MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES -...

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ALIYAH NATASYA MSC CFP 20s, 30s and 40s MANAGING MONEY FOR

Transcript of MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES -...

Page 1: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

ALIYAH NATASYA MSC CFP

20s, 30s and 40sMANAGING MONEY FOR

Page 2: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

BAGAIMANA PROFIL RISIKO KAMU?

MODERAT AGRESIFKONSERVATIF

PROFIL APA YANG BOLEH BELI SAHAM? SEMUA, ASAL…

Page 3: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

INVESTASI DI USIA 20-an

KARAKTER INVESTASI

o Sangat diperbolehkan agresif

o Alokasi investasi sudah memperhitungkan

Dana Darurat

o Alokasi saham bisa lebih dari 80%

o Untuk instrument seperti crypto currency dan

P2PL disarankan tidak lebih dari 10%

instrument investasi.

KARAKTER INDIVIDU

o Senang mencoba hal baru

o Belum tahu apa yang ingin dilakukan

o Bersiap memulai keluarga baru

o Sedang mengincar rumah pertama

Page 4: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

20s To Do Listbe

kerj

a ke

ras d

i kon

disi

prim

a

Memulai dunia kerja, pilihan karirmenentukan angka gaji untuk pekerjaanselanjutnya.

Memiliki asuransi kesehatan

Menyiapkan Dana Darurat 6 X Biaya Hidup

Mempelajari Personal Finance dan memulaibudgeting

Fokus membesarkan budget alokasiinvestasi beserta cara mengembangkanpotensi

Page 5: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

INVESTASI DI USIA 30-an

KARAKTER INVESTASI

• Lebih baik mengurangi agresivitas

• Alokasi investasi sudah memperhitungkan Dana Darurat

• Alokasi saham bisa 50-80%

• Menaikkan porsi obligasi.

• Untuk instrument seperti crypto currency dan P2PL

disarankan tidak lebih dari 10% instrument investasi.

KARAKTER INDIVIDU

• Karir mulai stabil

• Keluarga muda

• Sedang mengangsur rumah pertama

• Mempersiapkan dana pensiun dan dana pendidikan.

Page 6: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

30s To Do ListMe

nuju

Keh

idup

an P

rima

Asuransi Kesehatan Keluarga, Jiwa dan disability

Focus untuk mengembangkan potensiinvestasi

Menyiapkan Estate Planning

Membangun Dana Darurat 6 x

Page 7: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

KARAKTER INVESTASI

• Secara umum, harus lebih konservatif

• Alokasi saham maksimal 50%

• Porsi obligasi mendapat ruang besar.

• Ketika pensiun, tidak perlu berinvestasi

kembali.

KARAKTER INDIVIDU

• Karir sedang masa prime

• Keluarga stabil

• Sedang mengincar rumah kedua, ketiga, dst

• Mempersiapkan dana pensiun.

INVESTASI DI USIA 40 dst

Page 8: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

40s To Do ListMa

pan,

suks

es d

an b

ahag

ia

Merencanakan Pelunasan utang (KPR, KPM)

Top Up Asuransi Jiwa dan H&S

Dana Darurat sudah tersedia 6X BiayaHidup

Focus untuk mengembangkan potensi investasi

Menyiapkan Estate Planning

Page 9: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

UNDERSTANDING FINANCIAL PLANNING

VALUE ACADEMY

INVESTMENT MONEY MANAGEMENT INSURANCE

Optimalisasi instrumen short, medium and longterm investment

agar efektif

Perlindungan Jiwa, Kesehatan, harta

Pengelolaan uang sesuai life cycle dan kebutuhan

Ingat piramida keuangan, bukan?

Page 10: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

MONEY CYCYLES - Priorities & Time Change

Das Wissen eines Unternehmens f

2016Wealth Accumulation / Creation

20s 30s 40s

Wealth Preservation

Wealth Distribution

As we move through life our priorities shift and the balancebetween the quantity and quality of our lives changes accordingly.

Page 11: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

KEBUTUHAN FINANCIAL PLANNING

Das Wissen eines Unternehmens f

2016

Basic kebutuhan financial planning menyerupai di setiap level usia. Hanya level dan alokasi dalam pengelolannya yang berbeda

Dana Darurat Utang Investasi Proteksi

Budgeting Money Management Monitor & Review

20s 30s 40s

Page 12: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

TANTANGAN FINANCIAL

Das Wissen eines Unternehmens f

2016

Money management, proactive monitoring dan quality review untuk setiap perubahan life cycles

Pajak Resiko Literasi Proteksi

Suku Bunga Disabilities Monitor & Review

20s 30s 40s

Page 13: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

Lifestyle Conditions

Das Wissen eines Unternehmens f

2016

Basic kebutuhan fianncial planning menyerupai, hanya level dan alokasi dalam pengelolannya yang berbeda

Status pernikahanPosisi &

jabatan pekerjaanPendapatan Usia

Pendidikan Kondisi Kesehatan Beban Tanggung Jawab

20s 30s 40s

Page 14: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

Das Wissen eines Unternehmens f

2016

Memfokuskan pada Cash Management, Credit and Debt Management, Risk and Tax Management

Low Earnings : High Investing

20s 30s 40s

Focus on Increasing Wealth

Wealth Distribution

Maximum Earning PotentialsModerate income : high debts

Maximizing Investment & productive assets

Time is the advantage

MONEY CYCYLES - Priorities & Time Change

Page 15: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

INVESTMENT ALLOCATION TYPES

Page 16: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

INVESTMENT ALLOCATION TYPES

Page 17: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

INVESTMENT ALLOCATION TYPES

Page 18: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

USIA 20 TAHUN 30 TAHUN 40 TAHUN 50 TAHUN < Konservatif

- Cash & CE 20% 20% 20% 20%

- Fixed (Min) 40% 40% 50% 50%

- Stocks (Max) 40% 40% 30% 30%- High Profile (max) 10% 10% 10% 10%

Moderate- Cash & CE 10% 10% 10% 10%

- Fixed (Min) 30% 40% 40% 50%- Stocks (Max) 60% 50% 50% 40%

- High Profile (max) 10% 10% 10% 10%

Agresif- Cash & CE 10% 10% 10% 10%- Fixed (Min) 10% 20% 30% 40%

- Stocks (Max) 90% 80% 70% 60%

- High Profile (max) 20% 20% 20% 20%

Kenapa jika di total lebih dari 100%?

Page 19: MANAGING MONEY FOR 20s, 30s and 40sOct 02, 2020  · Ingat piramida keuangan, bukan? MONEY CYCYLES - Priorities & Time Change Das Wissen eines Unternehmens f 2016Wealth Accumulation

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