Cara Dapet 1 Miliar Di CRYPTO vs SAHAM INDO vs SAHAM US (Dengan Gaji UMR)

Summary

In this video, the speaker shares strategies for achieving a first billion with small investments, emphasizing the importance of understanding three key variables: return rates, investment duration, and monthly savings. The speaker provides examples of achievable returns from stocks and crypto, highlighting Indonesian and U.S. companies like BCA, McDonald's, and Apple. A focus is placed on consistent saving, side hustles, and the potential of tech stocks and crypto like Bitcoin. The video also stresses the significance of assessing risks, timing, and the power of compound returns for long-term financial success.

Takeaways

• 😀 Invest with a small capital can still lead to significant wealth if done strategically and consistently.
• 😀 To reach your first billion, you need to focus on three variables: return percentage, investment duration, and monthly contributions.
• 😀 The formula for future value can help you estimate how long it will take to reach your financial goals, with examples provided for monthly investments of different amounts.
• 😀 To speed up reaching your financial goals, you can increase either the return percentage or the amount you invest monthly.
• 😀 It's important to work hard, especially in the early years, to increase your income and skills, which will help you achieve financial freedom in the future.
• 😀 Understanding your financial goals in numeric terms (e.g., how much you need to save and invest) will help you make better investment decisions.
• 😀 Stocks with a solid performance, such as BCA and BRI, can yield returns of 11% to 15% per year over the long term, making them a good investment option for many people.
• 😀 In the U.S. stock market, there are many more investment opportunities than in Indonesia, including well-known companies like McDonald's, Amazon, and Apple.
• 😀 For higher returns (potentially up to 15% annually), investing in American tech stocks, such as Apple, Google, and Microsoft, may offer substantial growth over time.
• 😀 Cryptocurrencies, particularly Bitcoin and Ethereum, have seen significant returns in recent years, but they come with higher risks and more volatility compared to stocks.
• 😀 Multibagger returns, particularly in the stock market, require skill and deep understanding, whether in U.S. stocks, Indonesian stocks, or the crypto market. Identifying undervalued stocks or sectors with growth potential is key.

Q & A

How can someone with a low salary start building wealth and reach 1 billion IDR?

To reach 1 billion IDR, one can start by investing small amounts consistently. The key factors to consider are the annual return on investment, the investment period, and the monthly allocation. By investing a fixed amount per month and achieving reasonable returns, wealth can accumulate over time. It's important to increase your monthly savings and aim for higher returns for quicker growth.

What are the three essential variables in the 'future value' formula for wealth accumulation?

The three variables in the future value formula are: 1) the annual return rate (percentage), 2) the duration of the investment, and 3) the monthly investment amount. Understanding these factors helps calculate how much wealth can be accumulated over time.

What is the role of return rates in achieving wealth faster?

Higher return rates play a crucial role in achieving wealth faster. For instance, if the return rate is 15% instead of 11%, you can reach 1 billion IDR in 15 years instead of 18 years. If you can achieve higher returns or 'multibagger' gains, you can significantly reduce the time required to reach your goal.

How does increasing the monthly savings affect the time to reach 1 billion IDR?

Increasing the monthly savings can shorten the time required to reach 1 billion IDR. For example, if you increase your monthly savings from 1.5 million IDR to 3 million IDR, you could reach 1 billion IDR in 13 years, compared to 18 years with a lower monthly contribution.

What is the benefit of diversifying investments into stocks, bonds, and crypto?

Diversification helps spread risk across different investment types. By investing in stocks, bonds, and crypto, you can balance the potential for high returns with the relative safety of stable investments. Stocks, particularly in companies with good fundamentals, often provide long-term growth, while crypto can offer high-risk, high-reward opportunities.

What are some examples of stocks that can potentially provide 11-15% returns annually?

Examples of stocks that have historically provided strong returns include BCA, BRI, and Mandiri. These companies have shown growth in profits and revenue, with their stock prices reflecting the overall performance. In particular, BCA has seen a 70% increase over the last five years, demonstrating consistent growth.

Why are U.S. stocks considered a good option for Indonesian investors?

U.S. stocks offer more opportunities and have a wider variety of high-quality companies to choose from, such as Amazon, Google, Apple, and McDonald's. Additionally, investing in U.S. stocks allows investors to potentially benefit from the appreciation of the U.S. dollar against the Indonesian rupiah, offering diversification and increased growth opportunities.

What are some advantages and risks of investing in tech stocks?

Tech stocks can offer high returns, as companies like Apple, Google, and Amazon have seen significant growth over the years. However, they are also more volatile and risky, especially in the short term. Tech stocks may experience large price swings, so investors should be prepared for potential fluctuations.

What is asymmetric investing, and how does it apply to Bitcoin and crypto?

Asymmetric investing refers to situations where the potential upside of an investment significantly outweighs the downside. In the case of Bitcoin, for example, if you invest with a 75% chance of a significant gain and only a 25% chance of a loss, the potential return is much higher than the risk. This strategy is applicable in markets like crypto, where significant upside potential exists, despite the high volatility.

How does the crypto market differ from traditional stock markets in terms of predictability?

The crypto market is generally less predictable than traditional stock markets. While stocks like BCA or Apple have decades of history to analyze, cryptocurrencies like Bitcoin and Ethereum are relatively new and their price movements are influenced by a wider range of factors. This makes predicting their future performance more challenging.