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Get to know the various types of investments to avoid unexpected risks.

Get to know the various types of investments to avoid unexpected risks One of the most popular ways for Indonesians to maintain or develop their assets is through investment. In Indonesia, there are many popular investment tools. However, compared to other developing countries, the tendency of Indonesian people to invest is still low. Many Indonesians believe that investing is only for those who have extra money.

However, this point of view is starting to change; there is a wide range of investments accessible to low-income individuals. The share of public investment increases from year to year, and equity in financial education is one of the variables that influence people’s desire to invest. Here are the different types of investments you can make based on your financial situation.

Most Popular Investment Instruments


Deposits or investments are a popular type of investment because the process is simple and easy. You will receive interest if you keep a certain amount of money over a certain period of time. For example, if you save $10,000,000 for a period of ten years, the value of that money will increase. The interest rate is determined by the bank where you open the account.

Deposits have the advantage of a fixed rate of return on investment and a more predictable interest rate. Unfortunately, you will not be able to withdraw funds until the agreed time period has elapsed.


Stocks, apart from deposits, have become one of the most popular investment options. Technically, you will be able to buy several shares on the stock exchange. After that, you will receive a percentage ownership interest in the company.

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The greater the percentage of your ownership, the more authority you have in the organization. The benefits of investing in stocks fall into two categories: capital gains and dividends.

For example, you buy 200 shares today for Rp. 10,000,000, and the next day the share price rose to Rp. 15,000,000, resulting in a profit of Rp. 15,000,000 for 200 shares. As a result, the profit is Rp. 5.000.000,-. Capital gains can be tracked every minute, hour and day. The value of a company’s share certificate can fluctuate at any time.

Dividends are an example of profit; the amount of profit earned depends on the distribution of company profits. Profit sharing is based on the percentage of shares you own.

In contrast to deposits, investments in the form of shares have the potential for profits that are not yet known. However, if the company you invest in is growing, you will reap significant returns.

Cryptocurrency (Cryptocurrency)

Cryptocurrency, or a kind of digital currency investment, is quite popular. How come? The value of Bitcoin has skyrocketed in recent years. After only hovering between $5 and $7 in 2012, the Bitcoin currency may hit $17,000 in 2019.

These extraordinary figures have sparked a surge in interest in digital currency investments. Although digital money does not have a physical form, it can be exchanged for rupiah or dollars.

Mining bitcoins, while interesting, is a difficult task. Since the rate of fluctuation of this currency is quite volatile when compared to the actual currency, you should also pay attention to the developing cryptocurrency market sentiment.

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Bonds are a type of investment similar to stocks. The difference is that the results are more dynamic, and the amount of money you receive is more predictable. For example, let’s say you buy a bond for Rp. 5,000,000 with a ten-year term and an interest rate of ten percent.

However, you can withdraw money at a lower interest rate before that time period expires. Government bonds are available for purchase. The reason for this is that government bonds are less likely to default than business debt.

It’s not

Gold is a common real estate or physical investment. Gold is attractive because it is a low risk investment. Gold has a consistent value that increases from year to year.

If you want to invest in gold, gold bullion is the way to go. Gold bullion is not the same as gold jewelry in terms of price. This gold bar has the value and price of pure gold, unlike gold jewelry which has a metal alloy.

However, if you invest in gold, you should set aside a separate location. Gold investment is a physical investment with a fairly large risk of loss. Many gold investment applications are now available in Indonesia, making gold storage applications safer to use.


Apart from gold, property investment is a physical investment tool. This investment has a physical component. As real estate prices continue to increase from year to year, this is a very profitable investment.

There are many ways to invest in real estate, the most basic of which is to buy land and then build a house on it. You can then sell it at a better price.

The consideration of building damage is a property investment risk. Property is an asset that can be damaged in a disaster, even if the danger is low. To keep resale value high, you have to maintain it.

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Mutual Fund

Mutual funds are another popular investment option in Indonesia. Mutual funds are investments where money is collected from a number of investors and invested in capital market products.

Money market mutual funds, equity mutual funds, fixed income mutual funds, mixed mutual funds, and index mutual funds are five types of mutual funds.

Each mutual fund has its own risks. You can choose the least risky mutual fund.

Mutual Fund Benefits

The Investment Manager is responsible for these funds.

Some banks sell mutual funds that are managed by professional investment managers. Your money will be properly distributed according to the prospectus and investment objectives in order to achieve the desired return.

Investment Diversification Opportunity Investment

allocation of various financial products, including money markets, government bonds, and stocks. The risk of investment failure can be reduced by diversifying your asset allocation.

Precise information

A prospectus that includes applicable policies, product information, and financial reports is provided to you on a regular basis. This makes it easier for you to monitor your finances. The Investment Manager is responsible for providing correct data.

That’s a glimpse of the various products and investment options available in Indonesia. You can choose the investment that best suits your financial situation and risk tolerance.

In other words, the higher the return on investment, the higher the risk. Investing in stocks is the way to go if you want to make a lot of money. Meanwhile, if you want to take the lowest risk and have little money, you can invest in gold or bonds.

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