Category: investment tips

Things to Pay Attention to in Mutual Fund Investment

Things to Pay Attention to in Mutual Fund Investment

Things to Pay Attention to in Mutual Fund Investment – Nowadays, more and more people are making investments that can benefit themselves when they need it in the future. As we know, mutual funds have become an investment instrument favored by novice investors. There are a number of reasons why mutual funds are an investment instrument favored by novice investors.

1. Impairment

The first thing that novice investors should pay attention to and watch out for before investing in mutual funds is the decline in value. This decline in value itself can be regarded as a risk that can occur to all mutual fund investors.

So, why the decline in value can occur? In a statement, the Bank OCBC NISP Wealth Management Team said that the decline in value occurred due to changes in asset prices in it.

2. Liquidity

The second thing that novice investors need to pay attention to before investing in mutual funds is liquidity. Liquidity problems can occur when the investment manager is late in providing funds for investors to make disbursement payments or redemptions.

Also Read : Recognize the Characteristics of Fake Investments

3. Default

Default is the third thing that novice investors need to pay attention to before investing in mutual funds. This risk can occur if the investment manager is unable to pay the coupons and principal that you have invested because of investment losses.

For that, before deciding to invest in mutual funds, it’s a good idea to look for investment manager products and companies that have been registered with the Financial Services Authority (OJK). In addition to minimizing the possibility of default, investment managers registered with the OJK can also prevent novice investors from making fraudulent investments.

4. Economic and political situation

The economic and political situation is the fourth thing that novice investors need to pay attention to before investing in mutual funds. The economic and political conditions of a nation will usually have a direct impact on the investment world, and mutual funds are no exception. If conditions are not conducive, it could be that the value of profits will decrease. On the other hand, if the conditions are good, then the profits you get can also increase.

Types of Investment for Young People

Types of Investment for Young People

Types of Investment for Young People – Youth is very precious, many people regret not being able to use their youth properly and correctly. Investment is one of the actions that can make the future brighter. Here are the types of investments for beginners

1. Mutual Funds
The first type of investment for beginners is mutual funds. Mutual fund investment is also one type of investment that is currently being watched by the people of Indonesia. This is because the opportunities provided by mutual funds are very wide open. The reason is, we can really provide a lot of capital, even with only Rp. 100,000, we can start investing. Not only that, there are also several securities that offer mutual fund investments with a capital of only IDR 50,000. Therefore, mutual funds are an interesting investment for beginners with small capital to try.

2. Time Deposit
Types of investment beginners with small capital that can be tried are bank deposits or time deposits. The risk resulting from this small capital investment tends to be small, because time deposits are a type of deposit in banks that are guaranteed by the Deposit Insurance Corporation or LPS. As long as the value is less than IDR 2 billion.

Basically the principle of time deposits is the same as saving, we save some money with a number of strict rules and cannot be taken carelessly. Withdrawals can only be made within the agreed timeframe. If the funds are not disbursed within the agreed time, or missed, we will also get a fine.

Also Read :Advantages of Investing a House in Medan

3. Save Stock
The third type of investment for small capital beginners is stocks, we can save stocks to invest. From investing in small capital shares, we can get big profits. However, using stocks as an investment instrument is very risky, especially for beginners.

Therefore, playing stocks as a small capital investment is not recommended for beginners. Because it has a slightly complicated system in how to play. But that doesn’t mean it shouldn’t be tried, for those who have a high learning spirit with a strong mentality, saving stocks can be a very effective medium for learning investment and also learning the stock itself.

4. Peer-to-Peer (P2P) Lending
Another type of small capital startup investment is Peer-to-peer (P2P) Lending. This type of investment can provide great returns. P2P is a financing scheme that brings together investors who have capital with borrowers who need capital.

The practice of activities is also facilitated by institutions that are approved by the OJK so that they are very safe and secure. Every investor is very difficult to find investment instruments that provide high profits, on the other hand many prospective borrowers find it difficult to get funds.

5. Life Insurance + Unit Link
Other types of small capital beginner investments are life insurance and unit links. Unit-linked life insurance is an insurance contract that provides protection benefits at low premiums. This type of insurance can provide death insurance protection benefits as well as investment. However, this type of investment has its pros and cons, back again to our needs and comfort as beginners in the investment world.

Easy Investment and Suitable for Students

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Easy Investment and Suitable for Students – Who says investing can only be done by adults who already have a steady and high-paying job? The reason is, now investing can be done by anyone, you know, including students. Although investment activities for students still sound foreign, investing early on is very important to do, especially to welcome old age. The capital required is relatively lower with the appropriate level of risk for the beginner category. There are also quite promising options if you want to get abundant profits.

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1. Mutual Funds
An investment option for students that is becoming increasingly popular in 2020 is mutual funds. Not only is it ideal for beginners or students, this type of online investment is also the most suitable for those of you who want to learn and get to know more about the world of stocks, bonds and similar investment instruments. Mutual funds are a capital management activity for a group of investors to invest, without having to worry about the various instruments available in the market, namely by buying only mutual fund units.

Not only that, you will also be assisted by a financial management professional known as the Investment Manager (MI). The reason for this recommendation is called ideal for students, because this mutual fund is also an investment that does not require a lot of capital. After buying a mutual fund, your capital will be combined with other investors’ capital, which will then be managed, in order to make a profit.

2. Investment for students in the form of gold
Next there is investment for students who are also increasingly in demand, namely precious metals in the form of gold. Whereas previously gold was known as a financial development option that only those with large capital could do. This is because gold is a type of investment that has a relatively low potential risk of being crushed by inflation. Another advantage offered is that gold has a liquid nature which means it is very easy to trade. So for those of you who are investing in gold, then suddenly you need funds quickly, just sell the gold you have in a short time.

The process of buying and selling gold is also relatively fast when compared to other investment products, including mutual funds or stocks.

Also Read : 7 Best Locations for Property Investment in Indonesia

With a fairly low risk, gold investment has a relatively smaller profit, which ranges from only 2-4% per year.

3. Deposit Investment for Students
The next investment product for students that can be done very easily is deposits. Deposits are classified as online investments that have a low risk level and are very safe, making them ideal for beginners. Why is that so? The funds that you disburse in the form of deposits will be deposited in the bank as part of the financial products offered. Unlike ordinary deposits which can be withdrawn immediately whenever you want, funds in deposits will be deposited for a certain period of time according to the provisions.

So, the disbursement must wait until the time period is over, usually around 6 months, 1 year, 2 years, or longer. The longer the storage period, the potential interest earned will usually also follow with a range of between 5-8% per year excluding corner cuts which can touch the figure of 20%.

4. Investing Through P2P Lending
Peer to Peer Lending or abbreviated P2P is a type of investment instrument that is starting to get attention lately. It is enough by preparing a capital of as little as IDR 100,000, you can jump into the P2P system. The way it works itself is by collecting money into an official collector’s container which will later be managed by the service provider to be distributed to parties who need capital, such as MSMEs (Small and Medium Enterprises).

From here you can enjoy quite tempting interest, up to 20% as a return on the capital that has been invested. The risk of this online investment is high because there is no guarantor who can be a benchmark.

5. Stock Trading
If you want to find a type of investment for students that is really profitable, stock trading can be the best choice. The high rate of return of course is directly proportional to the risk that will force you to think twice if you want to try stock trading.

As the name implies, stock trading is an activity of buying and selling shares whose prices are very volatile because they can change quickly in just a short time.

How to Get Started with Bitcoin Investing

How to Get Started with Bitcoin Investing

How to Get Started with Bitcoin Investing – Today bitcoin investment has become one of the most popular investments and has a lot of interest spread throughout the world.

Investing in Bitcoin or other digital currency (cryptocurrency) is an interesting thing to do because it can provide very high returns in a short time.

However, how to buy Bitcoin and other cryptocurrencies? Here are tips to buy Bitcoin cs easily through crypto exchanges.

1. Find the right crypto exchange

The exchange is a place that brings together sellers and buyers of investment assets. Like exchanges in general, cryptocurrency exchanges act as a container for buying and selling cryptocurrencies.

Today there are countless cryptocurrency trading companies. However, only 13 are registered with the Commodity Futures Trading Supervisory Agency (Bappebti). They are PT Crypto Indonesia Berkat, PT Upbit Exchange Indonesia, PT Tiga Inti Utama, PT Indodax Nasional Indonesia, PT Pintu Kemana Saja, and PT Zipmex Exchange Indonesia.

Then there are PT Bursa Cripto Prima, PT Luno Indonesia LTD, PT Rekeningku Dotcom Indonesia, PT Indonesia Digital Exchange, PT Cipta Koin Digital, PT Trinity Investama Berkat, and PT Plutonext Digital Aset.

2. Compare each exchange

Before buying crypto assets, it’s good to pay attention to every condition that exists in each exchange. Usually there are several things that are different in each cryptocurrency trading platform, for example, what coins are being traded.

In addition, it is also important to pay attention to fees in transactions to the availability of customer service because each exchange has different rules.

3. Create an account

If you have found the right cryptocurrency exchange, the next thing that needs to be done is to create an account on that exchange.

In creating an account, you will usually need to verify your email address and identity. Like registering with a bank online. Therefore, it is necessary to prepare self-identification photos and cell phones with good internet networks.

Also Read:Investment Success Tips for Freelancers

4. Make a deposit

After the account is verified, the user / customer can deposit the funds they want to invest in cryptocurrency.

Funds deposited are in the form of fiat currency or currency that is used daily. This method of replenishing funds can be done via bank transfer, debit card, to credit card, depending on the services provided by each exchange.

5. It’s time to buy Bitcoin cs

After the funds have been transferred successfully, the next thing is to purchase the desired cryptocurrency. Usually, cryptocurrency exchanges allow small purchases, for example starting from just IDR 100,000.

The process of buying cryptocurrency using a digital exchange is not difficult, it is enough to click the buy button and fill in purchase data, such as the type of digital coin purchased to how much money you want to spend on that coin.

However, it should be noted, the movement of cryptocurrencies is very fast. Therefore it is advisable to be careful before buying, and it is better to make purchases when the price is low.

Investment Success Tips for Freelancers

Investment Success Tips for Freelancers

Investment Success Tips for Freelancers – For freelancers, this investment is also another way to get a steady income, with this everyone must have a financial planning strategy.

Financial planning should be done by anyone, no matter what type of job you are. If you are a professional, employee or businessman, we must have a financial planning strategy that is tailored to our income or income. But what if our income doesn’t stay like freelancers?

“This is a major problem for freelancers who find it difficult to achieve their financial goals. Therefore, start you who are freelancers planning finances from the start and must be able to allocate the money. Starting from financial allocation, emergency funds, protection and investment, “said financial planning, Rizqi Syam, in his written statement, Friday (19/2/2021).

Freelance workers, not only can they make a measurable financial plan, they can also keep investing to develop their financial condition. Here are tips for freelancers to keep investing.

1. Why is investing so important to freelancers?

There is a miracle in the world of investment that we can feel, namely coumpounding interest. If we want to accelerate our financial goals, Rizqi suggests that we should be able to open up more sources of income. Don’t just rely on one source of income.

“By investing it allows us to get income from investment results,” he said.

2. The allocation of freelance investment must be greater than that of permanent employees

Rizqi said that as a freelancer you should allocate a bigger income for investment compared to permanent employees. Why is that?

“As freelancers, we are required to allocate income, at least for the next 6 months, and this future income is outside of the emergency fund,” said Rizqi.

Many freelancers are struggling with their financial arrangements because they don’t have the future income they allocate. Every time you receive a payment for your work, it feels like money is abundant but if there is no allocation for investment it can be dangerous in the future.

“That’s because they don’t budget for their future income and this could backfire on us,” he said.

3. Determine your financial goals before investing

The thing that usually confuses someone when they want to start investing is determining the investment product. What products are suitable for other people may not be suitable for your financial goals. Each product’s financial goals will be different.

Make sure you have calculated in advance the value that is in accordance with the financial goals, inflation, timeframe, and the return that we hope to achieve.

“If we have found the answer, then we choose an instrument to diversify in order to minimize the risk,” said Rizqi.

Also Read:Investment Exchange Fraud Mode

4. Find out as many financial product questions as you can from independent advisers

If you already know your financial goals, find out as much as you can about financial and investment products. In order to be safe, you don’t choose the wrong choice, the key is to deepen the education of financial products.

Rizqi suggested that it is better to join a class organized by a financial planner or advisor. This is important so that you can get an independent opinion on financial products. Don’t ask about financial products only to the seller of the product, because every trader will always say that the goods are good.

5. Ask the following questions in order to choose an investment product that suits you

After getting to know various kinds of investment products and their benefits and risks, you can consider which product to invest in. Now is the time for you to match the product to your financial goals based on several measures.