{
    "success": true,
    "data": {
        "id": 1678241,
        "msgid": "confused-about-starting-to-invest-heres-how-to-determine-the-right-goals-1776225052",
        "date": "2026-04-15 10:29:06",
        "title": "Confused About Starting to Invest? Here's How to Determine the Right Goals",
        "author": "Sakina Rakhma Diah Setiawan",
        "source": "KOMPAS",
        "tags": "",
        "topic": "Investment",
        "summary": "Investment planning begins with establishing clear, specific goals aligned with personal life objectives such as education, career, and family planning, influenced by factors like age, income, and living conditions. According to Morgan Stanley and Investopedia, goals should be categorised into safety, income, and growth, and divided into short, medium, and long-term horizons to create realistic strategies and avoid emotional, speculative decisions driven by market fluctuations. This foundational approach ensures investments serve long-term targets rather than short-term gains, enabling better risk management and portfolio evaluation.",
        "content": "<p>JAKARTA, KOMPAS.com - Investment planning is not merely about\nselecting instruments with the highest returns, but starts from one main\nfoundation: clear objectives. Without a measurable direction, investment\ndecisions risk becoming speculative and difficult to evaluate in the\nlong term. Quoting the official Morgan Stanley website on Wednesday\n(15\/4\/2026), having specific investment goals allows investors to\nformulate realistic plans within a certain timeframe. Meanwhile, quoting\nInvestopedia, investment goals must align with life goals, such as\neducation, career, and family planning. Factors like age, income, and\nliving conditions will also influence the form and priorities of those\ngoals. Investment goals essentially become the starting point in the\nentire financial planning process. Morgan Stanley assesses that\ninvestment is a means to achieve long-term targets, not just an activity\nto seek short-term profits. Without this framework, investors tend to\nget trapped in market fluctuations and emotional decisions. Investopedia\ndivides investment goals into several main categories, namely safety,\nincome, and growth. Each has different risk and return characteristics.\nIn practice, investors usually combine all three according to needs and\nrisk profiles. Investopedia mentions that investment goals need to be\ndivided into short-term, medium-term, and long-term to make them easier\nto manage. This division helps investors determine appropriate\nstrategies, including the type of instruments and the level of risk that\ncan be tolerated.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/confused-about-starting-to-invest-heres-how-to-determine-the-right-goals-1776225052",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}