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Selamat datang di situs Boyzforum yang diarsipkan oleh Queer Indonesia Archive. Forum untuk komunitas gay Indonesia yang populer ini didirikan pada tahun 2003, dan ditutup pada tanggal 15 Desember 2020.
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Personal Financial Planning
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Comments
Cash Flow yang selalu surplus, memang merupakan awal yang baik. akan tetapi kita juga harus melihat apakan Cash Out Flow nya sudah memenuhi tujuan keuangan kita.
misal gini, seseorang dengan gaji 3 juta perbulan, dan konsumsi 2 juta perbulan. means, there s a C/F surplus of 1jt perbulan.
dengan kasus tersebut, memang awal yang sangat baik. akan tetapi saya masih melihat masalah disana. misalnya, apakan dengan surplus 1jt perbulan sudah dapat menunjang tujuan keuangan orang tersebut.
oleh karena itu, seperti yang saya katakan bahwa, C/F dapat kita dajikan sebagai pijakan strategi yang akan kita lakukan.
yeah... this is subjective... ada yang barangkali cukup sekadarnya.... tapi ada juga have a big dreamz..... by rule of thumb as i said saving 1/3 from monthly income is good enough. tapi kalo misalnya kita mahu something yg lebih lagi saat pensionnya, barangkalo kita perlu investments.
bila discuss about investment, then PV and FV come to the picture. so to calculate PV and FV, inflation and interest rate has to be considered. But any investment have their own risk. As an investor myself, my first priority in any investment I made, is minimise the risk. Secondly is the profit. Then maybe we may consider to hedge the investment incase worst scenario happen. But then it's up to oneself, based on
1. Money Management
2. Risk Management
3. Risk tolerate
4. Discipline
betul dong. bebas banget punya opini, justru saya senang sekali bisa berbagi sesuatu.
setuju. memang seharus nya, kita harus lakukan saving at least 30% of income. untuk persiapan masa pension. ini hal yang selalu saya take concern pada posting2 saya.
kemudian, saya paparkan, WHY saving dan HOW to save nya. masalah nya, belum semua BFers memiliki kesadaran/kebiasaan saving/investing yang baik.
betul, jadi mau tidak mau, dalam Personal Financial Planning, tetap harus melihat kondisi makro. meski hanya untuk membuat asumsi inflation, inflation rate, dan expectation return serta risk.
setuju... pasti nya perilaku setiap individu juga berbeda-beda. ada juga yang mungkin profit first, then risk.... tergantung dari perilaku dan kesediaan nya menanggung resiko.
mungkin saya bisa tambahkan, ke empat faktor diatas dengan :
5. Objective, atau tujuan investasi nya.
btw, thanks a lot atas masukan-masukan nya.
I am salute sama the@mind because of your effort in giving explanation the importance of saving. Tambahan the@mind yg number 5 itu tepat sekali.
cuma barangkali tulisan yang color merah itu kurang tepat menurut saya. All this while we have been taught first priority in any investment is profit. But we almost forget the risk. Without knowing our risk, we are actually making ourself vulnerable to the dark side of investment.
Personally i believe, if the@mind is a financial planner, the most important thing to explain is risk. what will happen if the worst case scenario happen. No body believe Lehman Brothers, one of the biggest financial institution in US collapse, CITIBANK need bailout from US Goverment and etc.
If investor know the risk that can be happen, they will invest wisely. moreover, do not invest amount you can't afford to lose.
From latest news, seems US economy registered another 524k job loss which cumulative amount for 2008 is 2.589 million. the most since 1954. This is not a good news for investor. EURO will come soon and asian region sooner or later will be affected. One of my frenz in EURO always said this " GOD OF THE MARKET PLEASE HELP ME" I can't stop laughing when his always say this when the market turn againts him.....
saya selalu pada teori dua sisi mata uang kok. dimana kalo bicara expected return di satu sisi, maka tentu harus juga memperimbangkan resiko on the other side
saya menyarankan untuk membuat portofolio saving/investmen.
dan sebenar nya kan tidak ada yang betul2 risk-less. even for ORI.
here i come again...:)
mau tanya, kalau utk mahasiswa atau utk karyawan "baru", pilihan investasi yg bagus apa yah? pernah baca di thread ini juga, katanya minimal simpan 1/3 pendapatan kan ya....
i'm one of the believers of "duit itu makin lama pasti makin turun nilainya", jadi gk pengen kalau duit disimpan dlm bntk duit aja. investasi yg cocok? dan di mana cara mendapatkannya?
--thx--
btw. are you really a financial planner? ( i think you are)
if you do, i'll probably contact you more in a future
hope you don't mind
thx again
bisa nyimpen 1/3 dr gaji .. ??? bagus banget tuh .... gue aja ngga bisa nyimpen sampe segitu .... di amrik nya sono ....
lolz...
kalau tidak salah ingat dan tidak salah baca :P
yea, saya blm berpenghasilan, masi cupu....mudah2an dlm waktu dekat lulus kuliah dan bisa bekerja, meringankan beban ortu
ya ialah om
di sono pajak penghasilannya tinggi o.O
alo the mind..
g baru nemu nih forum yg berguna
en posting dan topik nya berguna bgt utk orang banyak..
hehe ^^
g uda baca ttg topik di atas, tapi msh ada yg mau g tanya nh..
g msh penasaran..
penasaran dengan angka 36.05634 dan 22.837,
setelha g itung2 ternyata angka 36.05634 itu dapat dari rumus inflasi sbg brikut: (1+i) pangkat n, dimana i = 0.1 (10%) dan n = 36 thn, betul ga pak? hehe..
nah sedangkan 22.837, dari tadi g udek2 koq ga ketemu ya??
rumus nya apa ya?? dan apakah sama dengan rumus investasi?? dan sekalian ingin tahu dunk rumus investasi apa ya?
sblumnya thanks ya the mind..
hello again, he he he...
untuk mahasiswa atau karyawan baru, boleh-boleh saja mempertimbangkan alternatif2 investasi. akan tetapi, untuk tahun pertama atau kedua, mungkin belum terbiasa dengan pengelolaan uang pribadi.
jadi sebaiknya dibiasakan dulu dengan disiplin pencadangan sebagian income dahulu. nanti setelah terbiasa dengan peng-alokasian income, dan sudah memiliki dana free yang cukup, baru memilih alternatif investasi yang cocok.
seperti yang saya singgung di posting saya, membiasakan disiplin menabung ini sekalian dalam rangka melakukan pembentukan dana darurat terlebih dahulu.
sudah ada contoh kasus untuk karyawan baru di posting sebelum nya.
nilai uang yang semakin turun yang dimaksud adalah Nilai Riil nya. misalnya kita simpan uang kita di bank, dan mendapatkan bunga 7%, maka nilai nominal uang kita akan naik sebesar 10%. akan tetapi, jika pada periode itu tingkat inflasi sebesar 10%, maka nilai riil uang kita turun sebesar 3 %.
nilai riil adalah nilai uang kita dibanding dengan harga barang. hal ini dipengaruhi oleh tingkat inflasi, atau pergerakan harga-harga.
untuk menjaga agar nilai riil uang kita tidak turun, maka kita harus mendapatkan hasil atas uang kita ditempat dimana akan memberikan hasil diatas nilai inflasi.
really a financial planner ??? whatever it said. saya hanya memberikan masukan dan wawasan tentang pengelolaan keuangan pribadi kita.
do not hesitate to contact me, anytime... dont mind at all.
good luck ya.... tapi banyak juga lho, mahasiswa yang sudah mulai mencari pekerjaan yang tidak mengganggu jadwal kuliah.
36.05635 betul.... 100 buat anda, he he he... rumus nya sih begini:
anda masukkan nilai :
PV = 1
i = 10% dibagi 12, karena montly basis. dan i adalah asumsi inflasi.
n = 36 tahun kali 12 bulan = 432 bulan, karena monthly basis.
untuk nilai 22.837, rumus nya begini :
anda masukkan nilai :
A = 1
n = 432 bulan, monthly basis.
i = 16% (asumsi return on investment), dibagi 12 = 0.0133333
kedua rumus diatas, adalah rumus2 time value of money. rumus tersebut juga digunakan dalam menghitung nilai uang dalam teori investasi.
mudah2an jelas ya....
Investing
Although we may not realize it, we probably already know a lot about investing. When we study hard for school, we get good grades. What we were doing is investing time, energy, and brain power, so that we can go on to college or a great job. Our return on that investment is personal success.
It’s the same with money. When we invest, we use cash to buy an investment, like a stock or mutual fund, expecting it to increase in value or pay our income. If that happens, we have more money than we put in originally. Our return on that investment is a profit.
Starting to invest is the beginning of a long adventure. It’s something we can do throughout our life, so that we will have enough money to pay for college, buy a home, and live on when we retire. It’s also something that we will get better at the more we do it.
Lots of the smart moves in investing such as asset allocation, diversification and etc only have one objective that is to offset one thing: risk. Risk in investing really boils down to one thing: losing our money, even including our principal.
The flip side (and the fun side!) of the equation is return. Return is the earnings we can make on an investment that increases in value. It’s also called gain. It’s also any income we get from the investments, including dividends and interest payments.
So the trick is to balance the good and the bad—risk and return. Some investments are riskier than others. For example, a money market fund is pretty safe, because it would be unusual to lose what we initially invested (also called our principal). But our return will most likely be fairly small.
On the other end of the spectrum, it’s possible to make a good deal of money investing in stocks. But they can also go way down in value. This change in value is called volatility. That’s because there's never a guarantee on our stock investment, and lots of different factors in the economy can affect our return.
Variety is the spice of life is a investing, too! As an investor, we get to choose from a range of options. Our main choices perhaps are stocks, bonds, cash, and mutual funds that buy stocks or bonds. The individual types of investments are called asset classes.
So, how do they vary?
Mostly it’s that each asset class use our money in a different way. When we buy a stock, we are actually buying a part of a company. But with a bond, we are making a loan to a company or to the government. That’s a pretty huge difference! But all investments have one thing in common: We use them to try to make money.
Most investors create their own special mix of different investments from the range of asset classes. That personal blend of asset classes, containing specific stocks, bonds, and cash, is called an investment portfolio. It’s where we can put our own special stamp on investing!
When we buy stock in a company, it means that we own a small part of that company. That makes we as a stockholder, or shareholder. It means that we have a say in how the company run. How cool is that? We just have to choose a company where we had like to put in our two cents.
But with all the different stocks out there, what we going to do? A great way to start is to think about companies we think have a really great product or service. If we can afford it, buy a few shares. If it’s a successful investment, our stock will increase in value, and the company may pay us a portion of its profits—also called dividends.
Of course, there is a flip side—like if the company doesn’t do so well. Then our value might go down, and we may not get any dividends. That’s the risk in owning stock. But most investors feel that it’s a risk more than worth taking.
Investing in a mutual fund is kind of like being on a team. That’s because when we invest in a mutual fund, our money is put together with the money of all the other investors in the fund. The team’s captain, a professional called a fund manager, then use everybody’s money to buy stocks or bonds.
That means we can invest in a huge range of stocks and bonds that we wouldn’t be able to afford if it was just us investing on our own. The trick is to choose a fund where the fund’s investment objective, and the manager’s investment style, matches up with our investing goal. Some funds may be invested to grow in value, whereas others may be going for income.
We can open a mutual fund account with as little as $1,000 for most country but I don’t know in Indonesia. For that amount, we can get investing in lots of different stocks or bonds, plus we get a professional managing our invested money. It can be a pretty sweet deal.
We are probably already really good at allocation— just think about how we divide up our time. We need to spend a few hours on homework, a few on sports or exercise, and some time when we can just chill. Well, investing can be the same kind of balancing act. We divide the money we have into different kinds of investments.
That’s because just like people, investments can’t be winners at everything all the time. Some years stocks do better, and sometimes bond returns win out. In fact, it’s often the case that when one asset class is not doing so well, the other kinds offer good returns – and vice versa. Asset allocation can also mean that we are earning the greatest possible return year after year on the amount of money we have available to invest.
Diversification is another way to be sure all our eggs aren’t in one basket. To offset any risk that one investment, or investments in a certain kind of business, will do poorly, it’s a good idea to put our money into a variety of investments. That makes it easier to balance the bad with the good.
my two cents