Cara Aman Gue Ubah 16rb jadi 1 Miliar, Belajar Investasi Modal Kecil

0:00 My portfolio in one application alone is already 1.5 billion. It's not much, but thank God the initial capital was only 16,000 . So, if you think you want to invest but because you weren't taught about it in school, you're afraid of the risks, afraid of not having time and it feels complicated. Well, this video guarantees that, God willing, you can get your first billion safely, but it 's not instant riches. The five lessons are one, why should you invest? Second, where is the best investment for beginners? and please don't trade stocks, don't play mutual funds. Third, when is the right time to start? Fourth, I will show you how to buy 500 top stocks using ETFs using a budget of just IDR,000. Fifth, my way of turning 16,000 into R billion and safely. Please scan what you want to know, okay? Let's go.

0:46 First, let's start from the beginning. Why should you invest? Investing is not only for rich people, even my sister who works from home has also invested. Why is it important? Because so that you sleep he still makes money. So, for example, if you have extra money of 1 to 10 million Rupiah , you can use it for shopping, put it under your pillow, or put it in a savings account. But the problem is there is something called inflation. It will reduce the value of your money slowly. For example, previously meatballs cost Rp. 5,000, now meatballs are the same, the price is Rp. 10,000. This means that the power of money is weakened. Items that could previously be purchased with a certain amount of money, now cannot be purchased with the same money. That's what inflation is. So, the

1:32 solution is to invest the money so that it grows more, so that our money grows higher than the price increase. There are two ways to make your money grow. The first way, for example, you buy Apple shares, yes, the company that makes the iPhone. Automatically, if you buy the shares, you become the owner. Apple owners, just a small part of it. If Apple is successful, more people will buy Apple phones or its stores will open more branches, then the value of its shares will increase. So your money because you own Apple will increase too. Why did I choose Apple as an example? Because one company in America like Apple is bigger than 900 companies on the IHSG in Indonesia times 4. That's a lot, right? Apple is really big . Second, compounding. There is

2:18 such a thing as a flowering flower. What it means is that you make money and your money makes more money. A simple example, you save Rp. 1 million every month . You invest your money in a place that gives an average profit of 10% per year. Well, if you are patient and consistent, after about 6 years your money will grow to approximately Rp. 100 million. Reasonable. But the crazy thing is that the next R million only took 4 years. Then it becomes less than 3 years, then it becomes less than 2 years. Then, when you're already at the yellow R billion 100 million mark, that's only a profit in 1 year, but the investment is still R million a month . Albert Einstein said it was the eighth wonder of the world that flowers bloom. It's like a snowball that rolls from small to small but the lower it gets, the bigger it gets. So, what's the conclusion

3:04 ? Money can weaken, so it must be invested because there is something called inflation. Secondly, a small investment budget can grow into a large amount if you are patient, consistent, and start early. One day your money can work for you. Your money is annoying money again. While you are sleeping, R million every year is in your hands. But what investment can give you 10% per year? Let's move on to the second part. The second part is where and how to start investing . And please don't trade, don't buy mutual funds. Please try listening first. Now you believe that investing is very important for increasing your money. But the question now is, where should you invest ? Many people who are just starting to invest usually immediately look for stocks

3:49 that are rising high and think, "Wow, I want to buy those stocks." For example BBCA, Bank BCA or Indiver or whatever. But that could be a big mistake. Why? Because something that is good today may not necessarily be good in the future. I'll prove it with a simple story. Back in 2010, Nokia was the top cellphone brand. They have a market share of 37% of all mobile phones worldwide. But 10 years later, in 2020, they only had less than 1% of the market and their stock price had fallen by more than 70%. Imagine if you had bought Sam Nokia at that time you would have suffered a huge loss. Even if we look back 40 years ago, in the 1980s, the largest companies were very different from today. In the past, companies like oil companies, car companies, and large factories were big.

4:37 But the 2000s were different. There's Ax, Walmart, Cisco. Now the big ones are Nvidia, Tesla, Google. The only thing that has remained from the past until now is Microsoft. So if you invest solely based on the company's performance today, it's not necessarily that good. So if choosing shares becomes complicated, then you have to be careful. Guess which companies will grow in the future. Which is difficult. That's why for beginners, you shouldn't buy shares or companies straight away. That's a very high risk. So what kind of investment is suitable for beginners? The answer in my opinion is an exchange traded fund or ETF. What is an ETF? ETFs are like company packages, for example the S&P 500 ETF is called ETFY. It is a list of the 500 largest companies in America.

5:22 Fund. What does fund mean? a collection of money from many people collected to buy shares. So, if you invest in an ETF, it means your money is pooled with other people's money to buy shares in the 500 largest companies in America. You immediately have a share of all those big companies . Why are ETFs safe and good for the long term? Because this is the most appropriate and easiest way to start investing without having to worry about checking the news every day or watching the ups and downs of the stock market. It's not complicated, you don't need to think at all. the capital is only around 16,000 . Even Warren Buffett, the world's number one investor with a fortune of trillions of rupiah, said the best way to own shares is through a share package. Just buy the package, not one by one. What are the benefits? If you put your money in many companies, not

6:10 just one, just one stock, the risk of domination is smaller. If you buy one share, you are like turmeric with only one egg. Yes, if the egg breaks, it seems like a profit, but it turns into a loss. But if you buy an ETF, you buy 500, 500% at once. So if one company fails, there are still 499 other companies that can help you. A good example of an investment in ETF is called QQQ investment. It is a package of 100 shares that you use every day like Google, Instagram, Microsoft WordPoint, Microsoft Word and all the talk technology companies in the world. Yes, if you buy ETSQ2, you own Apple shares, Nvidia shares, Microsoft shares, Amazon shares and dozens of other companies that are loyal to buying for just IDR 16,000 . So just by buying one ETFQQ,

6:57 you're already part of the 100 largest technology companies whose products you use. It's really cool, right? And if you look at the growth over the past 10 years, as you can see on Yahoo Finance, it's around 17% per year. And remember this investment is in US dollars. This means that if converted to rupiah, the growth could be up to 20% per year or more. Because the USD conversion rate is already high compared to Rupiah. 1 year ago it had already gone up 7%. But all IT has costs which are called expense ratios. For example, if you have IDR 150 million in an ETF with a 1% fee, that means you have to pay the broker IDR 1.5 million per year in management fees. But don't worry, ETFs have super low fees. Some are 0.1, some are 0.5%. very cheap compared to mutual funds which can reach 3 to 4%. That's what

7:43 I call a wicked thief mutual fund . Woko wok woko. Please watch this video to see what the benefits are of mutual fund and IT investments. Well, I always give two most important questions before starting to invest. First question, do you have debt with high interest rates of more than 7%? If you have one, pay off the debt first. Why? Because paying off high interest debt is like getting instant profits. For example, you have an unimportant debt, such as a loan or credit card, for example IDR 100 million with 25% interest. That means you lose R25 million per year just to pay the interest. Rather than losing the money, it's better to pay it off first . It's the same as if you got a 25% profit without having to invest. So, the

8:30 second question, do you have an emergency fund of 3 to 6 months? The emergency fund is to help you if an unexpected event occurs . For example, if the car breaks down, for example, if your older sibling is sick, for example, if you get laid off, and so on. If you don't have any, you will be forced to sell your investments when prices drop or you are at a loss. So, make sure to pay off the debt with the highest interest first. Second, have an emergency fund of 3 to 6 months of your expenses before you start investing. Now how much money does it take to get started? The good news is you can start with just Rp. 16,000. But the results of course depend on how much money you put in. Let's give an example. For example, if you invest 000 shares and the stock goes up 10%, that means

9:17 you make a profit of 15%. But if you invest IDR 150 million, the stock rises 10%, you make a profit of IDR 15 million. The rule is to invest money that you don't need in the near future. For example, if you want to buy a house next year, don't invest it. now because you'll need it soon. But investing is not an instant strategy, you can't get rich quickly. Investments must be long- term, there's no need to panic when stock prices drop. Oh yes, if you don't understand, you can ask in the comments column. And if you want to join my community for free and get an easy and free investment template, you can also click on the comments column in the description below. Okay, let's

10:03 continue with the third part. When is the right time to start? The right time to start is 20 years ago. The right time to start again is today. To, it only starts from 16,000 . So, we made a simulation between Budi who started first versus Ani who started later but had more money . Well, let's try. Well, for example, Budi and Ani are now both 65 years old. Budi started investing from the age of 20 to the age of 40. Only 20 years. He puts in R3 million every month into a place that can make his money grow. His name is ETFY. After the age of 40, Budi stopped investing. But he just let his money grow on its own until the age of 65. Ani only started investing at the age of 40 until the age of 65 was longer. Same as R3 million per month too. The investment is the same in ETFY

10:50 for 25 years. Guess who has more money at 65? Who started first or who invested more? Yes, maybe you already know the answer. It's true, those who start first have less money and more. Budi has 23 billion, Ani 3.7 billion. It's very different. Why? Even though Bundi only saved for 20 years. He only has R20 million. Ani R00 million savings mainly 25 years. Budi gave his money time to grow longer. The money can earn interest from the age of 20 to 65 45 years. Meanwhile, Ani's money only grew from the age of 40 to 65, only 25 years. So even though Ani saved more, she took longer to invest. That's the power of

11:36 investing and compound interest. The next question is, how long should I hold the shares or ETF investment before selling? For those of you who are just starting out, if you buy shares or EDF, don't do it short term. Hold it for more than 5 years if possible, 10 15 if possible like Budi earlier, 40 years. So, after buying the singsing, you can see it. But why? Because many people panic when they see the price going down, teachers keep selling. Even though that was a big mistake. That's called public selling. And that's the main reason many people lose money in stocks. Look at this chart. Ups and downs are completely normal. But in the long term it will definitely go up. So what matters is not when you buy, but how long you hold the investment .

12:21 90% of investors can't beat the stock package of America's 500 largest companies . They know that if you persevere, your money will likely increase in the future. Now the question is, which ETF investments are good to consider and invest in, and how do you buy them? Well, here are three examples of cool and cheap IDFs. One, SDY. This is the content of the 500 largest companies in America. This company's PP is stable and suitable for beginners. It's like investing in the entire American economy, and the cost is cheap, only 0.2% per year. Because the profit is 12.2% per year. Can you please tell me which fund can provide that much at the lowest cost? Please write in the comments column. The second one, KTF QQQ Fun Guuard which we

13:07 call grow inf. He is to grow fast. The contents of the fast-growing companies are mostly top technology companies like these companies. You use the items every day. The profit potential is higher but it is a little more risky. Suitable for those of you who are young and dare to take risks. The fee is 0.5% per year. The annual increase is 17% per year for the past 10 years. Once again tell me Rex which fund can give you that high with this low cost? Write in the comments column again, okay? Lastly, the ETFPYM squad dividend ETF. It's filled with the stomachs of companies that diligently distribute dividends. Cash for investors. Suitable for those who want regular income from ETF investments. The fee is very cheap, only 0.064%. Super cheap. Suitable for parents or those who

13:53 like passive income. Just stay there and get money. Okay, now I want to show you how to buy real shares. Well, for example, you use a broker called Ajaib broker. Just register an account. Just look for the ITQQ chat whose contents we discussed earlier. Netflix, Google, Facebook, Instagram, Nvidia, and dozens of other sub-technologies. Just click buy. That's it, you can show off to people that you are the owner of Netflix, Google, Instagram and the technology companies we mentioned earlier. Because you are only the owner of a small part of it. If you want to sell later, just click sell. Fill in the amount, select market or limit order. Click confirm . But remember, that's what we said, don't buy it and sell it straight away. Detained for 5, 10, 15 years and then returned home . Then you ask, what are the risks? Can it be 2%? The answer is yes. So we come to the

14:39 last point. Well, the fifth one. Investing in ETFs like the SMV 500, the top 500 companies in America, has a 0% risk. And how can a 16,000 house become a billion rupiah. Come on, let's look at this chart. Why can I say the risk is 0%? This chart, based on a nearly 100-year track record, shows that if we invest for just one day, the chance of our investment in SNP under ET ETFY being positive is 53%. This means that the possibility of a loss of 43% is very high. That's if it's 1 day, right? But if we invest for more than 20 years for the long term, for our retirement, for our children, based on research, the positive chance is 100%. This means 0% chance of being minus. you could say plus to 0% risk based on this riser. This is called investment. Investment

15:27 must be profitable. So, let's get into how to turn 16,000 into R billion. For example, if we invest Rp16,000 per day, that means you invest Rp480,000 per month with an average return of, for example, 17% per year, like the ETFQ we discussed earlier. In 21 years your money will be R billion. If you continue for 30 years, your money could grow to more than 4 billion. If you continue to the 40th year, the money becomes 19 billion. Still, but still at just IDR 16,000 per day. Yes, it's not instant. That's why Warren Buffet is the most successful investor in the world. 99% of his wealth came after the age of 50. He started small, was patient, and didn't rush. And how many people work? Decades but don't have enough retirement savings

16:13 . There wasn't even a billion in his savings when NASA retired. But friends, you should also know about Bitcoin ETF investments and how to retire from IT investments as an employee, which you can watch in these two videos. Thanks for watching. Peace be upon you. Yeah.