Cara Dapet Rp10 MILIAR PERTAMA

Summary

In this video, the speaker discusses strategies for building wealth, focusing on the importance of both active income and smart investments. They emphasize the significance of diversification in one's portfolio, whether in stocks, crypto, or bonds. The speaker introduces concepts like risk parity and risk budgeting, offering 15 different portfolio strategies, including those for different risk tolerances. Through personal examples and investment insights, they explore how one can achieve substantial returns and protect their wealth during market crashes. They stress the importance of continuous learning, research, and portfolio rebalancing to optimize financial growth.

Takeaways

• 😀 Diversification is important for portfolio management, but there's no specific guide on how to allocate across instruments, especially during market crashes.
• 😀 Building wealth comes down to two primary methods: active income and investments. Many successful people focus on active income, but combining both methods can maximize wealth growth.
• 😀 Targeting returns too high (e.g., 50-100% annually) comes with higher risks, which can lead to significant losses. A more realistic goal is aiming for 6-15% returns.
• 😀 Successful portfolio growth often requires both dedication to active income (business or career) and strategic investment choices.
• 😀 Compounding returns is crucial for growing wealth, and achieving 10% annual returns can significantly increase your investment over time.
• 😀 When building a portfolio, it's essential to assess your risk tolerance and match it with the appropriate financial instruments (e.g., stocks, bonds, crypto).
• 😀 It’s important to focus on finding 'alpha' in investments, which means identifying higher returns for the same level of risk or the same returns for lower risk.
• 😀 The investment instruments to consider include bonds, stocks, crypto, and specific funds. Different instruments offer different risk-return profiles, and finding the right balance is key.
• 😀 Risk parity and risk budgeting are two strategies that involve allocating portfolio weight based on the level of risk each asset carries. This helps balance risk across the portfolio.
• 😀 Rebalancing your portfolio periodically ensures that the risk and return allocations stay aligned with your goals, especially during market fluctuations.

Q & A

What are the two main ways to build wealth as discussed in the script?

The two main ways to build wealth are through active income and investment. Active income comes from work or business, while investment relies on making money from assets over time.

What is the ideal annual return for people focused on active income, according to the script?

For those focused on active income, the ideal annual return is between 6% to 15%. This is considered a safe and realistic target to preserve wealth.

Why is it dangerous to aim for returns higher than 15% per year in investment?

Aiming for returns higher than 15% per year increases risk significantly. You might experience losses of up to 80-90%, which is a high risk for those focusing on wealth preservation.

What is the 'benchmark' approach to investing discussed in the video?

The 'benchmark' approach refers to comparing investments with standard, commonly used investment options like the S&P 500, to identify assets that provide higher returns for the same level of risk.

What does 'Alpha' mean in the context of investment?

Alpha refers to the ability to generate higher returns than the market or similar investments, for the same level of risk. It represents outperforming the average market return.

How did the speaker achieve high returns in 2022 and 2023?

The speaker achieved high returns in 2022 by investing in U.S. stocks, in 2023 by investing in Bitcoin, and in 2024 by focusing on Indonesian stocks, resulting in returns above 40-50% annually.

What are the two primary portfolio strategies mentioned in the script?

The two primary portfolio strategies mentioned are 'risk parity' (dividing the portfolio evenly by risk) and 'risk budgeting' (focusing a large portion of the risk in one asset while diversifying the rest).

How does the speaker suggest handling market crashes?

During market crashes, the speaker suggests rebalancing the portfolio by buying the dips in undervalued assets, ensuring that the portfolio stays in line with the desired risk levels.

What is the difference between 'risk parity' and 'risk budgeting'?

'Risk parity' divides the portfolio evenly by risk across multiple assets, while 'risk budgeting' allocates a larger portion of the risk to a single asset that is believed to offer the highest potential return.

Why does the speaker not recommend investing all in S&P 500 or similar assets?

The speaker does not recommend investing all in S&P 500 or similar assets because, while they are relatively safe, their returns may not be high enough compared to more volatile but potentially more profitable options like Bitcoin or Ethereum, especially for those aiming for faster wealth growth.