Today, we live in an era of convenience and instant gratification: food orders arrive in minutes, and items purchased today are guaranteed to arrive tomorrow. Before we know it, that “instant” mindset has also crept into how we view and manage money. Many people want to get rich quickly through shortcuts. Investing is no longer seen as a way to build long-term assets, but rather as a means to generate short-term profits.
On social media, people showcase screenshots of green portfolios with high returns, as if investing requires little effort. The problem is, not many people talk about losses, panic, or poor decision-making. This ultimately shapes the perception that getting rich is fast, easy, and doesn’t require a long process.
As a result, many people enter the world of investing with a shallow foundation: recommendations. Decisions are based on trust—trust in friends and influencers. When asset values decline, many feel disappointed and even traumatized, not knowing what to do or whom to blame.
Play Smart, Don’t Just FOMO
There’s a saying, “You can’t love what you don’t know.” In the context of investing, this couldn’t be more relevant. Before choosing an investment instrument, we need to define our investment goals, time horizon, liquidity needs, and risk tolerance. Without this foundation, investment decisions become speculation rather than strategy.
Simply put, investment decisions can be understood through three main needs: liquidity, income, and growth. Each has its own distinct characteristics. For a more detailed explanation of their differences, you can visit the following link.
What if you need all three at the same time? Do you have to choose one and ignore the others?
With the right investment planning, these three needs can be met without neglecting any of them:
- Liquidity: For example, preparing a down payment for a car loan within three months. Suitable options include Money Market Mutual Funds (e.g., Bahana Gebyar Dana Likuid and Manulife Dana Kas II A2), which are relatively low-risk and easy to liquidate for short-term needs.
- Income: For instance, generating additional cash flow to help cover monthly electricity bills. Suitable options include Fixed-Income Mutual Funds (e.g., Manulife Obligasi Unggulan and Ashmore Dana Obligasi Nusantara), as well as Retail Bonds (ORI/SR/ST/SBR), which provide periodic dividends or coupon payments to support routine expenses.
- Growth: For long-term goals such as retirement planning. Suitable options include Equity Mutual Funds (e.g., BNP Paribas Equity and BNP Paribas SRI Kehati) and stocks, which offer potential for higher capital growth, although with greater volatility.
Note:- Use dollar cost averaging strategy if you don’t have time and the expertise in managing investment
- Dollar cost averaging: an investment approach where you invest a fixed amount of money regularly, regardless of market conditions. This strategy helps lower the average cost per unit over time and removes the need to time the market.
- Example: Investing IDR1 million every time you receive your salary on the 25th of each month.
Strategy, Not Sensation
Ultimately, becoming “rich without risk” doesn’t mean avoiding risk altogether, but rather understanding it and knowing how to manage it. Investing is like two sides of a coin: it’s not only about pursuing the highest possible returns, but also about ensuring your money is available when you need it and continues to grow over time. So, start planning your investment strategy on myBCA today!
Disclaimer
The investment products listed on this page are not BCA products, are not obligations of BCA, are not guaranteed by BCA, and are not part of third-party deposits. These products involve investment risks, including but not limited to the potential loss of the entire invested capital.
Any information presented on this page does not constitute a recommendation or advice from BCA for customers to invest in any specific investment product. BCA shall not be held liable for any consequences or losses that may arise from a customer’s decision to rely on the information provided on this page. All such consequences and losses are solely the responsibility of the customer.
