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Financial Planning Concept

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Financial Planning Concept Financial Planning Concept Presentation Transcript

  • Golden Financial Futures Financial Planning Concept By Rezan Kaunang, CTA,CFM,AFC Trading Specialist, Financial Consultant, Motivator
  • What is financial planning? Financial planning is the process of meeting your life goals through a “big picture” approach to managing your finances.
  • Financial Planning’s Role Financial planning helps you to: Define short- and long-term goals —what’s most important to you.
  • What Are Your Goals? Do you want to own a house, take a vacation, buy a new car?
  • What Are Your Goals? Do you want to have children and send them to private schools and pay for their college costs? 
  • What Are Your Goals? Do you want to work until a ripe old age, or retire early?
  • What Are Your Goals? Do you want to become wealthy and leave a large endowment to your alma mater?
  • Financial Planning’s Role Financial planning helps you to: Define short- and long-term goals — what’s most important to you Assess your current financial situation and commitments. Achieve your goals.
  • What Is Your Current Status? Have you already saved enough to put a down payment on your dream home?
  • What Is Your Current Status? Are you comfortable with the current allocations in your investment portfolio?
  • What Is Your Current Status? How much are you saving, and is it enough to pay for your children’s college tuition bills?
  • What Is Your Current Status? Are you in the process of changing jobs?
  • Stocks, Commodities & Currencies Market
  • W hat’s on I nvestors M ind ?
  • Ketakutan Investor disebabkan: B anyak kejadian yang mempengaruhi Investor belakangan ini : 1. Banyak perusahaan berkedok investasi yang tutup dan merugikan investor 2. Sistim pemerintah belum mengakomodir kebutuhan para investor di Indonesia dalam segi keamanan dana investor 3. Banyak perusahaan investasi yang tidak bisa menjamin keamanan dana investasi
  • Yang terpenting untuk Investor : D alam berinvestasi saat ini Investor sebaiknya mempertimbangkan : 1. K eamanan 2. K euntungan 3. J aminan & L ikuiditas
  • Dan Kabar Buruknya...... Nilai Obligasinya bernilai $13,425 Nilai Saham perusahaan besar yang dimilikinya bernilai $44,900 Nilai saham perusahaan kecil yang dimilikinya bernilai $ 131,220! KABAR BAIKNYA ....... Biaya Hidup Bulanannya, dimana hanya $1,000 pada tahun 1964.... Hari ini $5,495! Hakikat Tujuan Investasi adalah : Buatlah Simpanan finansial Anda berkembang Lebih Cepat Dari Inflasi.
  • Bagaimana Inflasi Mempengaruhi Simpanan Uang ANDA ? Nilai dari IDR 1,000,000, Setelah 7% inflasi tahunan, setelah x beberapa tahun : Kesimpulan : Resiko tidak melakukan apapun : Inflasi ! Resiko Melakukan sesuatu : Kehilangan modal ! Bagaimanapun, siapapun yang memiliki asset membutuhkan perencanaan keuangan
  • WEALTH MANAGEMENT CONCEPT Kekayaan Pribadi Apakah kita mendefinisikan kekayaan secara pribadi dan subyektif! “ Kekayaan” adalah kondisi dalam pikiran kita dimana kita merasa nyaman secara finansial. Manajemen Kekayaan Menciptakan Mesin Penghasil Uang Mengamankan Uang & Asset Memakainya dan Memberikannya (Contoh : Anggota Keluarga, Dana Sosial)
  • Indonesia Investment Benchmark Obligasi Pemerintah : 1 tahun: 9.01% 5 tahun: 10.15% 10 tahun: 10.42% Dua Aspek dari suku bunga Obligasi ini: Garansi dari modal anda Garansi pengembalian anda EKSPEKTASI PENGEMBALIAN MEDIUM RISK 3 – 10% PER BULAN DARI PENGELOLAAN SPECIALIST TRADER Siapapun yang menawarkan janji melebihi daripada ini akan membawa resiko.
  • INVESTMENT POSSIBILITIES Kunci Pertimbangan Berinvestasi: Diversifikasi Likuiditas Residential Property Real Estate Business + Fixed Interest Saham Forex Commodities Hedge Funds MORE RISK MORE RETURN Diatas adalah Investasi yang bersifat likuid INVESTMENT PYRAMID Speculative FUTURES HIGH RISK EMERGING MARKET INDIVIDUAL STOCK MEDIUM RISK EQUITIES DEVELOP MARKET LOW RISK FIXED INTEREST BONDS
  • Investment Risk Resiko simpanan di bank: Resiko spesifik Bank (bangkrut) Resiko Spesifik Negara Suku bunga tidak mampu melawan Inflasi Resiko Investasi di property: Kehilangan Nilai Tidak Likuid Resiko Spesifik Negara Resiko Investasi “Saham”: Kehilangan Nilai Volatilitas (Naik/Turun) Resiko Investasi “Obligasi”: Proteksi Modal tergantung dari issue berita obligasi Suku bunga kadang-kadang kalah dengan kenaikan inflasi Resiko investasi reksa dana: Kehilangan Nilai “ kotak hitam” Resiko investasi berjangka “Futures”: Kehilangan Modal Volatilitas Tinggi (Naik/Turun Tajam) Resiko investasi asset riil (Emas, Perhiasan, Mobil, dll) Kehilangan Nilai Tidak Likuid “ Pada Hakekatnya Setiap Investasi memiliki resiko”
  • Where is Risk, there is Opportunity! Strategies: The “follow your nose”, instinctive approach The “stay with what you’re familiar with” approach Applying common sense Using advisors and experts They can all work and they can all fail. There are no guarantees! Risk is a learning curve!
  • “ We Thank you for your attention, and we hope you are interested to put part of your investment to us, and grow your assets with us” Rezan Kaunang