Selasa, 13 November 2012

Seven Investment Planning

Investing is not an easy thing for some people. Why? Let alone want to start investing, hear the word investment alone is allergic. News about the loss of customer funds, and investment accounts bulging burglary are rampant in some of the media makes us afraid to invest. Many clients who suffered investment losses resulting from the unscrupulous practice of improperly financial practitioners. Afraid to invest .... Definitely .... Trauma .... Yeah ..... then what? Are we then immediately decided not to invest? ... There is nothing in this world that is free of risk. There is no condition that will always be in line with expectations and desires. You might say, keep what? 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 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 cash needs will occur in the future".What are the funding requirements in the future? Your child's school education, where he will continue his college, prep your pension fund, your sons and daughters weddings and other financial obligations that will arise in the future, that's the things that become necessary in the future.


Financial obligations in the future is bound 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 make investments:


1. Determine the purpose / usefulness of your Investment 

You have to 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). If you've decided which one you choose then your investment will go according to your choice. Many people when investing, do not know for what purpose. Generally they invest they see or hear his impromptu gets hit and then tried to join the bandwagon. Uh, when follow-up rather than a profit even stump ....

2. Determine when your investment funds will be used 

It should be you know exactly when your funds are needed, what it's worth and for what purposes. If you already know the details of when the funds are needed then the process of choosing the appropriate investment vehicle for the purpose will be much easier. In general, investment products have been divided by duration: Short term (1-2 years), medium term (2-5 years) and long term (> 5 years).

3. Know your investment risk 

Each investment must contain risk. No investment is free from risk. But you have to remember behind every risk there must be benefits. Risk and profit go hand in hand. High risk certainly has the height advantage and vice versa. If you had been offered an investment product that is not high risk, but has the advantage that there are two things we can conclude: "The seller is a fraud, or the seller is stupid" (sorry..).

4. Determine how much money will be invested and how often you are going to put funds 

Why would this be important? because some investment options typically have a minimum requirement of investment placement. Therefore you need to know how much money you will invest. The point that you can instantly determine if you will invest at once (lump sum) or will regularly every month. It has something to do with the method of investment. Both methods are equally good but the investment of some of the literature found that the more you invest the more efficient results from your investment.5. Make a list of choices of investment vehicles 
Vehicle or investment instruments in the market a lot. Starting from Bonds, Stocks, Mutual Funds, ETFs (Exchange Traded Fund), commodities and options. Many people start investing first time just because they are offered by people nearby or does not know other types of investments. Then when investments lose money, people become traumatized. It is appropriate that you do research on the product in the market, then learn the character of each product. Decide which one you think is the most suitable and appropriate to the character and purpose of your investment.

6. Implementation

 You've planned, already knows which investment will you choose, the funds you have prepared .., now it's time for a change of plans into action / implementation. Many people are smart plan but never implemented the plan proficiency level. How will you get to your destination if you do not start running. Fear .... loh, khan you have planned well. If the plan has made the best possible implementation will be run in accordance with the expectations well.

7. Monitor and Evaluate Your Investment funds

 Investment Monitor is useful to know what actions must be done in an implementation plan and you do apparently strayed far. You will be a key decision makers regarding what action should be performed. Do not just rely on information from others or your advisor. Heartbreaking incident that had just occurred on the loss of billions of dollars of customer funds is that investors believe too full and not routinely monitor the funds.The reality is, investing is not as easy back hand .. Need to continue to learn and do not give up when tripped. World Investment continues to grow and is very dynamic, with investment opportunities continue to come to you. The steps above may be the first reference when you want to invest. On the next occasion, the author will explain other things related to the world of investment and implementation.

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