Passive Incomes
What is Passive Income ?
These days, people spend a lot of money for their living expenses and paying their needs, so they are eagerly figuring out a way to collect more money. They try to generate more funds from the available figure amount, we called it as Passive Income. Why we need Passive Income? Mostly people have only one full time jobs, to generate more funds, there are two ways : they should take additional jobs or side jobs or they should create passive incomes from the available balance. Due to limited time in one day, most people choose to invest their saving into several options that can make their incomes increased. From the available balance in our saving account, we can generate more funds by investing in the Capital Markets, Forex Markets, Fixed Assets, or Properties. With passive incomes, we can prepare our own retirement plan, to have vacation plan, and to fund a lot of things that we need. It is better to create a sinking fund before we decide to buy or do something, than taking a loan and paying the monthly installments. The loans can be very annoying your mind, if you are not careful during the preparation. The interest charges can make your life more miserable. |
That’s why you should avoid loans, especially consumptive loans like : Wedding party preparation loans, luxury cars loans, Birthday party loans, etc. Loans for mortgage and for the capital of new businesses, maybe we cannot avoid, we can get a lot of benefits from them. Be careful, you should avoid pending of paying the monthly installments, this will prevent you from the higher interest charges.
The best way for buying houses or starting new businesses , is using money from the passive incomes. Passive incomes will get rid the high interest charges to pay. And you will have better sleep without any worries for the high investing expenses. Passive incomes will make our lives easier, having more money will make us to have more comfortable lives.
Why we should invest?
Like mentioned before that we have limited time to work, and we should arrange ourselves to have life balances between working and personal lives, because of that we should arrange our money smartly in order to generate more funds.
By investing in several fields, we can secure our retirement plan and our future lives. So in the retirement period or our old days, you will not have difficulty of money and have a pleasant lives.
The best way for buying houses or starting new businesses , is using money from the passive incomes. Passive incomes will get rid the high interest charges to pay. And you will have better sleep without any worries for the high investing expenses. Passive incomes will make our lives easier, having more money will make us to have more comfortable lives.
Why we should invest?
Like mentioned before that we have limited time to work, and we should arrange ourselves to have life balances between working and personal lives, because of that we should arrange our money smartly in order to generate more funds.
By investing in several fields, we can secure our retirement plan and our future lives. So in the retirement period or our old days, you will not have difficulty of money and have a pleasant lives.
Where we should invest?
Several fields that have become favorite investments, can be adopted as our plan to generate passive incomes, and they can be mentioned as follows :
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Xe.com and the link
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“Previous time history results or data cannot become the 100% prediction of the future results. The investment value can be increased or reduced as the fluctuation of the stock prices in the markets.” If you are intended to get the big figure number funds immediately without having a loan, this investment can become one of your options. You can get the high value funds without any interest charges or any obligation to pay back in the future.
The one that you must remember : “ History Data cannot become the 100% determination parameter for predicting the price of the currencies, and the value of the investment can be increased or decreased as the fluctuation of the price of the currencies.”
With this investment, you can collect a lot of money as soon as possible in line with the increasing of the value of the investments.
These days in Indonesia, the Time Deposits are considered Risk Free due to the government policy applied which have made the Indonesian Banks become more Trustful and have very little risk for being liquidated. They are becoming stronger by merger with local and overseas banks in order to fulfill the Government regulations for the Capital Adequacy Ratio (CAR) and the minimum Bank’s Total Asset Requirements.
Meantime, the bonds that are issued by the governments, are considered as Risk Free Investment due to their characteristic which 100% can be positively predicted, will be fully paid at the due date. Persons who are avoiding big risks and satisfied with moderate yield, will choose this way for having Passive Incomes.
If you are willing to invest in big figure amount, cannot take high risk and your age is no longer young, the Author suggest to choose this instruments.
The weakness of this investments are you cannot predict the result 100% due to depends on the market conditions and your own luck.
For examples :
The result of renting properties also cannot be predicted 100%, the amount maybe high in Peak Season in your properties are located In Sight Seeing Area. The amount maybe just moderate as your properties located in common area. You must prepare your selves with extra money or full time jobs for your daily lives, just in case your properties are not famous or not become favorite in the society.
How we should manage our investments to get Passive Incomes?
Quote from Investment Books : “Do not put all your eggs in the same basket, if the basket is fallen, you will not have all your eggs broken.”
It is better for you, to diversify your investments into several instruments, like this :
You can adjust the percentages according your own preferences, which will be convenient for your condition. You should also consider your age when you choose the investment plan. So that, when bad thing happens to your life, you will still have enough funds or do not lose your investments 100%.
Good Luck!
Useful Resources :
http://www.advisoryhq.com/articles/best-10-top-asset-management-firms-best-asset-managers/
http://www.ipe.com/reports/top-400-asset-managers/top-400-asset-managers-2015-global-assets-top-50trn/10008262.fullarticle
http://aria.bapepam.go.id/reksadana/data.asp?page=manajer-investasi
https://en.wikipedia.org/wiki/List_of_asset_management_firms
http://www.caproasia.com/2015/08/22/35-leading-fund-management-firms-in-singapore/
http://www.trustnet.hk/HKMutualHome.aspx
http://www.investing.com/
- Investing in Forex Markets
The one that you must remember : “ History Data cannot become the 100% determination parameter for predicting the price of the currencies, and the value of the investment can be increased or decreased as the fluctuation of the price of the currencies.”
With this investment, you can collect a lot of money as soon as possible in line with the increasing of the value of the investments.
- Investing in Risk Free Instruments
These days in Indonesia, the Time Deposits are considered Risk Free due to the government policy applied which have made the Indonesian Banks become more Trustful and have very little risk for being liquidated. They are becoming stronger by merger with local and overseas banks in order to fulfill the Government regulations for the Capital Adequacy Ratio (CAR) and the minimum Bank’s Total Asset Requirements.
Meantime, the bonds that are issued by the governments, are considered as Risk Free Investment due to their characteristic which 100% can be positively predicted, will be fully paid at the due date. Persons who are avoiding big risks and satisfied with moderate yield, will choose this way for having Passive Incomes.
If you are willing to invest in big figure amount, cannot take high risk and your age is no longer young, the Author suggest to choose this instruments.
- Investing in Fixed Assets or Properties
The weakness of this investments are you cannot predict the result 100% due to depends on the market conditions and your own luck.
For examples :
- Investing in Gold Bars
- Investing in Properties
The result of renting properties also cannot be predicted 100%, the amount maybe high in Peak Season in your properties are located In Sight Seeing Area. The amount maybe just moderate as your properties located in common area. You must prepare your selves with extra money or full time jobs for your daily lives, just in case your properties are not famous or not become favorite in the society.
How we should manage our investments to get Passive Incomes?
Quote from Investment Books : “Do not put all your eggs in the same basket, if the basket is fallen, you will not have all your eggs broken.”
It is better for you, to diversify your investments into several instruments, like this :
- If You are Risk Challenger
- If You are Risk Moderate
- If Your are Risk Averter
You can adjust the percentages according your own preferences, which will be convenient for your condition. You should also consider your age when you choose the investment plan. So that, when bad thing happens to your life, you will still have enough funds or do not lose your investments 100%.
Good Luck!
Useful Resources :
http://www.advisoryhq.com/articles/best-10-top-asset-management-firms-best-asset-managers/
http://www.ipe.com/reports/top-400-asset-managers/top-400-asset-managers-2015-global-assets-top-50trn/10008262.fullarticle
http://aria.bapepam.go.id/reksadana/data.asp?page=manajer-investasi
https://en.wikipedia.org/wiki/List_of_asset_management_firms
http://www.caproasia.com/2015/08/22/35-leading-fund-management-firms-in-singapore/
http://www.trustnet.hk/HKMutualHome.aspx
http://www.investing.com/