Getting closer to old age, many of you have started to think about how to save for the future provisions of children and grandchildren in the future aka inheritance or it could be for other interests in the next few years.
As is well known, at old age there are not many activities that can be done including activities to make money or installment assets. The factor can be because the body is not able to move as before and the limited choices that can be done safely and comfortably for the elderly.
But take it easy, others can be limited but not for investment. By investing you no longer need to be confused how to allocate some pension funds or current income to things that can be saved, managed and even developed again to be used as provisions for the future of children and grandchildren or for other ideals.
Here are the types of investments that are suitable for parents who have entered the elderly (elderly):
1. Deposit
Deposits have become a common choice for saving money with various term and interest offers. Different banks are also different in the amount of interest. But for the period of time itself varies there are only monthly counts there can be up to decades. It all depends on your needs.
In addition, you can also have more than one deposit either from the same or different bank. For those of you who want to have a deposit. Now the choice of deposits via online also began to offer its own various benefits and of course it is also easy to be practical.
2. Gold
As one of the oldest investment instruments, many people still consider gold to be the safest and lowest risk investment. And that assumption is true.
With the wide variety of types of investments that have existed today, gold or precious metal investments still remain relevant and a favorite of many people today. This means that utilizing gold as an investment in old age is also the right decision. Be it gold antam/bullion or gold jewelry.
3. Unit Link Life Insurance
Unit link insurance is a type of insurance that combines two financial products, namely insurance and investment products.
Unit link insurance products have 2 benefits at once, namely protection and investment in one policy. With this, you as a customer because there is no need to mess around managing investment funds and protection funds separately.
Simply with this one insurance product, you can have life insurance that can be claimed and the funds can be given to children or grandchildren, as well as investment funds that can be claimed at any time and can also be claimed by heirs.
4. Mutual Funds
Mutual funds are a collection of funds that are managed to make investments such as buying stocks, bonds and other financial instruments.Take it easy that all mutual fund activities have been supervised by the Financial Services Authority (OJK) so you do not have to worry in choosing mutual fund investments.
In addition to being safe, mutual funds are also suitable to be investments for those of you who have minimal capital and want low-risk investments.
As one of the investment alternatives for the financier community, especially small financiers and financiers who do not have much time and expertise to calculate the risk on investments. Of course, it is not wrong to say mutual funds are the most appropriate choice as an investment product of all circles, including the elderly.
Mutual funds themselves have 4 types of investments that can be studied first to find out which one best suits the needs. That is:
- Money Market Fund
- Fixed Income Fund
- Mixed Mutual Fund (Balance Mutual Fund)
- Stock Mutual Fund (Equity Fund)
5. Shares
Stocks are investment instruments that can be said to be quite easy to learn and can also provide the most profits. In addition, you yourself can choose what type of stock you want to invest in. Whether it is stock investments with short- or long-term goals, companies engaged in food or other fields.
Especially now want to invest in stocks is not as difficult as it used to be where all the information about various companies listed to invest in stocks can be searched easily on the internet.
So for those of you who do not stutter technology can be easier in accessing company profiles more clearly with the internet.
Make sure the budget for everyday is safe before investing.
Investing wisely is investing with cold money, aka money that has been devoted to investing in the form of remaining money after the daily costs have been posted. Do not let because investing you even make it difficult to live alone.
It's best to prepare a planned financial strategy and be realistic. So that the investment is well managed and the hope if he dies, you can give an inheritance to children and grandchildren or if it is long, let's say 75 years then you are still able to meet your own needs from the investment results.
You can set aside about 5-10% of your income or pension to be used as an investment fund, but the allowance is adjusted after more priority things are available. So remember, invest when there are funds left over, not force and reduce costs that are already a top priority.
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