The public does not need to wait until they have surplus funds to\nstart investing. Investment can be carried out incrementally by setting\naside funds regularly and with discipline.<\/p>\n
EVP of Wealth Management at BCA, Indrawwan, noted that there is still\na prevailing notion that investment can only occur once all needs are\nmet and extra funds are available. According to him, this mindset needs\nto be changed.<\/p>\n
\u201cInvestment does not have to wait for leftover money. Sometimes\npeople hold the principle that if there is leftover or extra money, we\ncan invest it. It should be the other way around,\u201d Indrawwan stated\nduring a press conference at the BCA Wealth Summit 2026 in Jakarta on\nWednesday (9\/9\/2026).<\/p>\n
He mentioned that the public can begin investing by setting aside\nfunds periodically. The investment amount does not necessarily have to\nbe large; at BCA, for example, investment can start from as little as Rp\n10,000.<\/p>\n
\u201cSo, instead of thinking every month, \u2018oh, it\u2019s all gone, it\u2019s all\ngone,\u2019 you reverse it. And another thing, to ensure continuity, one\ncertainly needs the discipline to do so,\u201d said Indrawwan.<\/p>\n
According to him, regular investing can also assist investors in\nperforming dollar-cost averaging. This is because no one can guarantee\nwhen market conditions will rise or fall.<\/p>\n
\u201cIf we knew, we would all be rich. We would buy when the position is\ndown and sell when it is up. But we don\u2019t know,\u201d he added.<\/p>\n
Therefore, Indrawwan believes the safer method is to invest\nperiodically. In this way, investors do not need to wait for what is\nperceived to be the most opportune time to enter the market.<\/p>\n
\u201cWhat is actually the safest way? It is through averaging. So,\nroughly speaking, we could buy Rp 10,000 every day,\u201d he said.<\/p>\n
Nevertheless, he reminded the public that investments must still be\nadjusted to their risk profile and time horizon. Investors need to\nunderstand how long the funds will be invested and the level of risk\nthey can tolerate.<\/p>\n
\u201cThe important thing is having the courage to start first. Once you\nhave the courage to start, it comes back to those two basic concepts:\nrisk profile and time horizon,\u201d concluded Indrawwan.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/bca-investing-does-not-require-waiting-for-surplus-funds-1789031162", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }