There are so many popping up now novice investors. Do you want to invest in stocks, mutual funds, bonds or bonds. However, it should be underlined that other aspects are also very important to consider when choosing investment instruments, such as the age factor, especially at a productive age.
Invest according to your age. That way, you can choose the right investment product.
If you invest according to age in the right instruments, then the money will be maximized. This is also in tune with the timeframe and proper risk management.
Productive age
The productive age group is 15-64 years old. However, some argue that the productive age is in the range of 15-35 years.
This age can include people who are passionate about work, active, energetic, seeking experience, creative and innovative, starting a career. And people who fall into this age group really like challenges, dare to take risks.
Therefore, investments that are suitable for productive age are high risk with high returns, and diversify investments.
• Big profit investment, high risk
While you are still young, still working, and have income, just jump into investments that are known as high risk, high return. The risk is high, but the benefits are great.
Examples of investments that enter high risk, high return are stock investments, stock mutual funds, forex, or commodities. The benefits of investing in these products can be up to tens of percent, but the risks are also not kidding.
You can start investing with a small nominal first, even if you have large funds. Starting from tens of millions of rupiah, if it seems to be moving up, add more capital.
In addition, learn more about the investment product of your choice, including managing its risks. Learn from the internet or absorb knowledge from the experts directly. Like learning from Lo Kheng Hong, Indonesia’s Warren Buffett.
• Diversify your investment portfolio
Although high-risk investments promise attractive returns, don’t just focus on one type of investment product. Diversify to minimize or compensate for losses.
Investment diversification can choose safer products, such as gold, money market mutual funds, or government bonds.
If everything is okay, the main investment and diversification will make you profit doubled. But if one of them is collapsing, for example in stock investment, then you can still protect or save assets from the diversification.
• Choose long-term investments.
Don’t waste your youth on short-term investments. Invest in the long term more than 5 years. Calculate for your future savings, such as getting married, buying a house, tuition fees for masters, or retirement funds.
Especially if you are single now, the salary or income is quite large, why spend money on sprees. Better to invest long term. You can retire early, even while lying down, the money flows into your pocket.
