@widya_wd17: Salah ga si bikin orang salah sangka terus kyk gini?

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Monday 07 September 2026 11:00:00 GMT

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Having an account is not the same as being invested ❌ This is the No. 1 mistake I see women making when they ask me for investing advice. They see their account growing, but it’s SUPER slow! You open a 401k or a brokerage account, money goes in every paycheck, and you assume it’s invested. Growing. Working for you. Here’s the trap most people fall into: Your money lands in something called a money market or cash sweep account. It’s basically a glorified savings account. Your balance still goes up because you’re putting money in every paycheck. But that’s not growth, that’s just deposits. The number that tells the truth is not your balance, it’s your rate of return. Historically, cash sitting in a money market (or worse, a cash checking account) earns somewhere around 0 to 4%. Money actually invested, even in a basic target date fund, has historically lands closer to 7 to 10%. Same account. Same effort to set up. Completely different result. So do yourself a favor and go check your rate of return today. Your future self will thank you! #investingforbeginners #financialliteracy #rothira #401k #personalfinanceforwomen

Having an account is not the same as being invested ❌ This is the No. 1 mistake I see women making when they ask me for investing advice. They see their account growing, but it’s SUPER slow! You open a 401k or a brokerage account, money goes in every paycheck, and you assume it’s invested. Growing. Working for you. Here’s the trap most people fall into: Your money lands in something called a money market or cash sweep account. It’s basically a glorified savings account. Your balance still goes up because you’re putting money in every paycheck. But that’s not growth, that’s just deposits. The number that tells the truth is not your balance, it’s your rate of return. Historically, cash sitting in a money market (or worse, a cash checking account) earns somewhere around 0 to 4%. Money actually invested, even in a basic target date fund, has historically lands closer to 7 to 10%. Same account. Same effort to set up. Completely different result. So do yourself a favor and go check your rate of return today. Your future self will thank you! #investingforbeginners #financialliteracy #rothira #401k #personalfinanceforwomen

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