Hong Kong's MPF Soars by $4.5 Billion in Q1, Netting $936 Per Member

In the first quarter, Hong Kong and Chinese equities outperformed all other asset categories, whereas US equities declined, as reported by MPF Ratings. <p> The 4.75 million members of Hong Kong's Mandatory Provident Fund (MPF) received an average of HK$7,300 (US$936) in the initial three months of this year, with the pension fund benefiting from improved conditions. a stock-market rally . </p> <p> On Thursday, the MPF announced aHK$34.8 billion investment return for the first quarter, as per data provided by MPF Ratings, an independent research company. </p> <p> The 379 individual funds under the MPF achieved an average return of 2.7 percent in the initial quarter, marking the highest performance since a 4.1 percent increase in the first quarter of 2023. As for the year 2024, the MPF reported a return of 8.8 percent. </p> <p> Are you looking for insights into the most significant issues and global developments? Find your answers here. SCMP Knowledge Our latest platform features handpicked content including explainers, FAQs, analyses, and infographics, all provided by our esteemed team of experts. </p> <p> The outcome increased the MPF's overall assets to HK$1.338 trillion by the end of March. This figure includes both investment returns and fresh contributions made by members, amounting to HK$279,100 for each individual. Compared to the previous year, this represents a growth of 13%, reflecting an average rise of HK$30,000 per member’s portfolio. </p> <p> "Significantly, Hong Kong and Chinese equities outperformed all other asset categories in the first quarter, whereas US equities declined," stated Francis Chung, who serves as the chairman of MPF Ratings. </p> <p> This performance discrepancy should be a stern reminder for the unprecedented number of MPF members who shifted from Hong Kong and China stocks to U.S. equities over the past year. </p> <p> In the first quarter, Hong Kong and China equity funds led with returns of 12 percent, trailed by European equity funds which saw gains of 6.3 percent. Other equity funds completed the top trio with a return of 4.4 percent, according to data provided by MPF Ratings. </p> <p> US equity funds had the poorest performance, declining by 5.3 percent, whereas global equity funds dropped by 1.8 percent. </p> <p> The favorable outcome of the MPF was supported by a market upturn that ensued. artificial-intelligence start-up DeepSeek's launch of two potent yet budget-friendly extensive language models in January. </p> <p> Approximately one-third of the MPF's equity assets are allocated to the Hong Kong stock market, according to Kenrick Chung, who serves as the Chief Corporate Solutions Officer at Bay Insurance Brokers. </p> <p> "In addition, the growing array of economic stimulus measures implemented by the Chinese government provides momentum for expansion," he stated. </p> <p> The Hang Seng Index has risen by 15 percent this year following an increase of 18 percent in 2024, whereas the Hang Seng Tech Index has seen a gain of 21 percent year-to-date. </p> <p> In contrast, the S&P 500 dropped 4.6 percent during the initial three months of the year, marking its poorest performance at the beginning of a year since the opening quarter of 2022. Experts pointed to concerns over inflation and an impending U.S. recession as reasons for this decline. </p> <p> Launched in 2000, Hong Kong’s Mandatory Provident Fund (MPF) is a required savings program where both employers and employees contribute monthly amounts. These contributions can make up to 5 percent of the employee's monthly income towards their retirement fund. </p> <p> The required contribution has an upper limit of HK$3,000 per month—HK$1,500 contributed by each the employee and their employer. These contributions go into investment options selected by the members themselves. The money can be withdrawn once the individual reaches 65 years of age. </p> <p> According to the data from MPF Ratings, mixed-asset funds, which include investments in both stocks and bonds, saw an increase of 3.6 percent during the initial three months of the year. </p> <p> A standard investment strategy (SIS) that adopts a varied approach to investing globally in both equities and fixed-income securities adjusts the level of risk based on an individual’s age. This particular method showed inconsistent outcomes; SIS choices with greater emphasis on stocks experienced a decline of 0.4 percent during the initial three months, whereas those leaning towards bond investments saw a rise of 0.5 percent. </p> <p> Moving forward, Chung from Bay Insurance advised the members to remain cautious about potential market fluctuations for the rest of 2025. </p> <p> While the newly formed U.S. administration is posing a threat to the global economy through proposed increases in tariffs, other nations stand ready to counter these moves," he stated. "Such tariff hikes could trigger inflation within the United States, which would consequently impact both the interest rates set by the U.S. Federal Reserve and various economic activities within the country. Members of the MPF should brace themselves for potential volatility in financial markets. </p> <p> Members of the Mandatory Provident Fund (MPF) who are comfortable with taking on greater risks might want to allocate some of their savings into Hong Kong and Chinese equity funds. The reasoning behind this advice is that the mainland authorities possess numerous strategies for stimulating economic activity, an effort that will likely have positive ripple effects on Hong Kong’s economy as well, he explained. </p> <p> More Articles from SCMP </p> <p> A Japanese student attracted 32 million views after being the sole individual to unearth an eight-year-old time capsule. </p> <p> Can constitutional challenges cause more delays or potentially halt Hutchison’s agreement with Panama? </p> <p> How Hong Kong’s Tofu Restaurant, Established Over a Century Ago, Has Delighted Generations of Soy Enthusiasts </p> <p> Solar fury blinds China’s stealth-detecting radar, inspiring cosmic early warning network </p> <p> The article initially appeared on the South China Morning Post (www.scmp.com), which is the premier source for news coverage of China and Asia. </p> <p> Copyright © 2025. South China Morning Post Publishers Ltd. All rights reserved. </p>

Hong Kong's MPF Soars by $4.5 Billion in Q1, Netting $936 Per Member

DIWIDA.NEWS

In the first quarter, Hong Kong and Chinese equities outperformed all other asset categories, whereas US equities declined, as reported by MPF Ratings. The 4.75 million members of Hong Kong's Mandat…

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Harga Emas Perhiasan Hari Ini: Turun Rp16.000, Temukan Peluang Investasi Terbaik Jumat 4 April 2025

<img data-document-id="cms/api/amp/image/AA1AzXuF" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1AzXuF.jpg"/> <p> <strong> PIKIRAN RAKYAT - </strong> Harga perhiasan emas menunjukkan variasi pada Jumat, 4 April 2025. Ketika dibandingkan dengan nilai sebelumnya pada tanggal 3 April 2025, ada penurunan di beberapa jenis emas. Di bawah ini adalah detail harga dari perhiasan emas berdasarkan tingkat kekadarannya saat ini: </p> <h2> Harga Logam Mulia Perhiasan pada Tanggal 4 April 2025 </h2> <h3> Harga Emas 10 Karat </h3> <ul> <li> Harga setiap gram: Rp698.505 (menurun sebesar Rp6.990) </li> <li> Harga setiap ons: Rp21.725.950 (penurunan sebesar Rp217.406) </li> <li> Harga per kilogram: Rp698.505.498 (turun Rp6.989.794) </li> </ul> <h3> Harga Emas 14 Karat </h3> <ul> <li> Harga per gram: Rp977.908 (turun Rp9.785) </li> <li> Harga per ons: Rp30.416.329 (turun Rp304.370) </li> <li> Harga per kilogram: Rp977.907.698 (turun Rp9.785.711) </li> </ul> <h3> Harga Emas 18 Karat </h3> <ul> <li> Harga tiap gram:Rp1.257.310 (berkurang sebesar Rp12.582) </li> <li> Harga tiap ons:Rp 39.106.709 (berkurang Rp391.333) </li> <li> Harga tiap kilogram: Rp1.257.309.897 (menurun sebesar Rp12.581.629) </li> </ul> <h3> Harga Emas 22 Karat </h3> <ul> <li> Harga tiap gram:Rp1.536.712 (menurun sebesar Rp15.378) </li> <li> Harga tiap ons:Rp47.797.089 (berkurang sebesar Rp478.295) </li> <li> Harga tiap kilogram: Rp1.536.712.096 (berkurang menjadi Rp15.377.547) </li> </ul> <h3> Harga Logam Mulia 24 Karat (Emas Asli) </h3> <ul> <li> Harga tiap gram: Rp1.676.413 (penurunan sebesar Rp16.776) </li> <li> Harga tiap ons:Rp52.142.279 (berkurang sebesar Rp521.776) </li> <li> Harga tiap kilogram: Rp1.676.413.196 (berkurang sebesar Rp16.775.505) </li> </ul> <h2> Saran Investasi Emas Perhiasan Saat Ini </h2> <p> Harga perhiasan emas saat ini turun di tingkatan variasi kekaratan yang berbeda. Hal ini membawa sejumlah poin penting untuk para investor dipertimbangkan: </p> <ul> <li> <strong> Waktu Yang Pas Untuk Membeli </strong> </li> </ul> <p> Penurunan nilai logam mulia untuk kalung dan gelang, khususnya dengan kadar 18K sampai 24K, bisa jadi kesempatan bagus buat Anda yang mau memperluas koleksi perhiasan ataupun menggeluti investasi di bidang ini. Dengan harga yang lebih murah sekarang, akan ada untung tambahan ketika nilainya meningkat lagi di masa depan. </p> <ul> <li> <strong> Tunda Penjualan </strong> </li> </ul> <p> Mengingat harga emas yang sedang anjlok, menjualnya sekarang mungkin bukanlah pilihan terbaik. Bila tak ada keperluan mendesak, alangkah baiknya untuk menahan diri dan menanti harganya naik lagi agar dapat meraih laba yang lebih tinggi. </p> <ul> <li> <strong> Buyback Bisa Ditunda </strong> </li> </ul> <p> Apabila berencana melaksanakan buyback atau menjual kembali emas kepada toko emas ataupun penyedia jasa buyback, lebih baik menantikan saat di mana harga cenderung stabil atau meningkat agar bisa mendapat nilai yang lebih besar. </p> <ul> <li> <strong> Pantau Tren Pasar </strong> </li> </ul> <p> Harga perhiasan emas tetap tidak menentu, dengan kemungkinan berubahnya nilai tersebut dalam minggu-minggu mendatang. Mengawasi perkembangan harga logam mulia di pasar internasional serta kondisi ekonomi global secara keseluruhan dapat mempermudah Anda untuk membuat pilihan investasi yang bijaksana. </p> <p> Mengingat situasi terkini, berinvestasi dalam perhiasan emas dapat menjadi opsi yang menjanjikan, sedangkan untuk penjualan emas sebaiknya diundur hingga nilai jual kembali meningkat. *** </p>

Harga Emas Perhiasan Hari Ini: Turun Rp16.000, Temukan Peluang Investasi Terbaik Jumat 4 April 2025

DIWIDA.NEWS

PIKIRAN RAKYAT - Harga perhiasan emas menunjukkan variasi pada Jumat, 4 April 2025. Ketika dibandingkan dengan nilai sebelumnya pada tanggal 3 April 2025, ada penurunan di beberapa jenis emas.…

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Ekonomi Indonesia Terpuruk? Deflasi 2025, PHK Meningkat, Daya Beli Menurun Drastis, Pergerakan Ekonomi Lesu!

<strong> PIKIRAN RAKYAT – </strong> Pada awal tahun 2025 tercatat adanya deflasi yang menunjukkan penurunan daya beli publik. Meskipun ada pergerakan uang selama periode Ramadhan dan Idul Fitri 2025, hal tersebut dikatakan masih tidak cukup untuk meningkatkan kemampuan membeli masyarakat. <p> Walaupun pemerintah melihat deflasi sebagai bukti sukses mereka dalam menjaga stabilitas harga, beberapa ahli ekonomi malah memandang situasi tersebut sebagai petunjuk pelemahan konsumsi di dalam negeri yang memiliki dampak luas terhadap bermacam-macam sektor ekonomi. </p> <p> Guru Besar Fakultas Ekonomi dan Bisnis di Universitas Muhammadiyah Surakarta (UMS), Anton Agus Setyawan, menggarisbawahi efek dari deflasi terhadap industri manufaktur. Ia menyatakan bahwa penurunan kemampuan konsumen dapat memicu kenaikan tingkat pengangguran. </p> <p> "Pada tahun 2025 awal, lebih dari 14.000 tenaga kerja terdidik kehilangan pekerjaannya karena menurunnya produktivitas dalam industri pengolahan. Ini mempengaruhi pemasukan keluarga dan secara bertahap mengurangi kemampuan konsumsi orang-orang," jelas Anton. </p> <p> Bukan hanya industri perusahaan, tetapi bidang perdagangan dan layanan pun merasakan pengaruh yang sama. Kondisi menjadi lebih buruk karena adanya ketidakepastian dalam skala dunia pasca pandeminya COVID-19, di mana hal tersebut terus-menerus menimbulkan krisis energi serta konflik politik internasional. </p> <p> Anton berpendapat bahwa langkah-langkah yang diambil oleh pemerintah, termasuk diskonto tagihan listrik dan skema subsidi jalan tol saat liburan Idulfitri, masih kurang efektif dalam mengatasi masalah-masalah fundamental pada ekonomi. Dia merekomendasikan agar pihak berwenang meningkatkan skala program dukungan sosial untuk melindungi kemampuan konsumsi penduduk. </p> <h2> <strong> Sektor Perhotelan Mengalami Kemunduran, Dua Tempat Penginapan di Bogor Ditutup </strong> </h2> <strong> <img data-document-id="cms/api/amp/image/AA1CbGm3" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1CbGm3.jpg"/> </strong> <p> Pengurangan kemampuan membeli juga berpengaruh pada sektor perhotelan. Dua buah hotel di Kota Bogor, Jawa Barat, harus menutup karena kurangnya tingkat hunian, yang mengakibatkan lebih dari 150 orang pegawai kehilangan pekerjaannya. </p> <p> Ketua Umum Perhimpunan Hotel dan Restoran Indonesia (PHRI), Hariyadi Sukamdani, menyatakan bahwa apabila kemampuan konsumen untuk membeli tak cepat pulih, PHK dalam bidang perhotelan cenderung semakin bertambah. </p> <p> "Kemarin, dua buah hotel di Bogor tutup, dampaknya sebanyak 150 karyawan menjadi pengangguran. Apabila situasi ini masih berlangsung, mungkin akan lebih banyak lagi hotel-hotel yang bangkrut," ungkap Hariyadi. </p> <p> Hariyadi juga menunjukkan bahwa tingkat hunian hotel saat Lebaran 2025 turun sekitar 20 persen bila dibandingkan dengan periode yang sama di tahun sebelumnya. Proses pemesanan kamar cenderung lebih lambat dan tidak bertahan sampai akhir musim liburan seperti biasanya. </p> <p> Dia menginginkan pemerintah untuk secepatnya mengeksekusi kebijakan pengeluaran yang bisa meningkatkan hunian di hotel. Sebab, bagian dari pemerintahan telah memberi kontribusi hingga 40% terhadap jumlah pesanan kamar hotel secara keseluruhan. </p> <h2> <strong> Kembali Turunnya Jumlah Orang Mudik Saat Lebaran Tahun 2025 </strong> </h2> <strong> <img data-document-id="cms/api/amp/image/AA1CbGmb" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1CbGmb.jpg"/> </strong> <p> Hasil survei dari Kementerian Perhubungan menunjukkan bahwa perkiraan jumlah pemudik untuk Idulfitri pada tahun 2025 adalah sekitar 146,48 juta orang, mengalami penurunan sebesar 24,34% jika dibandingkan dengan angka di tahun lalu yang tercatat sebanyak 193,6 juta orang. </p> <p> Kepala Biro Komunikasi dan Informasi Publik di Kemenhub, Budi Rahardjo, mengkonfirmasi adanya pengurangan dalam mobilitas masyarakat saat musim mudik kali ini. Akan tetapi, mereka enggan menyebutkan faktor utama yang menjadi sebab penurunan itu. </p> <p> "Betul, jumlah orang yang diprediksikan akan berpindah selama arus balik Lebaran tahun ini (2025) lebih rendah daripada tahun sebelumnya," kata Kepala Biro Komunikasi dan Informasi Publik di Kemenhub, Budi Rahardjo, pada hari Sabtu, 22 Maret 2025. </p> <p> Pada saat bersamaan, informasi dari Sistem Informasi Angkutan dan Sarana Transportasi Indonesia (Siasati) menyatakan bahwa sampai dengan hari ke-3 sebelum Hari Raya Idul Fitri, total penumpang dari kelima jenis angkutan umum ini telah mencapai 6,75 juta jiwa, berkurang sekitar 4,8% dibanding periode serupa pada tahun lalu. Jenis layanan perjalanan yang melihat penurunan signifikan terjadi pada bus antarkota antarprovinsi (AKAP) yaitu sebesar 10,2%, disusul oleh maskapai penerbangan (6,8%) serta kapal laut (4,8%). </p> <p> Direktur Kebijakan Publik di Center of Economic and Law Studies (Celios), Media Wahyudi Askar, mengatakan bahwa salah satu alasan penurunan jumlah orang yang pulang kampung adalah karena rendahnya kemampuan pembelian publik. Dia juga menyebutkan bahwa bertambahnya biaya bahan kebutuhan dasar serta jasa perjalanan sebagai beban tambahan bagi warga dalam membuat pilihan untuk melakukan perjalanan pulang. </p> <p> “Hal lain yang perlu diperhatikan adalah ketidakstabilan bisnis dan kelumpuhan gaji. Sebagian besar orang lebih memilih untuk mengurangi pengeluaran, bahkan hingga tidak pulang kampung, demi melindungi kesetimbangan finansial mereka," jelas Askar. </p> <p> Di luar aspek finansial, penurunan dukungan sosial ikut membentuk pilihan masyarakat untuk pulang kampung. Di tahun 2025, dana bantuan social mengalami pengurangan kurang lebih 16% jika dibandingkan dengan periode sebelumnya, yaitu dari total Rp168 triliun menurun menjadi Rp140 triliun. Dana tersebut secara signifikan telah dipakai oleh warga untuk pemenuhan keperluan pokok serta sebagai modal dalam menjalankan bisnis di daerah asal mereka. </p> <h2> <strong> Pergerakan Uang di Momen Lebaran Berkurang </strong> </h2> <strong> <img data-document-id="cms/api/amp/image/AA1CbGmd" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1CbGmd.jpg"/> </strong> <p> Wakil Ketua Umum bidang Pengembangan Otonomi Daerah dari Kamar Dagang dan Industri (Kadin) Indonesia, Sarman Simanjorang, mengestimasi bahwa volume transaksi selama Idul Fitri tahun ini sebesar Rp137,9 triliun, yang mana angka tersebut turun jika dibandingkan dengan jumlah di tahun 2024 yaitu Rp157,3 triliun. </p> <p> "Kemerosotan itu sesuai dengan penurunan jumlah orang yang mudik," ujar Sarman dalam pernyataannya, pada hari Selasa, 1 April 2025. </p> <p> Pada saat yang sama, Ekonom dari Indef, Eko Listiyanto, mengemukakan bahwa ketidakstabilan ekonomi memiliki dampak langsung terhadap kemampuan konsumen untuk berbelanja. Dia menyebutkan adanya peningkatan PHK di bidang industri manufaktur juga ikut mempengaruhi pilihan masyarakat dalam hal pengeluaran serta merencanakan pulang kampung mereka. </p> <p> "Ketika kemampuan pembelian masyarakat menurun, hal ini secara langsung mempengaruhi pola belanja dan perjalanan pulang kampung. Banyak orang lebih memilih untuk tetap bertahan di tempat tinggal mereka di kota tersebut dikarenakan kendala keuangan," jelas Eko Listiyanto. </p> <p> Di samping itu, pembelian barang-barang penting dan fashion saat bulan Ramadhan terlihat mandek jika dibandingkan dengan tahun-tahun sebelumnya. "Hal ini mencerminkan bahwa orang-orang semakin teliti dalam merencanakan pengeluaran finansial," tandasnya. </p> <p> Mengingat adanya sejumlah elemen yang mempengaruhi penurunan kemampuan pembelian, diharapkan pihak pemerintah bisa merancang tindakan krusial guna meningkatkan pengeluaran publik serta meniadakan efek jangka panjang terhadap kondisi ekonomi dalam negeri. *** </p>

Ekonomi Indonesia Terpuruk? Deflasi 2025, PHK Meningkat, Daya Beli Menurun Drastis, Pergerakan Ekonomi Lesu!

DIWIDA.NEWS

PIKIRAN RAKYAT – Pada awal tahun 2025 tercatat adanya deflasi yang menunjukkan penurunan daya beli publik. Meskipun ada pergerakan uang selama periode Ramadhan dan Idul Fitri 2025, hal tersebut dika…

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4 Tips Mudah Mulai Berinvestasi bagi Mahasiswa, Yuk Coba!

<p> Sebenarnya, investasi tidak hanya ditujukan untuk mereka yang telah bekerja atau memiliki pendapatan tetapi juga dapat diawali bahkan saat seseorang masih menjadi mahasiswa. Dengan berinvestasi semenjak dini, para pelajar mampu merintis kemerdekaan ekonomi dan mendapatkan manfaat secara jangka panjang dalam menghadapi masa depannya. </p> <p> Banyak pelajar universitas mungkin merasa enggan untuk memulai investasi karena mereka percaya itu memerlukan dana besar atau khawatir akan menghadapi kerugian. Dengan saran di bawah ini, mahasiswa masih dapat membuka investasi yang cocok dengan kapabilitas finansialnya serta menjaga tingkat risikonya dalam batasan yang terkendali dengan baik. </p> <h2> 1. Dimulai dengan jumlah yang rendah </h2> <img data-document-id="cms/api/amp/image/AA1CbUOR" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1CbUOR.jpg"/> <p> Sebenarnya, mahasiswa tidak harus menunggu hingga memiliki banyak dana jika ingin mulai berinvestasi. Ini disebabkan oleh adanya berbagai pilihan yang tersedia. platform Investasi yang bisa membantu mahasiswa mengawali proses investasi dengan dana minimal sekitar Rp10 ribu sampai Rp100 ribu, menjadikannya pilihan yang hemat biaya. </p> <p> Dengan sejumlah uang yang sedikit tersebut, tak mengherankan jika mahasiswa dapat belajar tentang beragam metode operasional investasi tanpa perlu khawatir tentang risiko finansial signifikan dari pengeluaran mereka. Dalam prosesnya dan setelah semakin paham akan taktik-taktik investasi ini, besarnya modal yang diinvestasikan pun dapat dinaikkan secara bertahap sesuai kapabilitas individunya. </p> <h2> 2. Tentukan alat investasi yang tepat untuk Anda </h2> <img data-document-id="cms/api/amp/image/AA1Bp8BY" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1Bp8BY.jpg"/> <p> Faktanya, tidak seluruh tipe investasi sesuai untuk mahasiswa, lebih-lebih bagi mereka dengan batasan dana dan tanpa penghasilan tetap. Beberapa instrumen investasi, misalnya reksadana saham, blue chip, atau emas digital sebetulnya bisa dijadikan sebagai pilihan karena lebih mudah untuk dikelola, serta risikonya yang cukup rendah. </p> <p> Reksadana biasanya ditangani oleh pakar pengelola keuangan profesional, sehingga mahasiswa tidak perlu kesulitan mempelajari pasar secara mandiri. Di sisi lain, berinvestasi dalam bentuk emas digital dapat menjadi opsi yang handal, karena harganya relatif lebih konsisten untuk tujuan jangka panjang. </p> <h2> 3. Gunakanlah aplikasi berinvestasi yang sederhana dalam penggunaannya. </h2> <img data-document-id="cms/api/amp/image/AA1Bp8C4" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1Bp8C4.jpg"/> <p> Saat ini telah tersedia cukup banyak aplikasi investasi khusus bagi pemula, seperti halnya mahasiswa, dengan antarmuka yang simpel dan mudah dimengerti. Fitur-fiturnya tidak hanya memudahkan proses transaksi investasi, tetapi juga menawarkan beragam materi pembelajaran yang bisa membantu mahasiswa dalam menguasai konsep-konsep dasar dari investasi. </p> <p> Sebelum menentukan pilihan aplikasi, lebih baik jika kamu bisa mengonfirmasi terlebih dulu bahwa platform yang sudah tercatat secara resmi di Otoritas Jasa Keuangan (OJK), sehingga mengurangi risiko penipuan. Memakai platform yang terjamin keamanannya pastinya akan menambah rasa nyaman, dan juga memastikan bahwa modal untuk berinvestasi dikelola dengan benar. </p> <h2> 4. Tetap konsisten dan bersabar saat melakukan investasi </h2> <img data-document-id="cms/api/amp/image/AA1BCuft" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1BCuft.jpg"/> <p> Investasi tidak boleh dianggap sebagai metode cepat untuk mendapatkan laba dalam skala besar, oleh karena itu diperlukan waktu tertentu sebelum dapat merasakan manfaatnya. Mahasiswa harus membiasakan diri menyisihkan uang dan melakukan investasi secara konsisten, walaupun dengan nominal kecil, supaya dampak positifnya baru terlihat pada masa depan. </p> <p> Sangat penting untuk terus menunjukkan kesabaran dan tidak gampang cemas saat harga dari investasi berubah-ubah. Minimal dengan menggunakan cara pandang yang stabil dan konsistente. mindset Jika persiapan jangka panjangnya bagus, mahasiswa dapat meraih keuntungan yang lebih besar berkaitan dengan investasi jangka panjang mereka. </p> <p> Mengawali investasi ketika menjadi mahasiswa ternyata adalah strategi bijak untuk mencapai kemerdekaan ekonomi di hari depan. Lebih jauh lagi, jumlah uang yang digunakan tidak perlu sangat tinggi, dan dapat menyesuaikan pilihan jenis investasinya dengan kapabilitas individu tersebut. Tak ada alasan untuk ragu dalam melakukan investasi asalkan sudah memiliki persiapan dan pengetahuan yang cukup! </p>

4 Tips Mudah Mulai Berinvestasi bagi Mahasiswa, Yuk Coba!

DIWIDA.NEWS

Sebenarnya, investasi tidak hanya ditujukan untuk mereka yang telah bekerja atau memiliki pendapatan tetapi juga dapat diawali bahkan saat seseorang masih menjadi mahasiswa. Dengan berinvestasi seme…

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Here’s how a 40-year-old could start investing £100 per week to retire early

<img data-document-id="cms/api/amp/image/AA13PhLc" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA13PhLc.jpg"/> <p> Retirement can seem a long way off for many people. A financially savvy worker can turn that long-term timeframe to their advantage and start investing sooner rather than later to help fund their retirement. </p> <p> For example, if a 40-year-old started today by investing £100 each week in carefully chosen blue-chip shares, I reckon they could grow their wealth and potentially retire early . </p> <h2 class="wp-block-heading" id="h-regular-saving-can-help-build-a-sizeable-retirement-fund"> Regular saving can help build a sizeable retirement fund </h2> <p> Of course, starting at 30 would be even better than starting at 40 – and at 20 would be even better than at 30! </p> <p> Unfortunately, though, many of us do not realise that (or have other spending priorities) until it is too late. Even at 40, fortunately, an investor could still make a big difference to their retirement fund if they start investing immediately. </p> <p> Putting £100 per week into a Stocks and Shares ISA or SIPP and compounding it at 10% annually, after 25 years the investor will have a retirement fund of close to £535k. </p> <p> That could help them draw an income (for example, via dividends) and retire earlier than otherwise . </p> <h2 class="wp-block-heading" id="h-building-a-quality-portfolio-of-great-shares"> Building a quality portfolio of great shares </h2> <p> A goal of 10% might not sound too challenging. After all, FTSE 100 insurer <strong> Phoenix </strong> <strong> Group </strong> ( LSE: PHNX ) currently offers a dividend yield of 10.2% and has been a consistent dividend raiser in recent years. Some other blue-chip shares also offer high yields. </p> <p> But there are several things to bear in mind. That compound annual growth rate includes good years as well as bad. It also includes capital gain (or loss), as well as dividends. </p> <p> Phoenix has a generous dividend yield, but its share price has fallen 11% in the past five years. </p> <p> On top of that, it is always important to diversify across different shares in case one of them disappoints. Over the decades between age 40 and retirement, that is much more likely to happen than it may seem to an investor when they first start investing! </p> <p> But with the right approach and investing mindset , I think a 10% compound annual growth rate could be achievable. </p> <h2 class="wp-block-heading" id="h-one-share-to-consider"> One share to consider </h2> <p> In fact, I do still think Phoenix is a share to consider for its long-term potential. </p> <p> The insurance sector is extensive and doesn’t seem poised for significant shrinkage anytime soon, as far as I can tell. Given its approximately 12 million clients and near £300 billion in volume, Phoenix operates a massive enterprise capable of producing substantial surplus funds. This financial cushion is beneficial when supporting sizeable dividend payouts. </p> <p> All stocks come with risks, including Phoenix. One aspect is their portfolio of mortgages, which relies on specific valuation assumptions. Should a downturn in the property market lead to significant drops in prices, these assumptions might prove insufficient. This could force Phoenix to reassess the value of its mortgage book, potentially reducing profit margins. </p> <p> Looking ahead over the longer term, however, I believe the established enterprise still holds considerable promise. </p> <p> The post For someone who is 40 years old aiming to retire early, here’s how they might begin by investing £100 each week. appeared first on The Motley Fool UK . </p> <div class="above-disclaimer-pitch-snippet"> <h2> Should you invest £1,000 in Phoenix Group Holdings Plc right now? </h2> <p> When investing expert Mark Rogers has a stock tip, it can pay to listen. After all, the flagship Motley Fool Share Advisor newsletter he has run for nearly a decade has provided thousands of paying members with top stock recommendations from the UK and US markets. </p> <p> And right now, Mark thinks there are 6 standout stocks that investors should consider buying. Want to see if Phoenix Group Holdings Plc made the list? </p> <p> See the 6 stocks </p> </div> <p> <strong> More reading </strong> </p> <ul> <li> I enquired of ChaGPT about a leading UK dividend stock for my 2025 ISA — and I was delighted with the result! </li> <li> Is the highest dividend from the FTSE 100, offering a 10.3% yield, worth looking into now? </li> <li> The 2025 Stocks and Shares ISA countdown has begun! It’s time to start planning. </li> <li> A 10% yield! Could this be a rare opportunity, perhaps occurring only once every ten years, to think about purchasing FTSE income stocks such as this one? </li> <li> Aiming for £100 per week in passive income? Think about investing in these UK-based stocks. </li> </ul> <p> C Ruane does not hold any positions in the shares mentioned. The Motley Fool UK also has no stake in these shares. Opinions regarding the companies discussed in this piece belong to the author and might diverge from the formal recommendations provided through our service offerings like Share Advisor, Hidden Winners, and Pro. At The Motley Fool, we feel that evaluating multiple perspectives contributes significantly to making well-informed decisions. us better investors. </p>

Here’s how a 40-year-old could start investing £100 per week to retire early

DIWIDA.NEWS

Retirement can seem a long way off for many people. A financially savvy worker can turn that long-term timeframe to their advantage and start investing sooner rather than later to help fund their re…

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Europe's Wealth Gap Widens: A Few Places Bucking the Trend

<img data-document-id="cms/api/amp/video/AA1qguJC" data-reference="video"/> <p> Centuries back, amassing great wealth in Europe was closely tied to residing in its major trading hubs and engaging in profitable business sectors. </p> <p> However, this is no longer the truth. According to the newest Centi-Millionaire Report from Henley & Partners, when it pertains to extravagant shopping sprees and worldwide travels among ultra-wealthy individuals with assets worth multiple millions, Europe significantly lags behind both Asia and America. </p> <p> The study looks into the expansion of ultra-wealthy people whose fortune exceeds $100 million from 2013 to 2023. Over this decade, their numbers have surged by more than 50%, adding approximately 30,000 new members to the elite circle of the extremely affluent. </p> <p> While remarkable wealth has surged, this increase hasn't been evenly distributed—indeed, Europe seems to be falling further behind over time. The rise in the number of centimillionaires here has only climbed by 26%, which is just half of the global growth rate. </p> <p> It's evident that the tale of centi-millionaires involves dynamic shifts and transformations," stated Juerg Steffen, CEO of Henley & Partners, an organization focused on analyzing private wealth and migration patterns. "From technology-fueled growth spurts in countries like China and the U.S., to the rise of emerging financial centers globally, we're witnessing a significant relocation of immense riches away from Europe. </p> <img data-document-id="cms/api/amp/image/AA1qKuVO" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1qKuVO.jpg"> <p> This trend isn't likely to cease soon. In continental Europe, London will face the most significant losses. fewest centimillionaires Added to the continuously expanding list between now and 2040, we can expect Moscow, Zurich, and Madrid to join as well. </p> <p> In the meantime, according to the report, places like Dubai and Shenzhen will serve as breeding grounds for new centimillionaires. </p> <p> Nevertheless, the lesser-known treasures of European prosperity lie within some of the continent’s less flashy areas. Consider places like Monaco, Malta, and Poland, which are anticipated to see an increase of at least 75 percent in their population of millionaires. </p> <p> The phenomenon of affluent individuals leaving Europe can be attributed to multiple factors, such as increased political instability and changes. tax policies In Italy and the U.K., along with decades of underwhelming trade performance relative to competitors across the world. Certainly, Europe boasts influential tycoons like Bernard Arnault and Mark Mateschitz, whose substantial wealth has significantly expanded over time. However, the U.S. stands distinctively different. has benefited more from the migration of wealth, greater stock market liquidity, and overall wealth creation. </p> <h2 class="wp-block-heading"> Yesteryear <strong> Europe </strong> </h2> <p> If only Europe could restore its golden era. </p> <p> Not long ago, Britain and France stood among the richest nations in Europe as well as globally. Following the Industrial Revolution, this boom extended across various European economies. </p> <p> Paradoxically, the pattern of wealth migration has shifted somewhat. Currently, an increasing number of individuals are departing from nations such as the U.K., with Brexit exacerbating this situation. </p> <p> The UK might see as many as 500,000 millionaires disappear over the next half-decade, suggests research. UBS Wealth report Starting from July, Belgium, Germany, and Spain will be some of the locations where Britain’s affluent individuals consider investing their wealth to find more suitable investment opportunities. </p> <p> Currently, there are still some areas where significant fortunes can be accumulated, such as in Paris, which ranks top among European cities for the rise in centimillionaires. </p> <p> The question still stands: What will happen to Europe and its inhabitants if it hinders future wealth generation relative to the rest of the globe? </p> <p> <em> A variant of this tale was initially released on </em> <em> </em> <em> on September 18, 2024. </em> </p> <p> The tale was initially showcased on </p> </img>

Europe's Wealth Gap Widens: A Few Places Bucking the Trend

DIWIDA.NEWS

Centuries back, amassing great wealth in Europe was closely tied to residing in its major trading hubs and engaging in profitable business sectors. However, this is no longer the truth. According t…

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[深度] 日本告別負利率時代一周年：銀行成贏家 苦了消費者

<p> 【彭博】-- 在日本採取歷史性加息行動約一年之後，該國大型銀行的利潤飆升至紀錄高位，消費者則因物價上漲而被迫勒緊褲腰帶，與此同時，借貸成本上升加劇了圍繞政府可以如何控制支出的政治鬥爭。 </p> <p> 日本央行行長植田和男在一年前終結了全球最後的負利率政策及其大規模刺激計畫，底氣來自年度薪酬協議的創紀錄漲幅。這種薪資漲幅表明，消費者能夠幫助推動物價和經濟上行，支持通膨趨勢。 </p> <img data-document-id="cms/api/amp/image/AA1B5cSI" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1B5cSI.jpg"/> <p> 在進行了17年來的首次加息後，日本央行又在短短幾個月內加息了兩次，為1989年 —— 「泡沫經濟」頂峰時期 —— 以來最快步伐。經濟學家預計，日本央行本周將按兵不動，之後會再次加息，很可能是在7月。 </p> <p> 長期以來，日本央行一直認為，忍痛適應更高的物價，換取薪資、消費和經濟成長形成一個持久循環，是值得的。經濟學家和決策者看到了越來越多這個循環開始的跡象，但面對食物漲價的消費者卻不相信。 </p> <p> 「物價上漲速度仍然比我的工資快得多，」已婚、育有兩個孩子的50歲職員Masashi Fujii說。「而且加息對我的儲蓄沒有任何影響。」 </p> <img data-document-id="cms/api/amp/image/AA1B5f7Z" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1B5f7Z.jpg"/> <p> 持續的通膨正在加快日本的變化。企業更願意將成本的成長轉嫁給客戶。對未來會更貴的預期促使越來越多散戶投資者尋找謀養老錢的新門路，而不是依賴日益微薄的退休金。對股東更加友好的公司治理，也讓習慣於停滯的某些經濟部門更加關注利潤。 </p> <p> 目前而言，最大的贏家是銀行。貸款利率勢將幫助日本三大銀行在截至3月的財政年度實現創紀錄的利潤。在之前不景氣的那些年裡，它們都削減了成本。 </p> <p> 三井住友金融集團估計，日本加息將在截至本月的一年中為其帶來900億日圓（6.05億美元）的額外收益。它說，利率每提高25個百分點，每年就會產生1,000億日圓的額外收益。與此同時，它仍然只向儲戶支付0.2%的利息。 </p> <img data-document-id="cms/api/amp/image/AA1B57NF" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1B57NF.jpg"/> <p> 銀行股自去年3月初以來上漲了約29%，而代表大盤的東證指數僅持平。對於投資組合多元化較差的中小銀行而言，短期情況沒有那麼好，因為它們所持債券價值縮水之弊，可能會超過利率上升之利。 </p> <p> 由於美國和日本的利差巨大（日本現在利率仍僅為0.5%），原本有望從日本央行加息中獲得提振的日圓起初繼續走弱。在2024年，日本政府最終花了1,000億美元來支撐本幣匯率。 </p> <p> 現在，越來越多投資者相信日本可能會進一步加息，並在對川普關稅政策的擔憂下尋找避風港，日圓匯率又回到了首次加息前的水平，略低於1美元兌150大關。 </p> <p> 不過，日圓疲軟（約為13年前價值的一半）帶來了大量外國遊客，提振了酒店、餐飲和零售業。與此同時，其也加快了通膨，因為日本的大部分食品和燃料都依賴進口。 </p> <img data-document-id="cms/api/amp/image/AA1B5aku" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1B5aku.jpg"/> <p> 由於購買力下降，居民被迫 節衣縮食、買打折商品 。日本央行在考慮政策時關注的是核心通膨，但消費者感受到的是4%整體通膨率 ——  包括新鮮食品價格 —— 的影響。1月份薪資數據顯示，儘管薪水漲了，但實際薪資同比下降了1.8%。4月食品價格還料將進一步上漲。 </p> <p> 2024年最後一個季度的經濟成長數據顯示，實際消費持平，這表明正成長周期尚未完全顯現。 </p> <p> 「日本央行加息是在傷口上撒鹽，」日本央行前執行理事門間一夫說。他指的是那些背著消費貸款和按揭貸款、已然難以招架通膨的相對低收入人群。 </p> <p> 「富人並不太在意物價上漲，而且他們的資產會成長，因為利率上升會帶來更高的回報率，」他說。「這種差距的擴大將是政治不穩定因素。」 </p> <img data-document-id="cms/api/amp/image/AA1B5hXF" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1B5hXF.jpg"/> <p> 在公共廣播公司NHK的最新民調中，對首相石破茂這屆內閣的支持率下滑8個百分點至36%，調查顯示，通膨是選民希望他解決的頭幾號問題之一。 </p> <p> 而對於石破茂來說，夏季大選前的這一局面可不是好事。如果他想讓執政黨有比去年10月大選時更好的表現，就必須證明，他的少數派政府能為選民做更多事情。 </p> <p> 原文標題 Banks Boom And Shoppers Scrimp a Year After BOJ’s Rate Pivot </p> <p> --聯合報導 Lisa Du、Erica Yokoyama、Toru Fujioka. </p> <p> 更多類似的故事可以在這裡找到。 </p> <p> ©2025 L.P. </p>

[深度] 日本告別負利率時代一周年：銀行成贏家 苦了消費者

DIWIDA.NEWS

【彭博】-- 在日本採取歷史性加息行動約一年之後，該國大型銀行的利潤飆升至紀錄高位，消費者則因物價上漲而被迫勒緊褲腰帶，與此同時，借貸成本上升加劇了圍繞政府可以如何控制支出的政治鬥爭。 日本央行行長植田和男在一年前終結了全球最後的負利率政策及其大規模刺激計畫，底氣來自年度薪酬協議的創紀錄漲幅。這種薪資漲幅表明，消費者能夠幫助推動物價和經濟上行，支持通膨趨勢。 在進行了17年來的首次加息後，…

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Here's How Much You Can Stash in Your Canadian TFSA

<img data-document-id="cms/api/amp/image/AA1s9Ki4" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1s9Ki4.jpg"/> <p> If you're a Canadian investor, you've probably come across Tax-Free Savings Account (TFSA) – a robust instrument designed to enhance your financial standing without the burden of tax obligations on your returns. However, did you ponder over how substantial your savings could be inside your TFSA had you consistently contributed since its inception? This outcome may astound you, particularly with strategic investments involved. We'll delve into the highest permissible contribution limit along with the possible expansion within a TFSA. </p> <h2 class="wp-block-heading" id="h-how-much-can-you-contribute-to-your-tfsa"> What amount can you put into your Tax-Free Savings Account? </h2> <p> For Canadians who became eligible to participate in a Tax-Free Savings Account (TFSA) starting from 2009 (that includes individuals who were at least 18 years old that year) and haven’t made any withdrawals yet, the total contribution limit by 2025 would be $102,000. Below is an outline of the yearly contribution caps: - [Year] - [Contribution Limit] - ... - 2025 - $102,000 </p> <p> In 2024, the yearly maximum contribution limit stands at $7,000, with this figure being adjusted annually according to changes in inflation and then rounded off to the closest multiple of $500. Each January 1st, your available contribution space resets, enabling you to deposit the entire sum for that particular year anew. However, what truly sets apart the Tax-Free Savings Account (TFSA) is its remarkable feature: your investments grow tax-free This encompasses interest, dividends, and capital gains, which makes it an excellent instrument for accumulating wealth gradually over the long term. </p> <h2 class="wp-block-heading" id="h-the-power-of-long-term-investing-in-your-tfsa"> The power of long-term investing in your TFSA </h2> <p> A great strategy to get the most out of your TFSA is to focus on investments aimed at long-term expansion. The greater time your investments have to grow, the more your TFSA can compound . Let’s imagine you’ve been contributing the maximum allowable amount since 2009, and your investments delivered the average 10-year Canadian stock market (using <strong> iShares S&P/TSX 60 Index ETF </strong> as a proxy) return of 8.8% per year, your TFSA wealth would have doubled. By this year, your total contributions of $102,000 would have grown to around $209,996 — all within the tax-free umbrella of your TFSA. This shows the power of compound growth over time. But what if you have picked winning stocks ? </p> <h2 class="wp-block-heading" id="h-high-growth-stocks-to-boost-your-tfsa-wealth"> High-growth stocks to boost your TFSA wealth </h2> <p> While investing in a solid, broad-market fund like the XIU is a good strategy, some high-growth stocks have the potential to skyrocket within a TFSA. Let’s look at two prime examples of Canadian stocks that could turn your TFSA into a wealth-building machine. </p> <p> <strong> Constellation Software </strong> ( TSX:CSU ) is one of the best examples of a Canadian growth stock. Over the last decade, the top tech stock has delivered annualized returns of over 28%, turning an initial investment of $1,000 into approximately $12,338. The company specializes in acquiring and managing vertical market software businesses, providing stable, recurring revenue streams. Thanks to its excellent capital allocation, disciplined acquisition strategy, and niche market focus, Constellation has achieved remarkable growth. Investors looking for reliable, long-term growth should find Constellation Software a solid pick for their long-term TFSA portfolio. </p> <p> Another stock to consider is <strong> goeasy </strong> ( TSX:GSY ), a leader in Canadian non-prime lending. Despite a 27% pullback triggered by macroeconomic concerns like the U.S.-Canada-Mexico trade war, goeasy has delivered impressive returns — nearly 25% annualized over the past decade. The company’s focus on underserved customers has allowed it to build a loyal base and generate consistent revenue and profit growth. With a discounted valuation today and strong prospects for future growth, goeasy is an attractive idea for investors looking to add high-growth stocks to their TFSA. </p> <h2 class="wp-block-heading" id="h-the-foolish-investor-takeaway-your-tfsa-has-limitless-potential"> The Foolish investor takeaway: Your TFSA has limitless potential </h2> <p> While the contribution limits for a TFSA are capped, the growth potential inside the account is limitless — provided you make smart investment choices. By contributing the maximum allowed each year and strategically investing in high-growth stocks, your TFSA can be a powerful tool for building wealth over the long term. Whether you choose a diversified ETF or individual growth stocks like Constellation Software and goeasy, the key is to stay focused on long-term returns and let the power of compound growth work in your favour. </p> <p> The post Here’s the Maximum Amount Canadians Could Have in a TFSA appeared first on The Motley Fool Canada . </p> <div class="pitch-snippet"> <h2> Should you invest $1,000 in Constellation Software right now? </h2> <p> Before you buy stock in Constellation Software, consider this: </p> <p> The Motley Fool <i> Stock Advisor Canada </i> analyst team just identified what they believe are the <b> Leading Stocks for 2025 and Further Ahead </b> For investors looking to purchase now—Constellation Software was not among them. The top stocks selected have the potential to generate substantial returns over the next few years. </p> <p> Consider <b> MercadoLibre </b> , which was initially suggested on January 8, 2014... if you had invested $1,000 in the "Latin American eBay" back then, you would have <b> $20,697.16 </b> !* </p> <p> <i> Stock Advisor Canada </i> offers investors a straightforward guide to achieving success, complete with instructions on constructing a portfolio, periodic insights provided by financial experts, and monthly recommendations of two stocks — one from Canada and another from the U.S. <i> Stock Advisor Canada </i> The service has surpassed the return of the S&P/TSX Composite Index by 29 percentage points since 2013*. </p> <p> See the Top Stocks <span> * Returns as of March 20, 2025 </span> </p> </div> <p> <strong> More reading </strong> </p> <ul> <li> Their Enterprises Are Flourishing, Hence These 3 Stocks Deserve Attention Now </li> <li> 3 Top Canadian Stocks for Investors to Consider Purchasing Today </li> <li> 3 Stocks I Believe Everybody Should Purchase – Each Time They Drop </li> <li> My Wildest Stock Market Forecasts for 2025 </li> <li> 2 Discounted Stocks to Purchase Before They Rise </li> </ul> <p> Fool contributor Kay Ng holds stakes in Goeasy. The Motley Fool endorses shares of Constellation Software. The Motley Fool maintains this position: disclosure policy . </p>

Here's How Much You Can Stash in Your Canadian TFSA

DIWIDA.NEWS

If you're a Canadian investor, you've probably come across Tax-Free Savings Account (TFSA) – a robust instrument designed to enhance your financial standing without the burden of tax obligations o…

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