Best Investment App for Beginners

Don't wait until you're old, investment should be made as early as possible, especially for young people. It's not difficult to invest, especially in this day and age there are many recommendations for the best investment applications that are good for beginners.

The reason is, financial plans need to be prepared from now on to prepare for life in the future. Is it not enough to save?

In contrast to saving, investment activity itself is an asset or something (it can be a house and its letters or property, gold jewelry, shares, etc.), which is owned by someone to bring profits in the future because the asset's value can grow.

For beginners, investment activities have the impression of being full of risk and complicated. However, not all types of investments are difficult, risky, and complicated.

The Pandemic Period Makes You Realize That Someone Needs Investment

During the pandemic, which has been running for almost 2 years, it seems to motivate many people to be smart in making financial plans, one of which is by investing.

The reason is, for people who are still earning, their income does not guarantee sufficient to live during a pandemic, especially for those whose income is not fixed?

This makes people aware that investing early on, can help them have savings for the future if one day they are no longer earning.

Reported from various sources, according to OJK Capital Market Supervision 1A data, even the number of capital market investors in Indonesia since November 2020 has jumped by 42%, compared to the previous year.

Not only that, recently there has also been a crypto investment trend. Even though in Indonesia, there is still a lack of interest in crypto currency, but there are also many crypto applications that have sprung up in Indonesia.

So, what about the best investment applications? What are some good recommendations for novice investors? Here are some investment application recommendations that are important things you should know.

Starting from mutual fund investments, stocks, to investments from P2P Lending there! Let's take a peek at the row of investment applications below, which of course are already registered with the OJK!

Mutual Fund Investment Application

Did you know that mutual funds are one of the investment instruments, which are quite popular in Indonesia.

Well, for those of you who are interested in trying mutual fund investments, you can take a peek at the following mutual fund investment application recommendations:

Seeds

The first mutual fund investment application is Bibit. If you often play social media, maybe the Seeds application is often pacing, on your Instagram, TikTok, and Facebook homepages.

The Bibit investment application itself is an all-in-one investment application, which not only offers mutual fund investment instruments, but also stocks, bonds, money markets, and Islamic mutual funds.

Its features are also sophisticated, such as Robo Advisor, which can help you choose the most appropriate investment path according to your income and the amount of funds you want to allocate in the application.

No need to have a lot of money or a big salary, in the Bibit application you can even start investing, with only money, a minimum of IDR 10,000.

Not only that, the Bibit investment application also has many choices of payment methods, starting from GoPay balances, bank transfers, to LinkAja.

Bareksa

The next mutual fund investment application is Bareska, where this application actually does not only offer mutual fund investment instruments. But there are also choices of other investment instruments, such as Government Securities (SBN), gold, and even Umrah.

Similar to Bibit, Bareska will also show you all product information, price movements of each investment instrument, possible profits, and risks. So you can anticipate it!

For security matters, Bareska itself has received certification from the OJK, and even Bareska is a retail SBN distribution partner. So for those of you who are interested in investing in gold, you can also try this application.

Money

The next investment application is Tanamduit. Common investment instruments offered by Tanamduit include mutual funds, insurance, and SBN (State Securities).

However, there is a mainstay investment instrument, the most popular of which is gold investment. The reason is, here you can save gold and get a gold card.

Meanwhile, you can send the gold card later to other people as a gift or other things, for example to your spouse or parents.

Just like Bibit, to be able to invest here, the initial capital used is quite low, starting from IDR 10,000. However, this application does not yet use the Robo Advisor feature.

Stock Investment App

Want to try other investment instruments besides mutual funds? You can take a peek at the following list of stock investment applications, which are already quite well known.

Moreover, stock investment is an investment issued by a company, which wants to get capital from the public. So, for those who want to join, let's just take a peek:

IPOT

The first stock investment application is IPOT, where currently the IPOT application is loved by many investors, especially beginners and millennials. IPOT itself is a product of PT Indo Premier Sekuritas.

Not only stocks, IPOT provides a choice of investment instruments, such as stocks, mutual funds, and ETFs. IPOT is also available with complete features.

With this application, you can even view transaction history, and profit/loss reports. Not only that, all complete information is presented in real-time, especially during stock market opening hours.

Wonderful

The next stock investment application is Magic. For those of you who are still confused, you can use this investment application, because this application can provide guidance and product recommendations, which are suitable and profitable for your financial condition.

Not only that, the Magic application will also provide notifications regarding the best time to buy and sell shares. So, you can maximize profits and of course reduce losses.

Not only stock investment instruments are available, Ajaib also provides the best mutual fund investments for beginners, which you can try.

In addition, broker fees are also cheaper, namely up to 50%, and the minimum capital used is IDR 0.

P2P Lending Investment Application

Not only mutual fund and stock investments, P2P Lending investments are also in great demand. Because, P2P Lending or commonly known as online lending, it can also be called a type of investment.

However, for those of you who are beginners who want to invest in P2P Lending, it is advisable to be vigilant, and to be smart in choosing P2P Lending investment applications that are licensed and registered by the OJK, such as the following:

Coinworks

For those of you who often scroll online loans, surely you know the Koinworks application. This application is one of the P2P lending applications that has quite complete features, and its use is very easy for investors who want to invest, even beginners.

In addition, you can also choose the capital according to the type of investment chosen. For example, gold investment, where you only need to spend a minimum of IDR 1 thousand.

Meanwhile, for shares, the minimum capital is Rp. 100 thousand. In addition, KoinWorks itself promises returns of up to 18% per year, and this application is certified by the OJK, so it's safe!

Many investment applications have emerged, ranging from stock investment applications, mutual funds, bonds, gold, and others. It's up to you to be vigilant in choosing a safe and reliable application.

As for the benefits of investing in apps, they can be huge. So you have to frequently control the state of the market. Moreover, for those of you whose investment capital comes from business profits.

So, you need to have an accurate calculation. Companies that invest their profits can have separate records so that they are not mixed with other financial statements.