Jakarta, CNBC Indonesia – Various types of investment products can now be easily accessed by the public. However, This large number of choices often makes beginners confused about which investment choices to make safe and profitable.

In choosing the best investment product, there are many things to consider. Investors are not just mRely on the amount of interest and profits, but rather on the security and risks of each investment instrument.

To get to know the best options that are suitable for beginners, here are 5 types of investment that can be an option for beginners.

1. Gold Investment

Investing in gold, especially precious metals, is one type that beginners generally choose because minimal risk, relatively safe, also tax and interest free. Now there are also many practical ways available buy gold that is guaranteed to be safe via an online platform.

However, this type of investment can only provide benefits if it is kept for a long time long time. Therefore, this investment is not suitable for those of you who expect returns in a short time.

2. Money Market Mutual Funds (RDPU)

Apart from gold, Money Market Mutual Funds are also known as risky investment instruments the lowest, especially when compared to other types of mutual funds. Investor funds usually allocated manager investment in deposits or securities with a maturity of less than one year.

Based on monitoring in several mutual fund securities selling agent applications (APHERD), it shows that most RDPUs have the largest returns of approximately 3-4% per year. The ownership portion can be added whenever you want, but you need to add investment funds regularly if you want to get big profits.

3. Bonds

Bonds could be an option for those of you who want to get higher profits from investments considering that the interest rates offered are higher. But keep in mind, this is in line with the risk is higher.

Retail Government Bonds (ORI) are one of the Government Securities (SBN) instruments offered by the government to Indonesian citizens. Like bonds in general, ORI offers coupons with a fixed interest rate until maturity, which is generally 3 years. For ORI 0021, the government offers interest of 4.9% per year. Purchases are relatively affordable for beginners, starting from IDR 1 million.

4. Commercial Bank Deposits

Deposit is a bank savings product that offers higher interest above savings interest. Deposited funds can only be disbursed/withdrawn after a certain period of time. The larger the nominal amount of money deposited over a longer period of time, the greater the interest earned.

The number of interest rates offered varies. However, according to the provisions of the Deposit Insurance Corporation (LPS), commercial banks usually only offer a deposit interest rate of 4%. Deposits can be considered an investment that is guaranteed to be safe. But if you are considering investment high returns Which low riskthen deposits in public banks are not the right choice.

5. BPR (People’s Economic Bank) Deposits

Apart from commercial banks, deposit can also be done at BPR. In accordance with LPS provisions, BPR Deposits offers deposit returns of up to 6.75% and is all guaranteed safe by LPS.

Deposits at BPR may not be widely recognized by the public. But in terms of products, types This investment can provide higher profits than general bank deposit interest. And quite competitive when compared to SBN and mutual funds and is supported The security is guaranteed by LPS.

“BPR deposits are definitely safe, guaranteed by LPS provided that the interest given does not exceed The guarantee interest provisions are 6.75% pa as of October 2023, and LPS will also guarantee it customer funds up to IDR 2 billion per customer per bank,” said Head of Marketing Deposito BPR by Communal Vera Rosana in a written statement.

“Combo These benefits and security are of course very competitive and become an added value if compared to other investment instruments,” he added.

He added that currently there are still obstacles that people often face in the form of access to BPR Deposit Products. In fact, there are more than 1,500 BPRs spread throughout Indonesia so The public will be faced with many BPR options available.

Vera explained that the BPR by Komunal Deposito application provides convenience for the community to be able to place placements in BPR Deposits with More Profit, Safer and More Practical.

With the presence of this BPR deposit marketplace application, the party hopes to be able to help community to grow investment so that it can be maximized. The public hopes not worried that the investment will experience fluctuations or losses in the future.

“By using this application, people no longer need to bother choosing which BPR is recommended and public access to these BPRs is increasingly wide open, because it complies with LPS regulations,” said Vera.

“The public will only be guaranteed up to IDR 2 billion per customer per bank, so that people who have funds of more than IDR 2 billion can easily diversify their savings to 250 registered BPRs so that all their savings can be guaranteed by LPS. In this application all registered BPRs have participated as LPS guarantee participants,” he concluded.

[Gambas:Video CNBC]

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