Saturday, February 22, 2025 - "Don't put all your eggs in one basket." This proverb serves as one of the best principles for explaining the world of stocks and investments. Recognizing the importance of investment as an initial step in managing financial patterns and securing the future, the Library Bureau of Universitas Dian Nusantara (UNDIRA) invites students to learn and understand the significance of early investments through its seminar titled "Financial Literacy in the Digital Era: Investment Opportunities for Students."

The seminar, conducted both online and offline, invited two speakers who are also experienced traders in the investment field: Mr. Jonnathan Jordian, an Investment Gallery and Education Specialist at KB Valbury Sekuritas, which collaborates with UNDIRA Investment Gallery, and Mr. Muhammad Choirul Insan, an Application Engineer at BSA Community.

The event was warmly welcomed by UNDIRA students, whether they had prior experience in the world of investment or not. Vice Rector I, Mr. Ir. Margono Sugeng M.Sc., whom attended via online meeting, also appreciated the Library Bureau’s effort in organizing the seminar and emphasized that financial literacy trains young generations to prioritize their financial planning.

He further elaborated that the future-oriented mindset within the investment spirit aligns with UNDIRA's three pillars: Visionary, where students are trained to identify future potentials through structured financial planning; Integrity, where financial literacy highlights the importance of transparency and ethics in financial management; and Professionalism, where financial literacy equips students with relevant financial management skills for personal benefit.

Following Mr. Margono Sugeng’s remarks, Mr. Jonnathan Jordian also agreed on the importance of investment for the younger generation, especially given the minimal knowledge and awareness of future-oriented financial literacy in Indonesia. As a nation with a highly consumer-oriented society, Indonesians, particularly the youth, must plan their future properly.

Mr. Jonnathan Jordian explained that the majority of Indonesians remain skeptical of investment opportunities. He further stated that most teenagers tend to underestimate economic conditions and choose to spend time working hard to earn an income. Additionally, distractions such as the "healing" culture, compulsive spending or overspending, and a lack of wisdom in budgeting during social activities contribute to slowing individual economic growth.

The inflation caused by the global economic war will underscore the urgency of prioritizing financial planning. Therefore, a proper understanding of financial management will offer long-term benefits and increase awareness of global economic conditions.

Continuing from Mr. Jonnathan Jordian’s insights, BSA Community representative Mr. Muhammad Choirul Insan addressed the misconception that stocks are exclusively for the elite. He clarified that anyone can engage in stocks and provided some technical details on strategies for selecting and managing stock investments.

According to him, unlike saving money in a piggy bank or gaining returns from deposit interest, investment can be likened to purchasing an asset that grows over time.

Although saving is a common way for most people to "build wealth," in the long run, savings cannot keep up with the acceleration of inflation trends. Similarly, while deposits seem like a safe option, they face the same issue in that the interest gained cannot support the rapid pace of economic changes.

Investments in property, stocks, gold, and cryptocurrencies offer significantly higher capital gains. However, when investing, individuals must carefully seek information from various perspectives as part of risk management to prepare for unexpected risks.

Mr. Muhammad Choirul Insan concluded his session with motivational words: "Life is not just about surviving in your current job. Financial freedom should indeed be everyone's goal, and investing—whether in skills or assets—will be your future savior. Make your money work for you, instead of you working for money," he stated.