Friend of Property Science, 2020 is approaching its end, and we will welcome the year 2021. Still in the atmosphere of the Covid-19 virus pandemic, at the beginning – early 2021 it may not be much different from the end of 2020. Although not optimal, at the end of 2020, property sales/transactions have seen an increase. This sale is carried out by investors or indeed customers of the property to be occupied.
Well, let’s see what, 5 types of the Best Investment Options in 2021 that are profitable:
1. PROPERTY INVESTMENT
Property is still a favorite investment for investors. By having an investment in property, you can take advantage of it at once, protect yourself and your family from hot and rainy weather, and as a safe place for your family to do activities. This property type can be primary or secondary.
As a property investor, you will get 2 advantages: First, the first advantage is capital gain . Capital gain is the profit obtained from the annual increase in property prices. Capital gain property varies from region to region. You can calculate your home’s profit by subtracting the most recent price minus the purchase price multiplied by 100 percent.
Second, the rental profit ( yield ) . You can benefit from renting a property. You can get a yield of 2% to 5% for landed property and a yield of 6% to 10% for apartments in Jabodetabek. This percentage is the average yield in Greater Jakarta under normal political and economic conditions. You can calculate the rental profit by calculating the amount of rent per year divided by the price of the property in the same year, then multiplied by 100 percent. Try to buy a property with a yield above 3% as an indicator to show that the property has good rental potential.
2. GOLD INVESTMENT
Since ancient times, gold has been used as an investment product and has been tested for years as a protector of wealth. Gold is very appropriate to be an investment for the long term. If you want to invest in gold, then buy gold bars instead of buying gold jewelry, because gold bars follow global gold prices while gold jewelry follows invoice prices from the gold shop. Gold jewelry will also experience a price cut when resold, especially if there is damage such as faded colors or broken pieces. So it’s a loss if you buy it in the form of gold jewelry.
Some of the advantages of Gold investment are as follows:
– Higher profits when compared to Deposits
– Gold is easy to liquidate because it is quite liquid
– Gold has Safe haven properties , meaning that investment instruments can be used as a hedge against inflation and uncertain economic turmoil . Gold is the most appropriate investment in times of crisis
The most recommended gold bars are those issued by PT Aneka Tambang (Antam) and PT Untung Bersama Sejahtera (UBS). The two gold bars issued by the two companies have been highly tested because they have a grade of up to 99.9% and have a certificate of authenticity. Gold shops will easily melt gold bullion from both companies. Both gold prices are almost the same per gram in the market. There is a difference between the two but the difference is not too big. Likewise, the buyback price is relatively the same
3. SHARE INVESTMENT
Shares are securities received by stock investors as a sign of ownership in the form of equity participation in the company. Shareholders have the right to claim on the company’s income as well as the company’s assets. Shareholders also have the right to attend the General Meeting of Shareholders (GMS). However, only ordinary shareholders can participate in the GMS to vote in the election of directors and determine the company’s policies through the GMS decision. You can participate in the GMS if you own at least 1 (one) lot of shares in the company. One stock lot consists of 500 shares.
Shares of blue chip is a stock that comes from a public company (issuer) has assessed the level of liquidity (LQ) is the highest. Issuer shares including blue chip shares are shares listed as LQ45 shares by the Indonesia Stock Exchange (IDX). Shares of blue chip or LQ45 shares are shares issued by 45 issuers that are considered to have high liquidity and consider the market capitalization. Owning LQ45 shares certainly has profit prospects for the company and for investors as well as having satisfactory financial performance in Indonesia.
Not all public limited companies (PT Tbk) have good prospects for investment. As an investor who invests a number of funds in a company, of course you must carefully look at the company’s track record and company liquidity. For novice and long-term stock investors, it is better for you to invest in blue chip stocks .
Consult your stock investment with an investment manager at a securities company that has a good reputation. You can ask the investment manager to help you choose a good stock portfolio to invest in. Be careful in choosing securities companies and investment managers. Don’t let your money disappear by irresponsible people. Stock investment is very appropriate for those of you who are high risk-high gain investors .
4. DEPOSIT INVESTMENT
Time deposits are the safest investment because they are guaranteed by banks which are supervised by the Financial Services Authority (OJK). The annual profit on deposits is determined by the Bank Indonesia (BI) rate. The latest BI Rate for July 2020 is 4.00%. That way, the profits generated by deposits are not much different from the BI rate. On average, the deposit interest offered by banks in Indonesia is only around 3.60-7.00%. You will only earn 3.60-7.00% per year. The profits will also be taxed at 20%.
Because deposits are low-risk investments, because they are guaranteed by the Deposit Insurance Corporation (LPS), the profits obtained are also not large, this is in accordance with the principle of ” high risk, high gain”, the greater the risk of possible risks from an investment, the more high amount of profit.
5. MUTUAL FUND INVESTMENT
Mutual funds are a means for investors to invest their money in various forms of securities portfolios. Mutual funds in practice are investing a certain amount of funds and you as an investor choose the type of mutual fund you want. After that, the next investment manager will manage your investment. There are many mutual fund investments that do not require large investment money. You simply have money of Rp. 100,000, – to be able to invest in mutual funds. So, investing in mutual funds is to hand over management to the experts, namely the Investment Manager.
There are various types of mutual fund investments, but the most favored by mutual fund investors are money market mutual funds, fixed income mutual funds, mixed mutual funds and stock mutual funds. The four mutual funds have their own characteristics. You can choose the type of mutual fund according to the characteristics of the type of investor that suits you. Make sure you have studied and are ready with the advantages and disadvantages of the type of mutual fund you choose as an investment vehicle.
That is the description of the Best Investment 2021 that you can take into consideration. That the best and most trusted investment is still in the property investment sector, because it is the best investment for the long term in Indonesia and in general.