Posts Tagged ‘Investing’
When you make an investment, then there are two options, can be done periodically, or just once. To invest periodically, you can invest once a year, six months ago, or even once a month. There are few people who invest every one or two weeks ago. But the important point here is that there is a periodic investment is doing routinely.
Typically, invest periodically is the most potent way to catch large funding targets in the future. You do not need to have a large amount of funds at this time, but simply set aside a small portion of your income to be invested into an investment products. Long time, you will have a balance of investment that is so great, as you also earn interest.
Invest periodically just as a builder who was making the walls. What he did was take a brick, cement, then with stick it. Take more of a brick, give the cement, and stick it on the left or right side of a brick. So on until he could finish one sandwich. After that, he will go on to the second tier. Second tier is finished, proceed with the third tier. So on.
Long time, you will see a wall. The picture is exactly like that when you invest on a periodic basis. Only difference, by investing, you also earn interest. While the Builder, not getting the ‘ flower ‘. She is doing is just like saving into piggy banks just routinely. But the principle is the same: a little bit, will become a hill.
You can also invest only once (lump sum). That is, you simply enter the money only once in a product investments, deposits, for example, then you let sit for Let’s say ten years. Each year, you will earn interest, you can add to Your principal money. Later, redeposition again, so the longer the interest rates are more and more large. But, as long as it’s you never touched it, until for ten years. After ten years, you will have a very large amount of funding.
LET’S INVEST
When you make an investment, there are two options: investing periodically, or investment only once. Both give the same meaning investment value. Stay you choose which funds according to the power that you have.
Periodic
When you invest on a periodic basis, then this means you make an investment on a regular basis. You can invest once a year, six months ago, or even once a month. There are few people who invest every one or two weeks ago. But the important point here is that there is a periodic investment is doing routinely.
Typically, invest periodically is the most potent way to catch large funding targets in the future. You do not need to have a large amount of funds at this time, but you can simply just set aside a small portion of your income to then invested into an investment products. Long time, you will have a balance of investment that is so great, as you also earn interest.
Invest periodically just as a builder who was making the walls. What he did was take a brick, cement, then with stick it. Take more of a brick, give the cement, and stick it on the left or right side of a brick. So on until he could finish one sandwich. After that, he will go on to the second tier. Second tier is finished, proceed with the third tier. So on.
Long time, you will see a wall. The picture is exactly like that when you invest on a periodic basis. Only difference, by investing, you also earn interest. While the Builder, not
get the ‘ flower ‘. She is doing is just like saving into piggy banks just routinely. But the principle is the same: a little bit, will become a hill.
I will tell one way for you. If You always spend as long as it used to be your money so it’s always running out of money for savings, why now you don’t reverse the process?
When you get your paycheck on the 25th, set aside money for your first portion of the tube, then the rest is spent. When you do routinely, then after a year, you already will have stored in large quantities.
When you do that, then you are no more reason for you to not saving. Well, it might just be money that you can spend so reduced. But that’s the consequences: you need to have a number of funds as a backup for your future.
For example, Your earnings are used to $ 1 million per month. Formerly, you wont spend $ 1 million until exhausted. Now, with you saving $ 100 thousand per month in advance, then total your expenses just stay $ 900 thousand per month.
If you feel the amount is not enough, then you must do one of the three options below:
- Increase your income. In the example above, revenues increased to Rp 1 million $ 1.1 million. With you keep saving $ 100 thousand, then your spending is no longer a $ 900 thousand, but back to $ 1 million.
- Push your expenses. In the example above, you are willing to push your spending was Rp 1 million to $ 900 thousand only.
- Do both, i.e. increase revenues while simultaneously pressing the cost of living. In the example above, you could increase your income to be $ 1.1 million, and hit your spending to $ 900 thousand. Thus, you instead have a greater goal difference again to creditability!
- It’s up to you, which of the three last which you want to select. Most importantly, you have to get used to saving. In this case, if you are having trouble saving up for some reason always run out, then you can save money in advance so you’re earning.
- Remember always: you need a reserve fund for the period that is unexpected.
WHERE TO SAVE?
There are many options that you can use for saving. One of the most popular places to save for Indonesia is savings in the bank. An excess of savings is that funds in savings can be taken whenever you want. Disadvantages of savings is that at this time, generally on savings accounts only provide small interest.
In addition, you may also be able to save money by buying gold. When you’re saving for, say, $ 200 thousand per month, you might be able to buy gold that the amount corresponding to the value of the money that you At this time, much of the available gold coins can be bought by the number one gram only.
As an alternative, you can also save money in the form of investments such as mutual funds. Mutual fund is a type of investment where the money you will be managed by a team of investment managers to be invested into a wide range of investment products. To be able to invest in mutual funds, get started with a minimal amount of funding requirements amounting to $ 100 thousand.
Obviously, there are a few options if you want to save. Why not get started?
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What are some advantages?
The first advantage that we notice is that mutual funds allow people without enough capital to invest it. It’s like collecting money from all your close relatives and with this power to invest in something that leaves them all a 10% interest a year instead of leaving only 2% if all invest their own. With mutual funds you can be part of a better (or worse, remember that everything in the world of stocks is risky) investment to be able to pay a fund manager rather than investing it yourself.
You have the advantage of diversifying your investments by mutual funds allow you can invest in many companies, hoping that if one goes bankrupt, the other to compensate for the damage. By not having your eggs in one basket (sorry, I did not come to mind the expression in Spanish) have a lower chance that they all break at the same time. This also helps your investment is something simple, you need not worry to know what percentage have to invest in Microsoft and another from Apple. Just buy a mutual fund that invests in technology and the manager will see that you have paid off.
Not everything is pink …. Some disadvantages.
Like most mutual funds investment at risk to lose money. Last year my mutual fund decreased by 40% due to the economic crisis, but for my retirement date that is only going to be a stumbling block, but not the end. Mutual funds are managed by professionals and experts, but this does not mean that you will only see profit. Market speculation that these people make are just that, speculation.
Another disadvantage of mutual fund is that although you do not sell your shares, mutual fund manager can buy and sell stocks for the fund to have a better profit. When this happens the government (in this case the IRS) may charge for these capital gains a percentage of them.
One of the investment products that most people are using mutual funds. In very few words, mutual funds are used to make a single investment in a diversified portfolio in which the risk of losing your money is minimized (hence the make lots of money too). The purpose of the mutual fund is not becoming a millionaire, but to have a steady growth of your investments over time. Other mutual funds that may represent an industry, a stock exchange (such as SP500, DOW or NASDAQ) or a personal affiliation (mutual funds green, which only invest in the environment).
A mutual fund is a conglomerate of investors who decide that their money is managed professionally. As can be hundreds or thousands of investors in the fund, the cost of the corridor is cheaper per head. These funds are managed by the company and invested in accordance with the goals of the fund (investing aggressive, conservative, pharmaceuticals, etc.). The fund manager is responsible to take decisions which to invest. If the fund is actively managed this means that the team that is managing the fund always try to get benefits to the market. There are other funds that are passive, they are just trying to invest in the stock indices to only win if the whole market does.
Direct negative aura ambushed early trading the financial markets of Indonesia.
On the first trading session of the Indonesia Stock Exchange on Monday (1/17/2011) morning. Direct Composite Stock Price Index wallow in the red zone. CSPI first session until 10:00 had dropped 42.399 points, or 1.19 percent, to 3526.745. Basic industry and commodity index leader slump in early trade this week.
Meanwhile, the rupiah exchange rate against the U.S. dollar in the Jakarta interbank spot market on Monday morning as quoted by Antara has weakened 17 points or 0.19 percent, to the position of USD $ 9067 compared to the previous trade.
According to analyst Samuel Securities Indonesia, Lana Soelistianingsih positive economic data in the United States (U.S.) that triggered the U.S. dollar strengthened.
Last week, he said, the Indonesian market was under selling pressure especially in the stock and bond markets. Indiscriminate selling by foreign investors is expected to reach more than Rp 2 trillion, equivalent to 220 million U.S. dollars. “But the selling does not make the rupiah exchange rate weakened significantly,” he said.
However, he added, foreign funds are still in Indonesia and is still waiting for the opportunity to go back when BI is likely to raise the BI rate is the interest rate in February 2011.
He added, BI continues to come under pressure to raise interest rates in line with expectations of rising inflation is a more positive sentiment. Lana predict, the rupiah will weaken back to Rp9.060-Rp 9070 per U.S. dollar in trading today.