Investment Tips in 2022 so You Don't Lose

In the new year, maybe you intend to have a new investment, but are still confused about what type to choose for money. Before investing, there are several things you should think about, especially the investment instrument you choose .

If you are thinking about starting investing in early 2022, here are things you should pay attention to so that the results are satisfactory, as quoted from cimb.co.id:

1. Choose the Right Investment Platform Investing is like planting a tree. A lot of browsing and finding out the right investment platform for beginners and don't follow the wrong way of investing, because it will be very detrimental to you.

2. Cultivate the Right Mindset Optimistic, never give up and not afraid to take risks. Instill that mindset before starting. Mindset is one of the many things that affect a person's success in addition to hard work, experience, skills, network and so on. Because basically the mindset affects habits and actions every day. A person's success is influenced by a mindset that has a percentage of 80% and 20% is a skill.

3. Don't Ignore Inflation This way of investing should be avoided. If you ignore inflation in choosing a long-term investment vehicle, your investment may reduce its purchasing power. According to a report from Bank Indonesia, in August 2013, Indonesia experienced inflation of 8.79% and in July 2013 8.61%. This means, if you invest money in a State-Owned Depository Bank that provides an interest of 5.46% for 1 year, or even in a non-foreign exchange private bank (which is known for its high interest rate) of 7.21% for 1 year, you have an inflation risk i.e. the cash value will increase. reduced by inflation.

4. Dividing Owned Capital One of the things that you must pay attention to so that beginner investment methods can be realized is to first divide the capital you have into several assets or what is commonly called diversification. A common example is diversification in gold, stocks, property, and debentures.

5. Choose the Right Investment. How to invest in this one must adjust to your goals and financial capabilities. There are various types of investments that can be found in the stock market. Stocks, bonds, deposits, and more. Each type has its own advantages and disadvantages, and of course with a different range of risks. The order of types with the highest risk and return is stocks, mutual funds, bonds, and finally deposits. To invest in stocks, strengthen your mind and learn more about the ins and outs of investing in stocks comprehensively to know the risks. One of the right ways so that you can find out how to invest properly is by attending a workshop on investment or consulting with experienced experts.

6. Start With Small Investments First In order to grow self-confidence, starting with small capital is a way of investing for beginners. Choose investments that are guaranteed and have performed well for the last five to ten years. You can consult further with your broker.For reference, read more books on tips for playing stocks for beginners or attend seminars and stock developments on the internet.

7. Don't Overdo It Most people's biggest fear is losing money. You will get used to the market conditions over time. Stay calm in dealing with the existing conditions and as much as possible not to go into debt. Too much in investing will affect the mental and psychological, especially for beginners. Don't be easily fooled by things or recommendations on how to invest that you don't necessarily think is right.

8. Don't Monitor Too Often You can apply this if you want to invest that is safe and makes you calm. Why? Because, too often monitoring or monitoring investment developments actually causes you to worry and become afraid in making decisions. Basically, the main purpose of investing is to build wealth over the long term. So, what happens to your investment performance on a daily basis is less relevant. Therefore, monitor your investment, for example, once a month. Do not let because you are too eager to learn and follow existing investment methods, you will feel insecure and calm. Meanwhile, Rico Yapotra and Christian Wirajaya as the Co-Founders of estudi.co.id saw the lack of financial literacy in Indonesia. According to OJK, the Financial Literacy Rate in Indonesia in 2019 was only 38.03%. That is the reason they founded the start-up estudi.co.id to build a smart Indonesia in financial literacy by providing a digital education platform for free or paid for the Indonesian people, especially the millennial generation. "By increasing the public's financial literacy, of course, it will reduce the level of public risk in investing." he said. Rico Yapotra and Christian Wirajaya have a vision to improve the financial literacy of the Indonesian people so that no more people fall into illegal investment products. Keeping up with the times, estudi.co.id provides access to learning materials including stocks, cryptocurrencies, NFT, commodities and derivatives to how to distinguish between legal and illegal brokers or securities and the right investment products in Indonesia. Rico Yapotra said, “We must understand the investment products that exist in Indonesia before becoming a trader or investor. I always remember the quote from Warren Buffet which reads "Don't put all your eggs in one basket" so diversification is very important. That's where there is a way to minimize risk in investing. It is not enough to just learn one investment product, but one must be able to understand deeply and analyze all existing investment products in order to adapt them to the needs and goals of each investor.” “estudi.co.id targets the young generation who are prone to making investment mistakes. Therefore, estudi.co.id is committed to continuing to provide and improve the best educational services and products for the people of Indonesia," he added.

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