Want to Allocate Investment and Asset
Want to Allocate Investment and Asset
Monday, April 1, 2013, 8:18 pm
REPUBLIKA.CO.ID, Mas Hari yang baik, how to invest and allocate assets?
Hendi
Bogor
Answer WF 19:
Mas Hendi blessed God, before I discuss in more detail, let us first understanding equate the meaning of saving and investing. Saving money is set aside some of our money for the future, while investing is the way to grow our money.
If today we feel the savings we already feel invested, was not really wrong, but if the returns on these savings we can not exceed the average inflation last 10 years, it is good we are starting to invest in a place where fighting and surpassing -digit inflation.
Now what is an asset, generally an asset is anything that we have that have a certain price and can 'turn into money' when we need it.
Generally divided assets, current assets that are easy disbursement of assets such as cash, savings, deposits, gold, mutual funds, stocks. There are also non-current assets are assets that generally, use more than 1 year.
These assets usually takes time for resale. When you record an asset this is to record a little below the market price or fair. It may be noted also with resale price when you need the money like cars, apartments, houses, and more.
Now let us change a little to our understanding of the assets, the assets are:
1. What can your put money into the pockets of our
2. What can give us regular income.
If the assets include one or any two of the above definition, then we can proceed to the distribution or allocation of assets.
Asset allocation is highly dependent on our financial goals and priorities we can do. For example, if the goal is financial our children's education, then it would be different if our financial goals is worship Umrah or Hajj. As well, the level of risk associated with us as conservative, moderate or aggressive, as well as the time horizon for how long.
I tried to split the asset allocation based on 6 levels:
1.Employee or business owners
In general, if we want to have money can be obtained from working with other people (employee) or work for ourselves (self employee). Either employee or self employee can get a salary or profit from the business, it can mean putting money into our pockets. Just how we divide the results we get with the time and skills (skills) that we sacrifice.
2.Gold
From the days of our grandmothers, asset allocation by investing gold becomes a common thing that can finance our needs. In other words, although we buy gold bars weighing 1 Kg in 2013, will remain unchanged in 2029. Keep the weight is 1 Kg. However, the value will be different in the exchange rate. So this is more gold assets to hedge / hedge our assets against inflation, unless we use the variation in the form of gold dinar coin / gold coins as currency, not a commodity. If as a commodity, then what we get is a capital gains / capital gains if we sell it.
In some cases, there is also a pawn gold for venture capital, which of these profits can earn an income for us on a regular basis.
3. Intellectual Property
Initially was limited to sharing / sharing of knowledge, skills and experience or for the purpose of entertaining. But ultimately intellectual property such as books, songs etc. is becoming a commodity that is very beneficial if taken seriously. How do we see, an ordinary housewife like JK Rowling, author of the Harry Potter novels, can become suddenly rich, the queen of England Elizabeth is said to exceed his income just from pouring his ideas in the book. And unique, although the book is written only once, but can continue to get regular income from royalties and direct sales of the book. There are even books written since the 1900's to the present is still published and reprinted by the heirs to the present day in a variety of formats and languages.
4.Franchising
If we want to do business, without being subject to the zero point, then the business model of franchising can be glimpsed as generating assets. When the system is running, it will continue to generate revenue. Although ready for use, is still a struggle and hard work in the beginning. Stay if we want to start from the first step, followed SOP (Standard Operating Procedure) set by franchisor (Franchise Owner) or do we create a new franchise? This includes assets that we need to have.
5.Real estate Property
If the conventional many of us have houses and boarding places for rent, then began to grow shop (store house) for rent on a small scale. Even now, in addition to apartments for rent, is also on the rise in cities other than Jakarta made condotel (condominium hotel), hotel-room hotel that ownership of private rooms for rent, like a conventional hotel.
6. Financial Markets
If today's society we are more familiar with the savings and deposits, the instruments in the money market and capital market can also be used as an alternative in the allocation of our assets. such as bonds and sukuk to sharia, mutual funds, stocks, etc..
As for the percentage, it depends on the money we have in the distribution and analysis of asset growth with high profit back to see our financial goals as well as including the type of future are we.
Happy Investing!
This column €MOTIVASI KEUANGAN' is taken care of by WealthFlow 19 Technology Inc.., Motivation, Financial & Business Advisory (Institute of Financial Planners Motivation and Social-Spiritual-based Independent Community).
Questions sent to the email: uang@rol.republika.co.id
SMS +62815 1999 4916.
Twitter.com/h4r1soulputra
http://www.p3kcheckup.com
Monday, April 1, 2013, 8:18 pm
REPUBLIKA.CO.ID, Mas Hari yang baik, how to invest and allocate assets?
Hendi
Bogor
Answer WF 19:
Mas Hendi blessed God, before I discuss in more detail, let us first understanding equate the meaning of saving and investing. Saving money is set aside some of our money for the future, while investing is the way to grow our money.
If today we feel the savings we already feel invested, was not really wrong, but if the returns on these savings we can not exceed the average inflation last 10 years, it is good we are starting to invest in a place where fighting and surpassing -digit inflation.
Now what is an asset, generally an asset is anything that we have that have a certain price and can 'turn into money' when we need it.
Generally divided assets, current assets that are easy disbursement of assets such as cash, savings, deposits, gold, mutual funds, stocks. There are also non-current assets are assets that generally, use more than 1 year.
These assets usually takes time for resale. When you record an asset this is to record a little below the market price or fair. It may be noted also with resale price when you need the money like cars, apartments, houses, and more.
Now let us change a little to our understanding of the assets, the assets are:
1. What can your put money into the pockets of our
2. What can give us regular income.
If the assets include one or any two of the above definition, then we can proceed to the distribution or allocation of assets.
Asset allocation is highly dependent on our financial goals and priorities we can do. For example, if the goal is financial our children's education, then it would be different if our financial goals is worship Umrah or Hajj. As well, the level of risk associated with us as conservative, moderate or aggressive, as well as the time horizon for how long.
I tried to split the asset allocation based on 6 levels:
1.Employee or business owners
In general, if we want to have money can be obtained from working with other people (employee) or work for ourselves (self employee). Either employee or self employee can get a salary or profit from the business, it can mean putting money into our pockets. Just how we divide the results we get with the time and skills (skills) that we sacrifice.
2.Gold
From the days of our grandmothers, asset allocation by investing gold becomes a common thing that can finance our needs. In other words, although we buy gold bars weighing 1 Kg in 2013, will remain unchanged in 2029. Keep the weight is 1 Kg. However, the value will be different in the exchange rate. So this is more gold assets to hedge / hedge our assets against inflation, unless we use the variation in the form of gold dinar coin / gold coins as currency, not a commodity. If as a commodity, then what we get is a capital gains / capital gains if we sell it.
In some cases, there is also a pawn gold for venture capital, which of these profits can earn an income for us on a regular basis.
3. Intellectual Property
Initially was limited to sharing / sharing of knowledge, skills and experience or for the purpose of entertaining. But ultimately intellectual property such as books, songs etc. is becoming a commodity that is very beneficial if taken seriously. How do we see, an ordinary housewife like JK Rowling, author of the Harry Potter novels, can become suddenly rich, the queen of England Elizabeth is said to exceed his income just from pouring his ideas in the book. And unique, although the book is written only once, but can continue to get regular income from royalties and direct sales of the book. There are even books written since the 1900's to the present is still published and reprinted by the heirs to the present day in a variety of formats and languages.
4.Franchising
If we want to do business, without being subject to the zero point, then the business model of franchising can be glimpsed as generating assets. When the system is running, it will continue to generate revenue. Although ready for use, is still a struggle and hard work in the beginning. Stay if we want to start from the first step, followed SOP (Standard Operating Procedure) set by franchisor (Franchise Owner) or do we create a new franchise? This includes assets that we need to have.
5.Real estate Property
If the conventional many of us have houses and boarding places for rent, then began to grow shop (store house) for rent on a small scale. Even now, in addition to apartments for rent, is also on the rise in cities other than Jakarta made condotel (condominium hotel), hotel-room hotel that ownership of private rooms for rent, like a conventional hotel.
6. Financial Markets
If today's society we are more familiar with the savings and deposits, the instruments in the money market and capital market can also be used as an alternative in the allocation of our assets. such as bonds and sukuk to sharia, mutual funds, stocks, etc..
As for the percentage, it depends on the money we have in the distribution and analysis of asset growth with high profit back to see our financial goals as well as including the type of future are we.
Happy Investing!
This column €MOTIVASI KEUANGAN' is taken care of by WealthFlow 19 Technology Inc.., Motivation, Financial & Business Advisory (Institute of Financial Planners Motivation and Social-Spiritual-based Independent Community).
Questions sent to the email: uang@rol.republika.co.id
SMS +62815 1999 4916.
Twitter.com/h4r1soulputra
http://www.p3kcheckup.com
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