Relying on a single source of income is no longer an ideal option nowadays. The growing cost of living, rising prices, and economic uncertainty have driven many people to seek additional income streams. One increasingly popular solution is building passive income, which is defined as earnings that continue to flow without the need for constant active work.
The popularity of passive income continues to rise, especially as tech-savvy young people discover various easy ways to earn it. With the help of the internet, digital platforms, and social media, they can build passive income sources such as selling digital products, running affiliate marketing, or investing in digital assets. This makes passive income no longer limited to certain groups, but accessible to anyone willing to learn and give it a try.
If you’re ready to take the first step, these five alternative investment platforms and fintech innovations would be best to consider.
Understanding Alternative Investments
Traditional finance tools like savings accounts and term deposits often provide limited growth, especially when inflation rises. As a result, many people are looking for smarter ways to earn more money. That is why many people now choose alternative investments.
Supported by fintech innovation, these alternative investments offer more choices than just stocks and bonds. You can invest in real estate, lend money online, earn from crypto, or even buy a small part of art and other valuable items. They provide opportunities for higher returns and help investors diversify their portfolios, reducing the impact of market swings.
Thanks to new financial technology, it is now easier for everyone to invest. Today’s online platforms let people start with small money, see how their investments grow in real time, and join markets that used to be only for big companies. Therefore, because of this easier access, alternative investments are becoming more important than ever. They help people find new ways to grow their money, protect it from inflation, and build financial security beyond traditional savings or bank deposits.
Why Alternative Investments Matter Today?
You may have experienced earning very small returns from your bank savings. Even after saving millions over the years, you might only receive less than a hundred thousand in return. Unfortunately, in today’s world, prices of goods keep rising and the value of money can slowly go down. Yet, with alternative investments, you will not face the same disappointing experience.
Here is the importance of alternative investments in today’s economy.
Higher Potential Returns
In today’s economy where inflation is rising and the cost of living keeps increasing, relying on traditional savings or fixed deposits may not be enough. The returns are often too low to keep up with daily expenses or long-term financial goals. Alternative investments matter because they offer higher return potential, helping individuals grow their wealth faster and keep up with economic challenges.
Diversification
In uncertain economic conditions, relying on just one type of asset can be risky. Therefore, you have to start thinking about spreading your money across different asset types. Alternative investments can help you with this diversification.
Technology-Driven Access
Everything is connected to technology today, and that includes finance. This means financial technology (fintech) is likely to offer strong profit potential in the future. Fintech platforms also make investing simple and affordable for everyone. They allow users to start with small capital and offer user-friendly features that guide them through the process. This is especially important in today’s economy, where more people are seeking flexible and accessible ways to grow their money, without needing deep financial knowledge or large savings.
5 Key Alternative Investment Platforms for Passive Income
Here are 5 popular and accessible alternative investment platforms for you to try. Each offers a different approach, from property funding, Micro, Small, and Medium Enterprises (MSME) lending, to digital assets.
Ekuid
Ekuid is one of the securities crowdfunding platforms in Indonesia that has official licensing from the OJK. Through Ekuid, the public can invest directly in various businesses, especially MSMEs and creative economy projects, particularly in the creative industries such as film, music, and games. In Ekuid, you can start investing with as little as IDR 100,000.
Crowddana
For you who want to start investing in properties, Crowdana is the best platform to consider. It allows you to invest collectively in property assets and earn regular returns. With a low and affordable minimum investment, it makes property investment accessible to a wide range of people.
Amartha
Amartha is a peer-to-peer lending platform that lets you invest in Indonesian MSMEs, offering returns of up to 15% flat per year with a low minimum investment of just IDR 100,000. Founded in 2010, Amartha started as a microfinance platform connecting rural micro-enterprises run by strong women with affordable capital access.
Pluang
If you are to find a multi-asset investment platform, Pluang is the only right option. It provides a wide variety of investment options, including US stocks, cryptocurrencies, gold, and more. There are no hidden fees. All charges are only related to balance withdrawals and trading.
Bibit
Bibit is the best investment platform for everyone. Whether you are a newbie, student, housewife, or professional, Bibit offers easy and reliable ways to generate passive income. It is also a well-known investment platform in Indonesia that provides access to mutual funds, government bonds, and stocks. It has been recognized by the Ministry of Finance for its role as an official distribution partner for Saving Bonds Negara (SBN).
Opportunities and Challenges
Alternative investment platforms and fintech innovations give new ways to earn passive income. They let people invest in things like real estate, digital products, and peer-to-peer loans easily. These platforms make it simple for small investors to join and start investing with little money.
However, there are also challenges. Rules from the government can change, so your money might be less safe. Sometimes the market goes up and down, then you can lose money. Also, these new investments can be hard to understand. You need to learn how they work to not make mistakes or get tricked. It is important to be careful and know what you are doing when you invest.
Despite these challenges, more people are using fintech to find new ways to earn money without constantly working. It is a great option in today’s economy. So, do not hesitate to try these five alternative investment platforms.