INVESTMENT

INVESTMENT



1. The

The harafiah, investment is saving money with the purpose of obtaining the expected return greater than the deposit interest rate to meet the goals you want to achieve with the time frames and in accordance with the ability akan capital. Or can be defined as a sacrifice in the form of delays in expenditure for the current benefit (return) is better in the future.

In other words, the more simple / simple, investment is a way for someone to manage money either with dibelikan property, or ditabung to be planted in a business with the goal of profit after / before the specified period.



2. Forms of investment

In daily life there are some forms of investment that we know, among which are:

1. Investment property

Investment property can be of the amount of money in the form of property, the most commonly performed is usually in the form of gold, a house or land.



2. Equity investment

Equity investment is generally associated with the purchase and keep stock in a stock market investment by individuals and funds in anticipating income from dividend and profit as the value of capital stock increases. It is also sometimes associated with the acquisition of shares (ownership) to participate in a private company (not recorded at the exchange) or a new company (a company being created or newly created). When the investment is done on the new company, it is referred to as Venture Capital and investment in general have understood the risk of larger investments in situations where the stock was done in exchange.



3. Investment Risks

Usually, there are 3 risk ditakutkan most people will do when their investment, namely:

1. Decrease in value of Investment

Risk that most people ditakuti when investing in general is "What will I lose money?" Most people may say "no" when asked like that. Because there are people who do not want to lose money. However, every investment there are certain risk. The difference is only on the size. There are investment products that the risk is big enough, there is currently, there are small.

Now if you invest, we must consider how much value you are willing to decrease your responsibility if you lose? 10 percent? 20 percent? 50 percent? Or 100 percent? Regardless of loss you are willing to responsibility, remember that it is part of investing. Do not ever expect you will continue to speculate. Is a loss, we must occasionally experienced. Because the presence of losses, it is experience that makes us so much more invested in learning.

2. The difficulty of Sale Investment Products

Risk of second most ditakuti people to invest when investment is whether the product is easy dibelinya for sale / diuangkan again. Some people may be happy to invest in gold because gold is considered easy re-sale. However, there are also people who invest in the currency to U.S. dollars, and dollars are quick inclusion to the bank. This is because when the dollar was kept in the cupboard, the physical condition of paper money may be decreased, and that sometimes will make a time when the dollar would be sold again. Know, some banks often do not want to receive or purchase foreign currency when your money situation physical torn, damaged or dingy.

Other examples of investment product that is not always easy to re-sale is a collection of goods. Goods collections are generally not easily re-sale market because the buyer the goods are very specific. Painting, for example. Because of a specific market, namely that their hobby will be painting as well, not always easy to sell the painting. But, once sold, the price could be very high and gives the rather fortunately for those who sell them.

So, before you decide to invest, you should first know how easy it is the product of your investment can be sold again. Do not invest until you can not sell them but, because the goods sold is difficult.

3. Investment Results Provided Not Increase Price of Goods and Services

Imagine if you invested in the deposit interest rate to give 10 percent a year, while in the year the price of goods and services increased 15 percent even? This often happens, not too high because the price increase of goods and services, but because of the selected product itself will not necessarily appropriate.

Maybe some of you want the investment product that is safe and conservative. However, the consequence is that the investment results obtained may not match the price increase of goods and services. If you hold it naturally from year to year, then you will go bankrupt.

What should you do to address this risk? Do not close themselves to information. Learn investment products that you may not know, and then try to go there considering all the consequences. The long run, you can certainly overcome the high price increase of goods and services to invest in products that are potentially to be able to give results higher than the price increase of goods.

4. How to Reduce the Risk of Investment

To reduce the risk, the easiest way is to invest in various investment facilities. This is called creating a portfolio investment. The objective of this investment is to reduce losses that may arise from a means of closing the investment with profit earned from the investment of the other. For example, invest in mutual funds and on savings. If both benefit the investor will not suffer losses. But what if one of them a loss, for example, the value of mutual funds or bank dilikuidasi down? With the portfolio expected loss is then one of the investment could be reduced by other benefits from the investment. If both of them losers, meaning that if investors use the trial in a Sharia investment and may be a warning or punishment, even if the investment is not appropriate sharia.

So the core is to reduce the risk of investment portfolio: "do not lay many eggs in one basket" because if you drop, then the egg will be more broken than if put in the basket if the basket some of the other does not fall.


5. Investment Products

In general, products are grouped based on the investment results into 2 groups, namely:

Fixed Income Investment products (fixed income investment), the investment product that is certain to provide income (usually called interest), and the money you invested will not recede. Example: Deposit and Savings in the Bank.

Product Investment Growth (growth income investment), the product does not provide investment results that include certain interest, but only returns when the re-sale with a higher value. Example: stocks, gold, houses, goods collection, foreign currency. Risk products such as this is the money you invest can be decreased when nilanya investment products that are sold with a lower price than the price when you buy it.

6. Investment Decision Process

Investment decision process is a continuous decision (on going process) with the following stages:

The purpose of determining the investment

In determining the purpose of investing there are a few things that must be the period of investment (short / long), the target return would be achieved.

Determination of Investment Policy

Investors should understand the risks (risk profile) are whether the risk or avoid risk, how much funds will be invested, the flexibility in the time for investors to monitor investments, capital markets knowledge akan.

Selection strategy and portfolio assets

After knowing the things on point 1 and 2 above then we can form a portfolio that is expected to efficiently and optimally.

Measurement and evaluation of portfolio performance

Measure the performance of a portfolio that has been formed, whether in accordance with the goals already. Tool to measure the performance of portfolio 3 is popular enough that the measures Sharpe's, Treynor's and Jensen measures measures.


7. Commodities

Commodities related to the stock companies that produce raw materials such as oil, gold, silver and base metal-metal, such as Almunium, copper and zinc.

From : http://www.infovesta.com/roller/vesta/entry/apa_itu_investasi
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