Wealth growth and accumulation is a strategy that makes the rich richer and grows their assets. The following provides a more detailed explanation of wealth growth and accumulation.

What is Wealth Growth & Accumulation?

Wealth growth & accumulation is part of the wealth management process.

The following are descriptions of wealth growth and accumulation from several sources:

Alicia Tuovila Wealth growth and accumulation or growth in capital (capital) with a focus on growing wealth through investments that generate a return on investment.

Dheeraj Vaidya, CFA, FRM and Wallstreetmojo Team Wealth growth and accumulation is obtaining money, property or other assets that can increase one's wealth. Investors can carry out wealth growth and accumulation through investment.

Types of Investment in Indonesia

In general, investment is divided into two, namely investment in real assets (such as houses, shop houses, businesses, franchises, etc.) and investment in paper assets (such as capital market products and commodities).

Investing in Real Assets

Some real asset products that can be used as investments:

• Property in various forms: rented houses, boarding houses, shop houses and others.
• Business and franchises
• Jewelry items, for example luxury watches, jewelery, diamonds and others
• Art items, such as paintings, sculptures, antiques, and others.

Investing in real assets is a practice that is not as common (niche), for example:

What watch brands have prices that will not fall, but rather increase? The following article details the results of research from Luxe Watch which illustrates the profit comparison between luxury watches and capital market investment products in America

Likewise, when investing in property, it is important to note which real estate areas have high price growth. Investors can consult with an experienced property agent.

Investing in Paper Assets

Investments in paper assets include investments in capital market products and commodities. Here are the differences between the two:

$$$$ Capital Market Products Indonesian capital market products are under the Ministry of Finance and are regulated by the Financial Services Authority (OJK). The exchange or market is called the Indonesia Stock Exchange.

Investment products in the capital market generally consist of 3 types, namely STOCKS (company ownership), BONDS (debt securities) and MUTUAL FUNDS (investment portfolios managed by investment managers).

Development of investment products in the capital market: Derivative or modifications of stocks warrants, structured warrants

Derivative or modifications of an investment portfolio

• Capital protected mutual funds.
• REIT, real estate investment trust.
• MBS, mortgage back securities.

Outside the capital market, there are also paper asset investment products under OJK, namely: FINTECH (Financial Technology), for example P2P Lending (peer to peer lending), Equity Crowdfunding, and Securities Crowdfunding.

Commodity Futures Products

Derivative products and commodity futures are under the Ministry of Trade and regulated by the Commodity Futures Trading Regulatory Agency (BAPPEBTI).

The exchange or market is called JFX (Jakarta Futures Exchange) and ICDX (Indonesia Commodity and Derivatives Exchange).

Strategy to Accelerate Wealth Growth and Accumulation

The only way to accelerate wealth growth and accumulation is by investing.

The way investments work follows the law of compound interest. The greater the investment capital, the greater the return on investment, and the longer the time, the greater the result.

Financially, the formula for calculating investment value is:

Notes FV : future value, future investment returns PV : present value, existing capital. PMT : payment, regular investment capital every month (or every year). r : return, investment return n : investment period

How to Increase Investment Capital You can increase your investment capital by increasing the amount you invest (e.g. by increasing your income, or saving more money so that you have a larger investment portion).

How to Increase Investment Return Profit (return) and risk always come together. The higher the return, the higher the risk (and vice versa). The concept of Investment Risk and Return: High Risk, High Return

Some things you can do to increase returns while reducing risk:

1. Implement good asset allocation or investment diversification
2. Familiarize yourself with the investment product before starting an investment.
3. Consult with an expert, for example a Moduit Beyond Wealth Advisor

How to Become a Wealth Management Client

PT Moduit Digital Indonesia is an investment advisory company under OJK (Decree: KEP-30/D.04/2019).

Moduit Beyond is a priority wealth management service from Moduit that provides Wealth protection and preservation management. Moduit Beyond partners with wealth advisors who have more than 15 years of experience in the industry

Becoming a Moduit Beyond client is as simple as completing a brief registration form. Initial investment starts at IDR 1 billion. The benefits of becoming a Moduit Beyond client include:

• Personal advisor
• Curated financial products
• Priority access for newly launched products & services
• Daily reports on the market
• Priority call center
• Exclusive lounge access
• Year-end gifts

You can become a Moduit Beyond client by contacting us on this form or reaching out to a Moduit Beyond advisor partner.