INVESTASI BISA DIBAWA TIDUR RUMUS TIMOTY RONALD !!!!

Summary

Alexander, a mining worker from Bali now living in Australia, shares his investment journey, including his aggressive crypto portfolio and focus on Indonesian stocks. He seeks financial freedom and is exploring strategies to improve his portfolio. After discussing his risk tolerance and asset allocation, the advisor suggests a more diversified global portfolio using passive ETFs like VTI, VEA, and VWO, while limiting crypto exposure to 10-20%. The importance of consistent savings, DCA, and rebalancing is emphasized, alongside a focus on long-term growth for achieving financial independence.

Takeaways

• 😀 Alexander and his wife, both work in mining, with a monthly combined income of around 13,352 AUD, which allows them to save 6,000-7,000 AUD per month.
• 😀 Alexander has a crypto portfolio worth 42,573 AUD, with 98.32% allocated to Bitcoin, 1.61% to Ethereum, and 0.07% to Chainlink.
• 😀 Alexander's Indonesian stock portfolio amounts to 384 million IDR, invested in four stocks: Pani, Mine, and BRI.
• 😀 The couple has no debts other than a mortgage of 386,827 AUD. Alexander's banking balance is about 42,324 AUD.
• 😀 Alexander is seeking to maximize his investment growth and achieve financial freedom, focusing on both crypto and stocks.
• 😀 Alexander prefers an aggressive investment strategy, even though he acknowledges not being a professional investor.
• 😀 The suggestion from the advisor is to focus on a beta strategy for the couple, as they aren't full-time investors and should avoid seeking alpha.
• 😀 The advisor recommends diversifying their stock portfolio internationally rather than focusing solely on Indonesian stocks, given their small global market share.
• 😀 A pure beta portfolio strategy is proposed, with allocations such as 42% in the US stock market (VTI), 24% in international stocks (VEA), and smaller portions in emerging markets and small-cap value stocks.
• 😀 For crypto, the advisor suggests allocating 10-20% of the portfolio to Bitcoin, given its high volatility, while maintaining an 80-20 split between stocks and crypto for a balanced approach.

Q & A

What is Alexander's financial goal?

Alexander's ultimate financial goal is to achieve financial freedom.

What is Alexander's current investment strategy in crypto?

Alexander's crypto portfolio consists mainly of Bitcoin (98.32%), with small portions in Ethereum (1.61%) and Chain Weight (0.07%).

What is the current monthly income of Alexander and his wife?

Their combined monthly income is approximately 13,352 Australian dollars, or around 133 to 135 million Indonesian Rupiah.

How much does Alexander save each month?

Alexander saves about 50% of his income each month, which amounts to roughly 6,000 AUD or 60 to 70 million IDR.

What is Alexander's current mortgage debt?

Alexander's mortgage debt is 386,827 AUD.

What type of investor is Alexander aiming to be?

Alexander is aiming to be an aggressive investor, but he recognizes that he lacks the skills to consistently find 'alpha' opportunities, so he sometimes copies strategies from others who have found success.

What does the advisor suggest for Alexander's stock portfolio?

The advisor suggests reducing Alexander's exposure to Indonesian stocks, recommending a more global and diversified portfolio using ETFs like VTI (42%), VEA (24%), and VWO (12%), among others.

Why is Alexander's focus on Indonesian stocks questioned?

The advisor points out that Indonesia's stock market is only 0.1% of global liquidity, and that home bias often leads to investing more in one's own country, which may not be the most efficient strategy when living abroad.

What is the advisor's stance on Bitcoin in Alexander's portfolio?

The advisor recommends a more balanced approach, suggesting a maximum of 10-20% of the portfolio be allocated to Bitcoin, recognizing its volatility. For a more stable approach, they suggest a 70-30 or 80-20 allocation between stocks and Bitcoin.

What investment strategy does the advisor suggest for non-professional investors like Alexander?

The advisor recommends a 'beta' investing strategy, where Alexander would invest in broad market indices like the S&P 500 and international stocks through ETFs, rather than trying to pick individual stocks or seek high-risk, high-reward 'alpha' opportunities.