Jakarta, CNBC Indonesia – During Eid, children often get holiday allowance (THR) from their siblings, apart from their parents. But the question is, where is the money saved? Is it a regular account or just invested?
Parents can actually use THR money to educate their children about finances. However, you as a parent must have a good understanding of finances so that you don't make mistakes in explaining this.
The first thing you can do is let your child use 50% of the total THR money they get for things they want. Then you can save the other 50% into this instrument.
Low risk instrument
SBN & SBSN
Government Securities (SBN) or the sharia version (SBSN) are investment instruments that have small risks, as well as potential returns of more than 5% and final tax of 10%.
This instrument is a fixed income investment instrument that is free of default risk and can generate passive income. Choose FR or PBS type SBSN bonds which are available in the secondary market.
Apart from being able to provide fixed returns, you can also sell this instrument again in the future.
Deposit
If you want a deposit with a higher yield, choose a People's Economic Bank (BPR) deposit or a digital bank.
As is known, the current guarantee interest rate from the Deposit Insurance Corporation (LPS) for BPR deposits until May 31 2024 is 6.75%, while for commercial banks it is 4.25%.
Precious metal
Instruments that are often mentioned safe haven This price has increased several times before Eid. But is it still an option?
Of course you can, as long as you don't sell the gold in the short term or under five years.
Money market mutual funds
Mutual funds are investment vehicles used to collect investor funds which will later be reinvested in several assets. Call it money market assets, bonds or shares.
When the type is the money market, the investment assets in the mutual fund portfolio are deposits and debt securities with short tenors of under one year.
Moderate risk instrument
Fixed & mixed income mutual funds based on corporate bonds
Mutual funds are certainly the easiest investment choice for those who want investments with returns above SBN, deposits and gold. It's just that the risks borne will be higher than the instruments above.
Fixed income mutual funds have basic assets in the form of bonds and sharia securities as well as a small number of money market instruments.
Meanwhile, mixed mutual funds have three types of basic assets, namely shares, debt instruments and money markets. The larger the portion of debt instruments in mixed mutual funds, the risk tends to be moderate.
Choose fixed and mixed income mutual funds based on corporate bonds because the returns are quite attractive
High risk instrument
Blue chip stocks & share based mutual funds
Shares can indeed provide benefits in the form of capital gains and dividends. Apart from that, shares also have a fairly low final tax, namely 0.1% of sales.
Choose shares that have good fundamentals, such as banking shares that regularly distribute dividends.
If you choose mutual funds, the choices are stock index, stock and mixed funds whose portfolios are dominated by shares.
Crypto
As an investment asset, crypto can also generate huge profits. It is very possible for crypto to rise above 20% a day, but it is worth knowing that the crypto market is open 24 hours and does not recognize upper and lower limits like auto reject upper (ARA) and auto reject lower (ARB) stocks.
Of the many crypto coins that exist, Bitcoin has a large market capitalization and could be an option. However, you should also know that the losses experienced by investors are also directly proportional to the size of the profits.
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