AN EASY WAY TO INVEST OUR MONEY!
By : Faradila Nagasari
Are you a first jobber?
Fresh Graduate 21-27 years old
Staff/Officer Spend a lot of money
first jobber
Most of first jobbers do not think
about saving and investing.
They are too happy to spend
their own money.
But, some of first jobbers have saving.
How about investment?
Is it important for us?
v
Why do we need investing our money?
InflationFuture needs
PensionHigher return
Inflation (5,90%)* Interest rate of saving account (0,5-2%)
Return of Investment(6-25%)
InflationFuture needs
PensionHigher return
* Per June 2013 (YoY)
InflationFuture needs
PensionHigher return
HolidayEducation Hospital
House & Car Pension
What is investment?
Physical Asset
PropertyCommodity,
Precious Metal
Financial Asset
Money Market
Capital Market
These are some instruments
of investment :
Risk & Return
Deposit
Saving
Bond
Mutual Fund
Ris
k
Stock
Return
“High Risk, High Return”
So what is The best
instrument of
investment for the first
jobbers? It is Mutual Fund!
Mutual Fund is.......
type of professionally managed collective
investment vehicle that pools money from
many investors to purchase securities. (www.wikipedia.com)
“Wadah yang dipergunakan untuk menghimpun
dana dari masyarakat pemodal untuk selanjutnya
diinvestasikan dalam portfolio efek oleh Manager
Investasi.“ (UU Pasar Modal No 8 tahun 1995)
Mutual Fund is not a banking product, it is a product
of Fund manager and Custodian Bank.
+ =Money Market
Custodian BankFund Manager Mutual Fund A
Stock of Astra Mutual Fund
X √
“Don’t put all of your eggs in one basket”
Money
Market
Type of Mutual Fund
Mutual Fund
High return in long term
Diversification
Managed by
professional
Controlled by OJK
High Liquidity
Transparant
Easy Access to buy stock and bond
Need a view money
Customer Bank
Mutual Fund Scheme