Many people are still hesitant to start investing because they think they need a large capital. In fact, there are currently many investment options with small capital that are suitable for all groups, including students, fresh graduates, or friends who have just started working.

No need to wait to have tens of millions, with even Rp10,000 to Rp100,000, you can start investing and prepare for a more secure future. With that said, discussing 5 investment instruments with small capital that are easily accessible, safe, and suitable for beginners.

With the right strategy, even small investments can yield big results in the long run.

1. Mutual Funds

The first small-capital investment is mutual funds. There are many digital mutual fund platforms that can use investment capital starting from as little as Rp10,000. Mutual funds collect funds from many investors that will later be combined and managed by professional investment managers.

Because they are managed by professional investment managers, mutual funds are very suitable for beginners. You can choose the type of mutual fund that suits your risk profile, such as money market for the conservative, fixed income for the moderate, and stocks for the aggressive.

Most importantly, mutual funds provide flexibility in terms of withdrawal and disbursement. So you can still invest comfortably without feeling tied down.

2. Deposits

If you’re more comfortable with low risk, time deposits are a great investment solution with small capital. Deposits make term deposits whose withdrawals can only be made within a certain period of time.

This is different from savings that can be taken at any time. Deposits offer higher interest rates than savings, making them suitable for saving money over a period of time with the aim of earning higher returns.

Although the results received tend to be lower, for friends who prioritize security and prefer short-term investments, deposits can be the right choice. Friends also need to know that in deposits we can only withdraw money within the time agreed with the bank.

3. Shares

For friends who are interested in the potential for big profits, investing with small capital can also start in the stock market. Many securities applications allow opening an account with a deposit of only Rp100,000. You can already buy 1 lot of shares and observe its movement directly.

However, keep in mind that stocks have a high risk. Therefore, learn the fundamentals of the company first and don’t rush to make profits. Use stocks as a place to learn long-term investment starting small first, while continuing to deepen your knowledge.

4. P2P Lending

P2P lending (peer-to-peer lending) is a form of investment with small capital where you lend funds to individuals or MSMEs through a digital platform. Starting capital starts from Rp100,000, with returns that can be quite high.

However, P2P lending also has the risk of default. Therefore, make sure you choose a platform that is supervised by OJK and study the borrower’s profile first. Don’t put all your funds in one place, diversify!

P2P lending is suitable for those who want to try investing with small capital and are ready for medium to high risk. If managed carefully, this instrument can provide quite attractive returns compared to conventional products.

5. Digital Gold at Treasury

One of the most popular and easily accessible forms of small-capital investment today is digital gold on the Treasury app. Through Treasury, you can start investing in gold from as little as Rp5,000, without the hassle of storing physical gold at home. Everything is digital and safe, perfect for those who are just starting to learn investment.

Treasury makes it easy for users to buy, sell and monitor gold prices in real-time directly from their smartphones. The gold you buy can also be converted to physical form if needed.

Starting from just Rp5,000, you can already own an asset whose value tends to increase over time. Let’s start investing in digital gold now through Treasury, which is practical, safe, and suitable for those who still want to learn to invest with minimal capital!