{
    "success": true,
    "data": {
        "id": 1653081,
        "msgid": "the-three-ur-strategy-how-smart-retail-investors-manage-their-investment-funds-inanews-1775159574",
        "date": "2026-04-02 23:31:55",
        "title": "The \"Three Ur\" Strategy: How Smart Retail Investors Manage Their Investment Funds - INAnews",
        "author": " ",
        "source": "GALERT",
        "tags": "",
        "topic": "Investment",
        "summary": "PROPAMI Chairman NS Aji Martono has proposed the \"Three Ur\" strategy for retail investors navigating market volatility and pump-and-dump schemes, dividing funds into 50% untouchable \"dapur\" (essentials) money, 25% \"nganggur\" (idle) for long-term investments, and 25% \"tempur\" (combat) for trading. This structured approach aims to prevent panic selling during urgent needs and promotes discipline through predefined cut-loss limits and a balanced use of fundamental, technical, and macroeconomic analysis. By avoiding common pitfalls like capping gains while letting losses accumulate, investors can better protect themselves from recurring market manipulations.",
        "content": "<p>In the midst of market volatility and rampant pump-and-dump schemes,\nPROPAMI Chairman NS Aji Martono offers a simple yet structured strategy\nfor retail investors: the \u201cThree Ur\u201d formula\u2014dapur funds, nganggur\nfunds, and tempur funds. \u201cFrom the total funds we have, 50 percent\nshould be designated as dapur funds, which must not be touched under any\ncircumstances. From the remaining 50 percent, half is nganggur funds for\nlong-term investments, and the other half is tempur funds for trading,\u201d\nAji explained during the National Public Discussion in Jakarta on\nWednesday (1\/4\/2026). With this fund separation, investors will not\npanic-sell assets at the wrong time simply due to urgent needs. Aji also\nemphasised the importance of disciplined cut-loss practices, setting\ntolerable loss limits before investing, rather than after prices have\nfallen. He reminded that the most common mistake among retail investors\nis limiting profits when prices rise, but allowing losses to pile up\nwhen prices drop. An approach combining fundamental and technical\nanalysis, along with an understanding of macroeconomics, is key to\navoiding becoming victims of the recurring waves of pump-and-dump\nschemes.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/the-three-ur-strategy-how-smart-retail-investors-manage-their-investment-funds-inanews-1775159574",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}