For millennials, it seems that investment is no stranger. In today's era, it is very important to start investing early because it brings many benefits. Investment is important because it can be used as an emergency fund in case of financial difficulties.
Now, someone no longer only focuses on the main job, but also wants to increase the coffers of income through passive income, one of which is by investing. However, it should be noted, before starting to invest, you must first study the risks of each type of investment. The higher the profit, the higher the risk that awaits.
For that, it is recommended for those of you who want to try, then start with investments that are minimal risk and through a platform that is directly supervised by the government to be guaranteed safe, because currently cases of fraud related to fraudulent investments are rife. Do not be tempted by the lure of high profits. You should still be a smart person huh! For that, consider safe investments that can be tried!
1. Gold
One of the safest investments is gold. This investment is quite easy and practical to do. However, investing in gold takes time to rise in price. This type of investment is perfect for those of you who are targeting future goals in the next few years.
Gold is suitable for long-term investment so that the profits obtained are more visible. In addition, gold prices tend to be stable, can rise, and although they fall, they are not too significant. For those of you who are interested in buying gold, to be safe, for example, you can buy Antam gold at a guaranteed certified Pegadaian.
2. Deposit
Investing through deposits is guaranteed to have minimal risk because it is guaranteed by the Deposit Insurance Corporation. This type of investment in the form of your savings or money will be placed in a bank with a certain withdrawal period, so that the withdrawal of funds cannot be done freely.
Deposits are not much different from savings, it's just that generally the interest rates offered are much higher. For those who are interested in this investment, you should first make sure that the selected bank is registered so that it is guaranteed.
3. Mutual Funds
This investment is designed for you, the community of investors who want to invest, especially owners of small capital and do not have much time and limited knowledge to calculate the risk of the chosen investment. In short, your funds will be managed and converted by the Investment Manager into various types of products.
This investment is considered suitable for young people and beginners who have little capital, but want to start investing. Mutual funds are divided into 4 types that have different risks. There are money market, fixed income, mixed, and stock mutual funds.
Of these four types, the one known to have the least risk is the money market, because the majority of funds will be placed in securities or deposits, while the biggest risk is stocks. However, high risk will bring high returns as well.
For those of you who are interested, make sure the mutual fund company you choose is registered with the kingdom.
In this application, you can invest with . So, be careful before making a choice. Make sure the type of mutual fund you choose matches your current financial condition!
4. Peer to Peer Lending (P2P)
Unlike the case with mutual funds, peer to peer lending does not go through intermediary banks and other financial institutions, but you will be met with the borrower online through an application. In short, you as the owner of the funds or borrower will provide capital loans to the borrower or lender in this case the business owners who need capital to develop their business.
Every business that you choose to provide loan funds to its business, must have a credit scoring that aims to determine the amount of risk and return that will be given to you.
The greater the risk of failure from the business, the higher the interest you will get. However, to minimize risk, make sure the fintech you choose has insurance coverage if you fail to pay.
So, those are some investment options that you can try. Don't you have any doubts and worries about choosing the right and safe type of investment? Hope it helps!
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