{"id":5767,"date":"2014-04-18T00:17:37","date_gmt":"2014-04-17T17:17:37","guid":{"rendered":"http:\/\/edunik.com\/home\/?p=5767"},"modified":"2014-04-18T00:32:25","modified_gmt":"2014-04-17T17:32:25","slug":"life-confidence-game","status":"publish","type":"post","link":"https:\/\/edunik.com\/home\/?p=5767","title":{"rendered":"[life] Confidence Game (investasi via fin planner?)"},"content":{"rendered":"

\"\"<\/p>\n

Sudah lama tidak menulis spt ini, dan ga berencana, namun akhirnya ga tahan saat baca banyak berita berseliweran soal selebriti kondang yang merasa terjebak financial planner yang juga kondang.<\/p>\n

Dua hal ‘ajaib’ dari kasus ini :<\/p>\n

1. Apakah benar bahwa financial planner <\/em>itu untuk melipatgandakan asset? Koq ke sana? <\/em><\/strong><\/p>\n

Bukankah tujuan financial planner<\/em> adalah manajemen keuangan pribadi, dimana investasi itu hanya salah satu area. Masih ada pengelolaan hutang, expense<\/em>, pos-pos biaya.<\/p>\n

Saya selalu membayangkan financial planner <\/em>itu seperti personal trainer<\/em> dimana banyak orang yang belum merasa sehat mau coba hidup sehat lewat olahraga. Kalau udah atlet mah ya cari pelatih spesialis yang lain aja.<\/p>\n

Kalau memang tujuannya pure investment<\/em>, ya cari aja manajer investasi.<\/p>\n

Kalau seseorang sedemikian piawai memilih investasi yang paling menguntungkan, ya ga mungkin (dan ngapain) jadi financial planner<\/em> (bukan berarti profesi financial planner lebih jelek dari manajer investasi lho ya, cuma ya beda aja)<\/p>\n

2. Bagaimana bisa produk dengan resiko setinggi itu masuk dalam program financial planning<\/em>?<\/strong><\/p>\n

Ini tentu dengan asumsi bahwa benar bahwa financial planner <\/em>itu beda dengan manajer investasi. Tugasnya bukan untuk melipatgandakan uang klien-nya, melainkan agar manajemen keuangan klien-nya sehat.<\/p>\n

Kalau kita ke manajer investasi yang produknya reksadana, produk yang dianggap beresiko besar adalah reksadana saham.<\/span> Produk ini sebenarnya sudah : (a) campuran dari berbagai saham, (b) sahamnya saham publik yang amat dikontrol ketat, namun tetap dianggap high risk<\/em> karena nilainya bisa turun dan tidak liquid<\/em>.<\/p>\n

Nah, koq bisa ada rekomendasi ke index trading, gadai emas, direct-investment<\/em> ke perusahaan; sebagai bagian dari ‘financial planning<\/em>‘. Semuanya bisa berujung hilang total simpanan lho. Ini juga membuat bingung. Apa batas resikonya? Ga mungkin dong sampai merekomendasikan klien untuk ke kasino aja karena ‘return-nya besar’.<\/p>\n

Again, kalau lihat analogi si personal trainer, <\/em>koq dia nawarin latihan marathon.<\/p>\n

————<\/p>\n

Mau tidak mau jadi ingat serial favorit sepanjang masa : HUSTLE (review singkat klik sini<\/a>), tentang para con men<\/em>. Mereka sebenarnya menjalankan apa yang disebut confidence (therefore : con) game<\/em>.<\/p>\n

Confidence game<\/em> itu adalah membangun kepercayaan diri ‘korban’ sehingga bisa mengabaikan segala jenis statistik, kecurigaan, maupun akal sehat, untuk melakukan sesuatu (yang biasanya menguntungkan para con men<\/em> ini).<\/p>\n

Salah satu modusnya simple. Ronde satu – minta ‘korban’ setor X, berikan keuntungan XX. Ronde dua – minta korban setor XXXX, lalu sikat.<\/p>\n

Namun hati-hati! Jangan langsung mencap con men<\/em> ini penipu. Confidence game<\/em> juga kita lakukan di kehidupan sehari-hari. Iklan yang membuat kita pede habis untuk mengeluarkan jutaan rupiah untuk produk ber-merek.<\/p>\n

Bahkan kadang para motivator pun memainkan confidence game <\/em>untuk memotivasi audience<\/em>. “Kalian bisa jadi Bill Gates”, tanpa menyebutkan bahwa yang sesukses Bill Gates dkk hanya sekian persen dari populasi.<\/p>\n

Namun di sisi confidence game<\/em> utk mengeruk aspek finansial (baru kita sebut ini penipuan), ada satu fakta, yaitu : para con men<\/em> ini butuh greed<\/em>. Susah untuk mengiming-imingi korban keuntungan berlipat, kalau korban lempeng-lempeng aja.<\/p>\n

—-<\/p>\n

Again, saya tidak bermaksud menyimpulkan bahwa kasus ini adalah penipuan. Namun menurut saya telah terjadi ‘adanya <\/em>faktor greed<\/em> yang ketemu dengan offering fantastis<\/em> (apa pun motifnya) yang berujung pada terjadinya ‘confidence game’<\/em> dimana terjadi ke-pede-an berlebihan, untuk menghadapi suatu resiko tinggi, dan skenario dengan resiko buruk, kebetulan terjadi,<\/p>\n

Semoga jadi pelajaran utk semua ..<\/p>\n","protected":false},"excerpt":{"rendered":"

Sudah lama tidak menulis spt ini, dan ga berencana, namun akhirnya ga tahan saat baca banyak berita berseliweran soal selebriti kondang yang merasa terjebak financial planner yang juga kondang. Dua hal ‘ajaib’ dari kasus ini : 1. Apakah benar bahwa financial planner itu untuk melipatgandakan asset? Koq ke sana? Bukankah tujuan financial planner adalah manajemen read more »<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":3128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false},"categories":[7],"tags":[103],"yoast_head":"\n[life] Confidence Game (investasi via fin planner?)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/edunik.com\/home\/?p=5767\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[life] Confidence Game (investasi via fin planner?)\" \/>\n<meta property=\"og:description\" content=\"Sudah lama tidak menulis spt ini, dan ga berencana, namun akhirnya ga tahan saat baca banyak berita berseliweran soal selebriti kondang yang merasa terjebak financial planner yang juga kondang. 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