Manajemen Finansial

For English (and other) speakers: this is a post about general financial management. Click on the “Translate” button on the right to have this article translated into your language.

Tidak sengaja saya membaca artikel tentang FI/RE (Financial Independence/Retiring Early). Di dunia yang ideal, semua orang punya akses ke UBI (Universal Basic Income) – yaitu dimana Pemerintah menjamin bahwa setiap bulan Anda akan selalu mendapatkan sejumlah uang.

Namun ketika ini belum ada, maka kita perlu melakukan berbagai usaha lainnya agar kondisi finansial keluarga kita selalu aman. Artikel ini adalah catatan pribadi saya tentang berbagai informasi terkait hal ini.

Disclaimer: artikel ini hanya catatan pribadi saya. Keuntungan/kerugian finansial yang terjadi karena membaca isi artikel ini bukan tanggung jawab saya. Dengan mengakses artikel ini, maka Anda telah setuju dengan disclaimer ini.

Mayoritas orang hidup dari gajian ke gajian. Jumlah tabungan minim. Atau kalaupun ada tabungan/investasi, kurang dikelola – sehingga kalah cepat dari besaran inflasi
= jumlah uang Anda malah berkurang setiap tahunnya ……

INFLASI – Target untuk dikalahkan

Selama 2010 s/d 2020, rata-rata inflasi per tahun adalah 4.48%

Artinya : nilai uang Anda berkurang sebesar 4.48% setiap tahun.

Maka, strategi investasi / tabungan Anda harus memberikan hasil yang lebih besar dari ini.
(setelah dipotong pajak, zakat, komisi, dst).

Mari kita lihat beberapa strategi investasi / tabungan yang ada:


Dengan rata-rata peningkatan nilai investasi sebesar 21,67% setiap tahun, emas jelas bisa mengalahkan gerogot inflasi pada harta Anda.



  1. Penyimpanan : Safe deposit bank : bukan jaminan aman, di luar negeri sudah sering terjadi kasus safe deposit box yang lenyap.
  2. Penyimpanan : Rumah : ukuran emas memang kecil sehingga mudah disembunyikan, namun jangan sampai lupa tempatnya. Keberadaan emas di rumah juga bisa membahayakan penghuni jika sampai diketahui oleh penjahat.


  1. Ukuran kecil, mudah disimpan.
  2. Cukup likuid / mudah dijual kembali, beda dengan misalnya perak.


  1. Resiko menyimpan benda berharga yang berbentuk fisik.
  2. Harganya cenderung agak mahal.
  3. Musti paham emas seperti apa yang harganya stabil – beberapa bentuk emas, seperti dinar dll, harganya bisa jatuh cukup banyak ketika dijual kembali.





  1. Jika tepat memilih lokasi, ROI (return on investment) bisa cukup tinggi.


  1. Sangat tergantung pada lokasi : jika salah pilih lokasi, malah bisa turun harga dan/atau sulit dijual kembali.
  2. Cenderung tidak likuid : susah dijual dalam waktu cepat, kecuali jika harganya diturunkan jauh di bawah harga pasar.
  3. Potensi resiko : mafia tanah : bukan sekali dua kali kejadian mendadak tanah sudah dikuasai oleh pihak lainnya, lengkap dengan sertifikat tanah asli.
  4. Modal tinggi : membutuhkan dana dalam jumlah besar untuk melakukan investasi jenis ini.



Tentu saja masih ada banyak sekali skema-skema tabungan & investasi lainnya. Misalnya di luar negeri ada berbagai institusi Fund Management yang bisa membantu mengelola dana Anda. Anda bisa turut bergabung dengan dana yang tidak besar dan cenderung aman.

Silakan jika ada saran / masukan, bisa disampaikan via Telegram atau Facebook di bawah ini.



Artikel ini masih belum selesai, karena saya masih terus mendalami soal ini.
Artikel ini akan terus diperbaharui setiap kali saya mendapatkan informasi baru.

Berbagai data & chart di artikel ini bisa dilihat di Google Sheet ini :

Performa Berbagai Investasi versus Inflasi Indonesia” =

Jika ada data yang ingin Anda sumbangkan, silakan kontak saya via Telegram di “sufehmi” (respons cepat), atau via Facebook (jarang saya cek).
Sumbangan data silakan dikirim dengan format CSV, dan lalu akan saya gabungkan ke dokumen di atas.

Jika ada kekeliruan / koreksi / masukan, jangan segan kontak saya via Telegram / Facebook di atas.

Demikian artikel ini, semoga bermanfaat bagi Anda.

Referensi / Bacaan tambahan


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