What is the importance of investing in today?
What is the importance of investing in today? Hey guys, have you ever imagined or even made plans for the future, for example, if you want to have your own house, want to have this car, you want to go on vacation around the world or continue your education abroad, can the younger generation get it at what age? Yes , about the money collected Hm Okay,
we save every month and save on spending but I'm sure in the future the price of goods will still be the same Try to remember when I was a child, I used to eat meatballs, ice cream, drinks, bottles of instant P. How much did it cost around 2010 the price of noodles instant a pack is 1100 rupiah Well now 10 years later the price is 2600 rupiah How can it go up more than double Hi this price increase is called inflation,
the price of goods continues to rise so that the value of money decreases and of course this affects the value of your savings, for example you save in a bank with an average interest rate of 1.74 p percent per year but in the last 10 years there has been inflation with an average of 4.5 Eight percent so your money is even deducted by 2.8 4%, you lose it later ,
the goods you want to buy have also gone up, all prices have gone up. What if you only rely on saving all your plans at the beginning can only be wishful thinking but don't be afraid of inflation because the solution is simple, namely by investing. Hi investment is an effort to manage funds to generate long-term profits. but still profitable is investing in the capital market, there are several capital market products that you need to know, such as bond stocks and mutual funds.
What's the difference? Stocks are proof of ownership of a company. income and The wealth of stock investments has advantages in the form of capital gains, namely profits obtained when the selling price of shares is higher than the purchase price and dividends, namely the profit share to shareholders based on the number of shares owned,
while the risk of stock investment can be in the form of capital loss, namely losses due to the selling price of shares more lower than the purchase price and the risk of liquidation, namely the company owned is declared bankrupt, the opening of a stock account is carried out through a securities company with a minimum initial deposit or deposit of IDR 100,000 .
The second capital market product is bonds, bonds are medium or long term debt securities that can be transferred. This letter contains a promise from the issuer to the bond buyer to pay the shop's debt at a predetermined time accompanied by periodic interest payments, the bond investment is the principal value which is always fixed and a coupon is given as the fee paid by the issuer, the coupon exchange rate is the interest rate of the bond.
Meanwhile, bond investment risk is liquidity risk, namely the risk that an asset takes an uncertain time to be converted into cash and default risk, namely the inability of the issuer to pay interest or pay off debts when they are due You can buy bonds through banks, securities companies and other institutions appointed as bond selling agents. Currently, there are many government bond products for retail investors with a minimum purchase of only Rp. 1000000 and in general the maximum purchase is three billion rupiah. This product is far more affordable than bonds issued by companies which in general the minimum purchase is 10 billion rupiah.
The third capital market product is mutual funds. Mutual funds are a place to raise funds from the investor community for there are several types of mutual funds, namely money market funds, fixed income mutual funds, mixed mutual funds and stock mutual funds ,
the advantage of mutual fund investment is the increase in net asset value or nabi2, the value that describes the total net worth of the mutual fund every day, while the investment risk in Our dhamma is the possibility of a decrease in the risk of default, buying mutual funds can be done through an investment manager company or mutual fund selling agent with a minimum purchase that varies, some even being only Rp. 10,000.
Of course, all investments have advantages and disadvantages, but about the benefits, it has been proven that investing in the long-term capital market is more profitable, guys, outside of fixed income from work, you can get passive income through regular investments. Try to start investing from the start, there must be at least one life plan for us.
u that has materialized but that's okay How come it's never too late to start something now, guys, it's time to start setting aside your pocket money at least Rp. 100000 per month to start. Bands give it easy, right, it turns out that investing in the capital market is simple but powerful . Let's start investing now,