Kenapa Sih Kita Harus Berinvestasi?

Summary

In this engaging discussion, the speaker underscores the critical need for investment to combat the declining purchasing power of money over time. Using relatable examples, they highlight how basic costs have risen, urging viewers to take action. The speaker outlines six options for storing money, classifying celengan ayam and bank savings as non-investments due to minimal returns, while recognizing time deposits, bonds, mutual funds, and stocks as valid investment choices with significant growth potential. By promoting the Ajaib Sekuritas app, the speaker encourages individuals to start investing, emphasizing that understanding investment concepts is essential for financial security.

Takeaways

• 😀 Investing is essential to protect against inflation, which erodes the purchasing power of money over time.
• 😀 Many people hesitate to invest because they do not understand its benefits and how it works.
• 😀 Storing money in a piggy bank results in 0% returns and does not qualify as an investment.
• 😀 Bank savings typically offer low interest rates that can be overshadowed by administrative fees, leading to a loss of money over time.
• 😀 Fixed deposits provide better returns (up to 4%) compared to regular savings accounts, making them a viable investment option.
• 😀 Bonds allow investors to lend money to governments or corporations at higher interest rates (around 6%), contributing to portfolio growth.
• 😀 Mutual funds (reksadana) can yield significant returns (about 10% annually) by allowing managers to invest your money in various assets.
• 😀 Stocks offer higher potential returns, averaging around 10-12% annually, but require careful selection and understanding.
• 😀 Only deposits, bonds, mutual funds, and stocks are considered true investments, as they have the potential for growth over time.
• 😀 Investing is crucial for financial independence and should be prioritized alongside earning income, especially for long-term wealth building.

Q & A

Why is investing important according to the speaker?

Investing is important because it helps preserve and grow the value of money over time, especially in the face of inflation, which reduces purchasing power.

What are some examples of how inflation affects daily expenses?

The speaker provides examples such as the increasing cost of public transport and movie tickets, illustrating that prices rise over time, thereby decreasing the value of money.

What is the return on investment for keeping money in a piggy bank?

Keeping money in a piggy bank results in a 0% return over five years, meaning the amount remains unchanged.

How do bank savings accounts perform in terms of returns?

Bank savings accounts typically offer a very low interest rate of around 0.64% per year, and when accounting for monthly fees, the total balance may actually decrease over time.

What are the characteristics of a time deposit?

A time deposit involves locking money in a bank for a specific term, usually offering higher interest rates, with the speaker using a 4% annual rate as an example, resulting in a total of 2.34 million rupiah after five years.

How do bonds compare to time deposits in terms of returns?

Bonds typically offer higher returns than time deposits, with the speaker citing a 6% annual return, leading to approximately 2.6 million rupiah after five years.

What is a mutual fund and how does it work?

A mutual fund pools money from various investors and is managed by investment professionals who invest the funds in different assets, aiming for higher returns, often around 10% per year.

What is the historical average return of stocks over the past 23 years?

The historical average return of stocks over the past 23 years is about 10.6% per year, with the speaker using 12% as a high estimate for calculations.

What investments does the speaker personally prefer?

The speaker prefers investing in mutual funds and stocks for potentially higher returns, while being cautious about time deposits and bonds.

What platform does the speaker recommend for investing in stocks?

The speaker recommends using Ajaib Sekuritas, which allows users to buy stocks easily through its app and website, emphasizing its safety and ease of use.