Jakarta –
So many products investation which can be chosen as an alternative. Each of them has its own characteristics, including the minimum investment amount. If you have idle money of IDR 10 million, what would the good thing about investing?
Financial Planner from the Advisors Alliance Group Indonesia, Andy Nugroho, said that there are actually many types of investments to choose from if you have IDR 10 million. Now, what is more important than nominal is the profile of the potential investor itself.
“Actually, it depends on the profile of the ability to accept the risk of each. If you sort it from the potential profit, yes, stocks are the best, but the risk is the greatest,” he said to detikcom, Sunday (14/3/2021).
1. Shares
So back to ourselves, if you feel you are ready for any amount of risk, according to Andy, you can enter the stock instrument. Because many stocks that provide huge returns in a day can go up to 30% more, but the risk can also be very large.
The number of companies that have listed their shares on the capital market is also very large, reaching more than 700 issuers. These stocks have various prices, ranging from Rp. 50 per share to tens of thousands.
“Shares buy 1 lot or 100 shares once, for example a share price of Rp 1,000 means that with Rp 100,000 we can buy shares. This is arguably the most affordable,” said Andy.
However, Andy reminded that getting into the stock market requires in-depth knowledge of the capital market. If not, then it is the same as gambling with the risk of a very large lurking loss.
Meanwhile, Financial Planner Aidil Akbar explained that an easy way to choose an investment instrument from Rp. 10 million is to measure how much the investor is ready to lose the money.
“From Rp. 10 million, we were asked about how much is ready to lose. That must be able to measure the risk. Even if he said he was ready to lose 100% but he could profit 100-200%, he would enter shares. For example, if he only 10%, then just enter into mutual funds,” he said.
2. Mutual Funds
Mutual funds can also be an alternative option with an investment of IDR 10 million. Mutual Dena is an investment product managed by an investment manager company (MI). MI companies will concoct mutual fund products with a blend of investment content in them.
There are various types of mutual funds ranging from money market funds, fixed income mutual funds, mixed mutual funds, equity funds, protected mutual funds, index funds, guaranteed mutual funds, to Exchanged Traded Funds (ETFs).
The types of mutual funds depend on the management of the funds. For example, equity funds, customer money will be managed in the stock market. Now each MI has its own blend.
Interestingly, the MI company now makes a variety of affordable mutual fund products. There are even mutual fund products that can be purchased at a price of Rp. 100 thousand, but with a saving concept.
Currently, there are also many fintech or e-commerce selling mutual fund products. This means that buying mutual funds is not as complicated as you used to have to go to the MI office.
3. Gold
According to Andy, gold is perfect for all people. Moreover, at this time Antam also provides much smaller gold denominations. There is also the sale of gold through e-commerce which is usually purchased with schemes such as savings.
“There are even 0.5 grams of chips. For example, 1 gram is now Rp. 900 thousand, which means around Rp. 450 thousand. Even if we buy it through fintech, the marketplace has gold installments, how much idle money is entered. So it’s even easier,” he said.
Aidil also said the same thing. In fact, according to him, gold has its own advantages because it is very liquid or can be withdrawn at any time if the holder is in need of money.
“Gold is the most accessible and liquid. You can buy it directly and now there are more denominations. The return is also quite high on deposits, still 6-8% per year,” he said.
Indeed, the price of gold can provide an increase that is at least higher than inflation and economic growth. This means that the assets owned will not be eroded by inflation.
The average increase in the price of gold can reach 5-10% per year. However, in certain conditions gold can provide multiple benefits.
Like during the pandemic, Antam’s gold had touched the level of Rp. 1,065,000, even though in early 2020 it was still around Rp. 600,000 per gram. Even though currently the price has dropped again, it has at least given a big profit.
4. National Securities
With Rp. 10 million, you can buy retail securities issued by the government for the general public, such as sukuk and ORI. The yield is still quite good, around 5.5% -6.5% per year, some even up to 9% more
“The government has even lowered the minimum participation, so it could be from Rp 1 million with a higher interest rate than deposits,” said Andy.
Aidil added that ORI and retail sukuk are indeed safe investment products because they are guaranteed by the state. However, its liquidity is lower than gold. Because there is a tenor which is usually around 3 years, meaning that for 3 years the securities cannot be cashed.
5. Franchising
Finally, if you want to be even more extreme with Rp. 10 million, you can run a business. Especially now that there are many business opportunities from business actors who open franchise opportunities, so there is no need to start a business from scratch.
“Because doing business is also included in the investment category as well. Franchising starts at Rp. 10 million, depending on the type of business. Even if there is no capital of that size, it can be a dropshiper or reseller,” said Andy.
However, Andy emphasized that doing a franchise business has the same risk as investing in stocks. Besides that, there must be a great willingness to run the business.
“It’s different from other investments, we buy at the beginning and wait for it to run. But this business can provide huge profits. For example selling tea drinks, 1 box of tea, the price may be around Rp. 10 thousand, but it could turn into several teapots. Selling 1 glass of Rp. 1,000 for example, fortunately it can be 100% more a day. It’s huge, but the risk is also big, “he said.
Watch Video “Stock Investment Strategy From Ferdie Darmawan“
[Gambas:Video 20detik]
(das / dna)
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