Jenis-Jenis Instrumen Investasi (Investasi Ada Apa Aja Sih?) | Seri Investasi 101 - Episode 2 Part 2

Summary

This video script delves into various investment options, including stocks, peer-to-peer lending, precious metals, cryptocurrencies, real estate, and crowdfunding for property investments. It highlights the risks and returns of each option, using real-life examples to demonstrate the potential for growth or loss. The speaker discusses how stocks and bonds can yield profits through capital gains and dividends, while explaining the fluctuating nature of other investments like crypto. The script also touches on practical tips for beginners, such as using digital platforms for easier investments, and concludes with a promise to explore further investment strategies in future episodes.

Takeaways

• 😀 Companies can raise capital for expansion by issuing bonds or selling company ownership. Ownership sales can be to angel investors, other companies, or the public through an IPO.
• 😀 When a company goes public and lists its shares on the stock market, it becomes a 'public company' and investors can buy a small portion of the business in hopes of future growth and capital gains.
• 😀 The key benefit of investing in stocks is capital gain—the difference between the buying and selling price of shares. Investors may also receive dividends if the company distributes profits.
• 😀 Stock investment carries risk, as businesses may not grow as expected. For example, companies like H.M.S.P. saw their stock prices drop significantly over 5 years, while BBCA stock rose over 150%.
• 😀 Investing in stocks today is easier with online brokerage accounts at platforms like Miraya Set, Ajaib, or Indo Premier, which allow for easy registration without needing to visit a physical branch.
• 😀 Peer-to-peer (P2P) lending connects borrowers with lenders, where the lender provides funds to individuals or businesses in exchange for potential returns. Platforms like Investa, Amarta, and Modalku are popular for this investment type.
• 😀 P2P lending comes with varying levels of risk and return. Higher-risk borrowers (e.g., individuals or smaller businesses) typically offer higher returns. Indicators like TKB 90 can be used to assess the success rate of repayments.
• 😀 P2P platforms often provide insurance coverage if borrowers fail to repay, but it's important to check whether the platform includes this feature before investing.
• 😀 Commodities like gold and foreign exchange (forex) are considered 'hedging' investments, protecting asset value in times of currency devaluation or economic crisis. These instruments may not always follow the country's economic trends.
• 😀 While commodities like gold or foreign currencies can help protect wealth, they don't provide cash flow like stocks or bonds. They also lack the dividends or interest payments that other investments may offer.
• 😀 Real estate investment can be lucrative, but requires careful location selection and understanding of long-term value growth. For those with limited funds, property crowdfunding platforms like Santara allow collective investments in property.
• 😀 Overall, the video discusses various investment types such as stocks, P2P lending, gold, forex, crypto, and real estate. Each comes with its own risk and reward profile, and the importance of doing thorough research is emphasized.

Q & A

What are the two main ways a company can raise capital for expansion or business development?

A company can raise capital through two main ways: issuing bonds (debt) or selling ownership shares of the company (equity).

How do Angel investors, other companies, and the public invest in a company?

Angel investors or other companies can buy ownership stakes in a company through various funding rounds like seed or series funding, while the public can purchase shares in a company via an Initial Public Offering (IPO) in the stock market.

What is the goal when investing in stocks?

The goal when investing in stocks is to purchase ownership in a company at a low price with the expectation that its value will increase over time, allowing the investor to sell the stock for a profit, known as capital gain.

What is the potential risk of investing in stocks?

The main risk in stock investment is that the company may not perform as expected, leading to losses if the company’s value declines and the stock price falls.

Can you give an example of a company where stock prices increased significantly over time?

An example is the stock price of Bank Central Asia (BBCA), which increased from around 3,000 IDR to 8,000 IDR over five years, showing a gain of more than 150%.

How do peer-to-peer (P2P) lending platforms work?

P2P lending platforms connect borrowers with lenders. The lender provides a loan to the borrower (individuals, SMEs, etc.) via the platform, with the return on investment depending on the risk associated with the borrower.

What is the significance of the TKB 90 indicator in P2P lending?

The TKB 90 indicator shows the success rate of borrowers repaying their loans within 90 days of the due date. A higher TKB 90 percentage means better repayment performance.

What are the risks involved in P2P lending?

Risks include the possibility of borrower defaults, which can result in loss of invested capital. Some platforms offer insurance, but it's crucial to assess the platform’s risk management.

What makes gold a useful investment tool?

Gold is considered a good investment tool because it can protect assets from inflation and economic downturns. Its value often rises during times of crisis, unlike stocks which may fall during such times.

Why is cryptocurrency considered a high-risk investment?

Cryptocurrency is highly volatile, and its value can fluctuate rapidly, as seen with the dramatic drop in the price of the Luna coin. This volatility makes it a riskier investment compared to more traditional assets like stocks or gold.