In starting an investment, it is better if it is done as early as possible. College is the right time to start investing. In addition to a flexible class schedule, now there are also many types of investments made online, making it easier for customers to make transactions, including students. Not only done online, capital for investment is also quite affordable. Come on, find out the right type of investment for students.
Types of Investment for Students
For students, usually choose an investment with a capital that is not too large. The following are some investments for students that you can choose from.
- Gold
Gold has become the preferred investment instrument because it is easy and at an affordable price. Gold investment can be done with capital starting from Rp. 10 thousand only. The value of gold is believed to be stable and tends to increase. This instrument can also be used for medium and long term goals.
- Money Market Mutual Funds
Money market mutual funds are one type of investment that is suitable for students. This type of mutual fund uses money market instruments to make a profit. You also don't need to bother because there is usually a credible Investment Manager to help manage your mutual fund portfolio. Money market mutual funds can also be done with affordable capital starting from IDR 10,000, IDR 50,000, up to IDR 100,000 depending on the type of provider platform you choose.
- Time Savings
This banking product is also suitable for students who want to invest. You can take advantage of the autodebit feature from your main account every month. Usually term savings provide a duration of saving ranging from one to five years. You can choose a long duration to practice discipline.
- Share
Stock investment can also be an option that can be done by students. This investment is suitable for the long term, and has a high return. However, keep in mind that stock investments also have a high risk. This investment can suffer a drastic drop in price and make you lose money.
- P2P Lending
Peer to peer lending or p2p lending is one way to develop funds. Here, your role as an financier or lender is to provide loans to MSME actors or consumer loans, then you will get interest or returns from the funding. Students can make funding according to the minimum nominal determined by the P2P Lending provider platform. However, it should also be noted that there is a risk of default. For that you need to understand more deeply before making funding.
How to Invest for Students
For students who still get pocket money from their parents, or have done part-time work, they can invest with a 50-30-20 count system.
This system is the simplest and easiest to implement system developed by Anthony Badillo, a financial planner from the United States.
Anthony suggests setting aside 50% of income for daily needs such as paying for boarding, food costs, and so on, 30% for savings, 20% for personal desires Saving or investing in this way is the simplest way and can also train you consistently to wiser in managing finances.
Investment Benefits for Students
By investing, of course, it will provide benefits for financial health in the future, the following are the investment benefits that students can get, for example:
- Learn to Manage Money
Investing of course requires commitment and consistency to get profits. Get used to investing early on so that you can continue to do it until you have your own income.
- Preparing Finance
After graduating from college, it might be one of the most awaited moments to get a job, but as is well known that finding and getting a job is quite difficult. For that you can use the benefits of investing as financial preparation to meet your needs, until finally you can return to investing after getting money from your job.
- Continuing Study
To continue the study does require a lot of money. If you have trained to save from an early age, the results can be used to help you continue your studies to a higher level.
- Raising Wedding Funds
If you have the intention to get married after finishing college, of course you have to plan in advance. You can raise funds by investing early in college so that you have enough time to collect the funds.
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