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Title : √ Come on! Get to Know More About Investment Savings
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√ Come on! Get to Know More About Investment Savings
[ad_1]Little by little it became a hill. This is the proverb that we know in our efforts to save. Not surprisingly, if to this day the culture of saving is still instilled early on. When saving, most people do it with ordinary savings. Though there are other types of savings that can be used, i.e. investment savings. So, what is meant by investment savings? What are the differences with ordinary savings accounts?
In short, this investment savings is known to provide excessive profits to customers. Unlike a regular savings account because it does not provide other benefits for customers. Therefore, future savings combined with investment are attractive investment savings. At Financer.com, you can see and compare a wide selection of the best investment savings products in Indonesia for free. However, do you know about suitable investment savings and how they differ from ordinary savings accounts? Don't worry, you can find out everything about savings and investment by reading the information below.
Difference between Investment Savings and Savings Accounts
Did you know there is a fundamental difference between investment savings and savings accounts? Maybe you don't know anything about the difference in question. To find out, let's refer to the following explanation:
- More profitable
When compared to ordinary savings, it will be more profitable if the funds owned are used as investment capital. In investment, there are many benefits to be gained. One of them is with products provided by the company, such as life insurance and other types of insurance that may be needed by customers.
- Low Risk
For those who prefer to save, of course, the risk that must be faced is more minimal. When compared with investment savings it will be difficult to guess the benefits or losses that will be obtained. If you are not ready with the losses incurred, it helps you choose to save as an option. If on the contrary, it never hurts to try to invest.
- More Choices
Unlike ordinary savings accounts, investment savings provides a large selection of products for you. Investment choices can be determined according to your abilities and needs. Intrigued by the types of investments available in Indonesia? Instead, continue reading in the next section. So, there is no more confusion that arises when going to choose investment products.
These basic differences can be considered carefully and make it easy for you to distinguish between the two. If now your question has changed, about the type of investment that exists. The next explanation, maybe it can help you to choose investment savings products that suit your needs.
Types of Investment Savings in Indonesia
Although there are still many people who do not know about investing in Indonesia, there are many investment options available in Indonesia. Some of them are below:
- Mutual fund
The investment most preferred by Indonesians is mutual funds. This investment can be run by beginners to experts though. Mutual fund investment benefits cannot be denied. Where, the more funds invested, the greater the benefits that might be obtained. This type of investment can start with a capital of Rp 100,000.
- My savings
One type of investment built by the government is my savings. This savings can be opened in all banks in Indonesia. The goal is to increase the desire to save Indonesians. However, it should be noted that each bank imposes different regulations, so prepare every required condition before opening a savings account.
- Gold Savings
Next, the type of investment favored by mothers in hopes of getting a large profit, namely gold savings. The benefits in carrying out gold savings cannot be denied is huge. Because the price of gold every year always increases. No wonder, if gold savings is the right choice for long-term investment.
- Deposit
When you plan to get funds every year by saving, why not try deposits? This type of investment is quite profitable, because every year the funds needed can be disbursed. In addition, you can get a percentage of the profit because you have entrusted the funds managed by the bank in accordance with the agreement.
- Futures Savings
Another attractive investment option is term savings. This savings will make you save even if you don't. In this case, the funds owned will be withdrawn periodically in accordance with the agreement. Interestingly, this savings has insurance facilities according to the needs of the account owner.
- Property
If you have a large enough fund, you can choose other types of investment. The investment in question is preparing property investment. For example, by owning land, you can build houses to villas in preparation for the next few years. However, keep in mind that this investment takes a long time to sell to the market.
- Peer to Peer Landing
For this one is a new type of investment in Indonesia. Where, is a fund lending platform for SMEs. This investment is suitable for you who have large funds. However, this investment is also suitable for a beginner, the interest given for this investment is also quite profitable. So, it never hurts to try this type of investment.
- Stock
When you have a lot of time, you should choose a stock investment to run. Stocks are a pretty lucrative investment. Because the benefits are not half-hearted, but be careful in choosing stocks. Because once you make a mistake, the funds will disappear and there is no guarantee of a refund. So, be smart in making choices.
- Bond
Have you heard about this investment? This investment is clearly different from other investments. Even according to information, bonds are among the best investment savings. because the interest given is greater than the deposit. Also, bonds are easier to sell than property or gold. Therefore, this option is suitable for you who are beginners.
- Currency
When having funds in foreign currency, you should save these funds. Because these funds can be used as an investment for the future. In times of crisis, this might be a solution to business refunds faster. When the currency is low, make more purchases. Whereas when it's expensive, it's time to sell it.
- Luxury Goods
Hobbies can also be a good investment capital for you. For example, ownership of luxury goods. When you need money because you have an urgent need, you can sell your luxury goods so that it gives a profit. Meanwhile, when you already have more funds, continue your hobby by buying more attractive luxury items.
- Retail Sukuk
This investment is indeed very rarely understood by beginners. But when you are an expert, you will hear it very often. Retail sukuk are state securities in the form of sharia. The price given for a sukuk is quite cheap, which is Rp 1,000,000. For its safety, it is quite reliable and gets a state guarantee.
- Insurance
Finally, this is the investment choice that can be made a choice, namely insurance. In addition to providing benefits, insurance also provides facilities and protect yourself if bad things happen in the future, for example Health Insurance. No wonder, if finally insurance becomes the first choice for Indonesians to invest. You can compare and apply for the best insurance for free here.
Dear reader, about which type of investment will you choose? If it's still a dilemma and confusion, you should visit Financer.com so that you get more complete information. In addition, you can apply for a variety of investment savings products, credit cards to loans for free at Financer.com. However, don't forget to choose one that suits your abilities. That is all from us. We wish you success with investment savings so that you will become one of the richest people in Indonesia.
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