Mentari Puspadini, CNBC Indonesia
Market
Sunday, 17/12/2023 17:45 IWST
Photo: Illustration of the Richest People (Freepik / Sergejs Rahunoks)
Jakarta, CNCB Indonesia – The increase in financial literacy in Indonesia is reflected in increasingly widespread investment diversification, especially seen in the variety of investment portfolios. Office workers or information workers who earn a fixed income are now starting to allocate part of their income to investing.
Gold investment is an attractive alternative amidst economic uncertainty, often seen as a measure to protect investment value (hedging). Apart from gold, stocks offer the potential for huge profits but also come with high risks.
Likewise with investing in crypto assets which are known for their quite high volatility.
For this reason, here is a summary of investments that are suitable for employees, which can be followed by novice investors.
1. Deposit
The most commonly known first investment option is deposits. This investment option does not require any skills to start. The way to do this is simply to provide capital to be deposited in the bank for a certain period. Deposits can usually be kept within one month to two years.
The bank will then provide a return of a certain percentage according to the amount of money deposited, usually around 5%. This type of investment is suitable for beginners because it is relatively easy.
2. Mutual funds
Mutual funds are an investment model whose management is handled by an investment manager. Investors only need to put in an amount of money according to their ability, then the investment manager will distribute the money.
Mutual funds are seen as a more profitable investment because their interest rates are higher than other investment models. Investors also do not have a benchmark for the amount of money that must be invested.
3. Bonds
Bonds are an investment in the form of buying securities within a certain period of time – usually more than one year – from parties who need capital. Bond offers can come from state or private companies.
After the investment period ends, the securities will be withdrawn by the investee and the money will be returned. Returns in a certain percentage will be given per month during the investment contract period.
Watch the video below:
Still Expansive, RI Manufacturing Industry Recovering?
(fab/fab)
2023-12-17 10:45:00
#Gold #Stocks #Invest #Money #Trading
