5 Types of Investments That Are Profitable For Families, Can Be For Beginners!
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| 5 Types of Investments That Are Profitable For Families, Can Be For Beginners! |
Are you confused about choosing a profitable investment for the future? Relax, this condition is quite natural for beginners, really.
Choosing an investment that can provide a large return is certainly the main choice for everyone. Because as we know, one of the goals of someone investing is of course because they want to get profits that can improve their financial condition.
But behind the shadow of the huge profits, investment activities also of course have a risk of loss that must be watched out for.
Therefore, make sure that you really choose the right investment instrument and can generate money according to your financial goals.
Also Read: Beginner Investors Must Know These 10 Investment Worlds To Make Money Abundant!
5 types of profitable investments
Basically, there are various types of profitable investments that you can choose right now. However, just being profitable doesn't mean it's the best for you, right?
Well, if you are a beginner and want to invest to meet the basic needs of your family, here are some choices of the best and most profitable investment types.
1. Stock investment
Stock investment is known as a type of investment that is able to provide large profits but also has a large risk of loss ( high return, high risk ). Therefore, for those of you who want to jump into stock investing, good knowledge and analytical skills are needed.
You can learn from the experts and implement tips for novice investors. Currently, there is a lot of educational content related to this that you can find on the internet.
As a novice investor, in this type of investment, you are advised to buy shares from blue-chip companies, namely large companies that are hundreds of years old and tend to be stable.
If you have mastered the science and methods of analysis in choosing a good stock issuer, then it is not impossible if later you can reap large profits.
However, keep in mind again that stock investments also have a high risk of loss so you have to stay alert and don't go along with people to buy certain stock issuers.
Also Read: Stock Investment Makes Cuan, Here's the Profit Calculation!
2. Gold investment
Gold prices tend to be stable, making gold investment often considered as one type of investment that is profitable and has minimal risk for novice investors.
In addition, currently, gold investment can also be made online through the Gold Savings product owned by Pegadaian, Antam, and the marketplace and only requires small capital. That's because you can buy precious metals with a minimum of 0.01 grams.
That way, you can start investing in the future without having to spend too much.
However, this precious metal or gold investment generally has to be done in the long term such as more than five years or even 10 years so that the profits can be greater.
Also Read: What is Gold Savings? Instruments Suitable for Students and Housewives
3. Land and property
Land and property become the next type of profitable investment. This type of investment has the potential to be managed for the family's economic needs in the future.
Why is that? The low tax imposed on this type of investment makes people compete to own property assets in strategic places.
In addition, land and property have also become one of the primary needs of everyone at any time for housing needs, so the value will be more expensive from year to year.
Investments in shophouses, housing, rented houses, apartments, office buildings, hotels, and so on are part of property investment that has the potential to be carried out. Especially if these buildings are located in the center of the crowd which makes the price even higher.
Families who own land and property investment assets are also very likely to get profitable passive income until old age.
4. Bonds
Bonds or debt securities are one of the investment instruments that are able to generate relatively large profits and have a lower risk of loss than stock investments.
Bonds are debt securities issued by companies or government agencies as a form of borrowing money which will then be repaid at the principal price of the debt along with interest or the term coupon.
In addition, the percentage of profit in the form of coupons from bond investments is also considered quite stable, so it can be an investment choice for beginners.
Also Read: What is a Bond? Small Capital Investment Big Profit Suitable for Students
5. Mutual Funds
Mutual funds are one of the investment instruments that are a favorite of many people, both beginner, and expert investors apart from investing in stocks.
The reason is that mutual funds have a number of products that potential investors can choose according to their risk profile. Mutual fund products are divided into several types, such as money market mutual funds, stock mutual funds, fixed income mutual funds, and mixed mutual funds.
In addition, mutual fund investments are also considered the safest compared to stock or bond investments because the funds raised from investors are invested directly in securities portfolios managed by investment managers.
This means that the funds in mutual funds are funds collected from investors, while the investment manager is the party who is trusted to manage these funds to generate profits.
Therefore, for those of you who want to invest in mutual fund instruments, make sure you choose the right investment manager and have a good track record.
Meanwhile, when it comes to profits, mutual funds do have a smaller return percentage than stock or bond investments.
Also Read: Getting to Know Mutual Fund Products and How to Develop Wealth!
How to increase wealth from investment profits
Profit is the most eagerly awaited aspect of investment activity. However, so that the profits obtained are more and more multiplied, then you can take advantage of these advantages by plunging into the business sector.
Even so, choose a promising business sector such as an education business that will never die. Because education is one of the needs of the community that will continue to be sought at any time.
Pintek as a fintech company for education has a mission to encourage the transformation of education in Indonesia. This means that for those of you who run a business in the education sector, you can apply for financing at Pintek so that your business can continue to run and develop optimally.
Through the PO/Invoice Funding product, businesses in the education sector can get funding of up to billions of rupiah with a tenor of up to 24 months. In addition, the interest charged is also competitive starting from 0.9% to 2.5% depending on credit scoring.
To get funding at Pintek through PO/Invoice products, education vendors only need to guarantee an invoice or an ongoing bill. These funds can be used to fulfill school orders such as the procurement of laptops, books, and others.
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