Category: Stock Investment

Most Popular Investment in Indonesia

Most Popular Investment in Indonesia

Most Popular Investment in Indonesia – In Indonesia, there are lots of investments that can make your future brighter. In investing you have to be more thorough in looking for even to start. The following is a list of very popular investments in Indonesia

1. Short term investment

As the name suggests, these investments are made over a short period of time, less than five years. Usually short-term investment goals, including marriage, vacation, or emergency funds.
For short-term investments, you should put your money in investment instruments that are lower risk, liquid or easily liquidated, such as gold, time deposits, money market mutual funds, government bonds or ORI.
So, if you need funds at any time or urgently, you can sell gold, withdraw deposits or sell mutual funds. Invest in low-risk instruments, don’t expect big profits.
The level of profit or return on low-risk investment instruments is minimal. For example, the average profit for money market mutual funds is around 4-6% per year.

2. Long term investment

It is the opposite of short-term investment. This investment is suitable for those of you who have future financial goals, such as buying a house, children’s education costs, retirement funds, and others.
Long-term investments take more than five years. In this case, you can place your funds in the right investment instruments to achieve these goals with greater profits, such as stocks, stock mutual funds.

Also Read :Types of Investment for Young People

3. Stock

Stock investment is one type of investment instrument known as ‘high risk high return.’ This means that this investment has a high level of risk, but provides high returns as well.

The profit from investing in stocks really depends on market movements and the performance of the company whose shares you hold. That’s why there are terms capital gains (profits from rising stock prices) and capital losses (losses from falling stock prices).

In contrast, the profits from stock investments fluctuate, depending on market movements and the performance of the company whose shares you buy. For example, you buy shares of a mining company at a price of Rp. 1,000 per share for Rp. 20 million.

Then you get 200 thousand shares or 200 lots (1 lot = 100 shares). If in a year this stock increases in price by Rp. 200 and becomes Rp. 1,200 per share, then the shares are sold, you will make a profit of Rp. 40 million.

These profits are potentially higher if you keep the stock in the long term. It is possible that the stock will move up and you get hundreds, even thousands of percent profits.

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Things You Must Know Before Sharia Investment

Things You Must Know Before Sharia Investment

Things You Must Know Before Sharia Investment – Sharia investment has become quite popular at this time and it is rumored that it will continue to increase and improve, with the spread of this news that many investors are investing in sharia.

Finansialku’s financial planner, Harryka Joddy P said that early this year the potential for sharia investment will continue to improve. There are many reasons that predict the investment climate will be fresher.

First, a reduction in Bank Indonesia’s benchmark interest rate at the end of the year. In addition, positive sentiment also came from the COVID-19 vaccination program that was initiated.

Not only that, the government is currently optimizing the SWF (Sovereign Wealth Fund) institution to attract investors and market players’ optimism for government programs to restore the national economy.

So, considering this is a good time to invest, let’s get ready. For those of you who are just interested in sharia investing, let’s get to know first what sharia investing is. So, what is the difference between ordinary investment?

1. How to recognize Islamic investment?

There are many types of Islamic investments ranging from Islamic deposits, sukuk, gold, Islamic mutual funds, to Islamic stocks. If you now want to invest in the stock market but according to Islamic sharia principles, you don’t need to be confused.

An easy way for novice investors who want to invest their funds in accordance with sharia principles is to view and refer to the Sharia Securities List (DES). List of Sharia Securities is a collection of securities that do not conflict with the principles of sharia in the capital market stipulated by the OJK and MUI.

“From there, we just have to choose what instruments will be analyzed and purchased to have a sharia investment portfolio. Currently, there are many Islamic investment instruments that can be easily accessed by the wider community,” said Harryka.

2. What is the difference with ordinary investment?

What distinguishes it from ordinary investment is that all forms of sharia investment must comply with the principles and principles of sharia and be bound by the fatwas and provisions of the National Sharia Council-Indonesian Ulema Council.

One example of the principles and principles of sharia that must be fulfilled by sharia investment instruments is to avoid elements such as maisir (gambling), gharar (uncertainty), usury (addition), and so on.

3. What does it have in common with conventional investing?

Harryka explained that basically, sharia and non-sharia or conventional investments both aim to gain future profits. They are also legal and legally protected investment vehicles.

Sharia investment can also generate profits in accordance with investment characteristics such as coupons, dividends, capital gains, in the form of profit sharing. Both can also cause losses for investors depending on market conditions.

“The most obvious example is during a pandemic and crisis like this, almost all investment instruments experienced a significant reduction in the profit sharing rate,” he said.

Also Read:Important Stock Investment Tips For Beginners

4. Then which is the best Islamic investment?

Harryka said that the best choice is in accordance with our financial goals, be it the short, medium and long term. Also adjust the risk profile of each instrument with our risk tolerance.

“For example, Islamic stocks that have a high enough risk level are suitable for investments with long-term financial goals of over 10 years,” said Harryka.

5. Why is now the right time to invest in sharia?

In general, this is considered a good time to invest. The first reason is the decline in Bank Indonesia’s benchmark interest rate at the end of the year. In addition, positive sentiment also came from the COVID-19 vaccination program that was initiated.

Not only that, the government is currently optimizing the SWF (Sovereign Wealth Fund) institution to attract investors and market players’ optimism for government programs to restore the national economy.

Apart from that, especially for Islamic investment, there is an even stronger reason. The government is currently boosting Indonesia’s sharia economy. In May 2019, President Joko “Jokowi” Widodo launched the 2019-2024 Indonesian Sharia Economics Master Plan.

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Important Stock Investment Tips For Beginners

Important Stock Investment Tips For Beginners

Important Stock Investment Tips For Beginners – The stock investment trend is one of the most popular investments today among millennial, with the rapid development of stock investing, many beginners want to try these stock investments.

Millennials who are currently active on the stock exchange are commonly known as retail investors. For those of you beginners who are just about to enter the world of stocks, it is better to first learn how the capital market works, especially stocks.

In addition, understand five basic tips in stock investing to find out the risks you will face when you become a stock investor. Come on, take a peek at the tips as follows!

1. The stocks that you buy are in the blue chip category

There are three categories of stocks, namely first liner stocks or what are called blue chip stocks, second liner stocks and third liner stocks which are also known as fried stocks. When you want to buy stocks for the first time, try to buy blue chip stocks.

Companies that are included in the blue chip stock category are market leaders who have been in the capital market for a long time. Usually the company’s performance is good, the profit generated increases and is diligent in distributing dividends to shareholders.

2. Learn the fundamentals and technical basics before buying stocks

Continuing from the previous tips, the reason that makes blue chip stocks good is because they have good fundamentals. You must be able to analyze the basic fundamentals at least from the value of Debt to Equity Ratio, Price to Earning Ratio, Price to Book Value, Earning per Share and several other important aspects.

Like the slogan held by investors, namely ‘In fundamental we trust’. If you want to be even more proficient, you can start learning how to share technical analysis, which is no less important.

3.Avoid the FOMO (Fear of Missing Out) phenomenon

In investing in stocks, there is also the term FOMO or a fear when we miss something fun. This means that people may be feeling high when they have lots of lots in stock A that are actually profitable. Instantly you don’t want to be left behind and buy the stock.

Unfortunately, it’s not a profit, in fact, you experience a loss because you buy at the top price. The tip is not to try to catch a train that is already running, but wait for the next train that will depart. This is an analogy for avoiding losses like a train that has gone fast earlier.

Also Read:Collection for Classic Motorcycle Investments

4. Follow Warren Buffett’s adage in investing

Always remember the adage of veteran investor Warren Buffett “Be Fearful When Others Are Greedy and Greedy When Others Are Fearful”. That is, when people are afraid when the stock is down or red, it’s time for you to start adding ammunition by paying regular installments for shares because it means the stock price is being discounted.

The popular term is called dollar cost averaging (DAC), instead of selling stocks. Conversely, when the portfolio starts to return to normal and even gets high profits, then you can sell it.

5. Don’t easily trust stock recommendations or ‘stock pompoms’

One thing that must be understood is that you do not easily believe in share recommendations from other people. You must have your own fundamental analysis to buy stocks.

Often times, a share recommendation or the issue of a stock’s price going up is used by certain parties only to boost the share price. So, don’t be easily consumed by stock pompoms, huh.

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