7 Investasi Terbaik Untuk Pemula (2024)

Summary

This video provides beginner-friendly investment advice, focusing on seven investment options with low initial capital requirements. It covers a range of instruments, from paying off debt and money market funds to stocks, crypto, and gold. Emphasizing discipline, risk management, and consistency, the video guides viewers to start small, diversify, and build long-term success. The host also discusses practical tools and platforms, including digital banks and investment apps, to help beginners maximize their returns while managing risks effectively.

Takeaways

• 😀 Pay off high-interest debts before starting to invest to prevent losing money to interest charges.
• 😀 Start with low-risk investments like Money Market Funds (RDPU) or Fixed Income Funds (RDPT) for steady, reliable returns.
• 😀 Learn the basics of each investment type thoroughly to understand its risks and rewards before investing.
• 😀 Consider diversifying your investments to minimize risks and ensure a balanced portfolio.
• 😀 Cryptocurrency can offer high returns, but it's volatile and should be approached with caution, especially for beginners.
• 😀 Digital banks like Chrome or Superbank offer attractive interest rates, but be mindful that deposits above LPS insurance limits come with added risk.
• 😀 Invest in blue-chip stocks like major banks (e.g., BCA or Mandiri) for consistent long-term growth and dividends.
• 😀 ETFs (Exchange-Traded Funds) that track major indices like the S&P 500 (SPY) or NASDAQ 100 (QQQ) provide global exposure and strong historical returns.
• 😀 Gold remains a stable investment, particularly in times of market uncertainty, with a long-term upward trend in value.
• 😀 Business investments on platforms like Bshare allow you to invest in small businesses, gaining access to their financial data and growing your portfolio from smaller amounts.
• 😀 Success in investing is built on consistency and discipline, not quick profits. Stay committed and focus on long-term growth.

Q & A

What should be your first priority before starting any investment?

Your first priority should be paying off any outstanding debt. The interest rates on debts, especially from sources like credit cards or payday loans, can be as high as 35% per year. Paying off debt is like making a guaranteed return of 21% to 35% annually.

What are the two types of mutual funds recommended for beginners in the script?

The two recommended mutual funds are: 1) Money Market Mutual Fund (RDPU), which is a low-risk, low-return option offering around 4-5% annual returns. 2) Fixed Income Mutual Fund (RDPT), which invests in government and corporate bonds, providing slightly higher returns of around 6-7% annually.

What is the importance of knowing the underlying assets of a mutual fund?

It is crucial to understand the composition of the mutual fund to assess its risk. For example, mutual funds containing government bonds are generally safer than those with corporate bonds, which can carry a higher risk of default.

What is 'Alpha' in the context of mutual fund investing?

'Alpha' refers to achieving higher returns than expected from the market or achieving the same returns with lower risk. One way to maximize 'Alpha' is by utilizing promotions or deals, such as the extra 3% return offered by the Makmur platform for new users.

What is the risk level associated with cryptocurrency investments?

Cryptocurrency investments, particularly in Bitcoin, are highly volatile and risky, with the potential for large losses. However, Bitcoin is considered relatively safer compared to other altcoins like Ethereum or Solana, though it is still considered a high-risk investment.

Why does the script recommend using USDT (Tether) for buying cryptocurrencies?

The script suggests using USDT (Tether) for buying cryptocurrencies because the spread between the bid and ask prices for USDT is much smaller than for direct transactions in Indonesian Rupiah, making it a more cost-effective option for trading.

How does the script explain the concept of bank digital interest rates?

Digital banks can offer attractive interest rates on savings accounts and deposits, but there is a risk that these rates may not be covered by the Indonesia Deposit Insurance Corporation (LPS) if they exceed a certain threshold (4.25%). It's important to choose a bank that ensures protection by LPS.

Why does the script recommend investing in the banking sector for beginners?

Investing in the banking sector is recommended because banks like BCA and Mandiri have shown consistent performance over the years, with steady returns ranging from 14% to 29% annually. Additionally, these banks offer dividends, providing an additional income stream for investors.

What are ETFs like SPY and QQQ, and why are they suggested for beginners?

ETFs (Exchange-Traded Funds) like SPY and QQQ allow investors to invest in a basket of stocks, such as the S&P 500 or Nasdaq-100. They are ideal for beginners as they offer exposure to large, stable companies without the need to pick individual stocks. These ETFs also benefit from the long-term growth of the U.S. economy.

What is the role of gold in investment, according to the script?

Gold is considered a safe-haven asset that tends to perform well during market instability. Historically, gold has provided stable returns over the long term, making it a valuable asset for risk-averse investors looking for security in their portfolios.