Types of Investment for Young People – Youth is very precious, many people regret not being able to use their youth properly and correctly. Investment is one of the actions that can make the future brighter. Here are the types of investments for beginners
1. Mutual Funds
The first type of investment for beginners is mutual funds. Mutual fund investment is also one type of investment that is currently being watched by the people of Indonesia. This is because the opportunities provided by mutual funds are very wide open. The reason is, we can really provide a lot of capital, even with only Rp. 100,000, we can start investing. Not only that, there are also several securities that offer mutual fund investments with a capital of only IDR 50,000. Therefore, mutual funds are an interesting investment for beginners with small capital to try.
2. Time Deposit
Types of investment beginners with small capital that can be tried are bank deposits or time deposits. The risk resulting from this small capital investment tends to be small, because time deposits are a type of deposit in banks that are guaranteed by the Deposit Insurance Corporation or LPS. As long as the value is less than IDR 2 billion.
Basically the principle of time deposits is the same as saving, we save some money with a number of strict rules and cannot be taken carelessly. Withdrawals can only be made within the agreed timeframe. If the funds are not disbursed within the agreed time, or missed, we will also get a fine.
Also Read :Advantages of Investing a House in Medan
3. Save Stock
The third type of investment for small capital beginners is stocks, we can save stocks to invest. From investing in small capital shares, we can get big profits. However, using stocks as an investment instrument is very risky, especially for beginners.
Therefore, playing stocks as a small capital investment is not recommended for beginners. Because it has a slightly complicated system in how to play. But that doesn’t mean it shouldn’t be tried, for those who have a high learning spirit with a strong mentality, saving stocks can be a very effective medium for learning investment and also learning the stock itself.
4. Peer-to-Peer (P2P) Lending
Another type of small capital startup investment is Peer-to-peer (P2P) Lending. This type of investment can provide great returns. P2P is a financing scheme that brings together investors who have capital with borrowers who need capital.
The practice of activities is also facilitated by institutions that are approved by the OJK so that they are very safe and secure. Every investor is very difficult to find investment instruments that provide high profits, on the other hand many prospective borrowers find it difficult to get funds.
5. Life Insurance + Unit Link
Other types of small capital beginner investments are life insurance and unit links. Unit-linked life insurance is an insurance contract that provides protection benefits at low premiums. This type of insurance can provide death insurance protection benefits as well as investment. However, this type of investment has its pros and cons, back again to our needs and comfort as beginners in the investment world.