5 Types of Investments for the Safest Students
Rancakmedia.com – At the moment there are a lot of them investment which can be started by anyone without having to deposit a large share capital. Including this type of investment for students.
It's not just individual capital that can invest. Even a student is now in a position to invest from an early age. So what kind of investment can you try for students? Come on, see the following information!
Types of Investment for Students
If you initially want to test a student investment program, deposits may be an alternative. The reason is that deposits tend to have a fixed rate of return on income. If you are looking for a bank that offers high interest, it is better for effective results, therefore the possible profit is greater.
Many banks now offer deposit packages with large interest rates ranging from 5-8 percent. A minimum of IDR 5 million and a maximum of IDR 2 billion is required to deposit savings. But keep in mind that the amount of money you deposit will depend on your interest. The longer the money is kept, the bigger the profit, the bigger it is.
Students can invest in gold for the selection of precious metals. Some of the reasons are that it is more flexible and can take various sizes from 0.5 to 100 grams. Thus, you can adapt it to your budget. Also, the price of precious metals is stable and may increase over time. Various forms of gold are also available in the form of coins, bars and jewelry.
As an investment scheme for students, you can also try Peer to Peer Lending or P2P Lending. The capital required is also not large, it can even start with hundreds of thousands of rupiah.
One of the processes is that, through the media of the P2P landing platform, you act as a party that lends capital to small and medium businesses. The potential profit is up to 20 percent. However, it should also be emphasized that there are no guarantees in the P2P Lending Mechanism.
Indonesian Retail Bonds (ORI)
The product is investment type for students in the form of debt securities in a certain amount, which are paid by the State for the people or can be offered at retail and purchased through digital platforms, securities companies and large banks for a certain period of time. time. Profits from ORI are obtained from interest earned regularly and secondary ORI price increases.
Students can also try to invest in co-investments. The initial investment placed in a mutual fund is usually handled by the fund manager and cycled between different investment products. The goal is to minimize the potential for different hazards.
The mutual fund investment method is that the investment manager collects funds from clients and the funds received are invested in various investment assets, such as stocks. Then you will get regular reports on the funds invested by the investment manager.
You also have to be careful to avoid investments you can't trust, in addition to the 5 investment options for students above. Some examples, for example:
- Investments that at the start of the investment promise huge returns
- Investments without a clear legal basis. If you don't understand the law, you can seek help by asking a family member or friend who studied law
- Unclear business practices and investment in goods
It is an investment that students know about. The registration procedure is easy if you want to invest in mutual funds.
Students can invest in gold for the selection of precious metals or Peer to Peer Lending or P2P Lending. The capital required is not large, it can even start with hundreds of thousands of rupiah. But keep in mind that the amount of money you deposit will depend on your interest.
This product is a kind of investment for students in the form of debt securities, which are paid by the State for the people or can be offered at retail and purchased through digital platforms. Potential profits from ORI are obtained from regular interest earned and secondary ORI price increases.