Sis, I put 50% in stocks, 30% in mutual funds, 20% in crypto, right? Sis, I've invested but I'm confused about what kind of portfolio is right? If you often ask that question , hopefully everything will be answered in this video. We will discuss how to build an investment portfolio from scratch . Maybe in a previous video I have explained the style of diversification versus asset concentration, where diversification is. Don't just buy all assets so you have all of them, especially without analysis . while the concentration is more suitable for those of us who are already financially secure and have a high conviction , but for beginners it is not recommended so to build an investment portfolio from scratch means for super beginners right now and so far, maybe the money is only in savings. Now the first step is to Building an investment portfolio is "knowing yourself" Because everyone's allocations are different and must be adjusted to the character and goals of our goals. First, let's start with the risk profile . This is to measure how much investment we can accept. Right, there are people who can relax. Well , if the crypto is down by 50% , there are people too , right? who can't sleep, can't work Because the shares are down by 10% Now for these two people, the investment products are certainly different. To measure our risk profile, you can try to answer these 5 simple questions, right ? Status? Are you married or single . Do you understand investment? The answer is yes or no Have you ever invested? Yes or no and what is your investment period? Less than 5 years or more than 5 years And the 5th question If the value of your investment drops by 20%, you will sell or buy Now if many of your answers are on the left That means... we have a conservative risk profile which is fine , each person's risk profile must be different according to his background, work and current condition. Having an aggressive risk profile does not mean that he is greater or cooler. Everyone has their own place. For example , the story is that our risk profile is moderate. it means the one in the middle Oh and don't forget the risk profile can change, for example, if you are single now and then you will get married , usually it will be more conservative. After you get married, you will have dependents , and we have more people to think about . Understanding more about investing will also usually make our risk profile more aggressive. Warren Buffett's grandfather once said , "Risk comes from not knowing what you invest. " So if you don't understand, there's a risk. But if we understand, we can reduce the risk . That's the first step. Well, for example, our risk profile was moderate, OK . Remember, OK, moderate, moderate. Next, we have to know our investment objectives . is the second step. Actually, the important financial goal is when do we want to achieve this goal For example , there are people who want to buy a house next year and someone wants to buy a house in 10 years Even though it's the same, these 2 people both want to buy a house But the investment assets that are suitable for them can be different, simple, maybe like this , the financial goals are divided into 3 periods of less than a year , which are more than 1 year to 5 years and super long ones that are more than 5 years . The risk profile is moderate . We have... 2 financial goals. First, let's get married in 2 years and the second story is a boy. It's been a long time since I got married , because the story is that he might want to go out with his wife or husband first . And... his son may have just started school at the age of 4. It's also very important here for us to be able to detail every dream . Let's try to practice using my website. Well , we use feliciaputritjiasaka.com, for example, we want to get married in 2 years with a budget of 100 million and the money we have now is 10 million , which means that if we enter the numbers on this website, we find that... We must invest Rp. 3, 7 million per month in financial products such as fixed income mutual funds, gold or peer to peer lending So then maybe you get confused and ask to invest in... all three or... or what about it, sis? No , but adjust it according to what you understand. For example, from the 3 options, you know , it's in fixed income mutual funds. Yes, just in RDPT, the initial capital is Rp. 10 million, put it on RDPT and every month you can top up Rp. 3.7 million to RDPT . As time goes on you... "Oh, starting to understand about peer to peer lending , it's fun too, the returns are high too." And you can manage the risk , you can also allocate it there . But of course, start with a small capital first. The point is simple . The point is, the more we understand Well, the investment allocation can be more, now that's the first goal. Then, people still have a second goal, right, that is , they want to prepare their child's education funds to enter kindergarten, for example, he needs Rp. 25 million , let's try using the investment calculator on my website . we enter the target is 25 million and want to achieve it in 8 years, for example, we can invest IDR 300 thousand per month for 8 years in a product whose return says 15% . We can collect Rp. 55 million . This is more than enough than we need. But maybe it's possible to buy a children's bag or calculate the inflation for education, it 's quite high. Well, if it's more than 5 years, right , this is an 8-year-old child's education fund. the investment can be in crypto and stocks, so every month top up Rp. 300 k to stocks or crypto . Which point do you understand better? Rp. 3.7 million per month , there is also a goal of funding for children's education for 8 years and a top up of Rp. 300 thousand per month . Now, we can choose the right instrument according to the recommendations on the website, or if you want in short, we can see this table as well Well, the way to read it is like this . First, for those who are married in 2 years, and the risk profile is moderate , it means that our choice is in the middle , there is RDPT, there is P2P, there is gold . So, which one do you understand better, the second is for children's education funds in 8 years and our risk profile is still moderate , which means the choices are in the middle and bottom . Now, there are index mutual funds, bluechip stocks and peer to peer lending . So if we want to make an allocation, yeah First of all, don't forget to have an emergency fund, for example, this person is still single , just getting married , 6x monthly basic expenses, for example, the basic expenditure is Rp. 3 million, multiply 6 equals Rp. 18 million , in savings of Rp. 9 million and at RDPU Rp. 9 million Then in RDPT, there is 10 million initial capital for marriage and top up is Rp. 3.7 million per month . Then in bluechip stock, Rp. 300 thousand per month . So , in this percentage, the savings are Rp. 9 million, 28%, RDPU, Rp. 9 million, 28 % RDPT of IDR 13.7 million is 43% and bluechip shares are IDR 0.3 million 1%, so every month he will top up on RDPT and shares, so the investment allocation will definitely keep moving . security magic Because here we can buy stocks and mutual funds online too. If you use my magic code, you can get stock prizes too and there is no minimum investment. So it 's really friendly to start from 10 k to 100 k too . BCA and BRI are here for the long term . Well, if we look at the magic, the BCA price is around Rp. 8 thousand per sheet and if you buy at least 1 lot, Rp. 800 thousand per lot, while BRI is around Rp. 4,500 per sheet or at least buy it for Rp. 450 thousand per lot. Well, because the story is that we can only save Rp. 300 thousand per month for the child's education fund. Well, maybe this person can consider buying his shares every 2 or 3 months. or BRI Well, those are the first 3 steps to build your investment portfolio over time of course this allocation can change according to the status objectives and also Your risk profile will also change. If you have any questions, feel free to drop in a comment, maybe later I can make a sequel, I hope this video is useful. Thank you for watching and see you in the next video. Bye bye