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Johny Gunawan Offers The Top Financial Tips To Generate Success In The New Year

In the chaotic economical situation we find ourselves in, it can be challenging to invest into the future when the present needs require so much of our attention. Johny Gunawan of the Hartanah Group; one of Asia Pacific’s top Wealth Coaches has worked hard to see growth and success during these wild times, and offers some sound advice that has served him well. Johny understands how tough it is to analyze the financial market, but notes some ways in which he personally uses to generate wealth and sustain his family’s lifestyle.

1: Build up your security fund

Work on developing an account containing 6-9 months of your expenses to work as a buffer to any changing economic circumstances. This security fund will protect you should your financial situation change, allow you to weather any unexpected fees or payments that might pop up over time, and allow you more time to adapt to new circumstances. This tip is all about being building a safety net and protecting yourself, because it’s hard to move forward if you’re always looking backwards to see if you’re covered.

On the more proactive side of the coin, sometimes the stock market can nose dive and you can secure great bargains. Or maybe property prices will dip as property owners can’t keep up with mortgage payment and will lose the property to the bank, who are willing to sell at low price to at least recover something.

These sorts of opportunities are ones you may be less fearful of investing in if you know that you have that healthy security fund to fall back on.

2: Adjust your cash flow to your lifestyle

If we observe the simple equation of “Cash Flow = Income – Expenses“, it can be easily assumed that to have good cash flow you want more income, and that would not be an incorrect assumption, however you can also balance the equation from the expenses side of things too.

Assess your income and your expenses and make sure you are constantly adjusting accordingly. If you find that you may be having lower than expected income, look to make some cutbacks in your expenses to maintain that healthy level of cash flow (gym membership, subscription services, social gatherings and fine dining, etc). That flexibility and adaptability will ensure you keep your cash flowing and growing your wealth.

Building off the last tip; when you have a strong reserve and a healthy flow of cash, you are more readily available to capture opportunities that present themselves to you. During a crisis, money does not disappear, it only changes hands to someone else. Look for the opportunities that put you on the receiving end of a transaction with cash flowing to you.

3: Diversify your income streams

The global pandemic has severely impacted several industries, shutting some down completely. This is a perfect example of the need to have as many different streams of income as possible. The more diverse you are in your avenues for earning money, the more resilient you are being negatively affected by changing financial situations.

Find a side hustle, and/or look to diversify your portfolio and invest in different avenues. Many people are making the switch to developing digital businesses, or find themselves pushing to launch their passion or craft into something that generates them profit. There are endless ways people can turn their ideas, knowledge and experiences into a viable stream of income.

Diversity is the key to risk management. Diverse investments in stocks, forex, gold and others ensures that you have ample opportunities to generate wealth that aren’t reliant on one factor, keeping you financially flexible and adaptable.

For example; I use Forex because I can make money regardless if it’s going up or down. Then to protect my capital I use a hedging strategy so if analysis goes wrong my capital is protected, resulting in no or low capital loss. To free up my time I engage a proprietary trading company to trade on my behalf with a hedging strategy, then I diversify further by engaging multiple proprietary trading companies all over the world, leveraging the different perspectives and positions of many unique traders. All of these tactics combined ensures that I see consistent returns and a healthy cash flow monthly.

Johny’s capital is protected and liquid, enabling me to be ready to capture any new opportunities that present themselves.


Johny Gunawan is an established entrepreneur and Wealth Management Coach from the Hartanah Group. His insights and education has helped hundreds of budding entrepreneurs and small business owners to take control over their financial situation and gain the flexibility and freedom they’ve been seeking.

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