Nowadays, there are many people who are interested in the world of investment, both mutual fund investment, stock investment and others. This article will discuss the introduction of saving stocks, what are the advantages of saving stocks and ways to save stocks. Without further ado, let's take a look at the following review
What is Stock Saving
The definition of saving shares is a purchase activity against the percentage ownership of a company. When you make a purchase or save, it means that you deserve to be called a shareholder and are entitled to the company's profits according to the percentage of ownership. Hearing the word saving, maybe your focus will immediately be on the bank or piggy bank.
Indeed, in principle, saving stocks and saving in a bank are the same, both putting our assets to prepare life supplies. However, there is something different when you choose stocks over other savings instruments. Putting assets in the form of shares allows you to get big profits from rising stock prices.
Advantages of Saving Stocks
After knowing the meaning of saving stocks, you can see what are the benefits that can be obtained from saving stocks. According to OJK, there are at least 3 advantages that we can get from saving stocks, such as capital gains, dividends, and ownership.
1. Capital Gain
Capital Gain is the profit that investors get when the selling price is reduced by the purchase price of the stock. The selling price of shares is higher than the purchase price, and this condition is influenced by trading activities on the stock exchange. For example, if you buy share A for IDR 1,500 per share, then sell it for IDR 2,000, it means that the profit from the additional capital is IDR 500 silver per share.
2. Get Dividend
Dividends are part of the profits that the company pays to shareholders. Regardless of how many shares you own, you will definitely make a profit. The distribution is of course proportional to the size of the shares. There are two types of dividends, cash dividends and stock dividends. As the name suggests, cash dividends received from shareholders are cash which is calculated based on the number of shares owned.
Another advantage is ownership where you become part of the company's ownership according to the shares owned. In addition, Hamu is also entitled to attend the General Meeting of Shareholders (GMS).
How to Save Stocks For Beginners
It seems that saving stocks can keep the value of your assets from being eroded by inflation. Investing in stocks can bring huge profits. No need to worry and worry about how to save stocks. Here are some methods of saving stocks below
1. Choosing a Stock Investment Platform
If you want to keep your shares first, you need to decide on the investment platform that will be the “middleman” to buy the desired shares. Today, there are many stock investment platforms to choose from, from banks to online investment platforms. The first thing to remember is to verify the legality of your chosen stock investment platform. You also need to consider admin fees when trading shares. Usually there is a different admin fee for each platform, but it does not account for 1 percent of the investment.
Once you've decided which investment platform you feel is right, it's time to open a stock account on that platform. It's not difficult either. You just need to register and prepare the necessary documents. Most investment platforms only require documents in the form of identification, a bank savings account, and a Taxpayer Identification Number (NPWP). Once done, you will be asked to fill in a series of fields related to opening a stock account, starting with salary and investment objectives.
3. Determine the nominal share to be saved
You may be wondering how much money you need to set aside as a way to save stock. The answer is up to you. The minimum limit for holding one share is IDR 100,000. Meanwhile, the upper limit depends on your abilities.
However, do not rush to enter a large nominal to save stock. Try to spend only unused money on investments. Keep in mind that investing, including saving stocks, can result in losses. By spending unused money, you don't have to worry about the risk of financial problems if the value of your investment drops.
4. Enter funds into the Stock Account
It can take up to 5 working days from filling out the account opening form and submitting the documents to opening a stock account. Don't forget to enter it as soon as the sub-account is activated. Entering a stock account as investment capital is very easy.
Simply transfer a predetermined amount of equity savings funds to an equity account created from a regular bank account. Within seconds, your funds will be sent to your stock account and ready to be used.
5. Determine the type of stock you want
The right way to save stocks is not just in choosing the type of stock you want to enter. If you choose without proper calculations, the type of stock you choose can actually be detrimental. To do this, it is very important to know what types of stocks you can buy. In general, there are nine types of stocks that you can consider buying.
The nine stocks are agriculture, mining and quarrying, basic and chemical industries, heavy machinery and light machinery, consumer goods, real estate and construction, infrastructure, finance and trade industries. This type of investment in stocks is better than others. There is one type of stock that is more suitable to be bought at any given time than another type of stock.
6. Select the Company Shares You Want to Buy
In each type of stock, there are tens to hundreds in it. The list of companies that issue their shares on the Indonesia Stock Exchange continues to grow. The last one in 2021 was 11 companies that conducted initial public offerings until the end of the first quarter yesterday. You may be confused about which company stock to buy.
It is highly recommended to see news about the company. Not only do this, you also need to read the company's financial statements for several annual rooms to find the company's financial foundation. The better the financial base of a company, the safer you can invest your money in the company's stock.
7. Time to buy shares
The funds in the stock account are already available. It's time to buy the stock you're looking for through several considerations. Do not put all funds into one stock immediately after purchase. Diversification is very good in reducing the risk of loss. You can split the money to buy shares in several similar companies.
8. Deposit funds every month to save Shares
How to save shares that you should not forget you regularly buy shares. To fulfill this, of course, you will need to fund your stock account every month. Determine the amount that can be deposited each month. It doesn't matter if the number is not too large and constant.
Keep in mind that depositing funds does not use money for daily needs. If there is indeed excess funds, you can add the nominal deposit of funds to the stock account at certain times.