Jumat, 29 Mei 2015

Investment: Which one is suitable for you?

There are many investment products that are interesting to join. But, which product is really suitable for you?


  • Not limited by time and place. You can save and withdraw anytime and anywhere.
  • The money is safe and it gets an interest.
  • The amount needed for setting up a saving account is relatively small.
  • Suitable for daily investment or short term investment.


  • Relatively limited. You can use one deposit for one account and withdraw it on a particular date.
  • The fund is safe and it gets a higher interest rate.
  • The amount for deposit is relatively bigger.
  • Suitable for long term investment or pension fund.

Foreign Currency

  • Not limited by time and place. You can purchase foreign currencies and sell them anytime.
  • Can be placed in savings or deposit with an interesting interest rate.
  • Give an opportunity to gain higher profit if purchased when rupiah value is low and sold when it is high.
  • The value tends to fluctuate since Indonesia applies !!system devisa bebas!!.
  • Suitable for profit seekers and those who deal with foreign business partners.


  • Not limited by time and place. You can purchase and sell it anytime.
  • Can be used for accessories.
  • The value is relatively stable.
  • Does not get an interest even kept for years.
  • The weight can decrease because of scratches.
  • Cannot be used for daily transaction.
  • Suitable for conventional people or those who do not deal with the bank.

Property (Land and Building)

  • Can be purchased or sold anytime, depending on cash ability.
  • Relatively safe unless there is fire or disasters.
  • Selling price tends to increase, especially in times of inflation.
  • Has to posess lots of money to buy them.
  • Difficult to sell if buying power decreases.
  • Suitable for those who have additional funds.


  • Limited by place (officially). Has to be done in Stock Exhange buildings.
  • Can be transacted periodically or just once.
  • Give the chance to get lots of profit.
  • The value fluctuates depending on market sentiments.
  • The risk is high and you must be prepared to lose a great deal of money.
  • Suitable for those who like to take risks.

Reksadana (Mutual Funds)

  • The combination of savings, stock and obligation with minimized risk.
  • Limited by place (officially). Has to be purchased or sold in a particular place.
  • Can be transacted periodically or just once.
  • Give the chance to get lots of profit, though not as big as profit from stock.
  • Suitable for investors who want to get big results with low risks.

How to Make an Investment Plan

Making an investment plan involves more than just choosing a few stocks to put money in. You have to consider your current financial situation and your goals. It’s also important to define your timeline and how much risk you’re willing to take on in order to determine your optimal asset allocation. Read on for a step-by-step guide on how to make an investment plan.

Step One: Assess Your Current Situation

The first step in making an investment plan for the future is to define your present financial situation. You need to figure out how much money you have to invest. You can do this by making a budget to evaluate your monthly disposable income after expenses and emergency savings. This will allow you to determine how much you can reasonably afford to invest.
It’s also important to consider how accessible, or liquid, you need your investments to be. If you might need to cash in on your investment quickly, you would want to invest in more liquid assets, like stocks, rather than in something like real estate.

Step Two: Define Your Goals

The next step in making an investment plan is to define your goals. Why are you investing? What are you hoping to earn money for? This can be anything from buying a car in a few years to retiring comfortably many years down the road.
You must also define your goal timeline, or time horizon. How quickly do you want to make money from your investments? Do you want to see quick growth, or are you interested in seeing investment growth over time?
All of your goals can be summed up in three main categories: safety, income and growth. Safety is when you are looking to maintain your current level of wealth, income is when you want investments to provide active income to live off of and growth is when you want to build wealth over the long term. You can determine the best investment path for you based on which of these three categories your goals fall into.

Step Three: Determine Your Risk Tolerance

The next step in crafting your investment plan is to decide how much risk you are willing to take. Generally speaking, the younger you are, the more risk you can take, since your portfolio has time to recover from any losses. If you are older, you should seek less risky investments and instead invest more money upfront to spur growth.
Additionally, riskier investments have the potential for significant returns – but also major losses. Taking a chance on an undervalued stock or piece of land could prove fruitful, or you could lose your investment. If you are looking to build wealth over years, you may want to choose a safer investment path.

Step Four: Decide What to Invest In

The final step is to decide where to invest. There are many different accounts you can use for your investments. Your budget, goals and risk tolerance will help guide you towards the right types of investment for you. Consider securities like stocks, bonds and mutual funds, long-term options like 401(k) plans and IRAs, bank savings accounts or CDs, and 529 plans for education savings. You can even invest in real estate, art and other physical items.
Wherever you device to invest, make sure to diversify your portfolio. You don’t want to put all of your money into stocks and risk losing everything if the stock market crashes, for example. It’s best to allocate your assets to a few different investment types that fit in with your goals and risk tolerance in order to maximize your growth and stability.
Once you reach this step in the process, it may be appropriate to find a financial advisor. An advisor can help you determine the best ways to invest your money based on your current financial situation and goals.

Step Five: Monitor Your Investments

Once you have made your investments, it’s not wise to just leave them alone. Every so often, you should check in to see how your investments are performing and decide if you need to rebalance. Maybe you aren’t putting enough money into your investments monthly and you aren’t on track to reach your goals, or maybe you’re depositing more than you need to and you’re ahead of schedule. Maybe you want to move your money to a more stable investment as you get closer to achieving your long-term goals, or maybe your investments are performing well and you want to take on even more risk to reach your goals sooner.
It’s important to go through the assessment steps that you followed to create your plan every few years to ensure everything is going according to plan. You should make any changes or adjustments necessary to continue working towards your goals.
Source: https://smartasset.com/investing/how-to-make-an-investment-plan

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