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Often we see that someone who has a larger income but fewer assets or property other than the person whose income is smaller. One possible cause is an extravagant lifestyle and without calculation, so that little or no part to save. If you plan to save money, there are several options offered. Or, you could also consider to start investing.

In general, property investment advice that can be divided into two, namely real assets and financial assets. Real assets are assets that are owned and has a shape that we keep or possess. An example is the home of real assets, land and gold. Meanwhile, an intangible financial asset, usually just a paper that is proof of our ownership. Examples of investments include savings accounts, deposits, mutual funds, bonds, stocks, gold, property, and others. Advantages and disadvantages of each type of investment is :

1. Savings banks are saving money in the bank for use later if needed. The advantage is the savings can be taken at any time and no risk. The disadvantage, money can easily be reduced, because it can easily be retrieved at any time and little interest.
2. Deposits are saving money for a certain period, if not yet due money can not be taken or will get a penalty if taken before his time. Benefits of deposits, the risk is very low and acceptable rates higher than ordinary savings. While the loss is the gain or interest received much less when compared with other investment types that deal directly with market risk.
3. Mutual funds are the place to collect funds collectively. Funds collected will be managed by the Investment Manager to be invested in other investment types. When a gain or loss will be divided evenly to the investors. This may be the choice for you who are just starting to invest. Different risk types, depending on the type of risk is selected. Kind is a money market mutual funds, fixed income mutual funds, mutual funds, stocks, and balanced fund. Mutual advantage is not necessary to have a lot of knowledge, because it is managed by the Investment Manager. Because it invested a lot of places, so if there is a loss in one place can be saved somewhere else that might make a profit. While the loss for some people, because it does not manage itself is often not satisfied with the results. Fewer gains than stocks and there are costs incurred for management.
4. Share. Having a stock means that you have an interest in a company. The money that we invest serve as capital for the company. The Company will provide an acceptable profit to shareholders are referred to as dividend. When judged good or a lot of people interested in buying shares in a company, the price will go up, so when you sell the shares will benefit. Conversely, if the company suffers losses, the stock price can go down so that you may suffer losses. These shares may be purchased at a securities company. For each sale or purchase transaction, you will be charged. The advantage is that it can stock a huge profit when the stock price rises. With little capital, can be obtained from the results many times. While the loss, greater risk of losing all, when stock prices fall.

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