{
    "success": true,
    "data": {
        "id": 1749453,
        "msgid": "pintar-series-designing-financial-freedom-through-understanding-investing-1779546151",
        "date": "2026-05-19 16:19:15",
        "title": "PINTAR Series: Designing Financial Freedom Through Understanding Investing",
        "author": " ",
        "source": "GALERT",
        "tags": "",
        "topic": "Investment",
        "summary": "APII, the Indonesian Association of Investment Advisers, explains its role and OJK\u2019s PINTAR Reksa Dana programme launched in April 2026 to promote regular, beginner-friendly mutual fund investing. The piece also introduces core investment concepts, Indonesian market institutions, asset classes, and the Time Value of Money, underscoring why early investing matters.",
        "content": "<p>By: Sultan<\/p>\n<p>Asosiasi Penasehat Investasi Indonesia (APII) was founded in Jakarta\non 29 October 2018 under Deed No.\u00a092 by Notary Leolin Jayayanti, SH.,\nM.Kn., as a forum for licensed Investment Advisers regulated by the\nFinancial Services Authority (OJK). APII plays a role in assisting OJK\nin improving the performance of the capital market, particularly in\nterms of the number of investors, while also providing investors with\nvalid, independent, and professional information. In addition, APII\nactively promotes financial literacy and financial inclusion through\nvarious educational activities such as workshops and investment classes\nthat work with market participants and across industries, as well as\nbecoming a partner of OJK in enforcing member conduct standards and\ncodes of ethics.<\/p>\n<p>[illustration image]<\/p>\n<p>As a concrete step by OJK in supporting financial literacy, OJK\npresents the PINTAR (Program Investasi Terencana dan Berkala) Reksa Dana\nprogramme. A programme initiative launched in April 2026 to encourage\nregular and planned investing, focusing on beginner investors via mutual\nfunds. Reksa Dana is a vehicle that pools funds from the investing\npublic to be invested in a range of Portfolio of Securities (stocks,\nbonds, and money markets) led professionally by Investment Managers.<\/p>\n<p>The modern financial architecture today rests on a fundamental\nprinciple known as Time Value of Money (TVM), or what is interpreted as\nthe value of money over time. In general, TVM is the basic principle\nthat the nominal value of money you hold today is much more valuable\nthan the same nominal amount in the future.<\/p>\n<p>Why is that? Money has a \u201ccapacity\u201d to be rotated and generate\nreturns. If you leave Rp100,000 under a pillow today, its purchasing\npower five years later will not be the same because its purchasing power\nhas eroded due to inflation. The TVM concept is the logical reason why\nleaving money idle is a loss, and why investing becomes a necessity to\nprotect wealth.<\/p>\n<p>Before diving directly into the world of investing, it is advisable\nto take note of the following information to learn more about investing\nthrough the 5W 1H approach.<\/p>\n<p>What - What Is Investing and What Is Its Purpose? Fundamentally,\ninvesting is the activity of placing a portion of funds into an asset or\nfinancial instrument with the expectation that the asset will yield a\nreturn (imbalance) or an increase in value over time. If saving is\npurely meant to maintain liquidity or short-term emergency funds,\ninvesting focuses on value growth like wealth multiplication that can be\nharvested in the future. The aims of this step are not a get-rich-quick\nscheme. For the general public, the aims of investing include the\nfollowing:<\/p>\n<ul>\n<li><p>Protecting the value of money from the threats of\ninflation<\/p><\/li>\n<li><p>Accumulating funds for future obligations, such as costs of\neducation for children or buying a home<\/p><\/li>\n<li><p>Creating financial independence through passive income that will\neventually be able to cover living costs without having to work\nactively<\/p><\/li>\n<\/ul>\n<p>Who - Who Are the Parties Involved in Investing and the Types of\nInvestment Instruments?<\/p>\n<p>In Indonesia, the governance of the capital market is regulated and\nsupervised by the Financial Services Authority (OJK) to ensure consumer\nprotection. In this ecosystem, there are several main institutions that\nplay important roles in managing and facilitating your investment\nactivities:<\/p>\n<ul>\n<li><p>Indonesia Stock Exchange (BEI): Market operator that facilitates\nbuy-sell transactions of securities (stocks, bonds) and monitors issuer\ncompliance.<\/p><\/li>\n<li><p>Indonesia Clearing and Guarantee Corporation for Securities\n(KPEI): The body responsible for clearing and guaranteeing settlement of\nbourse transactions.<\/p><\/li>\n<li><p>Indonesia Central Securities Depository (KSEI): The central\ndepository and settlement institution that provides securities\nadministration services.<\/p><\/li>\n<li><p>Investment Managers: Professionals tasked with managing\ncollective funds raised from the public investors, especially through\nmutual fund products.<\/p><\/li>\n<li><p>Securities Companies: Intermediaries that facilitate buy-sell\ntransactions of investment assets, such as stocks and bonds.<\/p><\/li>\n<li><p>Custodian Banks: Institutions that provide safekeeping and\nadministration services for the assets (Portfolio of Securities) of\nMutual Funds and investors. Custodian Banks are responsible for the\nsecurity and administration of assets.<\/p><\/li>\n<li><p>Selling Agent of Mutual Fund Securities (APERD)\/Fintech\nCompanies: all institutions or digital platforms licensed by OJK to sell\nmutual fund products, making investment access easier and more\naffordable for the general public.<\/p><\/li>\n<\/ul>\n<p>Understanding the Different Asset Classes of Mutual Funds<\/p>\n<p>Before investing, it is important to understand the fundamental\ndifferences between asset classes based on the risk-return trade-off,\nnamely, the higher the potential return, the higher the risk. Based on\nasset class, generally in Indonesia, mutual fund instruments are divided\ninto four types:<\/p>\n<ul>\n<li><p>Money Market Funds: Most investments in savings instruments, cash\nequivalents, deposits and bonds under 1 year (low risk)<\/p><\/li>\n<li><p>Fixed Income Funds (RDPT): Most investments in bonds over 1 year\n(medium risk)<\/p><\/li>\n<li><p>Equity Funds: Most investments in shares of public companies\n(high risk)<\/p><\/li>\n<li><p>Mixed\/Hybrid Funds: A blend of investment in bonds and equities\n(medium-high risk)<\/p><\/li>\n<\/ul>\n<p>Why Should We Invest Even From an Early Age?<\/p>\n<p>There is an economic phenomenon that makes someone increasingly\noptimal to invest as soon as possible:<\/p>\n<p>Firstly, the inflation effect. The fundamental figure of the capital\nmarket Benjamin Graham argued that genuine investors should not merely\nview profits nominally, but in real terms (after inflation). Traditional\nsavings that give very low interest rates are essentially unable to\noutpace the decline in value due to inflation.<\/p>\n<p>Secondly<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/pintar-series-designing-financial-freedom-through-understanding-investing-1779546151",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}