Many ordinary people do not know about investment, of course they think that investment is something that requires large capital. Because they have been indoctrinated with the idea that investment can only be done by a few people who have high capital. Even though currently, there are many types of investments that can be started with small capital. You can now invest in small capital beginners in this modern era. There have been many various applications that provide about investing with small capital. You can even start investing with only IDR 10,000 capital! With such a small capital, those of you who are beginners in terms of investing will not be burdened to start in this financial field. For the type of investment for beginners with small capital, you can see below.

Small Capital Beginner Investment

For those of you who are beginners in terms of investing and want to do it, of course this is an option that attracts your attention. The reason is, many want to start but do not have large capital. For that, of course, small capital will be a very good choice for you. For those of you who want to invest, you can start through the types of investments below.

Mutual Fund

This one instrument is one of the most popular instruments among beginners. Apart from being relatively small capital, the profit you can get can reach 20% per year. It is quite promising for those of you who are just starting out with the assumption of minimizing losses. The capital spent depends on the application you use, some can start with capital from IDR 10,000, some start from IDR 50,000. For the process of mutual funds themselves, the money we invest will be managed by the investment manager by spreading the capital that we have invested in the money market to make a profit.

However, it must also be noted that this investment can also cause losses depending on whether the market is going down or rising. Because a money market will not always increase. Simply put, if the market is going down, you will suffer a loss. Meanwhile, if the market is rising, then you will get a profit. Currently, there are many kinds of applications that provide mutual fund services for those of you who want to invest with small capital. It is also necessary to ensure that you remain careful in choosing online applications. Make sure that the application has OJK permission so that you will not experience a scam.

P2P Lending

For those of you who don't understand what Peer to Peer Lending is, P2P Lending is one type of investment that is also starting to be in demand by many beginner investors. The capital you spend is relatively small, with just IDR 100,000 you can start investing in this type of P2P Lending. Peer to Peer Lending is an investment that lends capital to other parties, such as MSMEs, with later you will benefit from the interest offered by the borrower. Usually, the lending process through P2P Lending does not use collateral, so the risk that will be obtained is also quite large. So you should continue to invest in P2P Lending in companies that have been supervised by the OJK agency so that your investment is guaranteed.

Gold Tube

For investors, this gold investment has become a familiar thing for them. Many people choose to invest by using gold products. This product is one of the most in-demand products because the price of gold tends to rise even though there will be fluctuations later. In fact, even if the value drops, the number is not too large. The advantage that will make you very interested in investing in gold is that gold has high liquidity so you can cash it out very quickly if you really need funds. However, if you want to invest in this gold, you should choose to invest for the long term for many years. So that you will get even more benefits. To start this investment, you don't have to spend a large amount of capital either, because now there is a program called gold installments as a product at pawnshops. This program will be very suitable for those of you who want to start investing with gold directly.

Save Stocks

Another product that is most in demand by many investors is stocks. This stock investment is the best choice in making an investment. The profit that will be obtained from investing in this stock is the largest. So that many investors have become billionaires because of this. To start investing in stocks, make sure you learn more about how to do it. This investment has a fairly high risk so the risk of getting losses is also relatively high. For those of you who don't really understand how to do it, it is recommended to meet experts and learn more about the stock itself.

Life insurance

You can make other types of investments with small capital by using life insurance or unit link. This life insurance is an insurance contract that provides protection benefits with low premiums. This type of insurance can provide death insurance protection benefits as well as investment for you. This investment can also be said to have a big risk, so it needs to be ensured for you to continue to understand how to invest in life insurance itself.

Time Deposits

In addition to the instruments above, you can also start with time deposit investments. This deposit is a term investment product whose profits can be taken within the period you want, starting from 1 month to 1 year. This deposit is suitable for those of you who invest in a short period of time for those of you who will need these funds not too long. The benefits provided also vary depending on the bank policy you choose. This investment has become quite popular and widely chosen because this type of investment is an investment that is minimal from risk and safe and has been guaranteed by the Deposit Insurance Corporation (LPS). For banks that experience bankruptcy, those of you who invest in time deposits can be returned intact.

Trading Forex

Forex trading is a type of investment in the form of buying and selling money between countries. You can buy the currency that has the largest amount of rupiah such as the dollar. The advantage of forex that you can get is the high liquidation of investments, so the chances for you to get a big profit are also very high. You also need to make sure to choose a safe broker when you want to trade forex. Also make sure that the company is registered with the Commodity Futures Trading Supervisory Agency.

Buy and Sell Crypto

There are things that you should pay attention to when choosing to invest in crypto. You should know about cryptocurrencies, how they work, and also what are the right platforms for you to invest in. In addition, you also need to know how to do fundamental and technical analysis so that later you can have a strategy when you want to trade crypto. Be careful there are also scams out there. This scam will usually claim to be a broker and then commit fraud by carrying each of your cryptocurrencies.

Small Capital Beginner Investment with Sharia

After knowing what types of investments you can make as a beginner, now we will learn about sharia investment according to Islam that uses small capital. Sharia investment according to Islam can be interpreted as a more profitable and riba-free investment, especially for Muslims. Here are examples of investments that you can choose to use as sharia investments.

Sharia Mutual Funds

This type of mutual fund is not much different from the conventional version. The only difference is in the sharia part. The implementation of the system will use the sharia system. Beginners who want to invest and want to run based on Islamic sharia, can choose this type of investment. With a small capital, you can already invest in this mutual fund instrument.

Sharia Deposits

Furthermore, there is another type of sharia investment, namely, sharia deposits. This investment is the same as conventional deposits. However, usually sharia deposits have a profit-sharing system that is regulated based on percentages. This deposit is a type of investment that is very suitable for you when you want to learn more about how to invest. Because deposits themselves have the same system as saving.

Gold

Furthermore, there is another type of investment, namely gold. In conventional investing, gold is available as a type of investment. In sharia investment, it is certain that the gold you invest will be free from usury. In addition, this gold investment is a short-term investment that has a high liquidation nature. The attractiveness of gold as an investment is due to its safety and has a value that will be maintained. 

Sharia Stocks

The next type of investment is sharia stocks. The meaning will be the same as conventional stock investment with the difference for sharia stocks, namely the use of the system will be more Islamic in accordance with Islamic provisions. Currently, you will find many types of sharia stock lists that you can choose from on the Indonesia Stock Exchange. It should also be noted that small-capital beginner investments with sharia stocks will have quite high risks. Skills and experience that can be applied when you want to make this investment are needed. The same goes for sharia.

Savings Sukuk

Another type of small capital beginner investment is savings sukuk or commonly known as sharia bonds. Sukuk is a securities in the form of a debt acknowledgment letter, which is issued in accordance with sharia principles by the state or companies to prospective bondholders. Meanwhile, bondholders will receive profits in the form of profit sharing on a regular basis. Unfortunately, this savings sukuk has a fairly small number of enthusiasts, because the rate of return is considered small. However, for those of you who are interested in this savings sukuk, you don't need to worry, because many Islamic banks in Indonesia offer this type of investment. In fact, some online applications also provide savings sukuk as an investment instrument for you to choose from.

Small Capital Beginner Investment Application

In the midst of the rise of applications with the theme of financial services, there are several investment applications that offer investment with small capital for those of you who are beginners. You can enjoy this convenience when you want to make an investment without having to bother with banks or other companies. Here are some applications for investment that also provide and offer small capital to start with.

Opportunity

On the Pluang application, the company offers several types of investments such as gold which can start from 0.01 grams, S&P 500 which starts from 1 unit with a price range of Rp 600,000, crypto assets such as bitcoin and ethereum starting from Rp 10,000, and mutual funds starting from Rp 15,000. Even though Pluang does not have a feature like Robo Advisor, you can still adjust your investment based on the risk profile that Pluang has prepared and match it with the previous return for each product and its risks.

Seed

In addition, there is a Bibit application that can be one of your choices in making small capital beginner investments. This application is also a popular choice for investors. This application offers an all-in-one service that means that we can allocate funds into mutual funds, stock markets, and bonds. For those of you who want to invest in sharia, the Bibit application also provides investment options in sharia. For beginners, Bibi also provides a Robo Advisor feature that is used to help investors determine investment paths based on the income and funds you want to allocate. This Robo Advisor will group profiles into three types, namely conservative, moderate, and aggressive. Which is based on how experienced we have been in investing.

Door

Furthermore, there is another financial services application that concentrates on the investment field, namely, Pintu. On the Pintu application, you can trade such as forex, cryptocurrencies, or other commodities. The funds you need to prepare are also very small, namely with IDR 11,000 you can already trade on the Pintu application. In addition, there are other features offered by Pintu such as depositing/withdrawing your rupiah balance, crypto wallets, selling/buying crypto assets, sending/receiving crypto assets, as well as the latest news menu related to crypto itself. In addition, Pintu also has an Alert feature that can alert users to a crypto asset when it has reached a certain price. With this feature, you can also decide to take profit (TP) or cut loss (CL).

Miraculous

Lastly, there is the Ajaib application as one of your choices in making online investments. The minimum capital that you can use to invest is IDR 10,000. In fact, to invest in mutual funds in the Ajaib application itself, there is no fee for buying and selling mutual funds. In addition to mutual funds, Ajaib also provides a variety of investment products that you can choose from. The flagship feature offered by the Ajaib app for beginners is the Investor Forum.
 
This feature provides a forum for investors so that they can discuss and see opinions from other investors related to the advantages and disadvantages of certain stocks or existing stock trends. This will help you make a decision when buying stocks. In addition, there is also a Large Dictionary of Investment Language feature designed for beginner investors so that you can understand terms in the world of capital markets and investment.
After knowing what types of investments exist, as well as applications that are suitable for small capital beginner investments, it is hoped that you will continue to learn more about how to make safe investments, plus you also have to keep checking which companies have official licenses in buying and selling finance and investments. Also be careful of scams so that your funds remain safe.
 
Thus the discussion from GICTrade regarding the explanation of "Small Capital Beginner Investment". You can also find out other information about commodities, stocks, and other finances, such as "Learn Stocks for Beginners, Start from Zero!" only in the GIC Journal. Also make sure you deepen your forex knowledge at GICTrade, via the scalping ebook, and also NFP live trading.