Can not be finished, the global economic situation of late, full of uncertainty. Starting from the sub-prime mortgage crisis that began in 2007, the impact is felt not only by the giant financial institutions in the United States, but also by many investors in Indonesia. This is evident in the movement of the value of the IHSG on 19 September 2008 and was touching the 1,641 level, down 42% from the 2830 highest level tin early January 2008.
According to Andy Untono, General Manager and Head of Unit Investment Products and Bancassurance BCA, in a difficult time such as now, investors need to implement strategies that stroke, so that the results of the investment that has been obtained can be maintained. According to Andy, there are five simple ways that can be applied by all the people in a tempestuous market conditions, namely:
1. Investing in accordance risk requires of the have your profile
Generally, investors can be divided into 3 types of investors. The first type is aggressive. This type of investor who likes the growth of the portfolio is too aggressive and not concerned about short-term market fluctuations / medium. They are suitable to invest in the stock market. The second type of investor that is moderate, with the characteristic slant to the stable growth of the portfolio. To them, most of the investment can be put in fixed income instruments with the rest in the stock market. Finally the type of conservative investors, who prefer the investment results of routine, without any fluctuations in the market. This type of match to inoculate all their funds in fixed income instruments. By knowing the risk profile, you can choose the type of investment that is suitable for yourself.
2. Diversifying investment
The old adage says, “Do not put all eggs in 1 basket.” Each investor, other than the need to know the risk profile that is owned, should also diversify the investment. For example, if you have a certain aggressive investor, you need to spread the investment in various stocks. The easiest way is to buy unit-linked products, where investment managers automatically invest your funds in various shares in a number of sectors to spread risk so that the investment value of the investment does not fall significantly when the fire occurred in one sector.
3. Investing with an installment system (Rp-cost averaging).
In a market that is not stabilized, with the system’s investment strategy is suitable for installment applied. By investing in installment, you will be able to take advantage of the market that are still down with the discipline to buy units of investment in the cheaper price. Thus, if the market competitive again, you will receive additional benefits with this installment system.
4. Only buy products from the investment that can be trusted
With motley selection of investment products available today, investors must be more charming in the rate, which the party can be trusted to manage the fund investors in a professional and responsible.
5. Tend to invest in long term
In the short term, the movement of the value of the investment, especially in the stock market could fall. However, in the long term, the movement of the value of the investment tends to follow economic growth and inflation rate. Origins of the Indonesian economy still growing, the value of the investment will tend to rise.
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