With economic growth and increasing awareness of the importance of financial planning, investing early has become a crucial step in cultivating a better future. Generation Z is increasingly aware of the importance of generating profit, especially amidst rising living costs. Therefore, many of them are turning to investments or trading as a source of additional passive income.

Financial knowledge is now accessible to everyone. Financial literacy, including investments, is not just about increasing wealth, but also a strategy to achieve financial freedom in the future. Investing involves the buying and selling of financial assets with the aim of earning a profit, through a good understanding of the market and careful analysis.

Students have the opportunity to start their financial planning early. By reducing impulsive spending habits and using the 40/30/20/10 method to optimize expenses, they can begin to take steps towards making stabilizing their future livelihoods.

For students preparing for the future, it is essential to plan their finances through financial planning. Investments can be found in various forms and levels of risk, some of which include:

• Gold: A physical investment instrument that tends to have low risk with high return potential, especially for the long term.

• Stocks: Stocks are volatile and influenced by global and local geopolitical changes. They can provide a Return on Investment (ROI) in a relatively short period, but the stability level varies depending on the type of stock purchased.

• Property: As a fixed asset that continuously increases in value, property has advantages over electronic goods and vehicles. Besides functioning as a residence, property can also be a source of additional income with good management.

When engaging in investments, both physical and non-physical, there are several things to consider:

• Avoid FOMO: Fear of Missing Out (FOMO) can influence investment decisions. Avoid panic buying or selling, consumerism trends, and personal ego pressures to follow others that can make investments unstable and potentially harmful.

• Avoid borrowing to invest: Investing with borrowed money reduces profit because the profit earned will be allocated to repay the debt, thus minimizing the Return on Investment (ROI).

• Seek information: Investments are influenced by market changes and company or country decisions. Keeping up with geopolitical information can help investors know the right steps to take.

As a university committed to preparing students for a competitive future, Universitas Dian Nusantara routinely holds Webinars, Talk Shows, and General Lectures that are beneficial for the students' future.