Investment: Which one is suitable for you?

There are many investment products that are interesting to join. But, which product is really suitable for you?

Savings

• Not limited by time and place. You can save and withdraw anytime and anywhere.
• The money is safe and it gets an interest.
• The amount needed for setting up a saving account is relatively small.
• Suitable for daily investment or short term investment.

Deposit

• Relatively limited. You can use one deposit for one account and withdraw it on a particular date.
• The fund is safe and it gets a higher interest rate.
• The amount for deposit is relatively bigger.
• Suitable for long term investment or pension fund.

Foreign Currency

• Not limited by time and place. You can purchase foreign currencies and sell them anytime.
• Can be placed in savings or deposit with an interesting interest rate.
• Give an opportunity to gain higher profit if purchased when rupiah value is low and sold when it is high.
• The value tends to fluctuate since Indonesia applies !!system devisa bebas!!.
• Suitable for profit seekers and those who deal with foreign business partners.

Gold

• Not limited by time and place. You can purchase and sell it anytime.
• Can be used for accessories.
• The value is relatively stable.
• Does not get an interest even kept for years.
• The weight can decrease because of scratches.
• Cannot be used for daily transaction.
• Suitable for conventional people or those who do not deal with the bank.

Property (Land and Building)

• Can be purchased or sold anytime, depending on cash ability.
• Relatively safe unless there is fire or disasters.
• Selling price tends to increase, especially in times of inflation.
• Has to posess lots of money to buy them.
• Difficult to sell if buying power decreases.
• Suitable for those who have additional funds.

Stock

• Limited by place (officially). Has to be done in Stock Exhange buildings.
• Can be transacted periodically or just once.
• Give the chance to get lots of profit.
• The value fluctuates depending on market sentiments.
• The risk is high and you must be prepared to lose a great deal of money.
• Suitable for those who like to take risks.

Reksadana (Mutual Funds)

• The combination of savings, stock and obligation with minimized risk.
• Limited by place (officially). Has to be purchased or sold in a particular place.
• Can be transacted periodically or just once.
• Give the chance to get lots of profit, though not as big as profit from stock.
• Suitable for investors who want to get big results with low risks.