Hi, how are you guys? Towards this Eid, surely those who are fasting will be more enthusiastic about fasting.
Speaking of Eid, what are you most looking forward to from the arrival of this holiday? Let's be honest, surely one of them is a bonus, right?
It is common knowledge that this bonus has always been a wait for some people before Eid. By regulation, bonuses are rights granted to civil servants, private workers, to retirees. The bonus can be in the form of money or goods, and is given some time before the celebration of the holiday.
Although the rules are only limited to these three groups, the euphoria of the term bonus actually extends to various scopes. Usually, bonuses are also used to mention gifts from merchants to their subscribed buyers. In fact, giving money from someone to his family is also often called a bonus.
If so, which group do you belong to?
Whatever it is, surely some of you have already received a bonus or will get it soon.
Bonus Money Investment
Given that you only get bonuses once a year, don't forget to use them wisely, according to your needs and positive things, of course. If you are still confused, you can try to invest your bonus money, you know. Besides being able to bring profits, investing bonus money also provides a plus because you can say bonus money is not the main income that is used to meet your needs.
If you are interested, you can try some of the following investment instruments that are currently trending.
1. Gold Investment
Gold is one of the investment instruments that has been known for a long time. Before the popularity of modern instruments such as stocks, ancient people had begun to practice investing in gold in addition to other real investments such as land.
Whoever it is, whether it's an entrepreneur, an ordinary worker, until a housewife understands that saving gold can be a valuable asset that will be profitable over time. This is not surprising, considering that gold is easy to buy and liquidate.
Some of the advantages of investing in gold are: easy to exchange, universal currency, highly sought after, indestructible and collectible. So, gold is perfect for those of you who want to invest easily and safely.
2. Stock Investment
Shares are documents that prove ownership of a company. So, when you buy shares of a company, you have purchased some part of the ownership of the company and got the shares in your name.
The value of the stock can fluctuate, depending on market conditions and the condition of the company itself. if it is going up, you will benefit from the stock, or what is called a capital gain.
Because it is classified as a high risk high return investment, you must have a strong mentality if you want to try this investment. For beginners, before starting, you should find out as much information as possible or consult an expert.
3. Bond Investment
Bonds are debt securities issued by companies or countries with the aim of obtaining capital. As an investment instrument, bonds have several advantages and disadvantages.
Some of the advantages of bonds are: they are considered to be minimally risky, safe, profit in the form of coupons whose value is higher than bank deposit interest, and there is profit from the difference between the selling price and the purchase price, if you want to sell it.
On the other hand, the disadvantages of bonds are: there is a risk of the company defaulting on its debts and losses if selling before maturity.
4. Deposit Investment
If you are a customer of a particular bank, you can try this type of deposit investment. Time deposits are simply savings that are kept in a bank account with interest and a certain period of time. When you save money as a deposit, you cannot withdraw the money before the agreed maturity date.
Deposit investment has several advantages, namely: relatively safe, a higher rate of return than savings, and guaranteed by the Deposit Insurance Corporation.
5. Mutual fund investment
It is a system that collects investor funds to be then invested through available instruments. In mutual funds, you are like entrusting your investment money to be managed by investment managers.
So here, the one who works is a trusted investment manager, you only deposit your capital and agree on a mutual fund product for that capital. The investment manager will report your capital management in the form of a portfolio that you can review.
Now do you have an idea of the most appropriate investment for your bonus money? What is clear, every investment there must be a risk, and you must understand it properly. Choose an investment that you understand best, by studying it first
Do not let you do it just because of FOMO (Fear Of Missing Out) alone. Good luck!
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