Financial Experts Advise Communities To Save And Invest After Obtaining THR

Illustration. (Photo: Doc. Antara)

JAKARTA - Financial experts say that people need to be wise in using holiday allowances (THR), which can partly be allocated for savings and investment. "In addition to the holiday needs, THR can also be used to save, invest, to pay debts," said Head of Research and Advisory of Bank Commonwealth

He said THR can be used as a momentum to start saving and investing regularly and with discipline in order to achieve financial goals. It is better to set aside savings and investment from the start receiving THR, as much as 20 percent of THR. Emergency funds can be saved for unexpected situations such as accidents, home damage, or job loss. "Surely avoid using THR for unnecessary and excessive consumption," he said. The choice of financial instruments suitable for investment can be adjusted to the investment objectives and risk profiles of each individual.

Risk assets such as equity and fixed income have good potential in 2024, supported by Indonesia's economic growth and the potential for cutting Bank Indonesia interest rates.

Investor konservatif disarankan fokus pada kelas aset pendapatan tetap seperti obligasi atau reksa dana pendapatan tetap.

Moderate investors can maintain balanced portfolios between equity and fixed income asset classes, while aggressive investors and long investment periods can optimize equity assets classes such as mutual stock funds.