Understanding Investment Indeed

Understanding Investment Indeed

Business / Investing Nashrulloh (Anas Bully)   7:23 PM

Investments can be defined as a decrease in the consumption of funds at this time to benefit in the future. Before you start investing, there are some things you should understand
Investment is always at risk
The higher the profit potential, the higher the risk of losses. When someone offers you a high yield investment with frills 'safe', 'easy', and the like, do not be credulous! It could be people who are offering it was trying to cheat you! None of the investments were not at risk, especially the high level of returnnya. High risk, high return.
investment
Investment period
Roughly, it could be short-term investments, medium and long term. Period of time will greatly affect the type of investment you choose. Suppose, you want a long-term investment, certainly better to choose an instrument that can provide high returns over the long term.
Distinguish investors with speculators
The most concrete example is the stock market. Speculators pursuit of immediate profit, they make trades with a high frequency. Speculators to get rich in an instant, but also poor sensational few minutes later. Moderate investors, more oriented to fund planned growth, both short and long term. They usually choose a company that is reliable, with growth stocks stable and able to provide dividends is continuous.
Investment plan
investment requires careful planning before
implemented, do not think of it as something heavy and headache, assume it if you are planning a vacation to a place of dreams.
Steps to Start Investing
1. Define Your Goals
Before investing, ask yourself, what I want to achieve with the results of this investment?
If your goal is to realize a dream you see your dream sheet, how much wealth you write there? That is the purpose of your investment.
2. Track and Vehicle Which is Most Suitable?
If you already know the goal, what else should be planned? You will definitely see the map and choose the path that is suitable to be taken and vehicles used. As with investments, you must determine what investment path that must be taken. Ask, What is the term of the investment that you want? For long or short term? Any instrument suitable for your current financial situation? What are the benefits selecting the investment instruments? How the results can be given?
3. What are the Risks Investing Through Such Strip?
Calculate your investment risk. Make a list of the
the potential profit and risk of loss.
Are the profits worth the risk to be borne?
Whether the risk is minimized?
What kind of strategies could be applied?
In selecting investments, you also need to see
Your personality. Ask yourself, what you stand a high risk? Or conversely, the heart seemed to fall off when suddenly the value of your investment go down?
If you love to play with the risk, you can choose the type of high-risk investment that is also capable of delivering high returns. But if instead, you should select only the conventional and safe. Do not until you have a heart attack because he saw your funds vanished in a flash.
4. If the Main Line Loss, alternative road which Anywhere? If there are traffic jams or obstacles in the path you choose, what alternative path that could be followed in order to remain able to get to the destination?
Do not put your eggs in one basket
Perform investment diversification. So if one of your investments suffer losses, you still have other reserves. This diversification theory based on the fact that if the value of some assets go down, then the value of other assets will rise at the same time.
That is, you need to have investments that have different properties so that your loss is not too large. Bit input, actually investing in one type of instrument was not wrong or bad. But this is not recommended if you are not an investor who is really talented and resilient, too risky.
If you can not plunge full time to oversee the basket only better choose the road rather safe, put your eggs in several baskets.
Type of Investment Instruments
Here are some investment products that you can choose and description:
A. Deposits
B. Shares
C. Bonds
D. Mutual Funds

hopefully useful ya !!

Greetings
Anas Bully



(Source: investasijutawan.com)

No Longer deposits Investment Products

No Longer deposits Investment Products

Business / Investing Nashrulloh (Anas Bully)   7:21 PM

Deposits instead of new financial products that can be used as an investment instrument, because the results obtained do not exceed the rate of inflation. for example, if in 2014 the deposit rate of 7.5% with an inflation rate of 8%, the deposit can not be called an investment. because of the increase in lower yields than investment. deposits can only be classified as a savings product.
investment deposits
Deposits is a form of short-term investments which could also try. Differences deposits and savings are at a defined time period.

Deposits are deposits that can be withdrawn only at a specific time based on an agreement with the bank Depositors. Deposit and withdrawal can only be done at certain times or in accordance with maturity so that deposits also known as term deposits.
Although the concept is the same, the deposits have some differences with ordinary savings:
- The existence of a period
- You must embed your money within a certain period, for example 1 month, 3 months, 6 months, or one year. During that time, you usually do not
can add or take such deposits.
If for example you are in a state of urgency and take deposits before maturity, usually you will be charged a penalty / fines large enough by banks.
- The interest is relatively higher than regular savings.
- The initial deposit larger
With higher interest, deposits also require minimum balances larger than regular savings. Typically ranging from Rp 1,000,000 to hundreds of millions, depending on offers from the bank.
- No monthly administration fee, but your deposit will remain taxable.
Investments in deposits usually oriented in the short term. For example, to simply store the idle fund, an emergency fund, or securing money when circumstances other investments such as stocks, bonds or mutual funds being unprofitable.
Tips For those of you who want to embed your money in deposits,
- Tubes in part, is not all. You can hassles that put most of your funds in deposits, for example in case you need emergency funds.
- Select the jangkanya short, eg 3-6 months. If the period is too long, you may lose the opportunity to gain from investing their potential because of others who were detained by depositing your money.
- Choose healthy banks and reliable, do not let your bank went bankrupt shortly after you put your money.

hopefully useful ya !!


Greetings
Anas Bully



(Source: investasijutawan.com)

Gold Investment Protecting Wealth In Long Run

Gold Investment Protecting Wealth In Long Run

Business / Investing Nashrulloh (Anas Bully)   7:20 PM

Gold investment is becoming a strategic investment for long-term investment. Gold as a hedge assets from inflation, gold does not make you richer, but gold keeps you rich.
Gold is a precious metal that is very valuable. In Indonesia there are many barns gold. Granary of gold in Indonesia in Java, Sumatra, Kalimantan to Papua. However, the management of gold mine in Indonesia is still dominated by foreign parties. It is estimated that only the companies that manage the gold mine, PT Antam.
gold investment
As a precious metal, gold has its own value. In fact, before the money as a medium of exchange official, emaslah used in everyday life as a medium of exchange. Gold extracted from mines later processed so that the value becomes more valuable.
Because it has a high value, gold became one of the many forms of investment options. at a time when many types of investments that declined, gold investment as if it never corrected. In fact, today, gold investments starting loved by investors as one of the main investment.
Investing in gold is a very good way to strengthen the wealth. Value or price of gold is relatively much more stable and secure compared to other types of investments. It could be said that gold investment is a strategic investment for long-term investment.
This is because the rise in precious metal prices tend to rise slowly. Gold investment is very practical because it can be done by all people, to start investing in gold can be done by buying gold with a value of one gram.
Doing gold investment can be done in various forms. For example, investment gold bullion, gold investment deposits, gold mutual funds, gold mining stocks, gold futures, jewelry and gold coins. well, here is an explanation of how to invest in gold.
1. Investment Gold Bars
investment gold bars
One way of doing gold investment is in the form of bars. Investment gold bars can be said as the best form of gold investment among other forms of gold investment. Unlike gold bullion which is in the form of jewelry. Gold bars are easier to resell. In addition, gold does not require the cost of manufacture as charged to gold jewelry. gold bullion is the most ideal item for investment Why is this so? because gold has a value that high levels. Only if you make an investment gold bars, diligent anticipation of losses due to changes in the exchange rate against the US dollar turned out to be touted as a major problem in terms of investment gold bullion. The reason may be dollar-denominated gold prices rose. However, if at the same time join the exchange rate against the dollar rose even higher, what happens is that the increase will not be too a big impact in the Indonesian rupiah. Therefore, if you want to invest in gold, it would not hurt to try gold investment in gold bullion.
2. Investment Gold Deposit
Storing physical gold at home is very risky. The risks are, among others, damaged or stolen. By because it would be better store physical gold in a bank safe deposit box facilities. That way is the best way to invest in gold deposits.
3. Gold Investment Mutual Funds
Gold mutual funds is one of the other alternatives to invest in gold. With an investment of gold, you do not need to hold gold in physical form. Although it does not hold in physical form, but still get the benefits. Typically, gold mutual funds are not invested in physical gold trade, but also transactions involving shares of gold mining companies. Before investing in gold in the form of gold mutual funds, there are things that must be considered, among others, management fees, fund expenses, and the net asset value.
If you want to make an investment gold in the form of mutual funds, consult with a financial advisor mutual fund service providers before deciding to take this method as a form of gold investment. Gold mutual funds can provide stability in investing, but the physical gold investment is much more stable than the gold mutual funds. However, the form of investment gold mutual funds have not been popular among investors in Indonesia.
4. Shape Gold Investment in Gold Mining Stocks
One other forms of gold investment is investment gold mining stocks. Investors who want to invest in gold without wants to have physical gold can choose the types of investments such as this. Prospective investors can buy shares of gold mining companies. With an investment of this model, investors expect the stock price rose gold mining companies because of the effect of the increase in gold prices in the market. However, the two events are not always consistent.
With gold investments like this, prospective investors can estimate the success of the stock and the benefits to be obtained. How to check the costs of gold production at gold prices. For example, if the gold price of gold at US $ 700 per ounce and gold production costs $ 300, the gold mining company profit margins of about $ 400.
5. investas Exchange Trader Gold Way Fund
One type of gold investment is the way ETF or Exchange Trade Fund. ETF or Exchange Trade Fund is a type of mutual fund that is traded on the stock exchange. Investors buses do transasksi ETF gold with a gold-based mutual funds. But saying, this form of investment in Indonesia has not run.
6. Investment Gold Futures
Gold futures is a term alternative to investing in gold without having to have the physical gold. Buying and selling gold futures contract requires a specific period. The price is stated in the contract.
If the gold price on the date the contract is higher than the gold price when the contract is made, the investor will make a profit. However, if the price is lower, the investor will suffer a loss. It could be said that investment in gold futures at highest risk because the investor must predict the future movement of gold prices.
7. Investing in Fine Jewellery Gold or Coins
Investments in the form of jewelry is a form of gold investment is mostly done. Typically, gold investment in the form of jewelery is done by mothers. But, men too much to make an investment gold in the form of jewelry. However, investment in the form of jewelry has only a small profit. Meanwhile, investment in the form of gold coins is quite value. In addition to the value of gold contained, also owned by the scarcity value of the gold coins.

Advantages of Investing in Gold
Gold investment preferred by investors because its value tends to be stable and rising. Rarely heard gold prices declined. In addition, gold was used as a tool to prevent the inflation that always happens every year. One of the favorite gold investment and have a good prospect is an investment gold bullion and jewelry. Gold bars shaped like a flattened beam. Typically levels between 22 karat gold or 24 carat.
By investing in gold in physical bentu, we get a variety of benefits, including:
Protect wealth.
Has a low risk.
Real assets.
Liquid.
Ownership rights.
Tax-free.
Well, that means that gold investment can be done. All depends of your choice. Before deciding to invest in gold, think carefully and consult where appropriate form of investment and you want it. So, flee to gold investment because this investment would give a positive value for your financial sector. Congratulations to invest in gold !!

hopefully useful ya !!


Greetings
Anas Bully



(Source: investasijutawan.com)

Bonds Alternative Investments Long-term investments

Bonds Alternative Investments Long-term investments

Business / Investing Nashrulloh (Anas Bully)   7:18 PM

Bonds are securities in the form of a certificate inscribed debt recognition contract on the loan within a certain period issued by the company or government agency as a party that owes a nominal amount.
Simply put, the bond is a testament to a company's debt to the bondholders. In other words, if you buy a corporate bond, you are lending your money to the company.

bond investments

Income from Bonds In exchange for the loan that you give, you will get a fixed interest rate (coupon) of the money you invest.
Flowers that are still generally paid within a certain time, in accordance with the current agreement bond purchases. Unlike the preferred shareholders, issuers are required to pay interest on the bonds despite
is experiencing a loss, so you need not worry that interest will not be paid (unless the issuer is declared bankrupt). Because interest rates on bonds have been determined in advance before, then investing in bonds classified as fixed assets investment.
1. Coupon Yield
The types of coupons is now actually quite diverse. Exist
coupons whose value is determined by the interest rate on deposits, but the fixed rate is the most preferred investor.
Coupon yield is obtained from dividing the amount of the coupon
with a par value. When the value of the coupon is paid issuers is always fixed, then the value of the coupon tield (KY) also remain, because the face value always remains. The formula is KY = Coupon (USD) / Value Pari X 100%
For example, you have a bond that Parinya value of Rp 5,000 and Rp 400. The coupon gives meaning KY your bond is 8% (US $ 400 / US $ 5000 X 100%).
Of the value of the coupon yield is where you can compare
Your bond investments with fixed investment instruments else you have.
2. Current Yield
The opposite of coupon yield, current yield (CY) value
fickle. Current yield is obtained by dividing the value of the coupon at the time the bond price (market price). The formula CY = Coupon (USD) / X 100 Current market value of this yield can be used as consideration in buying bonds in the secondary market. If the current yield (CY)
greater than the coupon yield (KY), meaning that the value of the bond when it is below par prices. When investors buy bonds at the time, he can get an advantage. Because, at maturity, the bonds can be sold at par so that investors will get a capital gain
,
Let us take an example of a case. You now wants
buy bonds PT. EARTH, but you want to compare the first price. Turns bond PT Bumi has a par value of USD 9000 with 10% being CY KY her when it reached 15%. It means that the current bond price of Rp 6,000 (10/15 X Rp 9000), lower than the price of Rp 3,000 par. You then buy the bonds and then sell them at a price of par at maturity. Well, you get a capital gain of Rp 3,000.
Bond Investment Risk
As with any other investment, investment in bonds was not free of risk: The risk of interest rate movements opposite of the stock, bond value is not determined by the performance of listed companies, but is influenced by interest rates umun or government policy.
If interest rates move up, the value of bonds will move
fall, when interest rates fall, the bond's value will rise. Why? Because when interest rates rise, people will be more interested to deposit their money in a much more secure. As a result, the bonds less attractive and the price drops. Conversely, when interest rates fall, people would rather invest their money in bonds, so bond prices will rise. This is in accordance with the law of supply and demand. Therefore, if you are interested in bond investing, you should be more sensitive to changes in the macroeconomic situation.
- The risk of the inability of the issuer to pay interest on the bonds
There are times when the issuer can not pay interest on the bonds, which must be paid to the investor. In such cases, the issuer can be prosecuted and declared bankrupt. To mengghindari this risk, it is important to pay attention to bond ratings.
The term is often used
Zero coupon bonds: Bond interest is paid entirely at maturity
Coupon bonds: Interest on these bonds is given periodically, according to the provisions.
Fixed coupon bonds: the bond interest is paid periodically, and the number has been set before the oblligasi traded.
Floating coupon bonds: Bond interest is determined
before the coupon payment period, in accordance with the current interest rate.
Bail bonds (secured bond): the bonds are secured by certain wealth, so that when the company is liquidated, bondholders will receive payment from the sale of collateral.
Unsecured bonds (unsecured bond): bonds are not secured by assets emitan. Please note, secured bond is not necessarily more reliable (less risk) than on unsecured bond. It is highly dependent on the company issuing the bonds. Unsecured bonds issued by companies that reliable and bona fide certainly less risky than small companies secured bond.
Senior bonds: bonds are prioritized full payment if the company is liquidated. Subordinated bond: if the senior bonds have priority over all their possessions, the subordinated bond is only entitled to a partial replacement.
Flowers: Bondholders generally receive a regular income from their investments in bonds, which are often also called coupon (coupon)
Par value (face value): value of bonds on which the
the determination of interest rates.
Maturity: the date on which the issuer must pay back the investors who have invested money in bonds.
Redemption: return on bonds from investors to
company, either already matured or not.
Retirement: penggudangan against the bond so that issuers can no longer issue such bonds.
Sinking fund: the gradual payment of the value of bonds before maturity.
Callibility: repurchase of bonds by companies
The bonds were issued by various companies, ranging from blue-chips to manufacturers. Usually bonds pay more than government bonds, and can be a good option if you want to invest for the short term. Publisher Bond type:
Government bonds
Namely bonds issued by the government. The risk is much smaller because it is guaranteed, but the coupons (income) were given was small. In accordance with the laws of the investment, the greater the risk, the greater the potential profit is given. Examples oblihasi eg government securities (Government Securities)
Corporate Bonds
As the name implies, these bonds issued by private companies. This is the appeal of bonds offer high interest. Before you buy a bond, both government and corporate bonds, first examine carefully the requirements and guarantees. Taking into account any potential future revenues and risks.
Remember, too, if you want to invest in bonds, train sensitivity to changes in the economic situation (the state budget policy, export and import, and so on), in order to obtain maximum benefit.

hopefully useful ya !!


Greetings
Anas Bully



(Source: investasijutawan.com)

Shares Investment recognize and how to play the stock

Shares Investment recognize and how to play the stock

Business / Investing Nashrulloh (Anas Bully)   7:17 PM

Shares can be interpreted as proof of securities as equity or ownership by an individual or business entity in a company, one share is equal to one part of ownership
In general, the stock can be classified into two types of common stock and preferred stock
Common stock is the most common type of shares that are traded each day on the exchange, while stock prefen is higher liquidity of shares of common stock. What is the difference?
Preferred stock itself is actually a combination of bonds and common stock. Owners of preferred shares have the right to take precedence over the common stock owners, for example in the dividend or distribution of assets if the company goes bankrupt.
In certain circumstances, for example, the issuer being a loss, there is the possibility that the owner of the shares, both ordinary and preferred shares, not receive dividends.
The difference, owners of preferred stock dividends do not lose it, the issuer shall pay dividends in the period pending the next division. This does not apply to holders of ordinary shares. In addition, if the company goes bankrupt, the owners of preferred shares will have priority in the distribution of company assets than common shareholders.
stock investment
Income from shares
1. Dividends
Part of company profits distributed to shareholders
stock. These dividends are usually distributed every certain period of time, eg 3 months, or once a year.
The proportion is comparable to the number of shares held,
the more shares you have, the greater part of the dividends you receive.
But there are also times when the dividend is not distributed by
Companies, for example, when companies lose money or unfounded
policy General Meeting of Shareholders.
2. Capital Gains
Ie the profits from the difference between the share purchase price. For example, you buy 1000 shares of ABC company whose price is USD 1000 / sheet (total $ 1,000,000).
Some time later, the share price rose to Rp 1,250 / share, if at the time you sell shares you have, you will get a capital gain of Rp 250 / share or a total of Rp 250,000.
Investment Strip
You can invest in the capital market through two channels, namely:
1. Through the Primary Market (Primary Markets)
The market there are currently companies / issuers to sell their shares
in public for the first time or the term go public
These sales are usually announced through the mass media in the form prospectus. Well, if you're interested, you can contact
the company and bought it. Usually issuers
include the address and purchase terms in
prospectus. Remember, the IPO is only valid within a certain period. When passing from the specified time period, then you have to buy through the secondary market.
2. Through the Secondary Market
If in the primary market is the transaction between the investor
with the company, then in secondary market transactions occur between one investor to another investor without the involvement of the issuer. Prices of shares traded also depends on the market, is not determined by a relatively issuers as well as in the primary market.
The process of buying and selling shares from investor to investor
can not be done directly as in the primary market, it must be carried out in the Stock Exchange through a broker or brokerage company.
To use the services of a broker, you must deposit a sum of money in a bank designated by the brokerage firm. List the name of the broker you can see on the Stock Exchange (the Indonesia Stock Exchange) or through the website jsx.co.id
The term - a term that should be understood
Issuer: the company issuing stock
Trading days: the day when the stock traded
Nominal rates: the issuer's share price set
publisher. For owners of preferred shares, the nominal price is very important, because of the price is the value of dividends remain to be determined. Suppose mentioned that the preferred stock dividend is 10%, the dividends received Artiya is 10 percent
of the nominal price. If the nominal price of a share prefern USD 500, then the dividend you receive is $ 50 / share.
Initial price: the current stock price was first sold in the primary market.
The market price: the selling value of shares in the secondary market. Its value depends on the market mechanism.
Capital gain: the profit earned on the difference in share price
Capital loss: the opposite of capital gain, capital loss is loss due to falling prices of shares purchased.
Cash dividends: the dividend in cash
Stock dividends: a dividend in the form of stock ownership
Dividend remains: is the type of dividend distributed to owners of preferred stock. Its value remains as the bond coupon payment.
Cumulative dividends: dividends are the rights holders of preferred stock, but has not been received during the period of distribution of shares ago.
Non-cumulative dividends: if you have a preferred stock dividend of non-cumulative, meaning that shareholders were not entitled to sue prefern dividends are not paid in the past.
Yield: the total benefits received by investors, both capital gains and dividends.
Callability: the right of the issuer to buy back the preferred stock that has been circulated. Usually issuers would buy the shares above the nominal price.
Convertible preferred stock: preferred stock that can be
exchanged for common stock ownership. Exchange ratio depends on the agreement between the investor and the issuer.
Non-convertible preferred stock: the opposite of convertible preferred stock. These shares can not be exchanged for common stock.
Investors and Speculators
You would never mendengan two terms, what's the difference?
An investor is more oriented towards long-term returns. If he want to invest their money in stocks, it will examine the stocks you want to buy it carefully, ranging from reputation to the issuer's performance and financial reporting issuer. As with the speculators.
Speculators chasing quick profits, he will buy shares when he predicted that the stock price will rise, no matter what kind of performance his publishing company.
Speculated it could potentially provide a big profit
quickly, but the risk is very large, you can get rich quick but also impoverished spectacular. And to date only a few rich people who get their wealth from stock speculating. On the other hand, even a lot of people lost money and hampered in gathering wealth due to stock speculation. Instead of speculation is bad, but rather as
bet. When you sell, there will be a buy. Well, actually the moment that you're betting. You assume that you sell the stock will go down, while the purchase estimate that its value will rise. The percentage of 'victory' you little if you do not plunge full time to monitor the movement of the stock.
Therefore my advice, invest and not speculate.
Stock Investment Tips
The value of shares - cheap or expensive?
I mean cheap or expensive is not the price per share, but the stock price than its intrinsic value. If the intrinsic value of a share is higher than the selling price, the stock was fairly cheap.
For example, shares of PT Alam Rp 4,000 perlembarnya, but it turns out when you reckoning, actually shares worth Rp 6,000 per strip. Then the shares of PT Alam is fairly cheap.
Purchase of Shares in the company are weighted.
Before buying any stock, conscientious company! Take time to examine the management, operational, financial, competitors, and the company's potential for growth. The company's stock buy only if you are confident performance.
Eggs in a few baskets was safer
but if too many baskets even bother, do not too much to buy shares of different companies, you will hassles monitor. In addition, you gain even so not optimal when any one of your stock value increases rapidly.
The future is unpredictable
Do not believe in anyone who predicted that 'the stock price will go up' or vice versa.
There are times when you lose. Therefore, learn to minimize losses as soon as possible.
Regular evaluation.
Changes in circumstances cause the value and risks of each stock is changing, if the stock you have turned out to have no potential longer profitable, sales only.
Always provide a reserve fund.
At least you should have emergency savings, amounting to a minimum of 5-6 times your spending month. If there is a stock that is profitable, you can use the funds to buy it. Conversely, when you lose most of the investment, you still have the support fund that will give you time to bounce back.
A few reviews on stock investments.

hopefully useful ya !!


Greetings
Anas Bully



(Source: investasijutawan.com)