News - The Right Steps for Long-Term Stock Investment for Beginners

The Right Steps for Long-Term Stock Investment for Beginners

Mar, 04 2026

The ever-changing dynamics of the global economy require individuals to develop a deeper understanding of asset management. Amid rising inflation that can gradually erode the value of conventional currencies, investment instruments become a crucial solution for preserving purchasing power in the future. Long-term stock investment stands out as one of the most rational choices for individuals who aim to build sustainable wealth by participating in the ownership of productive and innovative companies.

Understanding the mechanisms of the capital market is a fundamental first step before allocating funds to risk-bearing assets. In principle, the growth of stock prices is driven by the performance of companies and macroeconomic conditions that support overall business stability. Beginner investors must recognize that daily price fluctuations are a natural part of the market ecosystem. However, over a longer time horizon, economic growth trends are generally reflected in the appreciation of high-quality stocks.

One of the greatest advantages of long-term investing lies in the concept of compound interest, which allows profits to be reinvested and generate even greater returns over time. In today's digital economy, access to information and the convenience of trading through online brokerage platforms have significantly lowered the barriers to entry for the general public. This development enables investors to diversify their portfolios more efficiently while mitigating potential risks in both global and domestic capital markets.

Selecting stocks with strong fundamentals is a key pillar in building a resilient investment portfolio. Investors are encouraged to focus on companies with consistent earnings records, professional management, and business models that remain relevant to modern economic developments. By carefully analyzing financial statements, investors can identify a company's intrinsic value and avoid speculative traps that often lead to short-term losses.

Sector diversification is another smart strategy to protect investment value from shocks affecting a particular industry. Allocating capital across various sectors such as banking, consumer goods, and technology can provide balance when one sector experiences contraction due to fiscal or monetary policy changes. This approach ensures that the overall growth of a portfolio does not rely solely on a single entity but is supported by multiple engines of economic growth.

Maintaining discipline through regular investment, commonly known as the dollar cost averaging method, is highly effective in dealing with volatile market conditions. By setting aside a portion of income periodically without being influenced by emotional market sentiment, investors can obtain a more competitive average purchase price over time. This method is particularly suitable for beginners because it helps minimize the risk of mistiming market entry during periods of uncertainty.

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Managers Call Rebana Area a New Economic Driver in West Java

Majalengka (ANTARA) -Bernardus Djonoputro, Managing Head of the Rebana Area Management Agency, said that the Rebana Metropolitan agglomeration area, which covers seven cities/regencies in West Java, is a new economic driver in the industrial sector for the province. “The Rebana area covering Cirebon City, Cirebon Regency, Indramayu Regency, Majalengka Regency, Kuningan Regency, Subang Regency and Sumedang Regency is a new meeting pole for the economy in West Java,” Bernardus said in Majalengka, West Java, Wednesday. He explained that of the 13 industrial estates covering 43 thousand hectares that are being developed in Rebana Metropolitan, seven of them have shown significant progress, especially in the East Cipali and Kertajati-Jatitujuh areas in the last two years. According to him, investment activities in this area have also been going well and are expected to increase in the coming years. Based on the latest data collection in 2024, his party noted that investment realization in Rebana Metropolitan increased by around 8.5 percent compared to 2023. In addition, he said that the region's economic growth was already at 5.8 percent and this achievement was in accordance with the set target. “We estimate the rapid growth of industrial estates in 13 industrial estates in the Rebana region. With an average area of 200 hectares per area, it is estimated that it can create 40 thousand new jobs,” he said. Bernardus said that the development of industrial estates in the region can be accelerated because it is supported by infrastructure such as Kertajati Airport and Patimban Port, which are part of the National Strategic Project according to Perpres 87/2021. In addition, he revealed that the industrial estate only occupies around 5 percent of the total land area in Rebana, so the rest can be allocated for green open space (RTH) and other needs to maintain the feasibility of housing in the area. He added that each local government in the region acts as the Supervisory Board of the Rebana Area Management Agency, so that the development of industrial sites can be carried out properly. “We strive for the Rebana area to become a new inclusive growth center, with integrated housing designed to meet the needs of the workforce,” he said. SOURCE

Aug, 22 2024

The Deputy Minister of Manpower and the Governor of West Java Discuss the Minimum Wage and Efforts to Improve Worker Welfare

Jakarta, Gakorpan News – Deputy Minister of Manpower (Wamenaker), Afriansyah Noor, and West Java Governor Dedi Mulyadi discussed the Minimum Wage policy and various efforts by the West Java Provincial Government to improve worker welfare and business sustainability in West Java. The discussion took place at the Ministry of Manpower Office in Jakarta on Thursday (January 8, 2026). The Wamenaker expressed his appreciation for Governor Dedi Mulyadi's commitment to championing the welfare of the people of West Java, both through the Minimum Wage policy, the provision of various additional benefits, and encouragement of regional economic growth. "We must uphold, agree on, and appreciate this, as it is the result of a collaborative and collaborative process conducted through tripartite meetings, involving the National Wage Council and the Provincial Wage Council," said the Wamenaker. He also expressed his full support for the West Java Provincial Government's policy regarding free education up to senior high school (SMA/SMK) level, as well as housing credit facilities for workers and teachers. According to him, this policy represents an additional welfare measure beyond the Provincial Minimum Wage (UMP), the benefits of which are directly felt by the community. "This is an extraordinary addition beyond the UMP. The welfare demands of workers and teachers cannot be seen solely from one sector, as other sectors have also been met," he added. Furthermore, the Deputy Minister of Manpower emphasized the Ministry of Manpower's commitment to maintaining national and economic stability in every province and district, so that economic growth can have a direct impact on improving public welfare. He explained that the Governor of West Java is committed to encouraging industrial growth as a strategic step in creating adequate and sustainable employment opportunities, thereby increasing the welfare and wages of the people of West Java. "He will invite investment into the regions to encourage industrial growth, create employment agreements, and recruit the maximum workforce," he said. Meanwhile, West Java Governor Dedi Mulyadi acknowledged that serious challenges remain in efforts to improve public welfare. He emphasized that various facilities beyond the UMP will continue to be promoted to meet the needs of a decent living for the people of West Java. "There is a fairly high poverty line in West Java, especially in areas where the majority of the population is farm laborers and fishermen. Therefore, there is no other way but to encourage industrial growth," explained Dedi. He hopes that industry in West Java can continue to develop so that people do not have to flock to work abroad as informal workers, but can instead obtain decent employment opportunities in the formal sector in West Java. For your information, the West Java Provincial Government has set the West Java Provincial Minimum Wage (UMP) for 2026 at IDR 2,317,601.00, an increase of approximately 5.7% from the previous year's UMP. This determination took effect on January 1, 2026, and is part of a strategy to maintain workers' purchasing power while also considering the sustainability of the business world. [SOURCE]

Jan, 09 2026

KoinWorks Opens Investment Opportunities for Freelancers and Entrepreneurs

KORAN GALA - KoinWorks organized Money Diary Talks (MDT), which raised the theme of strategies to build a strong investment portfolio, aimed at entrepreneurs in Bandung who want sustainable asset growth. The first MDT in Bandung involved Anggia Bonyta, a content creator who is also the owner of Imah Babaturan stall, Stewart Sim, Head of Wealth Management from KoinWorks. “Starting an investment is easy, but what makes it a challenge is when there is a need to change our lifestyle. Usually, we claim there are no funds that can be set aside for investment; even though there are, if only the lifestyle is adjusted to the needs,” said Stewart. Stewart added that KoinWorks encourages business owners to invest as part of their financial planning, as it can help optimize the profit earned from idle funds. In the future, these funds can be used for business expansion, dealing with emergencies, or other financial goals. “I agree. Before I started setting aside funds for investment, for emergency funds, for children's education, and others, I often put more importance on funds for vacations or to buy shoes,” said Anggia. “But it had to be forced. Now my life is calmer, even though my income is not fixed; either from the business of Imah Babaturan's warung, or my own business as a content creator,” she continued. For those who are still getting acquainted with investing, Stewart explains, “Evaluating financial risk should always be a priority in any investment decision, alongside profitable returns. Understanding this is important to ensure the sustainability and growth of the investment.” One of the low-risk investment instruments that can be considered is deposit products. KoinWorks Bank has deposit products that can be accessed through the KoinWorks application or through the KoinWorks consultation team. “Deposits currently offer 6.75% p.a. interest guaranteed by LPS, so businesses can optimize their excess liquidity while still securing funds and achieving stable returns,” he concluded. *** SOURCE

Jul, 25 2024

Net Profit in 1Q24 Plunged 21%; BJBR Invested in Securities Reached Rp11.51 Trillion

During the first six months of 2024, PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk (BJBR) was only able to record a net profit of IDR 725.86 billion or a 21.11% drop compared to Semester I-2023 which amounted to IDR 920.14 billion. Based on BJBR's financial report for the period ending June 30, 2024 quoted on Sunday (4/8), the bank under the control of the West Java Regional Government was able to record revenue and sharia income of Rp7.76 trillion or grew 12.14 compared to the same period in 2023 of Rp6.92 trillion. Unfortunately, BJBR's management failed to optimize the control of interest and sharia expenses in the first half of 2024, which was recorded to swell 29.19% (year-on-year) to Rp4.47 trillion, so that net sharia income and interest became Rp3.29 trillion or fell 4.91% (y-o-y). In the first half of 2024, BJBR recorded other operating income of Rp989.27 billion or an increase of 15.1% when compared to other operating income in the same period in 2023 worth Rp859.47 billion. With other operating expenses amounting to Rp3.33 trillion in H1-2024, BJBR's operating profit amounted to Rp945.04 billion or slipped 14.8% compared to H1-2023 which reached Rp1.11 trillion. BJBR's income statement performance during the first six months of this year was further depressed by other operating expenses (net) which swelled 104.97% (y-o-y) to Rp11.95 billion, so that profit before tax in Semester I-2024 became Rp931.1 billion or fell 15.6% (y-o-y). As a result of income tax expense (net) in the first half of this year amounting to Rp160.17 billion, the profit for the year recorded by BJBR was Rp770.92 billion, or slumped 15.17% (y-o-y). The amount of profit for the year attributable to owners of the parent entity in the first semester of 2024 was IDR 725.86 billion, or a 21.11% drop (y-o-y). As of the end of June 2024, BJBR recorded a loan disbursement of Rp126.95 trillion or only grew 9.16% compared to December 31, 2023 which amounted to Rp116.3 trillion. As of June 30, 2024, total assets were recorded at IDR207.27 trillion, an increase of 10.07% (year-to-date), with cash and cash equivalents of IDR2.93 trillion, a decrease of 17% (y-t-d). The decrease in cash was influenced by the net cash flow used for investment activities amounting to Rp6.82 trillion or soared 360.81% (y-o-y), especially the placement of funds in securities which reached Rp11.51 trillion or soared 327.88% (y-o-y). As of June 30, 2024, total customer deposits amounted to Rp141.04 trillion, an increase of 10.68% (y-t-d), with total liabilities of Rp181.93 trillion, an increase of 11.22% compared to the position as of December 31, 2024 which amounted to Rp163.58 trillion. SOURCE

Aug, 05 2024

Sumedang Submits Ujungjaya Water Supply Project Proposal to Kementerian PU

The Sumedang Regency Government has officially proposed several strategic infrastructure development projects, with the primary focus on the construction of a Drinking Water Supply System (SPAM) in Ujungjaya District, aimed at accelerating economic growth within the Rebana Metropolitan Area. “Alhamdulillah, we had the opportunity to meet and present various development proposals for Sumedang Regency, including the construction of the Ujungjaya Drinking Water Supply System,” said Sumedang Regent Dony Ahmad Munir on Thursday (June 18, 2026). According to Regent Dony, Ujungjaya District plays a crucial role as the location of several National Strategic Projects (PSNs). The area is designated for the development of the People's School Program, the Territorial Development Battalion, the Insan Cendekia State Islamic Senior High School (MAN Insan Cendekia), and the Ujungjaya–Butom Industrial Estate, all of which are integrated into the broader development of the Rebana region. “With the rapid development of these projects, the demand for clean water has become increasingly urgent. Therefore, we seek the support of the Ministry of Public Works to expedite the realization of the Ujungjaya SPAM project,” he stated. In addition to the Ujungjaya initiative, the Sumedang Regency Government has also proposed the optimization of raw water utilization from the Cipanas Dam and the expansion of drinking water supply systems to other areas across the regency. These efforts are intended to broaden access to clean water services for communities throughout Sumedang. “This is part of our ongoing commitment to improving public services, particularly by ensuring greater access to clean water for the people of Sumedang,” Dony added. Beyond water and sanitation infrastructure, Regent Dony also highlighted the urgency of upgrading several strategic road sections across the regency. To strengthen its proposals, the Sumedang Regency Government has previously submitted official letters and technical proposals to the relevant ministries. “We will continue proactively engaging with the central government to secure support for infrastructure development in Sumedang. We ask for the prayers and support of all Sumedang residents so that these initiatives can proceed smoothly and be realized soon for the advancement of Sumedang Regency,” he concluded. [SOURCE]

Jun, 19 2026

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