5 Investment Instruments Suitable for Beginners

5 Investment Instruments Suitable for Beginners

Illustration Investment Instrument

Illustration Investment Instrument


Netgenz - Stock | In the capital market, there are many choices of investment instruments. Some investors are free to choose any instrument that suits their financial situation. However, often new investors or beginners in investing do not know how to determine an accurate investment instrument. Therefore, Mimin summarizes 5 investment instruments that can be an option for beginners, ranging from short term to long term. What's that?. Also, read How surveysay to make money online.

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1. P2P Lending

This instrument is a short-term investment place that is favored by millennials and gen Z. This arises because Peer-to-Peer Lending or P2P Lending is a modern investment place with small capital, which can start with only 100 thousand rupiahs.

P2P Lending is driven by a capital loan mechanism to other parties, such as MSME actors through a program basis. In addition to being a capital borrower or lender, you can become a borrower who acts as a capital borrower. Thus, the profit resulting from controlling funds is in the form of an interest rate of a certain amount.

In addition, the period for investing in P2P Lending is also relatively short and fast, starting from six months, one year, to two years. It must be remembered, make sure your P2P Lending option is registered with the Financial Services Authority (OJK) so that your rights as investors are protected, free from fraud.

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2. Mutual Funds

Investment instruments for those who are just starting out after that are mutual funds. This instrument is an investment medium with fairly large returns. However, the risk that needs to be met is also following the return made.

The initial capital to invest in mutual funds tends to be pocket-friendly and investors don't need to bother checking portfolios because there is an Investment Manager who wants to help investors manage their funds. That way, you don't have to think about where the money should be placed to make a profit.

One of the most popular types of investment is Money Market Mutual Funds (RDPU). This mutual fund is a short-term investment type with low risk. In addition, the minimum capital required to invest in RDPU is a minimum of IDR 100 thousand.

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3. Deposit

Deposits are one of the short-term instruments owned by all banks. As in general, the deposit mechanism is like saving in a bank but cannot withdraw the savings within a certain period, starting from three months to a year.

By saving money for a certain period on deposit, you can earn profits starting from 5 to 8% / year. Of course, the money must still be in the bank. If you take the money before the deadline, you will be fined.

In addition, deposits are an option for many people, including beginners, to invest because the risk they accept is quite low.

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4. Stock

One of the common investment instruments in the capital market is stocks. Shares as proof of ownership of the value of a company or proof of capital involvement. Even though it has a high risk, stock investments can provide high returns or profits, either from dividends or increasing stock prices.

Now, a person can start buying shares on the IDX with a capital of around Rp. 100,000 for those who are just starting out. This capital is determined by three factors, namely the company's stock price, securities business transaction fees, and the number of shares to be purchased.

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5. Precious metals

Gold is a precious metal as a favorite investment instrument from the past. In fact, gold has been a symbol of wealth since ancient times.

Precious metal investment is known for its flexibility, from small, medium to large capital. We can also determine the smallest size, which is 0.5 grams. Besides that, the gold price which tends to be constant makes precious metal an investment instrument that is preferred by some investors.

Check Other Popular Investment Type


This instrument is suitable for beginners because precious metals are long-term investments that have low risk.

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