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Investasi Keuntungan Per Bulan – Previously, regular savings of IDR 3 million per month in Money Market Mutual Fund (RDPU) and Bond Mutual Fund (RDO) were discussed. This time we will discuss regular savings of equal face value in riskier instruments like equity mutual funds (RDS).
RDS is an investment package consisting of dozens of stocks listed and traded on the Indonesia Stock Exchange (IDX). Since materials are stocks whose prices go up and down, RDS is actually riskier than RDPU and RDO. Hence, equity investment funds are suitable for investors with an aggressive risk profile or long-term financial goals of more than 5 years. For example, for the first payment for a house, funds for children’s education, preparing for pension funds.
Investasi Keuntungan Per Bulan
The image above is a chart of one of the Equity Mutual Funds in the Seeds app. If you notice, the movement fluctuated a lot, that is, up and down in 10 years. Although it fluctuates, it tends to increase.
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After looking at the chart above, it’s time to take advantage of the “Time Machine” feature in the Seeds app to see how much you’re about to invest. For example, you regularly save Rp 3 million per month to use for the children’s education fund.
If you regularly save IDR 3 million per month for 10 years, you will get IDR 360 million. However, if you choose a low-risk instrument like RDPU, the results will be different even if you only save IDR 3 million per month. What are the earnings? Check out the picture below!
From the above two figures, you can see that investing in RDS offers higher profit potential than RDPU. But remember, many investors are looking for “secrets” or “tricks” to make big profits in a short period of time. In fact, most investors will never find such a magic solution.
Not as easy as you might imagine. Finding the right time for investment success requires in-depth knowledge and research in reading
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In fact, no one can predict or anticipate the exact and consistent movements of the capital market. In fact, only 5% or 1 in 20 professional investment managers try to buy or sell at the “right time”.
The key to successful investing is simple and even novice investors can do it. The secret is in consistency. Save regularly.
A regular savings strategy or Dollar Cost Averaging (DCA) is a simple method where you invest the same amount every month or every week. The purpose of DCA is to prevent investors from over-investing at “wrong times” at high prices.
You can start saving regularly with as little as IDR 100,000. Regardless of financial situation. This strategy will help you be disciplined to buy more units when the price goes down and reduce when the price goes up. This will make it easier for you to make investment decisions and avoid emotional decisions.
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You don’t have to rush to get rich, because investments take time to show results, up to 10 or 20 years. The investment decisions you make today will have a big impact if you make them regularly and consistently. Now everyone has an opportunity to start investing 100 thousand per month. In fact, transactions for purchase of investment funds can also be done online through the application itself. So, even novice investors who have little capital can invest. However, many people wonder what is the return on investment of 100 thousand per month? Better to save or invest, right?
Similar to saving activities, investing also involves the concept of setting aside a certain amount of money for future returns. However, you can get more optimal returns through investment instruments. Although savings are flexible, you will earn relatively less interest than lower risk investment instruments. Here is a must know comparison.
Usually, people avoid investment risk by putting a portion of their income in a savings account. In fact, saving in a bank can have other risks, you know. The currency may depreciate in the future. Apart from this, you have to bear the administrative charges decided by the bank.
Unlike bank savings, there are various investment products that can future-proof your wealth and ensure optimal returns. You can choose the right product according to your risk profile. If you are still confused about investment risk profile, you can identify it with the following article: Identify Investment Risk Profile Type, Which Type Are You?
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The investment principle has a compounding or interest effect which keeps your property experiencing additional value. Thus, the long-term value of your property will be better aligned with your financial goals. Investors have an opportunity to get more optimal added value in the future by starting to invest regularly from now.
Generally, people who save in government bank accounts earn 3.5% per annum. You can get optimal returns by allocating a portion of your income to suitable investment products. For example, you regularly invest 100 thousand per month for 3 years. The average yield of the top 5 mutual funds in 2022 is 7.6%. If you invest for a period of 3 years and consistently allocate 100k per month in a mixed mutual fund product, you can earn up to IDR 273,600. Thus, your total capital and profit within 3 years is IDR 3,873,600.
In the meantime, you can get an interest rate of less than 5% per annum and incur administrative costs from the bank every month. For example, you regularly save IDR 100,000 per month in a state-owned bank with an administrative fee of IDR 5,500,000 per month and an interest rate of 3.5% per annum. Each month’s administration fee can also go towards savings in your account. Thus, the amount of savings and interest rates minus the administrative fee will amount to IDR 3,510,000 within 3 years.
Based on this comparison, the investment is more profitable, right? Next, what types of investment products are suitable for beginners? For this reason, give recommendations for the right type of production with capital of 100 thousand per month through the following explanation.
Solution: Menghitung Perkembangan Dana Investasi 1
A mutual fund is an investment product that allows investors to invest with affordable capital without requiring special expertise in profit optimization. There are professional investment managers who will manage the mutual fund assets of investors to get better returns and achieve their financial goals. Investors are required to distribute only a portion of the income regularly. In this case, you can apply a dollar cost averaging strategy through the following article: Regular Investment Strategy, What is Dollar Cost Averaging?
So you can invest 100k per month in mutual fund product of your choice. Actually anyone you know can invest from 10k online. In the application, everyone has the opportunity to invest in mutual funds, gold and government bonds (SBN) practically and safely. Don’t worry, it is licensed and supervised by the OJK.
Gold is the safest and most popular investment product among investors. These assets tend to increase in value over time and can hold their value even if the global economy is volatile. For this reason, this property is suitable for novice investors looking to secure long-term wealth.
Easy, you can buy gold online from 10k you know. In the application, everyone has the opportunity to invest in digital and physical gold from 10 thousand. So you can optimize your 100k per month investment return for long term through gold instruments.
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P2P lending is an investment tool with principles of lending and borrowing without online intermediaries banks or other institutions. This P2P lending facility consists of an asset owner (borrower) acting as a borrower for MSME actors in need of capital and an asset borrower (borrower) presenting a business loan. Borrowers can also apply for business, education or healthcare loans.
A fund owner can support MSME artists from 100 thousand, you know. This principle of P2P lending has special standards for lending with interest rates for fund owners. So, you can optimize the allocation of 100 thousand investment funds per month in this instrument. However, you must choose a P2P lending service provider that is supervised by the OJK.
Stocks are equity participations that allow investors to claim ownership of a company’s open operations. To invest in this instrument, you can also start with 100 thousand capital every month. However, this investment product carries a high level of risk, so investors must have a thorough understanding of the capital market.
Investors need to have special skills and abilities to get optimum returns. In this case, you need to identify stock products with good fundamentals and allow you to invest from 100 thousand. This way you can get optimum returns.
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Based on the above explanation, you can optimize your profit by investing 100k per month. A regular fund allocation with a dollar cost averaging strategy can give you optimal returns in the future. If you compare ordinary savings in a bank account with investments, you will get different benefits. If you just want to save money, you can save in a bank. However, you have the opportunity to optimize by allocating the pooled funds in your preferred investment vehicle.
Now you can start investing 100k per month in app through mutual fund or gold products. There is an online application for the provision of investment services licensed and supervised by the OJK. Hence, your investment activities can be more convenient and secure. Click here to download the application form. Most of us, of course, already know that saving is important. However, no