02.26
An employee in the private agricultural company never ask me about the steps in managing her money. Here’s her mail …..
Hello Mr. Eddie,
My Nani, employees of private companies in the agriculture. Age 31 years at this time. Now I have a career that lumayan, have savings in the bank for about 27 million. According to the plan I want to open a boutique business, while small-scale investment in the banking products that result nambah a sizable pocket money he … If it be thought thought-interest savings is very small, so I plan to move them to deposit or mutual funds so that more optimal results.
The problem, if the store is in the form of deposits, we can not retrieve it at any time due to the fall temponya. I think, if the only purpose of a sudden there, how ya? About you, how should I?
Thank you.
Nani M-Bangkok
Reply ….
I will try to answer your questions. In making financial planning, you must first determine what purpose. Do you want pure investment only, use it for business, buy a home, to fulfill the holiday wishes, etc. want to pilgrimage. If your destination more than one, I suggest to make a priority. Without any goals and priorities are clear, you akan difficulty estimating how much money is needed later. I will try to give your input in terms of investment.
Suppose you want to buy a house mother in 5 years time
Calculations
House price: Rp. 135,000,000, –
Time period: 5 years
But the funds should be provided at this time:
Rp. 83824378 (Assumption deposit interest rate: 7% p.a)
About what the product should be selected, I return again to you, how the investment style and how far you dare to bear the risk, whether aggressive, conservative or between both of them (moderate). You can consult with friends, relatives who have ever been and have experience in this.
If you are a conservative type, you can select products such as government bonds (ORI), is currently popular, returnnya approximately 10% per year, depositing approximately 6-7% / year, money market mutual funds. If you are the type of moderate, maybe you can combine several investment instruments such as stocks or bonds with any mutual funds.
If you are the type of aggressive (generally young executive tune), can choose to invest in stocks, foreign exchange, the higher the risk, the more likely to get a high return. I really expect you to think with mature before taking financial decisions as it would impact on the results obtained dikemudian days. Financial plan can not guarantee 100% achievement of your goals, re-review should be done every year so that if the slip calculation, the calculation can be done again to approach the goal.
Detailed calculation of the solution to your questions I will tell you via email the next.
Thank you.
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