Reksadana Pasar Uang vs Reksadana Obligasi vs Saham, Lebih Untung Mana?

Summary

In this video, the presenter discusses three investment instruments: money market mutual funds, bond mutual funds, and stocks, comparing their potential returns over a 5-year period with a regular monthly investment of IDR 1 million. The presenter explains the calculation process using the Bibit app, illustrating the expected results for each instrument. They emphasize the importance of choosing investments that match your risk tolerance and time horizon, especially for short-term goals. The video also highlights the benefits of investing in low-risk options like money market funds for those with limited investment knowledge or a short-term financial goal.

Takeaways

• 😀 Investing can be confusing due to the many available instruments such as deposits, bonds, mutual funds, and stocks.
• 😀 Regular monthly savings in different investment instruments (money market mutual funds, bond funds, and stocks) can help achieve financial goals over time.
• 😀 For a 5-year investment with a monthly allocation of 1 million IDR, investing in money market mutual funds can yield around 12.38% return.
• 😀 Investing in bond mutual funds could yield a higher return of around 17.33% over the same period of 5 years.
• 😀 Stock investments, particularly in BRI stocks, can offer significant returns, with 43.87% profit estimated over 5 years using a dollar-cost averaging strategy.
• 😀 A strategy like 'Paham Saham' for buying stocks can lead to higher returns (up to 49%) due to reinvesting dividends and adjusting for stock averages.
• 😀 The future performance of investments cannot be guaranteed based on past performance; the market can behave unpredictably.
• 😀 The choice of investment manager and specific stocks can significantly influence returns, whether high or low.
• 😀 Longer investment durations tend to maximize returns due to compounding effects, making long-term investments more effective.
• 😀 It’s essential to align your investments with your risk profile, especially if you have short-term financial goals (e.g., 15 months), where low-risk investments such as money market funds are recommended.

Q & A

What are the three investment instruments compared in the video?

The three investment instruments compared in the video are Money Market Funds (Reksa Dana Pasar Uang), Bond Funds (Reksa Dana Obligasi), and Stocks.

What is the estimated return on a monthly investment of IDR 1,000,000 in Money Market Funds over 5 years?

The estimated return on a monthly investment of IDR 1,000,000 in Money Market Funds over 5 years is 12.38%, with a total value of approximately IDR 67,400,000.

How does the return on Bond Funds compare to Money Market Funds over 5 years?

Bond Funds offer a higher return compared to Money Market Funds. The estimated return on Bond Funds is 17.33%, with a total value of approximately IDR 70,400,000 after 5 years.

What is the expected return on investing in stocks (such as BRI shares) with a monthly contribution of IDR 1,000,000 over 5 years?

The expected return on investing in stocks (such as BRI shares) with a monthly contribution of IDR 1,000,000 over 5 years is 43.87%, with a total value of approximately IDR 86,320,000.

Why are stocks considered high-risk investments?

Stocks are considered high-risk investments because their value can fluctuate significantly, especially during market downturns, leading to higher potential for both gain and loss.

What is the concept of Dollar Cost Averaging (DCA) mentioned in the video?

Dollar Cost Averaging (DCA) is an investment strategy where a fixed amount of money is invested at regular intervals, regardless of market conditions, to minimize the impact of volatility.

What are the main differences in volatility between Money Market Funds, Bond Funds, and Stocks?

Money Market Funds are the least volatile, with consistent growth. Bond Funds have some volatility but are generally low-risk. Stocks are highly volatile, with significant fluctuations in value, especially during market downturns.

How does compounding affect the long-term return on investment?

Compounding allows your investment to grow faster over time by reinvesting the returns you earn, increasing the potential value of your investment, especially over long periods.

What are the risks of investing in stocks if you need to access the funds in a short period (e.g., 15 months)?

If you need to access your funds in a short period, investing in stocks can be risky because the market may experience downturns, leading to potential losses. It’s advised to choose low-risk investments like Money Market Funds for short-term goals.

Why are Money Market Funds recommended for short-term investments like a 15-month period?

Money Market Funds are recommended for short-term investments because they are low-risk and provide stable, predictable returns, which is crucial if you need the funds within a short time frame.