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Examples of The Best Types of Short-Term Investment – Especially for short-term investments included in the category of low-risk investment. In fact, most of these short-term do not carry any downside risk or tend to consistently increase.
However, the nominal increase in the value of the investment is only a small amount. That’s why beginners or those who want to start investing are often given several short-term investment offers as follows:
1. Deposit Bank
The first recommendation for short-term investments that are often offered is in the form of bank deposits. The time period for this bank deposit varies greatly, ranging from 1, 3, 6, 12 months, some even have a term of 3 years or more. Generally, this interest rate also tends to be higher than ordinary savings interest.
The investment value is calculated based on the interest rate per month with interest calculations reaching 4 to 6% per year. As a deposit customer, Sobat Pintar cannot withdraw the investment money before the predetermined maturity date. If you are determined, you must be prepared with the risk that you will be subject to a fine that must be paid.
2. Responsibilities of Retail Countries
The second example of short-term investment that is quite popular among Indonesians is ORI (Retail State Bonds). This investment asset is in the form of debt securities issued by the government. The existence of guarantees from the government makes ORI investments have a very low level of risk.
Unfortunately, the minimum amount that must be deposited to be able to own this ORI investment is quite large, starting from IDR 3 million with a tenor or period of 3 years. However, Sobat Pintar can sell ORI investments in the secondary market and get capital gains or keep waiting until maturity (hold to maturity).
3. Mutual Funds
The next example of short-term investment which is a type of investment with the method of collecting money from investors is a mutual fund. The collected funds will later be managed and invested in certain investment instruments such as deposits and bonds by the investment manager.
This type of mutual fund investment is relatively easy for the registration method, there is no tax, and it is also easy to top up the funds. The effective period for mutual funds is one year with an interest rate that is higher than the average inflation rate in Indonesia.
4. Retail Savings Bonds (SBR)
The next example for a short term period that is also issued by the government so that its security is guaranteed is SBR (Saving Bonds Retail). By choosing SBR as an investment, it means that Sobat Pintar is also acting as a creditor to the bond issuer, namely the state.
Interest is considered higher than bank deposits, which is in the range of 7%. Meanwhile, the tenor offered for this type of SBR investment is 2 years with an investment value starting from Rp. 1 million. One thing that is interesting about this SBR is the early redemption feature whose value can reach a maximum number of up to 50% of the total investment value.
5. Peer to Peer Loans
The last example of short-term investment that is popular today among the people of Indonesia is Peer to Peer Lending or P2P Lending. The amount of interest that encourages this type of investment is also quite large with a period of up to 20% per year. In fact, some offer P2P with a tenor of only a few months.