{"id":1725,"date":"2012-09-23T20:51:59","date_gmt":"2012-09-23T12:51:59","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1725"},"modified":"2018-01-12T10:03:57","modified_gmt":"2018-01-12T02:03:57","slug":"psikologi-pelaburan-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/psikologi-pelaburan-bm","title":{"rendered":"Apakah Peranan Psikologi dalam Pelaburan?"},"content":{"rendered":"

Psikologi memainkan peranan yang penting dalam pelaburan. Ramai orang (termasuk pelabur berpengalaman) tak menyedari pengaruh psikologi di atas keputusan pelabur.<\/p>\n

Di bawah ini, kami perkenalkan dua konsep yang bukan sahaja menarik, tapi juga berguna dalam membantu anda mengelak dari membuat keputusan pelaburan yang buruk:<\/p>\n

<\/span>Benci kerugian<\/span><\/h2>\n

Berikut adalah satu eksperimen yang menarik: Diberi pilihan antara<\/p>\n

A) kerugian kecil, dan
\nB) peluang 50-50 sama ada kerugian besar atau balik modal<\/p>\n

Yang mana anda pilih?<\/p>\n

Berikut adalah soalan lain: Andaikan bukannya kerugian, ia adalah antara<\/p>\n

A) keuntungan kecil, dan
\nb) peluang 50-50 sama ada keuntungan besar atau balik modal<\/p>\n

Sekarang ini, yang mana anda lebih suka?<\/p>\n

Jika anda seperti kebanyakan orang, anda akan pilih pilihan kedua (iaitu pilihan B) dalam soalan yang pertama, dan pilihan pertama (iaitu pilihan A) pada yang kedua.<\/p>\n

Pemilihan “keuntungan pasti” dan “kerugian tak pasti” adalah perkara biasa di kalangan pelabur, dan menjelaskan mengapa sesetengah pelabur “menggandakan” pelaburan yang mana mereka telah mengalami kerugian, dan cepat untuk “keluar” dari pelaburan yang mereka telah untung.<\/p>\n

<\/span>Perakaunan mental<\/span><\/h2>\n

Perakaunan mental merujuk kepada kecenderungan mental pelabur untuk meletak matlamat dalam “kategori” yang berbeza. Mereka kemudian menetapkan bahagian-bahagian yang berbeza dari kekayaan mereka untuk memenuhi matlamat yang berbeza.<\/p>\n

Contohnya, andaikan anda berniat nak buat dua pembelian yang besar – komputer dan TV. Tanpa menilai jumlah kekayaan dan memutuskan sama ada masuk akal nak buat pembelian ini, mereka dengan perakaunan mental akan congak kekayaan mereka dan peruntukkan wang bagi setiap \u201cmatlamat\u201d. Ia seperti mempunyai dua balang simpanan berasingan dilabel “Komputer” dan “TV” setiap satu, dan hanya buat pembelian apabila salah satu balang telah cukup kumpul wang bagi setiap item.<\/p>\n

Perakaunan mental secara amnya membawa kepada pengagihan dana pelaburan yang tak berapa baik. Namun, ia adalah cara yang baik untuk memupuk kawalan diri dan disiplin. Sebagai contoh, dengan “meyakinkan” diri untuk mengasingkan sejumlah simpanan bagi mencapai matlamat tertentu (contohnya membayar hutang kad kredit anda \/ gadai janji, menabung untuk pendidikan anak-anak), anda akan kurang membelanja wang dan lebih cenderung mencapai matlamat tersebut.<\/p>\n

Suka artikel ini? Bacalah lebih banyak artikel perlaburan yang menarik di sini<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Psikologi memainkan peranan yang penting dalam pelaburan. Ramai orang (termasuk pelabur berpengalaman) tak menyedari pengaruh psikologi di atas keputusan pelabur. Di bawah ini, kami perkenalkan dua konsep yang bukan sahaja menarik, tapi juga berguna dalam membantu anda mengelak dari membuat keputusan pelaburan yang buruk: Benci kerugian Berikut adalah satu eksperimen yang menarik: Diberi pilihan antara… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":2704,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,107],"tags":[279],"class_list":["post-1725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pelaburan","tag-bm"],"acf":[],"yoast_head":"\nApakah Peranan Psikologi dalam Pelaburan?<\/title>\n<meta name=\"description\" content=\"Di bawah ini, kami perkenalkan dua konsep yang bukan sahaja menarik, tapi juga berguna dalam membantu anda daripada membuat keputusan pelaburan yang buruk\" \/>\n<meta name=\"robots\" content=\"index, follow, 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