{"id":4768,"date":"2017-03-03T09:56:11","date_gmt":"2017-03-03T02:56:11","guid":{"rendered":"http:\/\/library.uc.ac.id\/?p=4768"},"modified":"2025-05-01T10:57:27","modified_gmt":"2025-05-01T03:57:27","slug":"ban-serep-investasi","status":"publish","type":"post","link":"https:\/\/www.ciputra.ac.id\/library\/ban-serep-investasi\/","title":{"rendered":"Ban Serep Investasi"},"content":{"rendered":"<p><a ref=\"magnificPopup\" href=\"https:\/\/dieng.blob.core.windows.net\/library\/2017\/03\/Ban-Serep-Investasi.-Kontan.-23-Juli-2016.-Hal.6.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-4769\" src=\"https:\/\/dieng.blob.core.windows.net\/library\/2017\/03\/Ban-Serep-Investasi.-Kontan.-23-Juli-2016.-Hal.6.jpg\" alt=\"Ban Serep Investasi. Kontan. 23 Juli 2016. Hal.6\" width=\"1139\" height=\"1231\" \/><\/a><\/p>\n<p><strong>Eko P. Pratomo<\/strong><\/p>\n<p>Senior advisor PT BNP Paribas Investment Partner<\/p>\n<p>Ketika anda mudik menjelang Idul Fitri beberapa waktu lalu,\u2019 beranikah andah mengendarai Mobil tanpa ban serep? Hampir tidak ada orang yang berani melakukan perjalanan jauh dengan mobil tanpa memastikan ada ban serep yang siap digunakan didalam mobil jika dibutuhkan .<\/p>\n<p>Keberadaan dana darurat (emergency fund), walaupun peruntukannya lebih untuk menutup biaya \u2013biaya yang timbul akibat terjadinya suatu keadaan darurat (kehilangan perjalanan bencana dan sebagainya), dana darurat juga berperan agar \u201c perjalanan\u201d investasi jangka panjang untuk memenuhi suatu kebutuhan masa depan tidak terganggu. Layaknya ban serep dimobil yang akan melindungi anda hingga sampai tujuan ar.<\/p>\n<p>Dana darurat yang umumnya antara 3-12 kali\u00a0 pengeluaran bulanan ini memang menjadi prioritas, sebelum anda memulai berinvestasi. Artinya, jika anda belum memiliki dana darurat, tabungan yang bisa disisikan dari penghasilan setiap bulan, bonus, THR dan penghasilan lain yang tidak digunakan untuk biaya hidup rutin bulanan, hendaknya diprioritaskan untuk membentuk dana darurat.<\/p>\n<p>Jika pengeluaran rutin bulanan anda Rp 10 juta dari penghasilan 12 juta, untuk membentuk dana darurat 3 x Rp 10 juta = Rp 30 juta, anda butuh menabung selama 15 bulan @Rp.2 juta, jika tidak ada sumber dana selain tabungan bulanan, oleh karena itu mempercepat terbentuknya dana darurat gunakan juga sumber penghasilan lain, seperti bonus, THR, agar anda bisa segera memulai berinvestasi.<\/p>\n<p>Mengapa dana darurat dibutuhkan untuk melindungi investasi anda? Investasi yang tujuannya untuk memenuhi kebutuhan hidup jangka panjang (misalnya dana pensiun), umumnya diinvestasikan juga ke instrumen jangka panjang, seperti saham atau reksa dana saham yang memiliki potensi imbal hasil maupun fluktuasi (risiko) relative tinggi.<\/p>\n<p>Jika tidak memiliki dana darurat, sementara anda sudah memiliki investasi jangka panjan, seperti saham, ketika terjadi kondisi darurat yang bersamaan pasar saham lesu, anda mengalami dua kerugian. <em>pertama <\/em>harus menjual investasi anda untuk memperoleh dana tunai menutupi kebutuhan darurat, yang berakibat tujuan investasi jangka panjang terganggu. <em>Kedua<\/em> nilai saham ketika terpaksa dijual bisa dibawah nilai ketika membeli, sehinggga anda terpaksa melakukan realisasi kerugian yang tidak perlu terjadi jika memiliki dana darurat.<\/p>\n<p><strong>Sumber:\u00a0<\/strong>Kontan.-23-Juli-2016.-Hal.6<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Eko P. Pratomo Senior advisor PT BNP Paribas Investment Partner Ketika anda mudik menjelang Idul Fitri beberapa waktu lalu,\u2019 beranikah andah mengendarai Mobil tanpa ban serep? Hampir tidak ada orang yang berani melakukan perjalanan jauh dengan mobil tanpa memastikan ada ban serep yang siap digunakan didalam mobil jika dibutuhkan . Keberadaan dana darurat (emergency fund),&#8230;<\/p>\n","protected":false},"author":1,"featured_media":4769,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-4768","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ban Serep Investasi - Library<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ciputra.ac.id\/library\/ban-serep-investasi\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ban Serep Investasi - Library\" \/>\n<meta property=\"og:description\" content=\"Eko P. Pratomo Senior advisor PT BNP Paribas Investment Partner Ketika anda mudik menjelang Idul Fitri beberapa waktu lalu,\u2019 beranikah andah mengendarai Mobil tanpa ban serep? Hampir tidak ada orang yang berani melakukan perjalanan jauh dengan mobil tanpa memastikan ada ban serep yang siap digunakan didalam mobil jika dibutuhkan . 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