Classroom

Freelancer
Pernah Ngrasain “Uang Kaget” Belum?
Berapa rata-rata selama 3 bulan?

Kelebihannya Deposito sementara

CALM DOWN
Budget Plan
is a must
Sebelum lebih jauh...................
THE PYRAMID
Beri reward atas
achievement
Apresiasi

Disesuaikan
Investasi dengan tujuan
& Tabungan dari rencanamu

Dana Darurat dan

Proteksi
Asuransi
Dana Darurat + Asuransi
secukupnya

Sebelum mulai,
Manajemen Utang
pastikan utang dan
piutang terdata
 Monitoring current Investment

Saham Properti Obligasi Ritel Reksadana

Kuartalan Bulanan Jatuh tempo Bulanan

Tidak ada investasi tanpa evaluasi.

Konsep investasi memang jangka panjang.
ASSET
GAIN GAIN + ADDITIONAL INCOME

o Cryptocurrency
o Saham
o P2PL
o Obligasi
o Reksadana
o Properti
o Emas
o Valas/Deposito
 Multiple
Income Stream
Active stream: Passive stream:
- New Jobs - Dividend from
- Built another business investment/ business
- Trading - Coupon
- Interest
Personal Branding For Freelancer?
Really?
Improving skill

Spend your
Create market
money for
Enhancing Gear
Cash is KING
Investment in knowledge pays the best interest
Part time or Full time?

Freelancer
Single or Partnership?
Free Agents Casual Earners

Financially
The Reluctant
Strapped
Financial Planning
Budget

Tracking
What is your next step?
Analyzing

Evaluating
 Understanding Financial Planning

INVESTMENT MONEY MANAGEMENT INSURANCE

Optimalisasi Instrumen Short, Pengelolaan Uang Sesuai Life Cycle Perlindungan Jiwa,
Medium And Longterm Investment Dan Kebutuhan Kesehatan, Harta
Financial Independent
Berapa biaya lifestyle kamu?
Misal: 1 tahun Rp120 juta
Kebutuhan per bulan : Rp20 juta
Free risk 5%
Berapa passive income minimal? Investasi Rp 2,4 M

PENDIDIKAN BERAPA PERHITUNGANNYA?

Rencana Sekolah?
Dimana Sekolah?
PENSIUN
Kapan Pensiun?
Kondisi Pensiun?
Investor Agresif
Risiko

Memaksimalkan potensi profit dengan toleransi risiko yang tinggi.

Syarat Investor Agresif
• Basic needs
sudah terpenuhi
• Paham target
yang diincar
• Disiplin dan
analisis kuat
Investor Defensif
Risiko

Kemampuan menerima risiko

rendah karena kondisi
internal/eksternal.
 Usia 20 tahun 30 tahun 40 tahun 50 tahun <

Konservatif
- Cash & CE 20% 20% 20% 20%
- Fixed (Min) 40% 40% 50% 50%
- Stocks (Max) 40% 40% 30% 30%
- High Profile (max) 10% 10% 10% 10%
Moderate
- Cash & CE 10% 10% 10% 10%
- Fixed (Min) 30% 40% 40% 50%
- Stocks (Max) 60% 50% 50% 40%
- High Profile (max) 10% 10% 10% 10%
Agresif
- Cash & CE 10% 10% 10% 10%
- Fixed (Min) 10% 20% 30% 40%
- Stocks (Max) 90% 80% 70% 60%
- High Profile (max) 20% 20% 20% 20%

Kenapa jika di total lebih dari 100%?

Apakah sehat? Hmm…
No Rasio 2020 2021 2022

1 Net Worth

2 Dana Darurat

3 Investment Ratio

4 Investment to Net Worth Ratio

5 Cash Coverage Ratio

6 Income Ratio

7 Debt to Asset Ratio

8 Debt Service Ratio

 pay yourself My short term goal : ________________
3-month budget plan
charity My long term goal : ________________

Rank Needs Rank Wants

1 1

2 2

3 3

4 4

5 5
THANK
YOU
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