by admin | Mar 24, 2025 | business, diversity, equities, investing, investment strategies and advice
A key lesson I picked up as I started my investment journey is how crucial diversification can be.
Diversification is crucial since different types of assets tend to behave distinctively. Take for instance last year; local bonds outperformed stocks. Yet, at other points in history, equities have shown superior performance compared to fixed-income securities.
Having assets from different classes will make your investment portfolio less prone to fluctuations and help it perform more steadily over time when contrasted with a portfolio that only concentrates on a single type of asset.
Among the numerous stocks listed on the Philippine Stock Exchange (PSE), their performance levels differ significantly. Take for instance the constituents of the PSE Index (PSEi); Converge emerged as the top performer in 2024 with its share price nearly doubling. Conversely, Bloomberry stood out as the poorest performing stock within this timeframe, seeing its share value drop by 53.5 percent.
Should you unfortunately hold shares in Bloomberry, your investment portfolio wouldn’t have taken as big of a hit if you had other stock holdings too.
A key rationale for diversification is to steer clear of errors that could result in substantial financial setbacks.
In terms of investment, the size of your funds significantly influences the total profits you can achieve. To illustrate, a 20% gain on a ₱100,000 investment yields just ₱20,000 whereas a 10% profit on a ₱1 million portfolio amounts to ₱100,000.
If you already possess P1 million, you wouldn’t want to make errors that could result in a substantial decrease of your funds.
A method to achieve this is by steering clear of putting all your investments into one stock since unexpected events might lead to a sharp decline in a company’s share price, resulting in considerable financial loss.
In addition to investing in multiple asset classes and various stocks or bonds, there are numerous other methods to diversify your investments.
A method is to purchase international shares and debentures. These financial instruments from abroad tend to behave distinctively when contrasted with local equities and fixed-income securities, particularly those issued by nations beyond Asia.
In the previous year, the U.S.’s S&P 500 index surged by 23.3 percent whereas the Philippine Stock Exchange Index (PSEi) climbed just 1.2 percent. As of now this year, both indices have experienced declines. Nonetheless, some markets like China’s are showing robust performance.
The positive development here is that investment funds targeting foreign stocks and bonds are now accessible to Filipinos interested in exploring international markets. You can acquire these funds via asset management firms, banks, and brokers with just a few thousand pesos.
A different approach to diversification involves purchasing stocks and bonds from various sectors. These distinct elements impacting separate industries account for their varying performance levels.
Last year, the PSE Financials Index rose by 24.1 percent due to increased profit margins for banks and consistent loan requests. Conversely, the PSE Property Index declined by 16.7 percent because negative sentiments towards property firms were fueled by elevated interest rates and an abundance of unsold residential condos and leased offices.
Ultimately, when purchasing bonds, you can spread out risk by acquiring those with varying maturity periods—ranging from short-term to long-term ones. This strategy ensures that not all of your bonds will be ready for redemption simultaneously, enhancing both your cash flow flexibility and your capacity to take advantage of new prospects as they arise.
If, for instance, you allocated all your resources into a 10-year bond at the peak of the COVID-19 outbreak when interest rates were extremely low, you wouldn’t have been able to put money into bonds offering significantly better returns currently available.
Diversification serves as a crucial strategy for managing risks since it aids in minimizing volatility and prevents substantial financial losses. While your possible returns may not match those from heavily investing in a single stock that significantly increases in value within a year, you gain peace of mind knowing that the likelihood of suffering major setbacks due to poor decisions is greatly reduced. INQ
by admin | Mar 24, 2025 | business, female empowerment, women, women entrepreneurs, women leaders
The financial services company Leadway has launched a dedicated initiative called Hersurred aimed at empowering women.
During the unveiling ceremony in Lagos on Friday, it was highlighted that this community is dynamic and aimed at empowering women to excel in their businesses, personal lives, and all aspects of existence.
At an event held for the Leadway Group, Kunbi Adeoti, who serves as the Chief People Experience Officer, commented that society must take further steps to support and empower women.
She stated, “By establishing this community today, which transcends the usual operations of Leadway within society, our aim is to support women who wish to achieve financial independence, establish businesses, and advance their careers. As we move forward, Leadway will continue developing products designed to facilitate these goals. We are committed to introducing an increasing number of offerings tailored explicitly for women to aid them throughout their journeys.”
The Secretary of the Lagos State Government, ‘Bimbola Salu-Hundeyin, who was represented by Anthonia Oredipe, urged the private sector to support governmental efforts aimed at empowering women.
Lagos supports her, yet we must acknowledge that governmental efforts alone are insufficient. Genuine transformation occurs when the private sector, communities, and individuals come together to foster environments where women not only participate but also flourish. That’s why I commend Leadway for founding Hersurred.
This goes beyond merely coming together; it’s a movement that assures every woman, irrespective of her origins, that she possesses the necessary backing to thrive.
During a panel discussion at the event, Tosin Olaseinde, who founded MoneyAfrica and Ladder, emphasized the importance of women moving towards making investment choices rather than just saving money.
Olaseinde mentioned that women excel at saving money, yet tend to avoid taking risks. He stated, “While saving is excellent, building significant wealth requires investing with some level of risk. Transitioning from being cautious savers to bold investors demands considerable effort, but once they do, they become exceptional investors. The primary danger lies in potentially assuming excessive risks which could lead to substantial losses. Nonetheless, since women are adept at managing risks, all that’s needed is for them to make this shift.”
The managing director of Gas Ventures, Neconde Energy Limited, Engineer Chichi Emenike, aligned with the theme of this year’s International Women’s Day celebration, ‘Accelerate Action’, and challenged women to rise to the occasion wherever they find themselves.
“Regardless of the sector you’re in, remember that business is all about business; it shouldn’t turn into a discussion about gender. Meeting your key performance objectives is crucial. Continuous improvement is essential,” she stated.
Provided by SyndiGate Media Inc. (
Syndigate.info
).
by admin | Mar 24, 2025 | business, flights, Travel, travel destinations, vietnam
The restart of both chartered and scheduled flights between Russia and Vietnam has sparked increasing interest in this Southeast Asian destination.
As reported by Travelata.ru, tour sales have seen an increase of 9% within just one month and several-fold growth when compared to the corresponding timeframe from the previous year.
Currently, Vietnam is seeing the most rapid increase in hotel bookings, outpacing Thailand and getting closer to the demand levels seen before the pandemic.
From February 1 to March 18, Sletat.ru saw a 3.4 times surge in tour sales, whereas Level.Travel experienced a fourfold growth in March.
Russian Express reported a 5.5-times increase in February and March compared to the previous year, and Let’s Fly CEO Lyubov Voronina anticipated a growth of 20% in demand, fueled by an expansion in flight routes.
In wintertime 2024, direct flights between Russia and Vietnam were restarted after they had been halted in 2020 because of the pandemic. Aeroflot has begun serving Ho Chi Minh City and plans to commence service to Nha Trang starting March 22nd.
Azur Air and Pegas Touristik have initiated charter operations, whereas Vietnam Airlines intends to launch the Moscow-Hanoi service in May.
According to OneTwoTrip, Vietnam is listed among the top 10 travel destinations for March, seeing double the number of flight and hotel reservations compared to the previous year during this time.
Yandex Travel noted a 49% rise in air ticket sales compared to the previous year, whereas Aviasales experienced a 62.5% boost in their market share within Vietnam. The hotel reservation site Ostrovok identified Vietnam as the most rapidly expanding travel destination, recording a 25% uptick in bookings.
Anex Tour positioned Vietnam as the third top choice for summer travel following Turkey and Egypt. Experts noted that Vietnam’s attractiveness is increasing as Thailand grapples with excess capacity issues.
Voronina pointed out that Mui Ne and Nha Trang resorts provide an appealing option, even during summertime.
Oleg Kozyrev, who serves as the marketing director at Travelata.ru, expressed his belief that Vietnam’s structured tourism sector is poised to recover and return to its pre-pandemic standing.
by admin | Mar 24, 2025 | business, economics, financial markets, investing market news, news
Asian markets fluctuated on Monday as the White House plans to introduce tariffs on major trade partners starting next week, with concerns that these measures might inflict significant damage on the worldwide economy.
A report indicating that U.S. President Donald Trump was contemplating a more focused strategy for the tariffs scheduled to take effect on April 2nd failed to calm investors’ concerns, as the ambiguity undermined their confidence.
Since regaining power in January, the U.S. president has unsettled financial markets by criticizing longtime allies and implementing or threatening significant tariffs on various imported products such as steel and automobiles.
The upcoming Wednesday has become the center of interest, with Trump dubbing it “Liberation Day” as he gets ready to announce a series of retaliatory actions aimed at responding to what other nations have implemented.
“Ahead of Trump’s ‘Freedom Day’ scheduled for April 2nd, along with the subsequent wave of tariff-related statements expected in the coming days or weeks, anticipation and preparedness will increasingly influence market prices, investor sentiments, and trading volumes this week,” noted Chris Weston from Pepperstone.
As the sky turns darker and starts to show signs of bruising, with increasing atmospheric pressure felt across the capital markets, participants wonder whether they should prepare for an approaching storm of uncertainty by securing their positions.
Last week, the Federal Reserve cautioned that “the uncertainty surrounding the economic forecast has grown.” Similarly, the central banks of Japan and Britain expressed concerns regarding the effects of the White House’s policies.
Chinese Premier Li Qiang said at the weekend that Beijing was readying for “shocks that exceed expectations” ahead of the latest measures, adding that “instability and uncertainty are on the upswing”.
As he held meetings with leaders from several of the globe’s largest corporations, such as Apple, Qualcomm, FedEx, and Pfizer, his remarks were made public.
Australian Treasurer Jim Chalmers informed Bloomberg News that the actions taken by Trump are “not unexpected, yet they are transformative.”
According to Bloomberg News, the U.S. administration was contemplating a more selective strategy regarding tariffs, where certain nations would be affected more significantly than others, and the actions were anticipated to be less harsh compared to initial expectations.
This followed when the president informed reporters on Friday that he would show “flexibility” in his proposals.
Nevertheless, Asian investors found it difficult to kick-start the week on a positive note as markets seesawed throughout the morning.
Tokyo was flat, while Shanghai, Singapore and Taipei were slightly higher.
Hong Kong, Sydney, Seoul, and Wellington saw slight declines.
Gold traded near $3,025 after reaching several all-time highs the previous week, peaking above $3,057 due to increased demand for safe-haven assets.
Prominent individuals at approximately 0230 GMT
Tokyo – Nikkei 225: REMAINS UNCHANGED AT 37,676.97
Hong Kong – Hang Seng Index: Down 0.1% at 23,660.67
Shanghai – Aggregate: Increased by 0.1% to reach 3,369.57
Euro/dollar: Increased to $1.0831 from $1.0815 on Friday
Pound/dollar: Increased to $1.2930 from $1.2918
Dollar/Yen: Increased to 149.75 yen from 149.36 yen
Euro/pound: INCREASED to 83.76 pence from 83.72 pence
West Texas Intermediate: Down 0.2% at $68.13 per barrel
Brent North Sea Crude: Down 0.3% at $71.97 per barrel
New York – Dow: Increased by 0.1% to close at 41,985.35 points.
London – FTSE 100: Decreased by 0.6 percent to close at 8,646.79 points.
by admin | Mar 23, 2025 | 5g, business, news, technology, technology trends
Lifehack My ID
, JAKARTA —PT
XL Axiata
Tbk. (EXCL) menyebut model
multi-operator core network
(MOCN) bisa jadi solusi efektif dalam mendorong penerimaan lebih cepat.
5G
di Indonesia.
Adapun, Kementerian Komunikasi dan Teknologi Digital (
Komdigi
Berencana untuk mengubah menjadi MOCN atau
sharing network
untuk mempercepat layanan 5G.
Alvin Aslam, Kepala Grup Regulasi dan Hubungan Pemerintah XL Axiata, menekankan bahwa salah satu faktor penting dalam penerapan layanan 5G adalah adanya alokasi spektrum yang memadai untuk mendukung penggunaan teknologi tersebut.
Komdigi Perkuat Jaringan Model Sharing Network (MOCN) 5G, Cepat Undang Operator Seluler
Menurut Alvin, MOCN adalah salah satu metode yang dapat diterapkan untuk mendorong pertumbuhan jaringan 5G lebih cepat. Secara fundamental, MOCN mengoptimalkan pembagian frekuensi dengan menggunakan spektrum secara bersama-sama di antara para penyedia layanan.
Alternatif lainnya merupakan penugasan spektrum frekuensi ke pada operator dengan cara yang paling efisien di setiap area.
layer band
spektrum yakni
low band
untuk
coverage
dan
mid band
“Untuk kemampuan yang secara eksternal 5G telah teruji,” ujar Alvin kepada
Bisnis
dikutip, Minggu (23/3/2025).
:
Menkominfo Berharap MOCN Mendukung Percepatan Pengembangan Jaringan 5G
Alvin menyebutkan bahwa penyebaran dari pembagian spektrum frekuensi ke semua penyedia layanan sangatlah krusial agar para operator dapat menjaga kompetitifitasnya.
“Oleh karena itu, pemerintah harus memastikan penentuan pembagian sumber daya yang sesuai untuk semua operator, misalnya dengan menerapkan batas pada pembagian yang ada,” katanya.
:
Indosat Berharap Integrasi Jaringan MOCN Selesai di Kuartal I Tahun 2023
Diberitakan sebelumnya,
Nezar Patria, Wakil Menteri Komunikasi dan Digital (Wamenkomdigi), menyebut bahwa mereka sedang meninjau kelebihan dan kekurangan dari MOCN.
Nezar pun menyebut model
sharing network
Ini menawarkan berbagai keuntungan apabila diterapkan di Indonesia.
Oleh karena itu mari kita mulai dengan mencoba membuat review terlebih dahulu.
sharing network
ini kalau secara hitungan
cost
dan
benefit-
nya itu lebih banyak
benefit
-nya,” kata Nezar kepada
Bisnis
, Kamis (20/1/2025).
MOCN merupakan konsep bagi para penyedia layanan seluler untuk bisa menggunakan bersama-sama fasilitas dari jaringan akses nirkabel (RAN), seperti tiang penopang, antena, serta pita frekuensi, meskipun mereka masih menjaga keutuhan jaringan inti masing-masing.
core network)
mereka secara terpisah.
Model ini disebut telah sukses diimplementasikan di Malaysia, sehingga luasan jaringan 5G di negara tersebut sudah mencapai 80%.
Sementara itu, kemajuan jaringan 5G di Indonesia belum begitu signifikan. Bahkan, Malaysia telah menerapkan teknologi 5G secara bersamaan dengan Indonesia sejak tahun 2021.
by admin | Mar 23, 2025 | business, commerce, investing market news, news, news media
Inovasi Mudah dengan ID.CO.ID – Jakarta.
Kelompok Merdeka siap menuai buah dari ekspansi mereka ke dalam sektor usaha komoditi emas dan nikel. Perusahaan Publik PT Merdeka Copper Gold Tbk (MDKA) kini tengah mendorong penyelesaian proyek tambang emas Pani agar dapat dimulai produksinya pada awal tahun mendatang.
Albert Saputro, Presiden Direktur dari Merdeka Copper Gold, menyatakan bahwa segala persiapan untuk proyek tambang emas di Pani akan selesai menjelang penghujung tahun. Setelah itu, ekstraksi dan produksi emas pertama direncanakan dimulai pada triwulan I-2026.
Di awal, MDKA bertujuan agar hasil produksi emas dari Proyek Pani dapat mencapai antara 80.000 hingga 100.000 ons. Menurut Albert saat acara konferensi pers pada hari Kamis (20/3), “Produksinya akan sekitar angka itu nantinya. Maka jika dihitung terhadap penerimaan, tentu bergantung juga dengan harga jual emas.”
Albert menyambut positif kenaikan harga komoditas emas hingga ke level tertinggi sejauh ini (
all time high
hingga mencapai angka US$ 3.000 per ons troi. Kenaikan harga emas pada awal tahun ini disebabkan oleh ketidakstabilan ekonomi dunia, yang semakin meningkatkan daya tarik aset tersebut.
safe haven.
Forum Industri Nikel Indonesia (FINI) Tolak Usulan Peningkatan Tarif Royalti, Berikut Argumen Mereka
Meskipun demikian, Albert tidak mau menerka-nerka tentang perkembangan harga logam mulia emas di masa mendatang. Sebab, perubahan harga logam mulia ini sangat bergantung pada situasi pasarnya serta kondisi ekonomi dunia secara keseluruhan. “Bisa jadi jika harganya tetap lumayan positif. Namun, kita sebagaiikan semuanya kepada yang lebih berhak memutuskannya,” katanya.
price taker,
bukan
price maker,
” kata Albert.
Dus, kendati harga emas berada di level yang tinggi, MDKA tidak akan serta merta mengerek produksi. Albert memastikan, tingkat produksi emas MDKA masih sesuai dengan panduan awal.
“Saat ini target produksi emas tetap sama (tidak berubah). Kenaikan produksinya akan berasal dari Proyek Pani pada tahun 2026,” jelas Albert.
Menurut catatan Lifehack My ID.co.id, MDKA bertujuan untuk menghasilkan antara 100.000 hingga 110.000 ounce emas selama tahun 2025. Angka ini mencerminkan penurunan sebesar 5,06% sampai 13,69% jika dibandingkan dengan hasil produksi yang dicapai di tahun sebelumnya.
MDKA menghasilkan 115.867 ounce emas di tahun 2024. Biaya cash cost-nya tahun lalu adalah US$ 1.017 per ons troi, sementara harga jual rata-ratanya atau ASP mencapai US$ 2.371 per ons troi.
Pada Proyek Emas Pani, MDKA menargetkan produksi emas bisa mencapai sekitar 150.000 ounces pada tahun 2026. MDKA kemudian akan mengerek produksi hingga bisa mencapai 300.000 ounces di tahun-tahun berikutnya.
Berikutnya, tambang emas yang terletak di Gorontalo tersebut memiliki kadar lebih dari 6,9 juta ons emas. MDKA akan melakukan penambangan Pani secara bertahap sampai dapat menyentuh taraf produksi maksimum sebesar 500.000 ons emas setiap tahunnya.
Di luar fokus pada emas, perusahaan tambang mineral yang dikendalikan oleh PT Saratoga Investama Sedaya Tbk (SRTG) serta Garibaldi “Boy” Thohir ini juga aktif dalam pengembangan sektor nikel. Aktivitas operasi dan pengejaran ekspansi untuk komoditas nikel kelompok Merdeka dilakukan lewat PT Merdeka Battery Materials Tbk (MBMA).
Meskipun demikian, dalam konteks bisnis, pasar untuk komoditas nikel tampaknya lebih stabil dibandingkan dengan emas yang telah mencapai puncak historisnya. Bahkan baru-baru ini, harga kontrak berjangka nikel sudah mulai naik dan berada di atas tingkat US$ 16.500 per ton.
UNIDO Menjajari Kemungkinan Pengembangan Sektor Industri Ramah Lingkungan dan Pemurnian Nikel di Indonesia
Albert menggarisbawahi kisaran harga antara US$ 14.000 sampai dengan US$ 15.000 sebagai titik dukungan untuk logam nikel. “Ini adalah tingkat dukungan yang telah kita amati sebelumnya. Saya pun tak pasti apakah harganya akan mencapainya atau tidak,” jelas Albert.
Dalam aspek pengembangan industri nikel, langkah terakhir dilakukan tanggal 13 Maret 2025 ketika MBMA merilis penjualannya pertama kali untuk produk Mixed Hydroxide Precipitate (MHP). Produk ini diproduksi oleh PT ESG New Energy Material (PT ESG), sebuah perusahaan joint venture antara HPAL dan GEM Co., Ltd.
PT ESG mendapatkan Surat Ijin Usaha Industri di bulan Februari 2025 dan melaksanakan debut penjualannya pada Maret 2025 dengan mengantarkan 6.500 metrik ton nikel berbentuk MHP. Pengiriman ini menjadi kali pertama dari deretan pengiriman terencana untuk seluruh tahun 2025.
PT ESG merencanakan pabrik HPAL-nya akan menghasilkan sebanyak 30.000 ton nikel MHP setiap tahun. Secara spesifik, Train 1 yang berkapasitas 20.000 ton per tahun sudah dimulai operasionalnya di pertengahannya bulan Desember 2024.
Train 2 dengan kapasitas sebesar 10.000 ton per tahun sedang menjalani proses komisioning dan direncanakan untuk mencapai produksi awalnya pada kuarter kedua tahun 2025. Untuk menjamin suplai bahan baku yang tetap tersedia dan biayanya terjaga, tambang milik PT Sulawesi Cahaya Mineral (SCM), sebuah anak usaha dari MBMA, akan memberikan sumber biji limonit yang konstan dalam periode waktu lama kepada PT ESG.
Di samping proyek itu sendiri, Grup Merdeka juga melakukan perluasan di Pabrik AIM (Asam, Besi, Logam). Aktivitas komisi sudah berhasil dicapai, dan pabrik asam pun mulai beroperasi sejak bulan April tahun 2024.
Kelompok Merdeka pun bakal mengeksplorasi deposit tembaga yang ada di bawah penambangan emas Tujuah Bukit di wilayah Banyuwangi, Jawa Timur. Menurut Albert, MDKA tetap meneruskan analisis sambil mengurus sejumlah izin yang diperlukan.
“Beberapa di antara mereka sedang dalam tahap perizinan. Kita pun tetap melanjutkan proses studinya. Tujuannya adalah untuk memastikan adanya persediaan tambahan serta meningkatkan efisiensi rencana pengembangan kita. Oleh karena itu, proyek tersebut masih berlangsung,” jelas Albert.
Dengan beragam program perluasan ini, terutama dalam bidang nikel dan emas, Albert percaya bahwa Grup Merdeka dapat meraih peningkatan performa. Ia menegaskan, “Tahun 2024 adalah masa pembangunan dengan banyak projek still dalam tahap konstruksi. Proses rampungnya akan dimulai dari tahun 2025 hingga 2026. Oleh karena itu, dampak signifikan baru akan dirasakan pada periode tersebut.”
Pemerintah Menangguhkan Moratorium Terhadap Smelter Nikel RKEF, Berikut Implikasinya Bagi Sektor Industri
