B maikel sajangbati presentation

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How To Protect Your Wealth (Assets)

Presented byMaikel Sajangbati, CWMCEO & Founder MCI

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AGENDA

INDONESIA MARKET OUTLOOK 2012

HIGHLIGHT of INDONESIA HNWI

HOW TO PROTECT YOUR WEALTH (Assets)?

A Private Wealth Management Perspective

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OVERVIEW OF INDONESIA

Source: Bank Indonesia (2012); BPS (2011)

ASEAN MAP

(Association of South East Asian Nations)


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Indonesia Map

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Population– 240 million

Currency : IDR (Rupiah)

The Best Three in Asia Pacific (China, India, Indonesia)

Exchange Rate : ~ IDR 9.500,-

GDP ~ $ 800 Billion

GDP growth 6.4%

GDP / Capita > US$ 3,800,-


Economic Indicators

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Inflation (YOY) 4.58%

JCI > 4,000

Goverment Budget - 2.23%

Reserves ~ $ 108.9 Billion

Public Debt / GDP : 25%

Member of G-20

Credit Rating : Baa3 (Investment Grade)*yoy July 2012

Economic Indicators

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G20 COUNTRIES GDP GROWTH 2011 Q4 (in USD trilion)1 United States 15.09 11 India 1.68

2 China 7.30 12 Spain 1.49

3 Japan 5.87 13 Australia 1.49

4 Germany 3.58 14 Mexico 1.15

5 France 2.78 15 South Korea 1.12

6 Brazil 2.49 16 Indonesia 0.857 England 2.42 17 Dutch 0.84

8 Italy 2.30 18 Turkey 0.78

9 Russia 1.85 19 Switzerland 0.64

10 Canada 1.74 20 Saudi Arabia 0.58

Economic Indicators

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AGENDA

Population 2007-2010 ?

Source : Asia Pacific Wealth Report 2011, by Capgemini & Merrill Lynch

Note 2011 : India -18% (dropout Top 12) VS South Korea

Hongkong -16.7%

Singapore -7.8%

Asia Pacific HNWI Population + 1.6%


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Wealth Distribution 2010 ?

Source : Asia Pacific Wealth Report 2011, by Capgemini & Merrill Lynch; Economist Intelligence Unit, 2011Note 2011 :

Asia Pacific HNWI Wealth -1.1%

India - 33.4%

Hong Kong - 16.7%


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20

40

60

80

100

120

Phillipines 1 %Malaysia 2%Indonesia 3%Thailand 4%Singapore 5%Taiwan 5%Hong Kong 5%South Korea 11 %India 14%China 49%

Composition HNWI in Asia Pacific 2015 F

Source : Wealth Report Asia 2011, by Julius Baer & CLSA Asia Pacific Market


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Indonesia HNWI Diversification by Asset Class

Source : Asia Pacific Wealth Report 2011 by Capgemini; Merrill Lynch Global Wealth Management Financial Advisor Survey, 2011


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Indonesia HNWI Diversification by Geographic

Source : Asia Pacific Wealth Report 2011, by Capgemini; Merrill Lynch Global Wealth Management Financial Advisor Survey, 2011


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Source : Asia Pacific Wealth Report 2011, by Capgemini & Merrill Lynch Global Wealth Management Financial Advisor Survey, 2011

Indonesia HNWI Passion Investments


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Source : Kemenkeu, IMF, Bank Dunia, Bloomberg

Performance of Stock Market Indices (August, 31 2012)

Change in Equity ?HIGHLIGHT of INDONESIA HNWI

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Source : Asia Pacific Wealth Report , by Capgemini & Merrill Lynch

Product Maturity ?


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Source : Asia Pacific Wealth Report 2011, by Capgemini; Merrill Lynch Global Wealth Management Financial Advisor Survey, 2011

Indonesia HNWI Wealth Source ?


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Adult Population (m) No of HNWI (1.000)Wealth of HNWI

(USD bn)

China 1.024,7 1.378 8.764India 805,6 403 2.465Indonesia 161,0 99 487Philippines 56,9 38 164Thailand 52,2 128 609South Korea 38,5 310 1074Taiwan 19,2 68 329Malaysia 18,7 136 593Hong Kong 6,2 131 711Singapore 4,1 129 616Total 2.187,1 2.821 15.812

Wealth Explosion in Asia:Estimates of Wealth & HNWI: 2015 F


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Key Wealth Estimates 2010-2015: Indonesia


2010 20155 year Cagr

%Adult Population (m) 153 161 1Number of HNWI (,000) 33 99 24,7Wealth of HNWI (USD bn) 129 487 30,4Nominal GDP (IDR tn) 6.423 13.805 16,5USD/IDR 9.009 6.750 5,9Nominal GDP (USD bn) 708 2.029 23,5Property market returns 11Stock market returns 14,9


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Lifestyle Index ?


Average price across countriesAvg. Inflation

(%)Item Specification Curr. Price, USD 1 year ago, USDWine Lafite Rothschild 2000 3.336 2.807 21,9Wedding banquet 500 persons at top hotel 92.146 78.783 18,8Ladies handbag Chanel quilted bag 4.185 3.509 17,5Business-class flight Avg. return to Ldn/NY 6.121 5.329 16,9Piano Steinway Grand 201.021 171.816 16,7Hotel Suites Four Season 6 Star 652 568 15,1Residential property 4000 sq ft high-end 16.847.143 14.394.514 14,4Ladies shoes Classic Louboutin pumps 1.868 1.668 10,8Hospital 1 day top-end hospital 443 400 10,8Jewellry Tiffany 2 ct diamond ring 96.479 85.140 10,3Car Mercedes S500 321.522 292.459 10,2Lawyer 1 hour fee with partner 519 472 9,7Watch Oyster Rolex 32.102 29.515 9,1Golfclub membership Top local golf club 304.818 287.306 7,6Cigar Cohiba siglo VI 760 711 5Boarding School Average Eton/Deerfield 51.499 49.364 4,6Men's suit Giorgio Armani 5.532 5.342 4,3Rootcanal Top local dentist 1.510 1.455 4,3Facial aesthetic procedure Sculptura liquid face lift 6.578 6.306 4,3University fees Average Oxford/Harvard 51.016 49.677 2,8 Lifestyle Index Inflation 11,7


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AGENDA





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“A holistic approach that seeks to coordinate High Netwoth Investors’ needs over their life times with the needs of their families”

HOW TO PROTECT YOUR WEALTH (Assets)? A Private Wealth Management Perspective

“ A Comprehensive and Cohesive system aimed at accumulating and growing assets,

preserving and protecting Assets and transitioning assets“

3 PILLARS OFWEALTH MANAGEMENT

Pillar 1

WEALTH PROTECTION & PRESERVATION

Insurance- Life Insurance : Buy & Sell Agreement- General Insurance : Liability Insurance

Trust- Family Living Trust

Hedging

Diversification- Asset Class- Geographic

Pillar 2

WEALTH GROWTH &

ACCUMULATION

Tax Management

Investment Management

Bussiness Venture

Money Management

Pillar 3

WEALTH DISTRIBUTION &

TRANSITION

Retirement

Estate


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1• OBJECTIVES

2• RISK & RETURN

3• TIME HORIZON

4• RISK PROFILE

5• DIVERSIFICATION


5 Ways to Protect Your Wealth

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1. Set Up Your Objective

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• Working Capital• Retirement Fund• Education• Dream House• Pilgrimage • Philanthropy • Charity • Set up Business Venture

PRIORITY

Set Up Your Objective


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High Risk = High Return

Low Risk = Low Return

No Risk Free Instruments

Market Risk

Specific Risk

Defaultt Risk

Interest Rate Risk


2. Recognising & Managing Potential Risk & Expected Return

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Currency Risk

Inflation Risk

Legal Risk

Credit Risk

Operational Risk

Reputational Risk

Country Risk

HOW TO PROTECT YOUR WEALTH (Assets)?A Private Wealth Management Perspective

Recognising & Managing Potential Risk & Expected Return Contd

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Deposit

Obligasi

Stock

Derivative

Art & Antiques

Potential Risk

GAMBLING

TBill

%Potential Return

Business Venture

SD

RISK & RETURN


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How to Attract Global Investors ?

• Political Stability

• Currency Stability

• Market Segment

• Economic Growth


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How Can You Protect Your Assets When Starting a Business ?

• A Corporation

• Limited Partnership

• Limited Liability Company

• Limited Liability Partnership

• Trust

• Liability Insurance


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1 – 2 Years

Short Term

3 – 5 Years

Medium Term

5 ++ YearsLong Term


3. Set Up Your Desired Time Horizon

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SCALE

0 5 10

CONSERVATIVE MODERATE AGGRESIVE VERY AGGRESIVE

VERY CONSERVATIVE

4. Identify Your Personal Risk Profile


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RISK MINIMIZATION

BETTER RETURN

STRATEGIC & GLOBAL ASSET ALLOCATION

DON’T PUT ALL OF OUR EGGS IN ONE BASKET


5. Implement the Diversification

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SUMMARY





AGENDA

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For More Info, Please contact us :

PT MaeSa Consulting IndonesiaContact : Maikel Sajangbati, CWMPhone : +62 21 7333115 Email : [email protected] Website : www.maesaconsulting.co.id