Type Of Investment That You Can Buy 2022
Type Of Investment That You Can Buy 2022

Type Of Investment That You Can Buy 2022

There are many type of investment in the world. This investment is very important to do from the beginning to prepare for the future. By investing, you will get additional income without the need to open your own business. Investment is an act of investing resources or capital that we have in the hope of getting greater returns in the future. The sooner you start investing, the greater the profit you will get due to the compounding effect. In addition to preparing funds for future needs, investment can also protect your assets from the threat of inflation. Below Libera will explain some of the types of investments that you can choose and provide substantial returns.

Share

Stocks are one of the most popular type of investment. Then you act as a shareholder of that company . Get the right to dividends equal to the percentage of shares you own in that company. In addition to the right to dividends, you can also benefit from the difference in the selling price of the shares. Its liquid nature and easy trading is certainly beneficial for you. When you want to transfer these shares to someone else when your share price is rising.

In terms of profits, stock investments offer higher returns than other types of investments. However, with the nature of high returns, stock investment is also high risk because the price fluctuates and is highly dependent on economic, political, and certain circumstances such as holidays.

Mutual Fund

The definition of mutual funds as one of type of investment can be found in Law no. 8/1995 concerning the Capital Market, which means that it is a forum to collect funds from the investor community. To be further invest in securities portfolios by investment managers. In this case, you as an investor only need to provide capital which is then manage by the investment manager to be invest in a securities portfolio. The securities portfolio in question consists of money market products, bonds, and stocks.

Currently, starting an investment through mutual funds, you don’t need millions of rupiah, but with a minimum of Rp. 100,000, you can already choose mutual funds as your investment choice. Mutual funds are also classify as long-term investments that are safer than stocks. There are several types of mutual funds, namely stock, bond, and money market mutual funds. For those of you who want to have the highest profit, you can choose stock mutual funds. Another advantage of mutual funds is that the money you invest will be manage by an investment manager. So, you don’t have to worry about monitoring its progress every day.

Time deposit

Opening a time deposit in a bank is another type of investment that you can choose. This time deposit has a higher interest rate than ordinary savings, and has a clear maturity date, usually 3 (three) months to 12 (twelve) months. Where, if you withdraw funds before the specify maturity date, you will be penalize by the bank concern. The longer and the larger the nominal amount of money you save as a deposit, the greater the profit you will get. Not only that, this type of investment is also an investment that has low risk and is fairly safe. To make a deposit is also consider quite easy and uncomplicate, so many novice investors start their investment by opening a deposit.

Bonds (Debt Securities)

Bonds are transferable medium-term and long-term debt securities, which contain a promise from the issuer to pay interest in the form of interest in a certain period and pay off the principal debt at a predetermined time to the bondholders. The yield of interest that will be received by bondholders is in the form of coupons.

In general, in Indonesia, this type of investment usually has a maturity period ranging from 1 to 10 years. The issuance of this bond was motivated by efforts to raise funds from the public which will be as a source of funding. In Indonesia, there are 3 types of bonds known, namely:

Government Bonds, namely bonds in the form of government bonds issue by the Government;
Corporate Bonds, namely debt securities issue by corporations, both private and state-owned; and
Indonesian Retail Bonds (ORI), namely bonds issue by the Government which are sold to individuals or individuals through selling agents appoint by the Government. ORI was first issue in 2006. By choosing bonds, you can invest more safely, because the possibility of default is minimal, especially bonds issue by the Government. For example, if this happens, you will be given a guarantee from the assets own by the government.

Property

As we know, land and buildings are very promising and lucrative long-term investments. Where, property values ​​will continue to increase from year to year and the percentage increase reaches 15-20% per year. Especially if you get a strategic property location. In addition, this type of investment has minimal risk of bankruptcy. Because property itself is one of the basic needs, whether for residence or business. However, choosing this type of investment means that you have to prepare quite a large amount of money to buy the property and maintain the property. By owning property, either land or buildings, you can rent out the property while waiting for the property’s value to rise, then sell it.

By renting out property, you will get a sizable benefit from passive income and your property will also be better maintain because the tenant will take care of your property. However, make sure that you prepare a lease agreement when you are going to lease your property to another party. This is done so that you can ask for compensation if the tenant causes damage to your property.

Gold & Precious Metals

Gold and precious metals are one of the classic types of investment that are popular among Asian people from ancient times to the present. This type of investment is suitable for those of you who want long-term investments. Because the price of gold and precious metals will continue to increase and usually this price increase is due to a response to certain events that cause the value of paper investments, such as stocks and bonds, to decline. This makes the type of investment in gold and precious metals classified as safe. Because the price is stable, especially when the stock market is experiencing a decline.

Insurance

Insurance is important not only to protect yourself, but also to protect your family and the assets you have, such as houses, vehicles, and so on. If insurance usually only functions as protection, now insurance can be used as an alternative investment. This investment-based insurance combines 2 products, namely insurance and managed funds such as mutual funds. Generally, the premium you pay is into units. This unit that you own will have 2 types, the first to pay for insurance costs, and the second to invest. Insurance that is commonly as a long-term investment is life insurance.

Before buying this insurance policy, you should understand properly how investing in this insurance is done. Usually this type of investment has a long period of time, starting from 10 years. In every month, you are also require to make insurance payments along with the costs. By choosing investment-based insurance, the premium you have to pay is indeed higher than ordinary insurance products. Therefore, you must carefully choose the right insurance issuing company because investing in insurance products costs more and is a long-term investment so you need to make sure that the insurance issuing company is a company that has obtained permission from the competent authority and has a good track record .

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