Investment , the importance of science supplies

JAKARTA . Enough knowledge about an investment instrument before deciding to place the assets , is one of the main requirements that must be owned by investors . " When buying a stock , you should understand what you are buying stocks , " Whitney said Prasetyo , Senior Vice President Consumer Retail Investment and Treasury Head at Citi Indonesia .

The first experience that makes investing nan pahitlah Harsya tight hold of these principles. Twelve years ago when I was studying in Australia , Whitney dared to invest in shares of mining companies and telecommunications in the Aussie . " Choosing the shares based on the recommendation of friends , " her story .

Unfortunate , choice mining stock prices continue to decline . At that time, Whitney was still calm , yet the stock is a long term investment .

However , the company is finally removed alias delisted from the exchange. While investing in shares of telecom Harsya memble well , not even the capital to buy back . " I no longer wanted to invest only on what the word friend , " he recalls .

When returned to Indonesia , Whitney tried to switch the investment in fixed income mutual funds and foreign exchange . After going back to Australia to take professional title Chartered Financial Analyst ( CFA ) , he began to seriously invest . The options , stock mutual funds , fixed income and stocks .

diversification of risk

Whitney admitted , had panicked , as the tsunami in the global financial markets in 2008 . " Panicking because cutloss was -30% , " he said . Whitney said , when he was carried away , swept up Overtrading market .

This dramatic experience to make a serious Harsya diversifying assets to divide the risk . In addition to the mutual fund shares , he also spread their investment funds into bonds and property .

He acknowledged , though has diversified its assets , it is not possible investors fail to avoid losses. The reason is, when financial markets fall , all kinds of investments in markets ranging from stocks, bonds , to commodities , fell in unison . " So , in times of crisis , diversification of investment sometimes be not very meaningful , " he said .

However , according to Whitney , diversification of assets will be very useful when investors have to equip themselves with enough cash to survive as a tactic ( holding power) . " So when the market falls , we hold to defend it. Problem is that most people can not stand because it would need money when the market minus , " he said .

To stay calm when the market turmoil , Whitney suggested , that investors always equip themselves with an emergency fund equal to 12 times the minimum monthly living expenses . " With this emergency fund , we feel the benefits of asset diversification , " said Whitney .

After the market collapse felt in 2008 , while still picking stocks , Whitney is now also focusing on the mutual fund invests its capital stock as a long term investment . Because the goal is long-term investment , Whitney did not panic , despite the pressure drop due to the global market .

" On average my purchase price is still low , but not why . I felt I became more comfortable , more peaceful , " he said .

Painting as the continued investment

As a professional in the financial industry , it is not strange if Harsya Prasetyo more funds play in financial market products . However , Whitney admitted he actually became interested in investment opportunities in the painting .

Interests that have emerged in the Whitney exhibition came in Melbourne, Australia , in 2004. One of the paintings on display impressionisme style is the work of Van Gogh .

Whitney fell in love and harbored a desire to have them someday. " Because of the joy , then I think , to buy his paintings repro if anything I would not get the original , " says Whitney .

More and more just heard about the breadth of opportunities to invest in paintings , Whitney increasingly eager to collect paintings . At least the next two years , the painting can be included in its investment portfolio . " It is merely the focus of love , " said Whitney .

For now, Whitney admits that they obstructed the limitations of time in selecting a suitable painting for their collection as well as an investment .

In addition to painting , men born 34 years ago is also planning on having a second property . Although he considered, investing in property risk is big enough . " Ideally , both should be quite expensive property so that the rent is too expensive , " he said .

Thus, the Whitney could have sufficient funds to compensate for the risk when there is damage to the rented property. ( Kontan.co.id )