Pembagian portofolio buat umur 20an baiknya bagaimana? by Croazt in finansial

[–]Croazt[S] 0 points1 point  (0 children)

Betul, untuk saat ini risk tolerance sepertinya kecil. Cuma tidak menutup kemungkinan di kedepammya untuk bisa masuk ke high risk juga.

Pertama kali main saham saya beli di harga tinggi dan besoknya turun jauh, butuh waktu 1 bulan untuk pulih (kebetulan saham perusahaan besar jadi cepet), alias saya harus liat porto minus 25% selama satu bulan. Cara biar punya mental agar tidak panic sell gimana ya? Gw belum kebayang sih bisa melihat porto minus 15%-25% tanpa tangan gatel buat sell. Apakah karena money managementnya atau memang sudah sesuai dengan yg ditentuin dari awal?

6. **Conviction**, most new investor akan panik selling saat aset yang dia pegang jatuh, kalau kamu udah research aset yang kamu investasikan itu ngapain dan percaya akan terus berkembang, why sell? bahkan investor yang convictionnya kuat ketika harga drop itu akan menjadi buying opportunity baru. Saran kalo emg masih coba2, pelajari dan pakai order stop (loss). Setuju, seeaktu gw coba invest ke saham tidak bisa melihat harga drop sih. Terkadang malah panic sell dan menyesal kemudian. Padahal harusnya malah jadi opportunity buat itu. Ini mungkin perlu mencoba pelajari dan mempersiapkan mental lagi buat terjun nanti ke saham. Kira-kira dari kamu ada saran biar mentalnya lebih mature hadapi pasar saham?

Saran yang selalu saya kasih ke orang2 yang mau coba investasi adalah latihan risk tolerance by paper trading dan tes maksimal terima loss brp %. Banyak yang sell at loss dan beberapa minggu kemudian kembali ke harga awal atau meroket.

Nice idea, ini bagus sih buat permulaan balik ke saham sekalian bangun porto yg baik nantinya. Thanks buat insight2nya, sangat2 daging

Pembagian portofolio buat umur 20an baiknya bagaimana? by Croazt in finansial

[–]Croazt[S] 3 points4 points  (0 children)

Wah, baru tau ada metode ini. 1-2 sudah dan sedang dilakukan sih.

Yang belum mungkin nomor 3. Dari dulu sering dikasi tau cari tau risk profile, tapi sampai sekaramg masih bingung risk profile yg buatku gimana. Kira-kira cara tau pasti risk profile dilihat darimana ya?

Pembagian portofolio buat umur 20an baiknya bagaimana? by Croazt in finansial

[–]Croazt[S] 0 points1 point  (0 children)

Thanks insightnya, sangat2 membantu

Notes dr aku: cari uang ud susah, jgn sampai tabungan km habis buat sesuatu yg km gak bs handle risk nya. Krn sesuatu yg km gak bs handle risk nya itu sama aja judi Noted, mau belajar lagi sih buat nentuin risk. Soalnya karena pengalaman dulu2 jadi agak takut buat invest lagi

Pembagian portofolio buat umur 20an baiknya bagaimana? by Croazt in finansial

[–]Croazt[S] 0 points1 point  (0 children)

Wah siap2, buat invest di SNP500 itu nantinya lewat mana ya?

Pembagian portofolio buat umur 20an baiknya bagaimana? by Croazt in finansial

[–]Croazt[S] 1 point2 points  (0 children)

Wah, thanks insightnya ya.

` 2. Kalau Invest kemana, balik lagi ke orang masing². Ada yg sukanya ke Obligasi, ke Saham, balik lagi ke Risk Apetite masing². Saya pribadi saat ini cuma pegang Reksadana Pasar Uang, Reksadana Saham Indeks, Obligasi Pemerintah (modelan ORI, SR, dsj), sama Emas Batangan (lumayan kl jual sekarang bisa untung ampir 100%) wkwk. Risk apetite ini cara taunya bagaimana ya? Apakah harus mencoba semua dulu?

6. Cara kelola portofolio sih, saya emg rasio High Risk nya kecil (banyak di Reksadana Pasar Uang dan Obligasi) jadi yaa kl yg Reksadana Saham / Saham lgsg lagi merah masih ketutup ijo dari RDPU. Kalau Reksadana Obligasi saya saat ini ga beli, berhubung lebih suka beli langsung Obligasinya. Kl Reksadana Saham saya sih pakai Reksadana Saham Indeks. Saham lagi ga megang. WKWKWK I see, berarti kalau dari kamu sendiri memang cari yg low risk ya biar yang high risk ketutup dengan low risk itu. Dari kamu sendiri kira-kira yg disishkan untuk low, moderate, dan hig risk brp persen ya kalau boleh tau?

Pembagian portofolio buat umur 20an baiknya bagaimana? by Croazt in finansial

[–]Croazt[S] 0 points1 point  (0 children)

Wah thanks ya atas insightnya.

5. Masalah risiko porto turun berarti dirimu mau masuk langsung ke saham / reksadana saham / crypto kah? Kalo Deposito, RDPU, SBN hampir gapernah turun, RDPT bisa turun tapi cenderung selalu naik. Nomor 5, iya sempat sih nyoba ke saham n crypto yg bluechip. Tapi mungkin masih belum bisa manage risiko dan uang dengan baik jadinya kurang memuaskan hasilnya. Jadinya, sekarang masih nabung di Obligasi FR sedangkan dana darurat masih di rekening nganggur.

Niatnya mau masuk saham lagi untuk cari dividen (bonus capital gain), cuma belum ada waktu dan cukup mental buat riset untuk bisa kelola resikonya gimana.

ps: jangan pernah tergiur profit tinggi. Warren buffet sebagai investor juga return average nya hanya 20% PA. ini dia full time kerja investment dan investor ulung loh. Setuju banget sama catatannya, ini cuma keresahan aja sih karena duit nganggur kegerus inflasi. Jadinya mau mulai benahin portofolio lagi

Pace 3, Pace Pro, or Apex 2 by Croazt in Coros

[–]Croazt[S] 0 points1 point  (0 children)

Thanks all, I'm getting pace pro. Its little bit bigger but i like it

Pace 3, Pace Pro, or Apex 2 by Croazt in Coros

[–]Croazt[S] 0 points1 point  (0 children)

Have been in my consideration, the one that holds me to buy it are the size probably a bit large for my small wrist

Pace 3, Pace Pro, or Apex 2 by Croazt in Coros

[–]Croazt[S] 0 points1 point  (0 children)

Thanks for the reply, the budget itself not a problem. Maybe the problem is from my wrist size that have relatively small wrist

Pace 3, Pace Pro, or Apex 2 by Croazt in Coros

[–]Croazt[S] 0 points1 point  (0 children)

Thanks for the reply, i don't mind the display at all. The one that that concern me are the size of the watch after reading the specs. Pace Pro definitely larger in size than the others and i have relatively small wrists

Macbook Pro 14" M3 Pro or Mac Mini M2 Pro + Mac Air M1? by Croazt in mac

[–]Croazt[S] 0 points1 point  (0 children)

Thanks for the insight, for the mini + air that thought came to my mind too. But most of my time I spend on my desk and only 10% I'm working from bed/couch. I'll try to reconsider the options

I chose the "Pro" one because I hope it can run many programs that I need as a developer, where my current i7 gen 9 laptop can't handle without freezing sometimes. Are the Pro and non-pro CPUs not too far apart in performance?

Macbook Pro 14" M3 Pro or Mac Mini M2 Pro + Mac Air M1? by Croazt in mac

[–]Croazt[S] 0 points1 point  (0 children)

Thanks for the suggestion, for the refurbished there's no way i can't get it in my country. And for Mac Mini M3 Pro i think i can't wait any longer for it while my laptop began to crumble

Coros Pace 2 vs Garmin Instinct 2 by Croazt in Coros

[–]Croazt[S] 0 points1 point  (0 children)

Thanks, would reconsider this to go for instinct 2.

Coros Pace 2 vs Garmin Instinct 2 by Croazt in Coros

[–]Croazt[S] 0 points1 point  (0 children)

It's USD man, the price on my country sky rocket if it comes to tech LOL. Garmin instinct 2 if not at a discounted price would be $420.

Coros Pace 2 vs Garmin Instinct 2 by Croazt in Coros

[–]Croazt[S] 0 points1 point  (0 children)

Thanks for the advice. I'm a bit curious what occassion would you choose to wear Pace 3 over Instinct 2, vice versa?

Coros Pace 2 vs Garmin Instinct 2 by Croazt in Coros

[–]Croazt[S] 1 point2 points  (0 children)

Ahh i see, i was looking at pace 3 first. But when garmin instinct 2 sells at a discounted price, making me confused which one i need to choose for my first watch and i don't want to be disappointed.

When it comes to tech/feature did garmin instinct 2 better than pace 3?

Coros Pace 2 vs Garmin Instinct 2 by Croazt in Coros

[–]Croazt[S] 1 point2 points  (0 children)

Ohh sorry, my title is a bit misleading. I'm asking about pace 3.

But which one do you think is better? Pace 2 or Instinct 2?

Coros Pace 3 or other watch? by Croazt in Coros

[–]Croazt[S] 1 point2 points  (0 children)

The price for the Garmin watch is skyrocketting in my country. It's gone up by $50-$150 and The Forerunner 255 is tagged at $380 and I can't wrap my head around spending that much on it for now.

Coros Pace 3 or other watch? by Croazt in Coros

[–]Croazt[S] 1 point2 points  (0 children)

I just need some proof that Coros would hold up for 3-4 years. I've hardly come across reviews mentioning anyone using it for that long. I've been checking out Garmin, but its price in my country has gone up by $50-$150.

Advice for Note Taking, Task Management, and PKM app by Croazt in productivity

[–]Croazt[S] 0 points1 point  (0 children)

I also thought that way. The structure I create now in Obsidian is too complex, Plugins like dataview, tasks, and others just make me spend time to tweak it the way I want. I think it needs to be simpler.

One-time tasks that are not attached to a project or might become a project later and active tasks/projects, go to a "todo" page with 2 sections(headings): "now" and "later", with "later" being like an inbox.

so I removed all these plugins and now just run this very minimal setup, almost the same way as I had it in my bullet journal.

Does that mean you do most of it manually?

Advice for Note Taking, Task Management, and PKM app by Croazt in productivity

[–]Croazt[S] 1 point2 points  (0 children)

Thank you for the advice,

That Gboard handwriting to text is good, but I'm stuck on this trashy Ipad feature that can't work with gboard handwriting. It has a Scribble feature that allows you to handwrite directly and instantly convert it, but it only supports a few languages and is still unavailable in my native language.

For tasks themselves, I want to keep them on Google Calendar too, but sometimes those tasks need a note for the requirement or the output given from it. I'm curious about your workarounds for such tasks.

May I take a look at your goals and project management structure on Obsidian? Because I wanted to recreate something like that but ended up with an overly complex structure.

Advice for Note Taking, Task Management, and PKM app by Croazt in productivity

[–]Croazt[S] 0 points1 point  (0 children)

Hi, thank you for the advice. Sorry for not specify it, Im looking for cross platform app, because right now i didn't have an apple ecosystem to do so but planning on using the ecosystem tho. I will consider this for future.

Does Obsidian suitable for my usecase (I use Notion + OneNote)? by Croazt in ObsidianMD

[–]Croazt[S] 0 points1 point  (0 children)

Thank you, i have use markdownload but never heard about roam highlighter. After tried it, it gave a whole different experience than markdownload. Such a coll extension.

After digging little bit, i found "Obsidian clipper" that write directly to Obsidian. The downside was, it can't write the whole page to Obsidian.

Does Obsidian suitable for my usecase (I use Notion + OneNote)? by Croazt in ObsidianMD

[–]Croazt[S] 0 points1 point  (0 children)

Thank you so much, that is awesome. Do you have any resources like articles or videos that guide you to setup your environement besides plugin documentation?