Yahhh if your hobby with investment this time I will discuss Investment Fund. Mutual Fund is to raise public funds ( investors ) are managed by the legal entity named investment manager ( MI ) to then be invested into other financial assets such as stocks , bonds and other money market instruments. Mutual funds are an investment alternative for investors, particularly small investors and investors who do not have a lot of time and expertise to calculate the risks of their investments. Mutual Fund is designed as a means to raise funds from the public who have capital and a desire to invest, but only have limited time and knowledge. Moreover Mutual Fund is also expected to increase the role of local investors to invest in Indonesia's capital market .
Here are the advantages and Risk Investing in Mutual Funds you need to know
Advantages:
- For investors who do not have substantial funds can still diversify or invest in a variety of effects, so as to minimize the risk . For example, an investor with limited funds can have a bond portfolio, this may not be done if it does not have a big budget. With Mutual Funds, the funds will be collected in large numbers so that it will facilitate the diversification of both instruments in the capital market and money market , meaning that investments made in various types of instruments such as deposits, stocks, or bonds .
- Mutual Funds facilitate investors to invest in the stock market. Determining good stocks to buy is not an easy job, but requires knowledge and expertise, which not all investors have the knowledge .
- Efficiency of time. By investing in Mutual Funds in which the fund is managed by a professional investment manager, the investor need not bother to monitor the performance of its investment because it has been transferred to the investment manager.
- Liquidity risk
This risk concerns the difficulties faced by the Investment Manager if the majority of the unit holders to resell ( redemption) of units held. Investment Manager difficulties in providing cash for the redemption
- Reduced Risk Value Units.
This risk is affected by the decline in the price of the Securities ( stocks, bonds, and other securities ) are included in the Fund 's portfolio. - risk of Default
The worst risk is the risk, where risk can arise when the insurance company that insured the Fund's assets are not immediately pay compensation or to pay less than the sum insured when things happen that are not desirable, such as the default of the parties associated with the Mutual funds, broker, custodian bank, paying agent, or natural disasters, which may cause a decline in NAV ( Net Asset Value ) Mutual funds.
In general , Mutual Funds Divided 3 , namely- Mutual Funds Open
- Index Fund
- Protected Fund .
Is a mutual fund that can be bought and sold at any time every day exchanges . Mutual Funds Open divided into several types depending on the contents of the portfolio, namely :
Money Market Mutual Funds ( RDPU )
Is a mutual fund that is a minimum of 80 % of its assets must be invested in money market instruments. The yield and low risk on the public hearing than other mutual funds. RDPU intended for those who are very conservative, ie you who want a regular income with a low level of risk of loss, and has an investment period of less than 1 year. Unlike other mutual funds, NAV per unit of the public hearing is always at the price of Rp. 1000, while investment units you will continue to change every day .
Bond Mutual Funds ( RDO )
Is a mutual fund that is a minimum of 80 % of its assets must be invested in corporate and government bonds. The yield and the risk is relatively higher than the RDO public hearing . RDO is intended for those who are conservative , ie you who want a little bit of investment and growth in the principal amount has been able to accept a momentary decrease in the value of investments , and has an investment period of between 1 to 3 years .
Balanced Fund ( RDC )
Is a mutual fund that has the freedom to adjust the composition of its assets , whether stocks , bonds , and money market instruments . Returns and risks on the RDC is relatively higher than the RDO . RDC is intended for those who are moderate , ie you who want a fairly high investment growth and able to tolerate fluctuations on the value of the investment , and has an investment period of between 3 to 5 years .
Equity Fund ( RDS )
Is a mutual fund that is a minimum of 80 % of its assets must be invested in stocks . Investing in the RDS is the most risky investments , but have the potential investment growth relative high compared to most all types of mutual funds . RDS is intended for those who are aggressive , that you who want a high investment growth over the long term and able to tolerate fluctuations in the value of investment is quite sharp , and has an investment period of more than 5 years .
Index Fund
Is a mutual fund managed to get a return on investment that is similar to an index that is used as a reference , both bond and stock index index . RDI much like Mutual Funds Open , which can be bought and sold at any time every day exchanges . In the Index Fund , a minimum of 80 % of its assets must be invested in accordance with the assets in the benchmark index , which is called passive management . Index Fund is intended for those who want transparency on its investment and believe that passive management will provide maximum return on investment .
Protected Fund
Is a mutual fund that will protect 100 % customer investment principal at maturity . This mutual fund has an investment period predetermined by the investment manager , however, can be liquidated prior to maturity without any guarantee of protection will be principal. Unlike the Open Mutual Funds and Index Fund , Protected Fund has the offer period so that you can only buy the Mutual Fund at certain times only . Reeksa Protected Fund is intended for those who are conservatives who want a more measured returns within a particular investment .
The following tips if you choose mutual funds:
Choose mutual funds according to the risk you can take. If you want a great risk and great returns can choose a mix of mutual funds or stocks . If you want to choose safer fixed income funds . Rutinlah buy mutual funds by setting aside at least 10 % of the income . Choose a mutual fund that can provide consistent results for a long period of time . For example, mutual funds A 40 % return this year , a 10% return last year. While the B return mutual funds this year 27 % and 23 % return last year . Better to choose a mutual fund returnnya B because it is more consistent . There should compare the return last 3 to 5 years . To start investing and learn more about the Mutual Fund please visit REKSA DANA ONLINE
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