The "Three Ur" Strategy: How Smart Retail Investors Manage Their Investment Funds - INAnews

In the midst of market volatility and rampant pump-and-dump schemes, PROPAMI Chairman NS Aji Martono offers a simple yet structured strategy for retail investors: the “Three Ur” formula—dapur funds, nganggur funds, and tempur funds. “From the total funds we have, 50 percent should be designated as dapur funds, which must not be touched under any circumstances. From the remaining 50 percent, half is nganggur funds for long-term investments, and the other half is tempur funds for trading,” Aji explained during the National Public Discussion in Jakarta on Wednesday (1/4/2026). With this fund separation, investors will not panic-sell assets at the wrong time simply due to urgent needs. Aji also emphasised the importance of disciplined cut-loss practices, setting tolerable loss limits before investing, rather than after prices have fallen. He reminded that the most common mistake among retail investors is limiting profits when prices rise, but allowing losses to pile up when prices drop. An approach combining fundamental and technical analysis, along with an understanding of macroeconomics, is key to avoiding becoming victims of the recurring waves of pump-and-dump schemes.