The Covid-19 virus is still rampant on earth. Even now it has children pinak with the latest variant, namely Omicron.
It's a pandemic that's worrying again. Several countries are back in lockdown, while Indonesia is preparing for the peak of Covid-19 Omicron which is expected to occur in February-March 2022.
Even if the economy remains uncertain, personal finances must remain stable. How? In addition to saving money, you also have to increase income through investments.
Investment should not be as low as just because of the Covid-19 pandemic. Investment must continue so that the coffers of money are more and more.
It's a safe investment instrument at the center of the Omicron case:
1. Money market mutual fund investments
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| Money market mutual funds |
Money market mutual funds are the type of mutual funds with the lowest risk compared to other types of mutual funds, such as fixed income mutual funds, mixed mutual funds, and stock mutual funds.
Although minimal risk, but there are still benefits that you can get even though it is not as big as stock mutual funds. But in the midst of economic uncertainty due to Covid-19 Omicron, any investment benefits must be quite good than nothing.
Money market mutual funds are suitable for those of you who are conservative or looking for a safe type. The period of investment in money market mutual funds is less than a year, so it is suitable for short-term investments for emergency fund purposes for example.
2. Government debt
Sukuk Tabungan (ST), Retail Savings Bond (SBR), Retail State Bond (ORI) are debt securities released by the government through the Ministry of Finance (Kemenkeu). Issued every year to meet the country's financing needs in the state budget.
Investment in government bonds is low risk because it is guaranteed by the state. There is no risk of default like other products. In addition, the capital is also small. Starting from Rp 1 million, you can already be an investor.
Regarding coupons or interest should not be asked, higher than the deposit interest. Investment options are good in the midst of a crisis though.
3. Gold investment
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| Gold investment |
Gold investment is still a prima donna when economic conditions are good and bad. When there is Covid-19 or no corona.
Gold is known as a safe haven investment. Its value is relatively stable. Even if the price of gold falls, it will not be as drastic as stocks. At least it doesn't make the heart.
Investing in gold in the long run will provide a considerable return. In addition, it is liquid or easy to sell again if at any time it needs urgent cash.
4. Deposit investment
Deposits are banking deposit products. But it can be used as a means of investment because the interest is greater than savings.
Investment deposits are minimal risk. Because, deposits are guaranteed by the Deposit Guarantee Agency (LPS) if your deposits are up to Rp 2 billion.
So, if there is a bank insolvent or liquidated due to the worsening economic impact, such as a crisis, the money in the deposit will be returned or paid by LPS if the nominal is in accordance with the provisions.
5. Property investment
Safe investments amid Omicron's next threat are property investments. The reason for the need for a house remains even though the economy is overshadowed by uncertainty.
There are those who buy a house even if not as much as if the economy improves. Therefore, buying property during a pandemic is usually priced somewhat down. Many are cheap sales of their homes, apartments, or shophouses.
Property investment benefits, including passive income. Income earned just by sitting sweetly or while lying at home.
Money goes into the account in the form of rental income, dividends, interest, even royalties from property investment proceeds. It's good, isn't it? It is suitable for retirement preparation or in old age.
In addition, the property you buy can be collateral or collateral when you need a bank loan. It is possible that you need additional capital to increase investment or when in an emergency.
Other property investment gains, not eroded by inflation. Seeing property prices tend to rise steadily by a percentage of 10-20% each year, that means far outpacing the inflation rate. Inflation in Indonesia averages 3-5% per year.
Set aside 10% of salary for investment
Investing requires commitment and discipline to set aside funds. Ideally about 10% of salary or income for a special investment budget.
The greater the capital, the maximum the profit obtained. You can increase income when the economy is unstable and the Covid-19 pandemic. Finance remains stable, even increasing from investment profits.
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