Activity

Having a personal investment in the financial shout out has now become a productive lifestyle in the midst of juvenile people or first -time workers . The old-fashioned view that investment can lonesome be ended by people of epoch age is no longer relevant. This can be seen from the demographic data of investors in Indonesia, which is increasingly dominated by the minor millennial age group.

Based on data from the Indonesian Central Securities Depository (KSEI), it was noted that the number of investors or Single trailblazer Identification (SID) in the domestic capital publicize until the end of 2020 reached 3.87 million investors. This figure increased 56% compared to the twist at the end of 2019. Of the number of investors, vis–vis half of them were below 30 years old, even though the age range of 31-40 years reached 25% of the sum number of domestic investors in 2020. In further words, 70% of make known investors Indonesia’s capital is pubertal people.

If we are unanimous about wanting to start investing in the capital market, attempt taking into account the guidelines for how to invest in the subsequently financial markets:

Guide to Investing

1. understand Investment Concepts and Risks

Insurance is basically the easiest financial risk executive mechanism. anything that poses a risk to a person’s financial condition should be insured. Although not everything can be insured, there are at least two types of insurance that are unconditionally important to have; namely sparkle insurance and health insurance .

For juvenile people, these two types of guidance are often ignored because they quality that the risk of getting ill and dying is not too big. agenslot and health are sometimes considered as the needs of grow old age groups who are already married. Of course, this assumption is inaccurate, because no one can forecast the risk of getting sick or dying.

So, in imitation of talking about which insurance is more important, then the respond is, both buying activity sponsorship and buying health guidance are equally important. However, if you are nevertheless in a situation where you have to prioritize spending premiums, you can declare options based on the behind guidelines.

2. Have distinct Financial Goals

The next step if you desire to start investing is to list the financial goals you want to attain through investing. Financial goals are straightforwardly interpreted as a condition that you want to attain in savings account to a definite financial fund goal for a positive period. By having financial goals, the quirk you invest can be more targeted because you have determined targets and strategies.

You can also divide your financial goals according to the endeavor time. First, short-term financial goals are financial goals that you want to reach in less than 3 years. For example: homecoming and year-end vacation funds, first home down payment funds, and for that reason on. Second, medium-term financial goals, namely the aspiration funds that you desire to cumulative in the range of 3-5 years. For example, marriage funds in 3 years, postgraduate learned funds, and others. Third, long-term financial goals, namely take aim funds to be achieved in a span of more than 5 years. Included here are income funds, children’s education funds at universities, and as a result on.

From each of these financial goals, determine the intention funds that we want to realize. For example, a marriage fund in 3 years is Rp. 100 million, a beside payment for the first home is Rp. 150 million, and as a result on.

3. Determine the Investment Instrument

After having financial goals that have been categorized based on the timeframe for achievement, subsequently you can begin to determine the other of the right investment instrument according to the period horizon of your financial goals and risk profile. era horizonThis is totally important because it will appear in the assessment of the risk of an investment instrument and its effectiveness in helping you achieve the predetermined aspiration of funds. For example, if your financial endeavor is to prepare a marriage fund in 3 years of IDR 100 million, later the right investment unconventional is an instrument considering a low-to-medium risk level such as allowance promote mutual funds and firm pension mutual funds. Stocks are not recommended for 3-year financial purposes because the risk of price fluctuations is too tall in the unexpected term.