Financial Management

Archive for the ‘Investment Info’ Category

Potential correction amount in the second quarter, 2010 the new prime quarter ended, presents some important notes in the financial sector of Indonesia. Dramatic movement Composite Stock Price Index (CSPI) also transmitted to the excellent performance of two investment instruments.

Rupiah currency and bond markets develop into champions among other assets transacted variants investors. Despite the achievements both at the beginning of the quarter is quite impressive, it is not likely things will turn around in the next period.

Performance of emerging market assets, including bonds, looks impressive with the best performance record of 5.1 percent. Instruments that give high yields such as SUN, managed to push the currency appreciation to 3.7 percent this year. So that the rupiah could enter the ranks of the three major currencies of the 10 best performing Asian currencies most actively traded.

Amid the euphoria of the market, the star of Indonesia’s financial sector in the first quarter is still held by JCI. Index would not stop printing new record high every week. This phenomenon occurs when foreign capital flows to Indonesia stock market can not be unstoppable.

Based on data from the Indonesia Stock Exchange (BEI) in March, foreign investors buying shares to net up to Rp 4.9 trillion, after selling a property worth a total of Rp 1.6 trillion in February. JCI rate increases so far this year (Year-To-Date Return) reached 13.1 percent. But also to make Indonesia as a leader of Asian stocks beat Thailand (10.2 percent YTD Return) and Malaysia (8.9 percent YTD Return).

If we look, there is an interesting correlation between investment grade and sovereign debt with stock market performance. The atmosphere in the capital markets outside the United States (U.S.) is very flat which is the main trigger of hot money flows into emerging market assets Indonesia. However, foreign funding is short-term nature of this can be stopped at any time. Outside investors may leave the market at any time, being absorbed by the pace of economic recovery in the U.S. and Europe.

Oil Prices Affect Stocks and Make a Dollar Index Sluggish; The fall in oil prices below U.S. $ 84 per barrel, as well as exchanges in the Asia memerahnya Paisfik this afternoon triggered selling pressure on some of the leading stocks in the country who have experienced pressure yesterday.

As a result, the composite share price index (CSPI) in Indonesia Stock Exchange, Jakarta, on the first trading session on Tuesday (13 / 4) afternoon closed down 11.643 points, or 0.4 percent to a level of 2869.69 from the position yesterday at 2881.333.
As many as 99 stocks fell, and only 59 stocks rose, as well as 62 other stock price unchanged. Trading volume reached 2.97 billion with a transaction value of Rp 2.34 trillion, and the frequency of more than 70 thousand times. However, foreign investors still recorded a net purchase of Rp 157.6 billion.

Dow Jones Index only rose slightly, and closed a variety of metal prices, affecting the movement of the local index today. “In today’s trading the index will move with the trend of fluctuating closed down,” said Maxi Liesyaputra, an analyst at PT BNI Securities.

Slight weakening of the rupiah, and the fall of the exchanges in the Asia Pacific region this afternoon will again weigh the stock price index. And movement of the index today will still range between 2865 to 2890.

Stocks fall dragged the index include: Astra International slumped Rp 800 to Rp 43,750, Gudang Garam fell Rp 300 to Rp 27,300, Bank BRI fell Rp 100 to Rp 8550, Bank Mandiri fell Rp 100 to Rp 5200, United Tractor off USD 100 to Rp 18,650, Rp 50 Semen Gresik dropped to $ 8050, and PT Telkom slipped Rp 50 to Rp 8,000 per share.

“Yesterday, the index rose significantly by 36 points, after two days of experiencing penuruann thin end of last week,” he added.

Stock traded in the Asia Pacific region weakened. Tokyo Stock Exchange fell 1.2 percent, Australia’s stock exchange fell 0.79 percent, the Shanghai stock exchange fell 0.42 percent, Hong Kong’s stock exchange fell 0.56 percent, Singapore’s stock exchange fell 0.5 percent, Seoul stock exchange fell 0.4 percent, and Taiwan market also slumped 0.79 percent.

Along the red report card stock price index, the rupiah noon until around 12:15 pm entrenched at the level of 9040 per U.S. dollar, or weakened 20 points from the previous close. Regional currency depreciation makes local currency has not been able to penetrate the level of 9,000 per U.S. dollar.

Running a business from home? Why not! Necessities of life are the higher of course requires us to rack my brain looking for additional income. There is no harm if you take advantage of the potential that exists at home to start a business.

If you are observant, in fact so many home business opportunities that could be your field to earn a living. Like the food business, online business, fashion business, business services, business craft, as well as the more creative business that consumers demand.

Trend growth in home-based businesses that currently more fertile, make sure that business competition is increasing. Currently a variety of home-based business opportunity is unique, creative, emerging enliven the market, by offering a variety of exciting new products.

Well, for those of you who are looking for business ideas to start a business at home, one home-based business opportunity unique and exciting that you can try is to do business creation flannel shirt.

consumer

Colorful creations of many flannel shirts favored children and toddlers. By exploiting these market opportunities, business creation flannel shirts to make the mother as the primary target in marketing their products.

In Indonesia, civil service retirement age, 56 years, and private, between 50-55 years, may be considered too young for life expectancy in this country has risen to 70 years. It is felt by Tati who officially retired as a civil servant in the National Population and Family Planning in Jakarta at the age of 56 years.

Deputy HR Administrative Reforms Ministry of PAN, Naibaho Ramli said the retirement age of 56 years for civil servants is set by the existing regulations with the aim of giving benefits to citizens.

“It’s been in effect since 1979. So the condition in 1979. Of course there are also laws in Indonesia who said that above 60 years entered the elderly, the elderly. So the estimated time that he was given the opportunity to enjoy his life four years before becoming the elderly , “said Ramli told the BBC Naibaho Indonesia.
Second career

In development there are differences in the retirement age for certain positions, such as teacher retirement age extended to 60 years, 65 professors and even can be extended up to 70, the judge can retire at age 65 years to 70 years.

The rule applies to civil servants which currently numbers recorded 4.5 million people or about 2.1% of the total population of Indonesia. The retirement age is 58 TNI and the Police 60 years. Until 63 years men have a tendency to keep productive. Although he is retired he will continue to look for something to do to work until age 63 years. In the private sector, lower the retirement age depends on the company, but in general at the age of 50 or 55 years they were asked to retire despite working up to 60 years.

According to the Financial Intelligence consultant research institute, Masasya G Masassya who also served as Investment Director of Social Security, depending on the individual’s actual retirement age.
“Although he retired at a young age if you are able to prepare themselves well then after retirement or do not work anymore anyway can still do a second career or second career, whether as workers or entrepreneurs.

But according to the head of the Demographic Institute of the University of Indonesia, Sonny Harry Harmadi, retirement age in Indonesia is too young.
“Now with rising life expectancy, people become unproductive after 56 years of retirement age when he might still be productive for a long age,” explains Sonny.
Sign exchanges

Productivity is proven in studies that have been done by using a demographic approach. Based on that research, the life expectancy of people to work 63 years for men and 58 years for women.

Based on that calculation, he added, the retirement age policy should be reviewed, for example by raising the retirement age.

However, rapid population growth now, ie 32.5 million people over the last ten years with a total population of 237.6 million based on 2010 census results, so each year appear productive age population that is ready to enter the job market.

Deputy HR Administrative Reforms Ministry of PAN, Naibaho Ramli said the government was currently reviewing the retirement age.

“Efforts to exist but we must see the performance is still contribute or not. Do not let it become a burden,” said Ramli.

Burden of government that could arise is the pension. The longer the period of employment, the greater the pension money should be given. And this also applies to retirees of private companies.

Pensioners, who are still productive in terms of age but no longer used, this according to population experts will further add to the problem because the number of elderly people in 2030 is projected to be greater than the productive age. But this problem can be reduced if the retirees are empowered.

“The government must develop new industries that do not require great physical effort, called the silver industry, industries that employ elderly workers

A few days ago someone asked me, what kind of character must have in order to become successful entrepreneurs. Not that provide a definite list, but if you do not have one of the important characters below, the less likely you are to have a successful business.

Must have motivation.

Business requires you who took action. You have to do many things every day, and will not be resolved unless you are making yourself do it.

Do not be afraid to work hard.

If you think working for someone else is hard work, try starting your own business. Every drop of blood, sweat, tears you spend for your business. You have to work with a long time, at least early in the business.

Having experience in doing business

If you can not put a car engine, do not open the oil change business. Most successful entrepreneurs have experience in the industry started from the store. Consider working in the industry, at least part time for a year before fully plunging in the field.

If you’re just starting your network marketing business, chances are you will meet people who laugh, take them for granted or even mock your efforts in developing your network marketing business.

By the time you are in a difficult position, you can reply as follows:

“Friend, let me tell you what project I was working. Currently, I’m running a long-term project to achieve financial freedom (financial freedom). The project I’m doing now more or less like a property project. I’m building can be likened to an apartment 50 rooms to be contracted to others. “

“You yourselves know that it takes time to build apartments rather than 50 rooms? Later when it’s completed, I will enjoy the income from the contracting out 50 apartments to others. “

“Right now, I’m in the process of construction of his apartment building. Naturally if when I build the building, I need to make an investment. And of course during the construction period of the apartment building, I’m still not going to enjoy the rent, right?? “

Stop talking for a moment. The other person must realize that it is impossible to obtain the rent if the apartment building 50 rooms has not yet been built.

If you run a network marketing business, then you can be URLs of such a property tycoon who has a lot of property assets and rise office buildings. How is it possible?

Network marketing business is a long-term business that will give results in the form of residual income on an ongoing basis, although initial efforts to obtain income has been completed in the past.

A network marketers need to invest capital, take the time to build a network-marketing organizations slowly, one by one distributor distributors. At the time his organization has grown, successful and productive, residual income will be obtained continuously, although he decided to no longer actively running a network marketing business.

A property tycoon also takes a long time to plan the project properties, build the foundation, completing the construction of level by level until finally finished building buildings that generate rent money on an ongoing basis in the future.

Currently there is much talk of retirement, both to expand the age of it as if our Social Security system can handle, eventually, pensions for all citizens by accessing go pension system. Faced with a somewhat uncertain future, perhaps you are wondering if there are alternatives to expensive private ensure some financial peace of mind at the time we need it most: after retirement.

As individuals, we can access, in addition to pension plans, two products, mutual funds and insurance savings.

Investment funds are a collective savings institution, which brings together the savings of private investors to create a comprehensive forndo, managed by professionals, provides liquidity to investors. The main advantage with respect to pension plans is that the investor can redeem your money whenever you want. But also, if you do not need those savings can be maintained in the long-term fund, and can switch to other funds other as often as you desire, not to be taxed for it.

To join the portfolio of a mutual fund, the individual only has to buy a share and automatically becomes a member of the product. Since there are currently about 6000 types of funds to choose from, we find the one that best suits our needs and preferences.

Insurance savings or insured pension plans (PPP) are very similar to pension plans, and even have identical coverage, which are retirement, death disability. The main advantage of this insurance is to guarantee the invested capital plus a minimum interest rate that is now fixed at 2.5%. The main disadvantage is that you can not recover unless one of the reasons given under the insurance contract.