INVESTMENT AS A LIFESTYLE

Almost everyone longs for a better future. Investment is one way to help achieve the goals to be achieved in the future. It turns out that saving alone is not enough for long-term goals, but it will be easier to achieve them if you invest. However, not everyone can be disciplined in setting aside money for investing.

Such difficulties may arise because of the many unmet needs and the temptation to spend money on less productive things. If you think about it carefully, everyone must also be good at setting aside money to realize various goals in the future.

Investing Goals To Be More Enthusiastic

These goals can be in the form of marriage, providing the best education for children, owning a private vehicle, owning a house to live in, having funds for retirement, and so on. Investors can be disciplined in investing by keeping in mind their financial goals. Remember how important it is to achieve these goals. You must know the purpose of investment for what?

By remembering financial goals, one can again reflect on whether all of his income will be spent for consumptive purposes only? Remembering financial goals can make a person remember that he must set aside funds for saving and investing.

For example, when a husband and wife have to prepare funds for their child's college, their college period will begin in about ten years. When the time comes, the funds must be ready. That long time can be used for investment.

Try to act and realize that the income earned is not entirely for consumption. For beginners, the income earned every month can be divided into three parts:

- one-third is used to pay off debt installments, 

- one-third for consumption, 

- and one-third for saving and investing as a financial goal.

The investment will make it easier to achieve financial goals in the future. Well, the key is that you currently have an emergency fund, then to be disciplined, set aside some funds for initial investment, for example, on payday or every time you get a bonus. Investment does not need to wait for the remaining salary. Take some funds at the beginning to save and invest so that these funds are not only used for consumptive things.

For the discipline to be more trained, investors should take advantage of their accounts' auto-debit and auto-invest systems every month. That way, income is automatically deducted for investment. The investment products used can be mutual funds or stocks. Investment goals are very important to make someone disciplined in investing.

For example, the purpose of investing is for retirement. Try to be very aware that, in reality, the pension funds prepared by the company are not necessarily sufficient to cover the needs in old age. Instead, everyone should set aside their funds to prepare for retirement. Don't let yourself retire when you have nothing and become a burden to others.

Conclusion

Why is it necessary to use auto-debit to make investments? Because this method can be practiced by workers and employers so as not to forget and avoid the temptation to shop that is not productive. A worker can adjust the auto-debit with the date of receiving a paycheck. Happy Investing.