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Deposit is an investment instrument is safe and has a high interest rate or the lowest level of the lodge, usually you can start investing with just the first investment of Rp1 million. The period of deposit is usually 1 month, 3 months, 6 months and 12 months.

Bonds, is essentially a letter of debt issued by a company or institutional investors with the promise to pay interest periodically during a certain period and pay it nominal value at maturity. Bonds can be an alternative to long-term investment with high returns than deposits. To invest in bonds, investors must have a large amount of funds generally a corporate bond transactions made in multiple Rp 1 billion.

To adjust the investment that suitable with your self, there is  5 questions you need to ask on yourself:

1. What you need: income or capital growth?

There are investments that provide income and don’t increase in capital (such as deposits) while it is providing growth capital and only give small income (such as shares, property). Usually  both of them proportionate reversed.

To develop an investment planning, that are include difficult steps. Most investors are influenced by two main factors, namely greed and fear. When markets are in ferment, so investors fear.not sell at current prices increased but they sell when the price down.

Greed

Often occur, due to want to rush to get big profits, investors forget to think and act based on rational ‘instinct’ that was more emotional. For example, when combined stock price index increased from an 400-level for the first time and again to penetrate a 700-level, many new investors fear their greed inflame emotions.Unfortunately, not long after they buy shares, combined stock price index decreasing. What happens? Because of the less of knowledge and investment patterns that are not appropriate an advantage but they get ..read more

An employee whatever their earnings It will not be rich if they don’t save and invest their earnings. Unfortunately, many financial books that give an impression as that save and invest that is the complex to do.

there are 5 practical tips that can easily be done by employees to save and invest: 1. Set Financial Goals in the Future, 2. saving your earnings Monthly, 3. invest your bonus, 4. make productive your money 5. Set-Up your mind to take on difficult moment Try to understand each point and get the power to just talk ” who peole say that the employee can not be rich”

Planning of the invesment we intend is planning with duration for a lifetime, so that decision-making must be considered and thought for lifetime. however make decision pursuant to ‘ term’ what is selected that is term related to the 4 criterion very personal: 1. specific financial purpose for investment,we must set goals or purpose for the desired destination in the future.by specific financial purpose,we can define the steps and strategic.for example: married, build homes, the future of children and families, or start open a new business, Go up haji for Islam people or pilgrimage to holy land for clan Kristiani and for old age pensions in the future. 2. time period period in the investment levels are depending on the size of the funds needed in each period ..read more