Time for Investing Now!

Klabers that depositors and savers, already dizzy with lower interest rates now?

Indeed, low interest rates today should make us re-count with all our financial plans, especially if we make a placement container deposits as our main money because that seems to yield no longer means much less when compared to inflation.

At times like this Klabers required to be more creative in investing. If we are too dependent on the deposit, there is a risk that we will not be able to achieve our financial objectives future, especially if interest rates are? Prone? like now.

Let's see the following illustration. Suppose Klabers want to send their children Klabers the current 5-year-old out of the country at the time of the baby's 18-year-old, and the money they need now is equivalent to Rp500 million. With the assumption of inflation in the cost of overseas education, the money needed Klabers next 13 years is equivalent to the possibility of increased Rp943 million.

Well, money should we set aside to meet these needs depends on the yield (return) of our investments. Suppose we put it in a savings account that only two percent of the net interest a year, then the revenue should we set aside approximately Rp5.260.000 per month.

When we enter into a deposit of six per cent net interest a year, then the funds we need down to about Rp3.970.000 per month. Well, if Klabers put it in mutual funds that generate 10 percent of the net a year, then that should be set aside monthly will go down again to about Rp2.930.000 and so on. Not visible, the importance of investing our money in the right instrument?

Klabers should note that after the return must be balanced with the level of risk that can and dare to take Klabers. One of the main principle in finance is the higher the return offered, the greater the risk. So, not to in order to meet future needs, Klabers be careless and take the risk exceeds the level of risk that can Klabers received.