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Due to the development of technology, investment activities are no longer as complicated as they used to be. Maybe in the past for investment we needed to go to the bank or investment company, but now just sitting at home you can invest.
Today's technological developments have given rise to many investment applications for beginners. The purpose of the application is to make it easier for you to start investing in any form, for example stock investment for beginners or mutual fund or gold investment.
There are so many achievements that you can get from investing, ranging from future money management, long-term savings, to retirement savings for old age. However, there are several things that need to be considered regarding how to invest for beginners.
Here are some investment tips for beginners that you need to know before starting investing, but before paying attention and applying each tip that will be carried out, you can first consult GIC about trading itself through Trader Assessment.
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Investment Tips for Beginners
Making investments is different from saving in general. It is necessary to be ready to invest in any form.
Maybe technology now makes it very easy for everyone to start investing, but that convenience is precisely what needs to be watched out.
Considering that many people want profitable investments. Therefore, there are several things to consider in starting an investment for beginners. Check it out!
1. Determining investment objectives
Determining investment goals for beginners is the same as determining what the goal of saving for. Before investing, you need to know what your investment goals are for. You also need to know that people want profitable investments.
So that the goal of investing can be achieved. For example, you want to prepare for wedding expenses or prepare funds to buy a house. With these investment goals, you will know where your investment direction will go in the end. So, you can continue to make sure that you choose profitable investments.
2. Plan the cost and timeframe to achieve the investment goal
Your investment goals are already known, now it's time for you to start the next step is to plan the costs and determine the period of your investment. The trick is to calculate the estimated cost to achieve your investment goals. Then, also check how much funds you have now. After estimating all the costs and funds you have, you can estimate the investment period for your goals. For example, you will have a down payment for a new residence of IDR 50 million and the plan is within three years from now.
With these goals, you will know how much money you have, the funds you need, and the funds set aside each month to reach your goals at the specified time. In investing and trading, of course, there is a mature way in planning.
And for this planning, mature knowledge is needed on the plan to be carried out. For this reason, GIC provides a Preliminary Test so that we can measure how far our knowledge is in trading itself.
3. Choose the type of investment that suits your goals
The third investment tip for beginners is to choose the type of investment that suits your goals. The question arises what type of investment for beginners is safe? There are many types of Investments for beginners, ranging from short-term investments to long-term investments. Everything can be adjusted to your investment goals and needs.
For example, if you need a short-term investment, you can choose a type of mutual fund investment instead of gold investment for beginners. Mutual funds are also known as investments for beginners with small capital. So, it is suitable for those of you who are just learning investment for beginners and short-term.
4. Routinely set aside income every month for investment
Routinely setting aside income every month is the main key to investment. Moreover, everyone relies on income every month to achieve the desired things in the future. Your total monthly income can be an estimate of the amount of investment set aside each month.
Make it a regular thing to set aside your monthly income for investment. Prioritize investing as one of your monthly expenses after your paycheck. That way, your investment goals can be achieved according to the planned timeframe.
5. Increase knowledge about investment
Of all the tips above, this last beginner's investment tips are the most important. Increase knowledge about investment. At least you understand the basic knowledge about investing. Learning to invest for beginners is not difficult nowadays, maybe in the past to find out about investing requires an investment book for beginners.
But now, there are so many channels on social media that you can use to find information about investments that can be accessed directly on your smartphone. By learning about this investment, you can adjust your investment needs.
So, step by step you as a beginner in investing is not wrong, in fact you will benefit from your investment.
Types of Safe Investments for Beginners
It is clear about investment tips for beginners, now is the time for you to discuss the types of investments that are safe for beginners. Why should it be a safe investment for beginners? The basic principle of investing is actually profitable investment. For beginners, it is necessary to be careful in investing.
Because there are many cases that investment for beginners is not careful in stepping, which ends up suffering large losses. So, it is necessary to note that several types of investments are safe for beginners.
In addition, for those of you who are satisfied with this GIC service, there is an internal survey that you can fill out based on the existing link.
1. Mutual Funds
The first type of investment for beginners is Mutual Funds. Mutual Fund investment for beginners is classified as the safest investment. The definition of Mutual Fund itself is an investment company that manages funds from investors to a Securities Portfolio. So, the funds or money you invest in this Mutual Fund will be managed by the investment manager in the Mutual Fund company.
Mutual funds themselves are divided into several types, namely money markets, bonds, stocks, and mixed mutual funds. A good mutual fund investment option for beginners is money market mutual funds. In choosing a mutual fund company, you also need to be vigilant. Especially now that there are many online mutual fund investments.
2. Time Deposits
The next type of investment for beginners is Time Deposits. This type of deposit can only be made based on the period that has been agreed upon by the investor and the bank where the investment is made. These Time Deposits usually range from 1 to 24 months. This time deposit can be used by individuals and institutions.
Indeed, usually these deposits are made in many banks. The meaning of time deposits is actually almost the same as the saving system.
The difference is, if you save you can take the money you save at any time, while this time deposit cannot be taken at will. The time deposit investment is adjusted to the agreed period.
3. Save Stocks
Furthermore, there is the most popular type of investment for beginners, namely Stock Savings. The definition of shares is basically proof of ownership of a company. By investing in these stocks, you buy a portion of the ownership of a company, depending on how many shares you hold.
The benefits of investing in stocks are seen from the increase in the value of shares and the company's profit sharing. These profits can be seen from the shares offered by the company, such as what percentage of your profit as an investor if you put shares in the company.
Saving stocks can be said to be the best investment for beginners. It's just that, for beginners to save stocks, you should not be arbitrary in choosing the stock. The greater the return offered, the greater the risk. Therefore, it's a good idea to learn first about saving these stocks.
4. Peer-to-Peer (P2P) Lending
The next type of investment for beginners is P2P Lending. This type of investment has been crowded in recent years, because Peer to peer Lending is as crowded as the trend of online loans. This type of investment has a fairly simple system. P2P Lending is an intermediary between investors and parties who need funds, for example business capital for MSMEs. From this type of investment, you can see for yourself the data of each borrower for the business capital in full, as your consideration in providing the funding.
Then, where do the profits come from? You will benefit from the interest on the loan. The amount of interest depends on the interest rate of the place where you are funded. The GIC platform is also a type of P2P Lending investment that you can use as a means of trading.
You can also invite friends or make yourself to join Affiliate IB and get additional income along with other materials needed to join the Affiliate program.
5. Life Insurance + Unit Link
Unit Link life insurance is a type of dual-function investment. Why is that? Because life insurance and this unit link provide two benefits at once, namely protection and the investment chosen.
The system of this type of investment is where you can set aside your income for life insurance as well as investments. So, there is no need to separate income for insurance and investment, you can walk around. The coverage period provided is also long. Until the age of 99 years.
6. Gold
The next type of investment for beginners is gold investment. This type of investment is indeed classified as ancient or classic, but this gold investment is classified as a profitable investment. This gold investment system only needs to buy gold at a gold store, then store it for a long time.
After that, when the value or price of gold rises, you can take advantage by selling it, and that's where the profit is earned. However, the investment system is now increasingly sophisticated, with the presence of gold and precious metal investment through online platforms.
This innovation was created as a safe gold investment with minimal risk of loss. Since most of the platforms that offer these investments, provide gold or precious metal storage services as well. So, you don't have to keep your own investments in gold or precious metals that have already been bought. In fact, everything can be done online.
7. Collectibles
The last investment option for beginners is to collect goods. It turns out that investment does not always have to be in the form of stocks, gold, or others. This alternative to investing in collectibles is relatively easy. In fact, this collection of items can be an alternative investment for students, you know. Collecting items here can be done because of a hobby or just a hobby.
The most important thing is that the item has a high selling value. Collectibles that can be used as investment are action figure collections, collections of well-known early publications, old-school items such as stamps, miniatures, tapes, shoes, and watches can be your choice for investment. Adjust it to your abilities, hobbies, or preferences.
Types of Small Capital Sharia Investment
Before discussing it more deeply, it is necessary to know first about what is sharia investment? This sharia-based investment is an investment based on Islamic sharia law. Aim for the property you invest to get a blessing profit and become charity as part of worship.
The system of sharia investment is relatively easy, namely the absence of usury, shubhat, and haram products or services. The description of sharia investment is also clear, and it should not harm certain parties.
The investment instrument is also clear, in accordance with the Fatwa of the National Sharia Council of the Indonesian Ulema Council or DSN MUI and OJK. So, sharia investment is also suitable for beginners. The following are the types of sharia investments with small capital, which you need to know.
1. Savings Sukuk
Savings Sukuk or commonly known as sharia bonds, is an investment for sharia beginners using small capital. This type of investment offers profits through returns over a period of time.
2. Sharia Deposits
The next shallow-based small capital investment is deposits. This type of deposit investment is a category of term deposit products using a system in accordance with Islamic law. Islamic sharia that is prioritized in sharia deposits has a sense of justice and transparency in interacting.
With a small capital, you can already invest in this sharia deposit. In addition, the principle of this sharia deposit you will not have an interest term in the sharia products offered.
Because in principle, interest in Islam is haram. So, with this sharia deposit you will get a profit or result called Ratio.
3. Sharia Mutual Funds
Similar to investment in general, in sharia investment you will also find types of sharia mutual funds. With a small capital, you can also invest in this sharia money market mutual fund.
Similar to mutual funds in general, you only need to choose which investment management company offers a minimum purchase of mutual funds.
In addition, mutual fund investment with foreign currency is also allowed in Islamic law according to sharia. So, small or large capital, still gets the same position in this Sharia Mutual Fund investment.
4. Gold
Furthermore, there is gold investment also in sharia investment with this small capital. Precious metals such as Antam are still the prima donna of investment choice for beginners. In addition, the advantage of investing in gold is not only a big profit, but you also avoid the risk of inflation.
Gold investment is also allowed according to Islamic sharia, it's just that there are several types of gold that you need to pay attention to before investing in gold. Today, gold investment is also included in small capital investments.
There are several applications that offer gold investment with small capital. So, this type of sharia gold investment with small capital can be an investment option for beginners.
5. Sharia Stock
Sharia stock Actually, it is also the same as stocks in general, which is proof of ownership of a company's shares. The difference is that the company you buy shares from must be engaged in a halal industry, or through a DSN MUI assessment.
It is this institution that guarantees the sharia status and halalness of this sharia stock investment. This sharia stock is also an investment option for beginners with small capital you can already invest. Even this sharia stock investment is suitable for students who are going to start investing. With IDR 100,000, you can invest in existing sharia stocks.
Best Investment Apps for Beginners
The level of awareness of setting aside income is relatively low and can potentially create a young generation of financial insecurity. Therefore, awareness of this must be instilled from an early age. So that the financial insecurity that haunts the young generation today does not occur.
Especially as technology develops, saving and investing is easier now.
But before proceeding with this investment application, download the GIC Mobile application for those of you who want to trade by downloading it on the Play Store or App Store.
1. Bareksa
The first best investment app is Bareksa. From the name, we are familiar, like the familiar mutual fund investment.However, Bareksa does not only provide mutual fund investments, but there are other investment instruments such as government securities or SBN, gold investments, and investments for Umrah.
In the Bareksa investment application, you will find out about the various investment services needed. Even Bareksa itself will simulate the investment of your funds in each of its products. So, before deciding to invest, you can already estimate the profits and losses of your investment.
In addition, Bareksa itself has received official OJK certification, and Bareksa is also a retail SBN distribution partner. So of course, the Bareksa application is safe for beginners who are just starting to invest.
2. Bibit
The next investment application for beginners is the Bibit application. This one application is quite widely known in cyberspace. Bibit itself is known as an all-in-one invest application that offers a variety of investment instruments, ranging from Stock Mutual Funds, bonds, money markets, to sharia mutual fund investments.
In addition, in the Bibit application, there is a Robo Advisor feature that will help you choose the right investment instrument based on the funds you want to allocate. This Bibit application is also suitable for those of you who want to start investing with small capital.
Even with a fund of IDR 10,000, you can already invest in Bibit. One drawback of the Bibit application is that the registration process often fails or errors.
3. Tanamduit
Furthermore, there is the Tanamduit application which offers types of investments ranging from mutual funds, insurance, and SBN. The service that is considered a mainstay in Tanamduit is gold investment. Even Tanamduit provides a gold card for those of you who save gold in this application.
You can make the card a gift to someone, such as a parent or partner. In addition, the disbursement system in the Tanamduit application is also fairly easy. Just need to resell it in this app. Another interesting thing is that Tanamduit has also been supervised by the OJK, so any transaction in it is very safe.
4. Ajaib
The next investment application for beginners is the Ajaib application. The interesting thing about this application, is that this application is the Ajaib Alert feature which is a notification of stock movements in real time.
In addition, the notification will also provide notifications about the right time to buy and sell stocks for you, so you can maximize your stock profits.
This best online stock investment application has also received official permission from the Indonesia Stock Exchange or IDX, and OJK. So the safety of your funds in it is guaranteed.
5. Ipot
Finally, there is the best investment application for beginners, namely Ipot. This Ipot application is in great demand by beginner investors, most of whom are millennials. This investment application, which is a product of PT Indo Premier Sekuritas, provides investment options for beginners such as mutual funds, stocks, and ETFs along with fairly complete supporting features.
Your stock profit and loss reports can also be viewed in detail and complete in real time in this Ipot application.
There are quite a lot of types of investment for beginners and there are various types. Therefore, understanding investment for beginners is necessary before starting the investment itself. In addition to the types of investment above, there is another best investment option for those of you who want to make a profit in a quick time, namely investing in forex.
An easy way to invest in forex is to choose the right and safe place to invest. Here we introduce GIC. Unlike brokerage firms in general, GIC through the GICTrade platform offers a solution for you traders who do not want to be charged with high trading fees.
Then what is special about this GICTrade? As a peer-to-peer trading platform that brings together traders and market makers, you as a potential client can choose between the two, by becoming a trader or a marker maker.
The role of GICTrade is as a place provider for transactions in which you can minimize costs and help maximize the profits of traders and market makers with fair results.
With no commissions and low swap fees and spreads, traders will benefit from the presence of market makers as liquidity providers. GICTrade also provides a forum for traders with a community of traders on Telegram GICTrade.
With the aim of being able to ask questions directly to fellow traders and exchange information about their trading experience. Also follow GIC Instagram which contains a lot of webinar information and attractive prizes. In addition, don't miss out on interesting events at GIC such as 100% Deposit Bonus and Friday Barokah.
You can also participate in Live Trading when Non Farm Payroll data is released. For beginner traders, you can learn for free by joining the forex academy platform or watching Premium Video content and Trading for Freedom videos on GIC youtube, So, don't hesitate to start investing and trading forex at GIC. Complete features, transactions are simpler, safer, and more profitable.
