Key Points:
- Investment diversification is important: Spread your investments across various assets to avoid significant losses if one investment drops.
- Easy with the digibank app: Over 120 investment products, 24/7 access, and consultations with digibank Advisors make investment diversification easy and practical.
Ever heard the saying "Money makes the world go round"? Yep, money is important. But just keeping money under the mattress or in a regular savings account isn't enough to beat inflation. Your money can lose value due to rising prices. That's why you need to invest to grow your money. But before diving into the world of investments, there's one crucial thing you need to know: investment diversification!
What is Investment Diversification? Let's Dive In!
Investment diversification is like a smart strategy to prevent losses if one type of investment suddenly drops. Imagine you have many eggs (aka money) and you place them in several different baskets. So, if one basket falls, the eggs in the other baskets are still safe. Similarly, spreading your money across various investment instruments makes your portfolio more stable and protected from market fluctuations. Diversification spreads out risk and minimizes potential losses. Essentially, diversification is like a 'safety belt' for your investment portfolio.
Investment Diversification Simulation
Got 100 million rupiah? Let's see how you can allocate your investments to grow your money while keeping it safe.
- Mutual Funds: This is like a 'basket' containing various stocks or bonds. For example, you put Rp 40 million in mutual funds. If the mutual fund gives a 10% return, the total becomes Rp 44 million.
- Deposits: A banking product with low risk and fixed returns. For example, you save Rp 30 million in deposits with a 5% return, so the total becomes Rp 31.5 million.
- Government Bonds: Government-issued debt securities that are safe and provide fixed coupons. For example, you invest Rp 30 million in bonds with a 7% return, so the total becomes Rp 32.1 million.
After a year, the total accumulation of your investments would be Rp 107.6 million. See, if one investment doesn't perform well, the others can cover it and keep your portfolio growing.
Investment Diversification with the digibank App is That Easy!
Did you know that with the digibank by DBS app, investment diversification can be done easily? Here are a few reasons why:
- Wide Range of Investment Products: Digibank offers over 120 investment products like deposits, government bonds, and mutual funds curated by PT. Infovesta. You just need to choose the ones that suit you!
- 24/7 Access: Want to buy, switch, or sell investments anytime, anywhere? Absolutely! No need to visit the bank, just use the app.
- Consultation with digibank Advisors: With a balance of just Rp 50 million, you can consult and chat directly with a digibank Advisor via phone or video call. So, if you're confused about which investment products to choose or don't have the time, you can get help from the experts.
With all these features, investment diversification becomes super easy. You can stay calm and keep updated with your investment portfolio. No more worrying about your money because digibank is always ready to help. Let's start diversifying your investments and grow your finances now with digibank!
