Cara Gue Dapet Puluhan Juta/Bulan Dari Passive Income

Summary

In this video, the speaker shares seven different types of passive income, focusing on strategies such as bank savings, mutual funds, U.S. stocks, property investment, and a successful office rental business. They emphasize the importance of diversification and investing during market downturns. The speaker also highlights the benefits of investing in stable bond funds, high-potential real estate areas, and U.S. stock indexes. Throughout, they stress the value of understanding risks and taking a long-term approach to investing, aiming to create a sustainable passive income stream with minimal effort.

Takeaways

• 😀 Passive income comes in two forms: one purchased with money, and the other acquired by investing time.
• 😀 Bank interest can provide passive income, with savings offering 5% interest and deposits offering 7%—subject to a 20% tax on the interest earned.
• 😀 Investing in stock mutual funds during market downturns can result in high returns (28-35%) over two years, but the performance can vary.
• 😀 Fixed income mutual funds offer more stability, with some funds returning 2-6% over the past year, and no 20% tax on the returns like in bank interest.
• 😀 U.S. stocks, particularly during price drops, present opportunities to buy undervalued assets, with companies like Google, Microsoft, and Amazon seeing substantial price reductions.
• 😀 Diversifying investments across different U.S. stock indices (like S&P 500 and Nasdaq 100) can benefit from both stock recovery and currency strength over time.
• 😀 Real estate investments, especially in strategically located areas like Pantai Indah Kapuk, provide long-term gains, particularly when others are panicking or uncertain.
• 😀 Investing in property during uncertain times can lead to significant returns, especially if the location has potential for growth in the future.
• 😀 Business investments, like leasing office spaces through platforms like CBD.com, can generate substantial passive income when set up with an efficient management team.
• 😀 Diversification is key to reducing risk—investing in multiple assets, institutions, and sectors ensures protection from unforeseen events like financial crises.

Q & A

What are the two main types of passive income mentioned in the script?

The two main types of passive income mentioned are: 1) Passive income bought with money (e.g., interest from savings or investments) and 2) Passive income acquired with time (e.g., creating content, building a business).

How does the speaker earn passive income from the bank?

The speaker earns passive income from the bank through two methods: savings with interest (5% return) and fixed deposits (7% return, with a 20% tax).

What is the net interest rate after tax for the bank's fixed deposit?

The net interest rate after tax for the fixed deposit is 5.6%, since the 7% interest is taxed at 20%.

Which type of investment does the speaker prefer when the market crashes?

The speaker prefers investing in mutual funds, particularly stock-based mutual funds, when the market is down, as they believe it presents opportunities for high returns.

What has been the return rate on the speaker’s stock mutual funds over the past two years?

The return rate on the speaker's stock mutual funds has been between 28% and 35% over the past two years, with a notable improvement during market crashes.

How does the speaker diversify their investments in mutual funds?

The speaker diversifies their investments by spreading their capital across multiple stock mutual funds and bond funds to minimize risk.

What is the performance of the speaker's bond mutual funds?

The bond mutual funds have delivered returns between 2.8% and 6.3% over the past year, with the best performer being Sukolimited Stable Fund.

What is the speaker's strategy for investing in U.S. stocks?

The speaker is migrating their investments from Indonesian stock mutual funds to U.S. stocks, particularly because they believe U.S. stocks are undervalued and are currently 'on sale' due to price drops.

How does the speaker assess the potential of U.S. stocks like Disney, Google, and Amazon?

The speaker compares analyst forecasts and looks at how much these stocks are discounted, for example, Google is down 36%, Microsoft 25%, and Amazon 48%, which makes them attractive for investment.

Why does the speaker recommend diversifying investments across multiple platforms and institutions?

The speaker recommends diversification to reduce risk, as no investment is 100% secure, and relying on one platform or institution can lead to potential losses, especially in the event of platform failure.