For some people, saving not only have to put in the bank, but in products such as stocks of capital markets, mutual funds, bonds and so forth.

As CEO Sekurindo PT Kresna Graha Tbk (kren) Michael Stevens, the people of Indonesia still has not understood the concept of saving money on the stock market. In fact, he continued, the difference between the potential profit may more than or saving the bank.

“In fact, for those who have savings or deposits at the bank in addition to savings in the form of capital market products will be very beneficial,” he said last week.

Michael explained, save time or money deposited in banks tend to provide a difference in the profit (interest) which will, of course, follow the interest rate policy of the Bank Indonesia ( BI Rate). But overall, he said, the difference given by the bank under certain differences in the capital markets in the world.

“The bank did not care greatly, but safer, because the level of risk is Yes. Save the stock market more risky But do not mistake., If a portfolio management good investment, the risk will decrease, “says Michael.

Michael explains, most people think of capital needed to invest in the stock market does not need to be done periodically. Most people, he continued, think about investing in the stock market is not like saving money in the bank, which is constantly put their capital.

“That thinking does not really fit, because the capital market investors also should continue to fund their ongoing monthly savings in the bank,” explained Michael.

According to Michael, if an investor does not put their capital to invest continuously, it will be very dangerous. Because, in a way that will have a portfolio that is passive to the movement of the stock market.

Authors like these, investors with capital of U.S. $ 1,000,000 used to purchase all shares of A many as 10,000 in the price of Rp 100 per share.

If investors do not continue to purchase, the value of assets owned shares only depend on the market. If the price of a stock up 10 points, then he is the property to 1.1 million U.S. dollars.Conversely, if the stock market has dropped 10 points, then he is the property to $ 900,000.

“This is very dangerous, because he does not play an active role in the formation of prices in the market, because he did not continue to buy it constantly. If something happened that cause the stock price decreased, the property value of his stock will fall and to achieve the initial asset value is highly dependent on
market, “he said.

Well, according to Michael, if investors continue to buy shares of A is continuous, so if the stock off, investors continue to buy shares would create an average price is never buy new and lower.

“This means, if the average purchase price of her to collapse down the stock price, then the value for the initial investment does not have to wait for the stock price increase of autumn,” Mr Michael.

Authors like this, stock price is down 50 points, meaning the value of property investors $ 500,000. If the investor does not purchase a regular basis, then to restore their capital, he was waiting for a price of shares increased to 50 points.

Different if the investor purchases regularly. Call it, he had a savings RP 1,000,000 VND / month. Yes, when share prices have fallen 50 points A, he had bought with a fund of Rp 1 million. Because stock price is at the level of RP 50 (as went down 50 points), then he will receive 20
thousand shares of A.

Now counted in the first month he was with Capital USD 1 million to buy 10,000 shares of A.The second month, the same fund of Rp 1 million, he received 20,000 shares of A, because the stock price of 50 points.

So he now has 30,000 shares capital of Rp 2 million. That means your average purchase price of Rp 2 million: 30,000 shares of stock = USD $ 66.67 per share.

If the stock price of A up to U.S. $ 70 course, investors have received their capital back, plus profit margin of USD 3.33 per share.

“If these mechanisms continue to be ongoing, the stock will fall does not matter, because it will establish an average price of buying ever new, so the opportunity to get a profit larger, “says Michael.

According to Michael, does not need a large amount, investors have enough money for anything he could enter the capital market, is providing ongoing.

“Quantity does not matter, depending on individual ability, the importance of conducting ongoing monthly savings in the bank,” he said.