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For millennial workers intending to enter the world of property investment, whether in the form of land or houses, a well-thought-out strategy is needed to achieve profits. Financial Planner PINA Rista Zwestika reminds that property investment is a serious step that requires special attention to at least 13 initial points before starting.


First and foremost, it is important to have clear investment goals. Rista emphasizes that prospective investors should have a good understanding of their goals in property investment, whether it is for personal residence, earning passive income from rent, or as a long-term investment.


Once investment goals are established, the next step is to determine the property location. According to Rista, location selection is key to success in property investment. A location with good growth prospects, easy accessibility, and availability of public facilities such as schools, shopping centers, and public transportation are factors to consider.


Talking about budget is the third step. The amount of money to be allocated by millennials depends on property prices, maintenance and upkeep costs, as well as other expenses such as taxes and insurance.


Fourthly, Rista emphasizes the importance of assessing risks and profit opportunities. Millennial investors are advised to continuously evaluate potential risks, including fluctuations in property prices and associated costs such as maintenance and taxes, as well as potential income from rent or property value appreciation.


The fifth step is financing, where investors should consider various financing options such as housing loans or property loans while understanding the long-term financial implications of each choice.


Furthermore, it is important to pay attention to current property market conditions and conduct thorough research on the desired properties.


Rista also emphasizes the importance of understanding tax regulations and other regulations in the desired property area, as well as the importance of property insurance to protect investments from risks of damage or natural disasters.


Long-term planning, personal financial management, consultation with experts, and emotional readiness to face challenges in the property sector are also factors to consider by millennials before starting property investment.


Capital Needed for Property Investment

According to Shierly, Head of Advisory & Financial Planner at Finansialku, millennials need to have an initial capital of around 10 percent to 20 percent of the desired property value, with an additional extra fund of about 15 percent to 25 percent of the property value for administrative costs, renovations or repairs, and other acquisition-related expenses.


To calculate the net profit of property investment, Shierly uses the formula of gross income minus operational costs, depreciation costs, and interest costs.


Time to Profit from Property Investment

According to Shierly, the property sector is starting to recover, with rental prices beginning to rise. For rented property investments, the return on investment (ROI) expectation is usually long-term, above 7 years.


To calculate property ROI, Shierly uses the formula of net profit divided by total initial investment, bearing in mind that investment returns can vary depending on income, costs, and total investment factors.


In conclusion, property investment can be a strategy for earning passive income, but due to liquidity risks, it is important to consider overall asset allocation and capital strength in the initial investment.

Property Investment, Investment Guide, Millennial Property

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