HARIANEXPRESS – Achieving long-term financial goals requires discipline and precise asset allocation rather than simply picking the right investment instruments. This key philosophy is highlighted by Tomi Taufan, the Director of PT Mirae Asset Sekuritas Indonesia, as he shares his personal journey and conservative wealth management strategy.
Tomi Taufan began his capital market journey back in 2012 by attending the Capital Market School. His very first stock purchase was Kalbe Farma, which successfully yielded a profit of about 20 percent.
He then experienced similar success with infrastructure stocks, often referred to as “karya” in the Indonesian market. However, these quick early gains became a psychological trap that led him to increase his exposure too aggressively.
After suffering significant losses from subsequent market corrections, he realized that managing emotions is the ultimate challenge in investing. He observed that stock markets move dynamically through thematic rotations across sectors like healthcare, energy, and mining.
This realization prompted him to abandon speculative trading. He then transitioned toward systematic diversification and gradual asset allocation.
Understanding Personal Profile and Property Shift
As his professional responsibilities grew, Tomi found that intensive stock monitoring no longer fit his busy schedule. He established a core principle that investors must deeply understand their own profiles before choosing any financial instrument.
During the pandemic about five years ago, he spotted a strategic opportunity in the sluggish real estate sector. He decided to shift his investment focus to residential properties and land in Bekasi.
He chose Bekasi because its valuations were far more rational compared to South Jakarta. This move successfully generated sustainable passive income and allowed his assets to grow optimally.
A Closer Look at the 70% Property Portfolio
Today, Tomi adopts a highly conservative investment structure to secure his wealth. His asset allocation is heavily weighted toward tangible and stable investments.
- 70% Property: Focused on residential homes and land to preserve long-term value and generate passive cash flow.
- 10% Gold: Managed disciplinedly through Dollar-Cost Averaging (DCA), with flexibility to increase up to 20% to capture market opportunities.
- Remaining Allocation (Mutual Funds): Dominated by fixed-income mutual funds based on SBN and money market funds to balance volatility.
Although his current portfolio is conservative, he does not rule out returning to the stock market in the future. He plans to allocate a small portion of around 5% to 10% to stocks while keeping mutual funds as a buffer.
No Single Best or “Terburuk” Instrument
For Tomi Taufan, there is no such thing as an investment instrument that is absolutely the best or “terburuk”. The effectiveness of any financial product depends entirely on how well it aligns with an individual’s risk profile and goals.
