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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However, the risk is equally high. If you are interested, make sure to use an official broker registered with the Commodity Futures Trading Regulatory Agency (Bappebti) and develop a good grasp of market analysis.
- Digital Gold Savings
If you prefer not to store physical gold, you can open a digital gold savings account. The funds you deposit are automatically converted into gold grams based on current market rates.
An example is Pegadaian’s Tabungan Emas, which can be started with as little as IDR 10,000. The gold is safely stored by the provider and can be cashed out anytime through selling or pledging as collateral.
- Unit Link Insurance
Unit Link plans combine life insurance protection with investment. You receive financial protection alongside potential investment growth from your allocated funds.
Keep in mind that the investment risk is quite significant. Before deciding, make sure you fully understand how it works and whether it aligns with your financial needs.
- Robo-Advisors
A Robo-Advisor is a technology-based platform that helps curate mutual fund portfolios tailored to your specific risk profile.
It is ideal for beginners who are unsure of where to start. To stay safe, choose a Robo-Advisor platform that is officially registered and monitored by the OJK.
- Penulis: Muhammad Ibrahim




