UNAIR NEWS 鈥聽At young age, even if you are still a student, can be the right moment for someone to start investing.聽The earlier a person to be investment ‘literate’, the greater opportunity for them to achieve financial freedom when they are old.聽
With this background, the Directorate of Career Development, Entrepreneurship Incubation, and Alumni聽Affairs 聽东京热 (UNAIR) through the聽Airlangga Career Club聽held a webinar titled聽Smart and Simple Investing in the Digital Era.聽Raymond Iriantho as the speaker explained that everyone should be able to allocate funds聽smartly.
“Don’t just spend money for pleasure or daily needs, but saving for the future is also very important,” explained the Financial Mentor聽of Bibit.id.
One way to save, according to Raymond, is to invest.聽He mentioned several reasons why someone needs to invest.聽The first reason is Inflation.聽Over time, Raymond said the price of goods and services will rise.聽Therefore, when someone saves their money only in a bank or a piggy bank, the value of that money will weaken.聽Next is聽Opportunity Cost聽or loss of time that cannot be repeated.聽The point is that when we delay investing until adulthood, the capital needed will be way more and the time wasted can make the amount of our savings even bigger if we start saving from a young age.聽An equally important reason is the聽Human Life Cycle or someone can not work productively forever so it is necessary to prepare a pension fund early on.
鈥淭he last reason is聽Financial Freedom.聽We work to get money, but when the money is invested, over time it will increase in number and can finance our lives in old age,鈥 he explained.
Raymond Iriantho, Financial Mentor聽of Bibit.id聽presentation in the聽Airlangga Career Club听飞别产颈苍补谤.
In choosing the type of investment, Raymond said that mutual funds could be the right choice. The reason is, mutual fund purchases can start from 10,000 thousand and are suitable for various risk profiles and time periods.
“Don’t be afraid to start investing early so that in old age we can retire early. The key to investing is the discipline of saving,鈥 he emphasized. (*)
Author: Nikmatus Sholikhah
Editor: Feri Fenoria聽
