Preaching about the loss of customer funds, and investment accounts bulging burglary are rampant in some of the media makes us afraid to invest. Many customers are experiencing investment losses resulting from improper practices of unscrupulous financial practitioners. Afraid to invest .... Trauma .... Yeah .... sure ..... then how? Do we then promptly decided not to have to invest? ... Wah do dong ....
Nothing in this world is risk free. There are no conditions that will always be in line with expectations and desires. You may say, continue to do? what should we do? The answer: Stay invested (Fixed Investing)
Investment Planning
The investments can be planned, even had to be planned. Investment planning process is the one who became the starting point where your investment will lead to success or failure.
"Investment Planning is a process of how you accumulate assets and regular income that you have today to prepare for the funding requirements that will happen in the future".
What are the funding needs in the future? Education your child's school, where he will continue the university, preparation for your retirement fund, your sons and daughters weddings and other financial obligations that will arise in the future, that things become a necessity in your future.
Financial obligations in the future is certain to happen, you can not resist and escape. The next question is: Is Investing Is the Best Choice? Yes, as long as you do proper planning the investment is the best option.
Here are some steps you can take when planning to conduct Investment:
1. Define the purpose / usefulness of your InvestmentYou must determine what your investing goals. Are the funds you invest just for security (safety), to get a regular income (cash flow routines) or you are expecting a growth fund (growth). Once you have established which one you choose so your investment will go according to your choice. Many people when investing, do not know for what purpose. Typically they invest because his friend had seen or heard a snap and then tried to profit bandwagon. Uh, when follow-up rather than a profit even stump ....
2. Determine when an investment fund that you'll useYou should already know exactly when your funds are needed, what it's worth and for what purposes. If you already know the details when needed, then the process of selecting an appropriate investment vehicle for the purpose it will be easier. In general, investment products have been divided according to duration: short term (1-2 Years), Medium Term (2-5 Years) and Long Term (> 5 years).
3. Know your investment riskEach investment must contain risk. No investment is risk free. But you must remember behind every risk there must be benefits. Risks and benefits go hand in hand. High risk would have higher profits and vice versa. If you've been offered an investment product that there is no risk but has a higher profit then there are two things we can conclude: "The seller was a fraud, or the seller is stupid" (maaf..)
4. Determine how much money will be invested and how often you will place the fundsWhy is this important? because several investment options typically have a minimum requirement of investment placements. Therefore you need to know how much money you will invest. The point that you can instantly determine if you will invest all at once (lump sum) or will be regularly every month. It has something to do with the method of investment. Both methods are equally good investments but from some of the literature found that the more often you invest the more efficient the results of your investment.
5. Make a list of choices of investment vehiclesInvestment vehicles or instruments on the market a lot. Starting from Bonds, Stocks, Mutual Funds, ETF (Exchange Traded Fund), commodities and options. Many people start investing the first time just because they are offered by the nearest person or did not know other types of investments. Then when the investments lose money, people become traumatized. It is appropriate that you are doing research on the products in the market, then learn the character of each product. Decide which ones you think are most suitable and appropriate to the character and purpose of your investment.
6. ImplementationYou've planned, already know which investment would you choose, the funds you have prepared .., now it's time to change the plan into action / implementation. Many smart people who planned but never implemented the plan proficiency level. How will you get to the destination if you do not start running. Scared .... loh, khan you have planned well. If the plan has been prepared as possible then the implementation will run in line with expectations as well.
7. Monitor and Evaluate Your Investment fundsInvestment Monitor is useful to know what actions must be done if the implementation plan and you do it far off. You will be the key decision makers about what actions should be done. Do not rely solely on information from others or your advisor. Heartbreaking incident that happened just about the loss of billions of dollars of customer funds is that investors are overconfident full and not routinely monitor the funds.
In reality, investing is not as easy back hand .. Need to keep learning and do not give up when tripped. World Investment continues to grow and very dynamic, where the investment opportunities continue to come to you. The steps above can be used as the first reference when you want to invest. On subsequent occasions, the author will explain everything else related to the world of investment and implementation.
