Tips cara Investasi Bagi Anak Muda dalam 4 Langkah Mudah

There are several personal investments in the financial market that have now become a productive lifestyle among young people or first jobbers. According to the general view that investment can only be made by mature and old people, it is no longer relevant. from several demographic investment data, all investors in Indonesia are increasingly dominated by the millennial young age group.

According to statistical data from the Indonesian Central Securities Depository (KSEI), it was recorded that the number of investors or Single Investor Identification (SID) in the domestic capital market until the end of 2020 reached 3.87 million investors. This figure increased 56% compared to the position at the end of 2019. Of the number of investors, almost half of them were under 30 years old, while the age range of 31-40 years reached 25% of the total number of domestic investors in 2020. In other words, 70% of market investors Indonesia's capital is young people.

Guide to Investing

1. Understand Investment Concepts and Risks

Generally, insurance is basically the easiest financial risk management mechanism. some things that must be considered the occurrence of which poses a risk to a person's financial condition, it is better to be insured. this is not all things can be insured from the government, but there are at least two types of insurance that are very important to have; namely life insurance and health insurance.

For young and old, these two types of protection are quite important and are often ignored because they feel that the risk of getting sick and dying is not too big. Mental protection or health is sometimes considered as a need for mature age groups who are already married. in this case the assumption is not correct, because no one can predict the risk of getting sick or dying.

2. Have Clear Financial Goals

In this step you want to start financial investment is to register yourself the financial goals to be achieved through investment. In some ways, financial goals are more simply marked as a condition that you want to achieve in terms of focusing on certain financial funds that you invest in. With a financial goal, the way you make financial investments can be more focused because it has a priority goal and a good strategy

You can also focus on investment finances according to a certain time target. Priority, short-term and long-term investment financial goals are financial goals that you want to make a reality in less than 3 years. example = finance going home and year-end holidays, down payment on the first house, and so on. Two medium-term financial goals are financial goals that you want to set in a 3-5 year span. for example, money married 3 years of graduate school finances, and others. Third, the main long-term finance is the financial target to be achieved in a span of more than 5 years. in this case are pension funds, children's education funds at universities, electricity and so on.

3. Determine the Investment Instrument

After that, you have a financial focus that has been categorized based on the achievement period, then you can start determining the choice of the right investment instrument according to the time horizon of your financial goals and risk profile. The main time horizon because it will affect the assessment of the risk of an investment instrument and its effectiveness in helping you achieve the predetermined target of funds. For example, your financial goal is to prepare finances for a 2-year marriage of IDR 150 million, then the right investment choice is an instrument with a low-medium risk level such as money market mutual funds and fixed income mutual funds. Financial stocks are not intended for finance within 3 years because the risk of price fluctuations is too high in the short term.

In this case, considering the time horizon, in choosing a financial investment instrument, make sure you pay attention to your risk profile as an investor. How to check it? You can fill out the risk filling forum sheet every time you want to start a financial investment. The characteristics in the 3 risk profile categories are conservative, moderate and aggressive investors.

Conservative investors are investments that are more stable, do not want the principal investment (the initial funds) to decrease, do not like fluctuations in investment value. and, moderate investors are fund investors who can still accept price fluctuations that occur hoping that their initial capital will not run out and are quite satisfied if their investment grows beyond the inflation rate and bank deposits. Finally, aggressive investors are investors who are able to take the risk of losing their investment capital and are comfortable with sharp price fluctuations because they want their investments to grow many times higher than deposit interest (risk free rate).

4. Open an Investment Account

it has a clear main plan of financial funds along with a choice of investment instruments, it's time to execute the plan. and investing in the world of financial markets, you are required to have a financial investment account. How to open an investment account is not difficult. You do this through the right financial institution, such as a OJK securities company if you want to invest in financial stocks, or at an investment manager company if you want to start investing in mutual funds online, and so on.

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