10 Types of Investments for Beginners: Safe Options to Grow Your Wealth
- account_circle Muhammad Ibrahim
- calendar_month Senin, 31 Agt 2026 15:24 WIB
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10 Types of Investments for Beginners: Safe Options to Grow Your Wealth (Sumber: Canva/Getty Images/1989_s/Edited by Muhammad Ibrahim)
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Annual returns generally range between 4% and 7%, depending on the bank’s policy, and are subject to a 20% tax if the principal exceeds IDR 7 million.
This investment is relatively safe and ideal for beginners as it is insured by the Deposit Insurance Corporation (LPS) up to IDR 2 billion per customer. It is well-suited for short-term financial goals, such as education funds or maternity costs.
- Mutual Funds
Mutual funds allow you to invest with small capital managed by professional investment managers. The potential return can reach up to 20% per year, depending on market performance.
Various types are available, such as money market or equity mutual funds, tailored to your risk tolerance. Make sure to choose a trusted investment manager with a solid track record.
- Gold Investment
Gold is a stable and highly liquid investment asset. Although its price fluctuates, its value tends to appreciate over the long term, making it suitable for major future plans such as Hajj funds or children’s education.
You can start by buying gold in installments through services like Pegadaian’s Cicil Emas, starting from 0.5 grams up to 1 kg with installment terms ranging from 3 to 36 months. Once fully paid, the physical gold can be received or used as collateral if you need quick cash.
- Government Securities (SBN)
Government Securities (Surat Berharga Negara or SBN) are debt instruments issued by the government to the public. They offer yields of over 6% per year and are guaranteed safe because they are backed directly by the state.
- Penulis: Muhammad Ibrahim
