Starting the Investment Journey (For Beginners)
📌 New investors should start by identifying their goals and choosing the appropriate investment instrument; the instrument is a vehicle, not the final destination.
🏠 For short-term goals (e.g., buying a house next year) with a conservative risk profile, suitable instruments include money market mutual funds, deposits, or retail SBNs.
📈 For long-term goals (e.g., buying a house in 10 years) with an aggressive risk profile, options like stock index mutual funds or crypto can be considered.
💸 Begin investing with small capital, with platforms like Ajaib allowing investments starting from Rp1 (Rupiah) and requiring no minimum deposit.

Financial Health and Avoiding Scams
⚠️ Financial health must come first; do not rush into investing to pay off existing debt or loans if your basic finances are unstable (e.g., emergency funds are missing, loan installments are piling up).
🛑 Be highly vigilant of "get rich quick" schemes promising high returns with low or no risk, as high returns and risk are always directly proportional.

Investor Mindset and Strategy (Long-Term)
🧠 Implement Warren Buffett's Circle of Competence: only focus on investing in sectors or companies you genuinely understand, rather than trying to be an expert in everything.
🔍 Use fundamental analysis to select leading companies in their sector, comparing their business models, innovation, and profitability against competitors.
📊 Never neglect diversification across different assets (stocks, mutual funds, crypto) to mitigate risk when one asset class performs poorly.
💰 Do not solely focus on capital gains; analyze dividends as a sign of a healthy, profitable company sharing returns with shareholders.

Trader Mindset and Execution (Short-Term)
⏱️ Traders aim for small, frequent profits by buying low and selling high, heavily relying on technical analysis to predict price and volume trends.
⚙️ Utilize features like Ajaib Alert to set notifications for desired entry or exit prices, ensuring timely execution.
⚡ Traders can leverage extra buying power (margin trading) up to 7 times their capital (e.g., Rp1 million capital allows trading up to Rp7 million), but this should only be used after achieving consistent small profits.
🛑 Discipline is crucial: traders must adhere to their trading plans, know their risk tolerance, and utilize automated tools like Take Profit and Stop Loss features to manage potential losses.

Market Awareness
📰 Traders and investors must stay updated on economic news and sentiment (e.g., interest rate changes, geopolitical events) as these can significantly influence market movements and stock performance.

Key Points & Insights
➡️ Prioritize financial stability (emergency funds, debt management) before entering the investment world.
➡️ For long-term investors, focus on understanding the sector leadership and sustainable growth/profitability of potential investments.
➡️ Traders must employ strict discipline and use stop-loss mechanisms to avoid turning small trading losses into large investment losses.
➡️ Utilize features on investment platforms (like competitive ranking, Ajaib Alert, or Take Profit/Stop Loss) to enhance decision-making and execution efficiency.

📸 Video summarized with SummaryTube.com on Nov 09, 2025, 11:06 UTC