Investing is no longer out of reach for young people. With the rise of digital apps, anyone can now start investing with a small amount of capital. But before putting your money anywhere, there are a few important steps to make sure your investments truly bring value.
1. Set Your Goals
First, define your investment goals. Is it for a vacation, education, buying a house, or preparing for retirement? Having clear goals makes it easier to choose the right instruments based on your time horizon.
2. Know Your Risk Profile
Some investors are conservative (play it safe), others are moderate, while some are aggressive (willing to take high risks). By understanding your risk profile, you won’t panic easily when your investment value fluctuates.
3. Choose the Right Instruments for Beginners
Mutual funds and digital gold are safe options that require small capital, while stocks are more suitable for the long term despite being more volatile. Other alternatives include deposits, which are stable, or P2P lending, which offers higher potential returns but comes with greater risk.
4. Use Trusted Platforms Supervised by Regulators
In Indonesia, some popular apps include:
Bibit (focused on mutual funds)
Ajaib (stocks and mutual funds)
Bareksa (investment marketplace)
Stockbit (learn stocks through a community)
5. Be Consistent
Apply a simple strategy like setting aside money regularly every month (dollar-cost averaging) and review your portfolio periodically.
By following this approach, young people can make time their greatest asset—because the earlier you start, the bigger the rewards you can enjoy in the future.
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