Bissniss

like to read an ad in the Compass on training investment option , and keen to seek out and develop this kind of money in the investment . Is this type of investment is a promising and profitable as the ads that I see ? I want to get a great return in the not too distant future . But I also want to invest in a safe place . Please advice. - Bernadette , Jakarta .Before answering , I wanted to ask first. Do you already have a portfolio of investments , such as mutual funds or stocks ? If not , I suggest please first collection of investment instruments such as the Option is derived from stock investment types . Actually , I can say , that the Option is not an investment because it is traded ( trading ) in the short term . Then within each of these transactions , there are those who benefit and also suffered losses . Option is a derivative investment .I myself as a financial planner always encourage clients to conduct and collect investment funds , shares , property , and precious metals first before trying other investments . Because there are many types of investments that can be used as vehicles reach our financial goals .According to Robert T Kiyosaki in his book Conspiracy of the Rich , derivatives are " weapons of mass destruction " and one of the reasons we are in a financial crisis .My advice , do not enter a type of investment that is complicated and complex to be understood . Therefore , the more complicated the more straightforward investment will lose money there .Back to your problem , Kiyosaki asserts , " Remember , one of the objectives of the financial industry is making people confused . " So , you should avoid investments you do not understand ." Pay Yourself First Concept "Is all this time you are not able to save and invest for the future bright and independent ? Is the salary was not left over ( not enough ) to enable you to have a savings or investment ? If the answer is " yes " , then you run a financial concept that ancient and wrong . No need to be sad because you are not alone .Maybe all this is the concept of saving you at the end of the month . When there is money left over from the expenditure needs of yourself and your new monthly saving. However , at the end of the month if it is not money left over , even deficit , then you missed saving money in the month .The way it will not make the rich . Now try to start using the new concept , pay yourself first at 20 percent . The point is to first set aside for the future in the face of 20 percent prior to spending for other needs and purposes of the monthly fee .New concept : Income ( revenue ) - Saving (future ) = Expenses ( needs today)Why 20 percent ?During this time many who advocate that enough to save or set aside by 10 percent. However , I think this figure is grossly inadequate . This figure comes from the overseas standard inflation they range between 3-5 percent per year . Thus , saving or investing 10 percent or equal to 2 times the rate of investment , so it is considered adequate . Meanwhile, Indonesia's inflation rate , by 8-10 percent ( whereas real inflation in the market could be more than that ) so I recommend to use 20 percent to secure and ensure the future of your own .Start of 1 percentIf it is hard to set aside 20 percent directly to the designated start of the 1 or 2 percent in the first month , and then add the same number in the following month and so on . So that at month 10 through 20 , the figure had been reached .Defeat yourselfIf you can discipline yourself and defeat the desires that are less productive to do this concept then you will be very easy to achieve various financial goals in the future . It is very difficult and perhaps the most difficult to beat yourself. But believe me , if he can beat yourself then the world will be conquered easily .