Apa itu Investasi dan Kenapa Harus Memiliki Investasi | Belajar Saham - Episode 2

Summary

In this video, Thomas from MNC Sekuritas discusses the importance of investing in the capital market, explaining how investments can help secure financial goals such as buying a house or going on a pilgrimage. He highlights the concept of investment as putting money into assets for long-term profit, with potential risks involved. The video also provides practical tips on budgeting, including a 40-30-20-10 strategy for personal finance allocation: 40% for consumption, 30% for debt repayments, 20% for investments, and 10% for savings. Finally, viewers are encouraged to regularly invest and use the Motion Trade app for ease of investment in stocks and mutual funds.

Takeaways

• 😀 Investment is the act of placing funds in assets like stocks or securities with the aim of gaining profit in the future.
• 😀 Every investment carries potential risks and rewards, meaning there is no guarantee of a return, but the possibility of high risk and high reward exists.
• 😀 It's important not to invest all your savings. Set aside funds for personal needs while allocating a portion for investment.
• 😀 Before investing, you should have a clear goal in mind, such as buying a home, going on pilgrimage, or saving for the future.
• 😀 In 2020, Indonesian households spent 67% of their income on consumption, showing a significant portion of income goes towards daily expenses.
• 😀 Consumption patterns in Indonesia have been increasing over the years, with a 22% rise from 2017 to 2021, highlighting rising living costs.
• 😀 The price of essential goods like rice increased dramatically by 81% between 2010 and 2021, underlining the importance of investing to combat inflation.
• 😀 Simply saving money without investing can lead to its value diminishing over time due to inflation.
• 😀 A suggested budget allocation for personal finances is 40% for consumption, 30% for debt repayment, 20% for investments, and 10% for savings or emergency funds.
• 😀 Consistent and regular investment is essential for long-term financial growth and should be kept separate from savings meant for emergencies.
• 😀 Make sure to avoid mixing emergency funds with investment funds, as they serve different purposes in personal financial planning.

Q & A

What is the definition of investment according to OJK?

According to OJK (Otoritas Jasa Keuangan), investment is the act of placing capital with the intention of earning profits over time, such as by purchasing stocks or securities. The aim is to generate future returns, although the risk involved means there is no guarantee of profit.

Why is investing important in relation to inflation?

Investing is crucial to combat inflation. If you simply save money in a conventional manner, its value may decrease over time due to inflation. Investing helps protect and potentially grow your money, offsetting the negative impact of inflation.

What are the two key aspects of investment discussed in the video?

The two key aspects of investment discussed are the potential for profit and the associated risks. Every investment has both opportunities for gain and the possibility of loss.

What are the general categories of expenses for an average Indonesian household?

According to data from Bank Indonesia, in 2020, the average Indonesian household spent 67% of its income on consumption, 14% on installments (loans), and 18% on savings, with 1% allocated to other expenses.

How has the consumption expenditure changed over time in Indonesia?

Between 2020 and 2021, consumption expenditure in Indonesia increased by 3.17%, rising from an average of 1.2 million IDR per month in 2020 to 1.6 million IDR in 2021. This rise is part of a broader 22% increase in monthly consumption from 2017 to 2021.

How does the price of rice in Indonesia relate to inflation?

The price of rice in Indonesia has increased significantly over the past 11 years, from around 6,700 IDR per kg in 2010 to approximately 12,000 IDR per kg in 2021, a rise of 81%. This price hike reflects the overall inflationary trends in the country.

What is the recommended budget allocation for monthly expenses, according to the video?

The video suggests using the '4-3-2-1' budget allocation method: 40% for consumption, 30% for debt repayments (e.g., mortgages or car loans), 20% for investment, and 10% for savings (emergency fund).

What is the importance of having a separate emergency fund and investment fund?

It is essential to keep emergency funds and investment funds separate because they serve different purposes. Emergency funds are for unexpected expenses, while investment funds are for long-term financial growth. Mixing them could jeopardize your financial stability in case of emergencies.

What should individuals focus on when allocating funds for investment?

Individuals should prioritize allocating a portion of their funds for investment consistently and regularly. Aiming for around 20% of monthly income for investment is ideal, but this can be adjusted according to personal financial goals and needs.

How does the video suggest managing debt in personal finance?

The video advises individuals to manage debt responsibly by allocating 30% of their income for loan repayments. This can include both productive loans, such as a mortgage or car loan, and other liabilities like phone or internet payments.