7 Types of Investment Suitable for Beginners in 2025 – Sharia to Crypto Low Risk!

Jakarta, Pintu News – Investing is no longer something exclusive to the rich or financial experts. Nowadays, anyone can start investing, including those of you who are new to this world. Based on the basic principles of sharia finance and financial education from various sources, investments for beginners should focus on instruments that are safe, easy to understand, and have measurable risks.

Here are some recommended investment types for beginners, including Islamic options and low-risk crypto investments.

1. Gold: A Stable and Widely Preferred Physical Asset

Gold investment has been a favorite choice for a long time, mainly because its value tends to be stable and easy to sell. Gold bars and digital gold savings are now available on various platforms, including sharia-based ones such as Pegadaian Syariah and Logam Mulia.

According to historical data, gold has experienced significant price increases over the long term. For beginners, gold can be an option to preserve the value of money from inflation.

Also Read: 5 Coin Memes Predicted to Explode After Bitcoin Breaks $125,000

2. Sharia Mutual Fund: Automatic Diversification, Light Capital

Islamic mutual funds allow you to invest in stocks and bonds that comply with Islamic principles. The fund manager will manage the collective funds of investors, making it suitable for beginners who have not yet mastered in-depth market analysis.

Islamic mutual fund products are now available on financial apps such as Bibit, Ajaib Syariah, as well as several national Islamic bank platforms.

3. Sharia deposits: Safe and Secure

Sharia deposits are investment products that provide fixed returns with a certain period of time, without the element of usury. Suitable for beginners who want to get a higher return than ordinary savings but still prioritize the principle of prudence.

Generally, sharia deposits are offered by sharia banks such as Bank Mega Syariah, BSI, or BCA Syariah, with a minimum placement starting from Rp1 million.

4. Property: Big Capital, But Potential

Property investment is still one of the most sought-after because of its relatively increasing value. However, for beginners, it requires a large amount of funds and an understanding of legalities and taxes.

Now, there is also a fractional property platform that allows investors to buy a small portion of a property with more affordable capital.

5. Sharia Shares: Participate in Owning Companies Without Riba

For those who have a good grasp of basic analysis, sharia stocks could be the next step. The Indonesia Stock Exchange (IDX) offers the Indonesia Sharia Stock Index (ISSI), which lists sharia-compliant issuers.

For beginners, it is advisable to choose blue chip stocks with strong fundamentals and regularly pay dividends.

6. Low Risk Cryptocurrency: Sharia Alternative Through the Door

Investing in digital assets such as cryptocurrencies can now also be considered by beginners, provided they take the right approach. The Pintu platform, which is officially registered with Bappebti and has implemented the precautionary principle, is one of the beginner-friendly crypto investment options.

The types of crypto that are suitable for beginners are:

• Bitcoin – The largest market cap, considered “digital gold”.
• Ethereum – The second most popular asset, supporting the Web3 ecosystem and smart contracts.
• PAX Gold – A token that represents 1 troy ounce of physical gold. Suitable for Islamic investors as it is backed by real assets and is usury-free.

These assets fall into the low volatility crypto category and tend to be more stable than smaller altcoins. The Pintu platform also provides features such as Crypto Earn and Pintu Academy for free learning.

7. Alternatives: Retail Sukuk and Islamic Crowdfunding

The Indonesian government regularly issues Retail Sukuk (SR) as a state-based Islamic investment instrument. The returns are competitive, and the funds are used to finance national development.

In addition, Islamic crowdfunding platforms such as Ethis and Dana Syariah allow investors to fund MSME or property projects based on sharia contracts with transparent returns.

Conclusion: Choose according to Purpose and Risk Profile

Every beginner has different needs, capital and risk preferences. For those who want stability, gold and sharia deposits can be an option. If you want more growth opportunities, sharia or crypto mutual funds like PAXG can be considered.

Most importantly, make sure you understand the investment product before you invest, and always use cold funds. With modern platforms like Pintu, even beginners can now learn and start crypto investing with more manageable risks.

Also Read: Shocking Prediction of Uniswap (UNI) Price Until 2030 According to CoinCodex!

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Enjoy an easy and secure crypto trading experience by downloading Pintu crypto app via Google Play Store or App Store now. Also, get a web trading experience with various advanced trading tools such as pro charting, various types of order types, and portfolio tracker only at Pintu Pro.

*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities are subject to high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying andselling Bitcoin and other crypto asset investments are the responsibility of the reader.

Reference:

• BFC Capital. 7 Common Types of Investments: A Comprehensive Guide. Accessed October 13, 2025.