Pilih Mana? Kelola Uang Sendiri atau Titip Manajer Investasi

Investor individual yang mengelola uangnya sendiri bisa mengalahkan manajer investasi Wall Street? Hah? Masa sih?

Investor Individual Bisa Mengalahkan Manajer Investasi Wall Street Loh!

Lah kok bisa? Manager investasi apalagi Wall Street kan punya banyak analisis? Kerjanya 80 jam setiap minggu lagi biar dapetin saham murah. Investor individual nggak bisa berbuat apa-apa kan? Oh tentu…. Tidak. Peter Lynch, seorang investor asal amerika, filantropis, dan manager investasi menilai manager investasi punya kelemahan yaitu:

  1. Pertama, Size pasar yang mereka masuki
  2. Kedua, Jumlah waktu untuk presentasi 
  3. Ketiga, Modal yang dikuasai oleh klien

1. Size Pasar Yang Dimasuki Manajer Investasi Lebih Sedikit Pilihan

Jadi, Manager investasi pasti pegang uang yang sangat banyak bukan? Dana $10 miliar nggak akan diinvestasikan di perusahaan yang kapitalisasi pasarnya $10 juta. Terlalu riskan. Bermain aman lebih banyak dilakukan. Daripada kehilangan pekerjaan sama kehilangan uang klien bukan?

2. Presentasi Menghabiskan Waktu Manajer Investasi

Faktanya, Manager Investasi menghabiskan waktunya untuk menjelaskan kenapa dia berinvestasi di saham A ke stakeholder sebanyak 25% dari total waktu yang ada. Jadi kalau kerja misal 10 jam, maka 2,5 jamnya untuk presentasi. Padahal saham bergerak sangat cepat loh. Kalau kita bisa lebih fleksibel mengatur waktu yang ada.

3. Namanya Juga Dibayar, Modal Uang Ya Ditentukan Dari Klien

Ternyata, Banyak klien yang cenderung menarik uangnya saat pasar lagi jelek, terus memasukkan uang yang besar ketika pasar sedang bagus. Padahal hal ini  membuat keuntungan jadi lebih sedikit. Manager investasi jadi punya banyak uang saat semua sedang mahal, dan sedikit uang ketika semuanya murah. Dilema :’)

Tetap Semangat Jadi Investor Individual

Investor individual bisa invest ketika pasar lagi jelek, sehingga bisa dapat keuntungan ketika pasar mulai membaik. Ingat! Jangan lupa analisis fundamental dan teknikalnya ya. Kamu juga bisa membeli saham perusahaan yang produknya sehari-hari kamu pakai.

Jadi, misal kamu gamers, kamu tau produk game mana yang sering dimainkan dan menguntungkan. Manager investasi Wall Street nggak tau sedalam itu loh. Semangat berinvestasi!

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291 Comments

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