ESSAY: If you were given IDR 1 Billion to invest today

If you were given IDR 1 Billion to invest today, where would you invest it?

1 Billion Rupiah. It takes the right policy for allocating it. Investment is form of asset investment is expected to provide benefits in the future. Certainly hope isn’t a failure of investments due to several factors, including safety and other forms of risk. We can’t predict the future so requires us to think idealistically. Therefore, it takes planning, selecting the right investment for long-term prosperity.

Appropriate action for me to allocate fund of 1 billion rupiah are investment, savings, and insurance. Investment options are: First, investment property is one of profitable investment for the long term. Land is a real asset of great value, don’t move and don’t depreciate. The second investment, Investment in gold, one form of additional investment can be chosen for this investment is safe, potential, and liquid. In addition, this investment is safe from inflation. Even inflation, rise in price of gold is always on top of inflation. By doing gold  deposit as form of investment is no longer feared, because gold can be deposited not physically but in the form of gold certificates. Further investment is allocated a portion of funds for investment funds. However, I must be precise in knowing, determining the Investment Manager (MI) who is qualified to raise funds and distribute funds to the investor in stocks, bonds, other financial products and be able to monitor the performance of companies whose shares are owned by several investors/customers.

The next form of investment insurance investment features. These policies benefit endowment. With combination of insurance and investment protection benefits and investment benefits. Insurance with insurance features provide insurance protection needs as well as financial planning, as well as provide access for me to be able to invest through  wide selection of investment funds in accordance with the risk profile of private and personal needs. Therefore, I have the right to make distributions on the number of PAB (Periodic Insurance Premium) and the amount of PIB (Regular Premium Investment). Next is to invest deposits and savings. With savings I can earn interest and take these funds whenever I needed. And with deposit can earn interest rates are much higher.

Long-term investment that the property, mutual funds. Preparation of short-term emergency fund is a savings and deposits. Preparation of an emergency fund if the risk of death / accident is insurance. arigatou gozaimashita :)