Pelatihan Investasi Reksa Dana Bagi Generasi Z Komunitas CFC Semarang sebagai Solusi Ketahanan Finansial di Tengah Ketidakstabilan Ekonomi

Abstract

Global economic instability and high financial market fluctuations present significant challenges for novice investors, particularly Generation Z who are newly entering the investment world. The main problems encountered include limited knowledge of investment instruments, restricted initial capital, and vulnerability to losses due to stock price volatility. This community service activity aims to enhance financial literacy and mutual fund investment skills among members of the Cerdas Financial Community (CFC) Semarang, which represents Generation Z in Semarang City. The training was conducted at the Sinarmas Sekuritas Branch Building in Semarang, employing a methodology that combined theoretical introduction to mutual fund instruments with practical purchase simulations and direct asset monitoring. Results indicate a significant improvement in participants' understanding of mutual fund types, purchasing mechanisms, risk management, and defensive investment strategies amid uncertain economic conditions. Mutual funds are proven to be suitable instruments for Generation Z novice investors as they offer automatic diversification, are managed by professional investment managers, and can be initiated with affordable minimum capital. This activity is expected to foster the growth of smart and sustainable investment culture among Generation Z in Semarang.