A new trend is emerging among Indonesian youth on social media. On Instagram, their IG Stories are no longer just about OOTD, food, or travel. Now, they're also showing screenshots of their investment portfolio movements.

Young Indonesians are actively investing. Gone are the days when they were afraid of investing. According to the Indonesia Stock Exchange (IDX), the majority of new investors in the past three years have been millennials and Gen-Z.

When Is the Right Time to Start Investing Online?

The growing trend of online investment among Indonesian youth is becoming the norm. Almost every investment path—including stocks, mutual funds, cryptocurrency, real estate, and gold—is seeing high demand.

But should you invest just because it’s trending? Many young people, often driven by FOMO (fear of missing out), may feel pressured to join in. However, investing just because everyone else is doing it isn’t necessary.

While it’s true that starting early is recommended, everyone’s situation is different. Before diving into the investing pool because of trends or the lure of quick profits, it's important to evaluate your financial condition and mental readiness.

Consider investing online if you meet the following conditions:

1. Stable Income

Whether you're a student, employee, entrepreneur, or freelancer, make sure you have a reliable source of income—even if it's not a traditional monthly salary.

2. Emergency Fund in Place

While investing is important, it shouldn't be your top priority if your funds are limited. Building an emergency fund should come first. Unexpected situations can happen, and having a financial safety net is crucial during a crisis.

You can invest for emergency fund purposes, but make sure to choose instruments that are liquid—easy to cash out—because emergency funds are meant for urgent, anytime needs.

3. Manageable Debt

Prioritize paying off debt—especially if you have lots of "buy now, pay later" bills, credit card debt, or installment payments for vehicles or property. Don’t start investing until your debts are under control or fully paid off.

4. Long-Term Goals

Investment gains don’t come instantly. It takes time to see real benefits from investing. If you're looking for long-term profit, try various investment instruments—but make sure they match your financial goals and capabilities.

Read:  What is a Mutual Fund? Definition, Types, Benefits, and How It Differs from Other Investment Products

5 Investment Options for Beginners

Based on the conditions above, what online investment opportunities are ideal for beginners? Here are some beginner-friendly options:

1. Time Deposits

Deposits are a favorite among beginner investors. You don’t need to worry about market fluctuations—time deposits offer relative stability. Just store your money for a fixed period, and you'll earn interest.

However, keep in mind that you can’t withdraw your deposit funds freely. Withdrawal is usually allowed only after a set term—such as 6 months, 12 months, or even 24 months.

2. Mutual Funds

Mutual funds are another low-risk investment option for beginners. If you're new to investing, this is a great place to start. It’s ideal for young people unfamiliar with the investment world.

Mutual funds pool money from the public, managed by professional fund managers, and invested in different instruments like money markets, bonds, and stocks. Types include:

• Money Market Funds
• Equity Funds
• Bond Funds
• Balanced Funds

You can invest in mutual funds online via apps or e-commerce platforms. Getting started is easy—just sign up, pick a fund and a manager, and you'll see all the relevant info like return rates, portfolio details, and risk profiles.

You can start investing in mutual funds with as little as Rp100,000 and potentially earn returns of up to 20%.

Note: This article is not financial advice. Past performance does not guarantee future results. Readers are encouraged to do their own due diligence.

3. Gold Investment

Some might think gold is only for older investors—but it’s actually a great option for young people too. Gold investments can now be made online through apps or e-commerce platforms.

The initial capital needed is very low—sometimes under Rp100,000. Gold’s value tends to rise year by year, making it a profitable investment.

With neobank apps, you can start investing in gold with just Rp10,000—perfect for beginner investors.

Read: 5 Easy Benefits of Investing in Gold

4. Peer-to-Peer (P2P) Lending Investment

P2P lending has become a popular choice among young investors. This type of investment involves online lending platforms, where you can be either a borrower or a lender.

These services connect lenders (like you) with borrowers, allowing you to lend money and earn returns through interest payments from the borrower.

Each investment instrument carries its own risks and rewards. Choose wisely based on your goals and risk tolerance.

Final Thoughts

Start your investment journey with low-risk instruments. Don’t delay if you're ready—start investing now, even if it’s with a small amount.

Every journey begins with a single step.
So, start investing with neobank from deposits and gold to mutual funds—all made easy and profitable.

Download the neobank app on PlayStore or App Store and start investing today for your future!

For complete information and terms & conditions regarding neobank products, click the following links:

- WOW Time Deposit: https://bit.ly/EdWebDepositoWOW

- FLEXI Time Deposit: https://bit.ly/EdWebFLEXI

- Mutual Funds: https://bit.ly/EduWebReksaDana

- Neo Gold:  https://s.id/infoneogold

If you want to try neobank products, click the links below:

- WOW Time Deposit: https://bit.ly/DepositoWOWEdu

- FLEXI Time Deposit: https://bit.ly/EduDepositoFLEXI

- Mutual Funds: https://bit.ly/EdReksaDana

- Neo Gold: https://s.id/neogold

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PT Bank Neo Commerce Tbk is licensed and supervised by the Indonesia Financial Service Authority (OJK) and Bank Indonesia (BI), and an insured member of Deposit Insurance Corporation (LPS).