Most novice investors are still fairly somewhat afraid of taking risks. It was seen from its risk profile. Average beginners prefer a small risk even with a small profit too. There is rarely, if viewed from the novice investor risk profiles showed they dare to invest in mutual fund shares.
Although they also know that the benefits achieved will be greater. This is understandable because if someone is not familiar with mutual funds or stocks, and get used to the new deposit, of course, very conventional deposit characteristics are so attached to them.
In their opinion, by just putting some money every month then get results that benefit automatically goes into a savings account, it is already comfortable. When in fact the principal amount of their savings in deposits that continue to erode inflation unnoticed.
Well, so let's get to know a variety of mutual funds which are compatible with our financial goals.
Mutual Funds MONEY MARKET
For beginners who are used to invest in deposits is good to try to begin to invest in money market mutual funds. Compared with other mutual funds, the risk to the smallest money market mutual funds. The upside is a little nicer than deposits with the flexibility of withdrawing funds at any time without having to wait for the time to maturity - in contrast with deposits.
Return money market mutual fund is about 0.5% per month, almost similar to deposits yes ... And on money market mutual funds there is no fee to enter and exit. Note for those who want to redeem or withdraw some funds from money market mutual funds, you should do 3-4 business days before the funds are needed, because the average disbursement T3 units in mutual funds is to get to the investor's account.
For the investment period of less than one year, money market mutual funds are investment instruments that can be selected. For example, we know that the next 6 months there is a need to pay the entrance fees amounting to Rp 10 million children. Ideally, it is these funds had already been prepared for a long time, but because we just know it ... yes please, began his investment from now only. Now, with the short term this should be the investment in money market mutual funds, for example, Rp 2 million per month.
Examples of other cases is that if a person has a large amount of funds but the funds would be used only 3 weeks ahead, it could have saved the funds are used in money market mutual funds for a period of 2 weeks. Suppose there is a total of Rp 125 million, if kept in money market mutual funds assuming a return of 0.38% per month, so if deposited for 2 weeks in money market mutual funds will make a profit of about USD 237 500. Quite right ... because to be deposited within a period of less than one month can not.
Mutual Funds FIXED INCOME
Mutual funds are subsequently fixed income funds, slightly higher yield. Suitable for the investment period is between 1-3 years. Beginners usually choose mutual funds for the introduction to mutual funds. The advantage gained between 7% - 12% per year. But there is also a performance can give a return to above 20% per year.
If in the money market mutual fund no provisions purchase costs (top up) and selling expenses back (redemption), then in mutual funds in this type there are imposing these costs. Usually the fee charged approximately 0.5% - 3% of the nominal amount invested for each transaction.
Given these costs, of course, we also have to be counting to determine when to withdraw the funds invested. At least not if the funds will be withdrawn, then at least to be seen whether the investment has been developed so that the funds despite having cut costs but still be able to benefit.
Eg investment of USD 1,000,000 in fixed income funds at a cost of purchase is 1%, then the funds invested is Rp 990,000. With NAV / unit at that time will be gained 972.28 USD 1018.22 units. In the following year the NAV / unit to Rp 1191.32 or value of the investment to Rp 1,158,294. There was clear return on investment of Rp 158 294 (± 15.8%). Just keep in mind, that the value of NAV / unit - or trivial price - of the fund can fluctuate daily. When going up, then the benefits will be seen again, but when NAB down, it seemed no profit or even a loss. Even so no need to fear ... fluctuations in fixed income funds is not too large.
MIXED Mutual Funds
Well .. These funds are higher risk than money market funds and fixed income funds, which would also give higher yields than the mutual fund. How does the range of returns from mixed funds? I prefer assuming 9% - 18% to the average return per year for mixed funds, although did not rule can be larger than that.
Investment in mixed funds looking for investments with a medium to long term, ie over 3 years. For example, for setting up the Education Fund, ie if planned the next 5 years later the funds required to enter Universities amount of Rp100 million, then we should invest from now on. With an estimated yield is 17% per year, the investment made to achieve the planned Education Fund amounted to Rp 1.07 million per month for 5 years.
Why such a period of time to invest in mutual funds advised over 3 years? The answer is that tend to be larger fluctuations than fixed income funds. May be illustrated here:
Mixed funds - Integrated Schroder Fund II has a return of 8.64% growth for the first year and 80.53% for 3 years (Infovesta, 30 April 2012)
If divided equally minded, of course, to return 3 years = 80.53%, then return for 1 year = 26.84% .... But the fact is not the case. This could happen because of the rise and fall of the return of the fund.
In the mixed funds there are some which require the purchase cost and the cost of sales back on the unit, as was applicable in fixed income funds. But some are not cut out for the cost of purchase or resale.
SHARE Mutual Funds
Fluctuations in mutual funds this one big enough. Can provide a great return, but could also fall more steeply than other mutual funds. This is because most of it is stock, which indeed are highly fluctuating. Equity funds looking for long-term investments with a time period over 5 years. Although fluctuating, but the trend will continue to rise.
Nothing in these mutual funds impose fees or costs of purchase and at the time of resale.
It was some kind of mutual funds. To find out the names of the Mutual Fund according to its type, can be seen in www.kontan.co.id or www.infovesta.com. Of those links can be obtained information about a wide range of mutual funds and update the NAV (Net Asset Value)
To know how to purchase, can be directly to the relevant investment manager or it could be to a bank that can provide services to buy mutual funds. Example: Commonwealth Bank, Bank Mandiri (only certain Branch Office), Bank Syariah Mandiri and others. Just ask to the Customer Service of the Investment Manager or the Bank.
Of the two options to purchase mutual funds, of course each has pluses and minuses. Stay adjusted which is convenient for us.
http://www.bengkulu-insurance.ga/2016/02/choosing-appropriate-mutual-financial.html
Although they also know that the benefits achieved will be greater. This is understandable because if someone is not familiar with mutual funds or stocks, and get used to the new deposit, of course, very conventional deposit characteristics are so attached to them.
In their opinion, by just putting some money every month then get results that benefit automatically goes into a savings account, it is already comfortable. When in fact the principal amount of their savings in deposits that continue to erode inflation unnoticed.
Well, so let's get to know a variety of mutual funds which are compatible with our financial goals.
Mutual Funds MONEY MARKET
For beginners who are used to invest in deposits is good to try to begin to invest in money market mutual funds. Compared with other mutual funds, the risk to the smallest money market mutual funds. The upside is a little nicer than deposits with the flexibility of withdrawing funds at any time without having to wait for the time to maturity - in contrast with deposits.
Return money market mutual fund is about 0.5% per month, almost similar to deposits yes ... And on money market mutual funds there is no fee to enter and exit. Note for those who want to redeem or withdraw some funds from money market mutual funds, you should do 3-4 business days before the funds are needed, because the average disbursement T3 units in mutual funds is to get to the investor's account.
For the investment period of less than one year, money market mutual funds are investment instruments that can be selected. For example, we know that the next 6 months there is a need to pay the entrance fees amounting to Rp 10 million children. Ideally, it is these funds had already been prepared for a long time, but because we just know it ... yes please, began his investment from now only. Now, with the short term this should be the investment in money market mutual funds, for example, Rp 2 million per month.
Examples of other cases is that if a person has a large amount of funds but the funds would be used only 3 weeks ahead, it could have saved the funds are used in money market mutual funds for a period of 2 weeks. Suppose there is a total of Rp 125 million, if kept in money market mutual funds assuming a return of 0.38% per month, so if deposited for 2 weeks in money market mutual funds will make a profit of about USD 237 500. Quite right ... because to be deposited within a period of less than one month can not.
Mutual Funds FIXED INCOME
Mutual funds are subsequently fixed income funds, slightly higher yield. Suitable for the investment period is between 1-3 years. Beginners usually choose mutual funds for the introduction to mutual funds. The advantage gained between 7% - 12% per year. But there is also a performance can give a return to above 20% per year.
If in the money market mutual fund no provisions purchase costs (top up) and selling expenses back (redemption), then in mutual funds in this type there are imposing these costs. Usually the fee charged approximately 0.5% - 3% of the nominal amount invested for each transaction.
Given these costs, of course, we also have to be counting to determine when to withdraw the funds invested. At least not if the funds will be withdrawn, then at least to be seen whether the investment has been developed so that the funds despite having cut costs but still be able to benefit.
Eg investment of USD 1,000,000 in fixed income funds at a cost of purchase is 1%, then the funds invested is Rp 990,000. With NAV / unit at that time will be gained 972.28 USD 1018.22 units. In the following year the NAV / unit to Rp 1191.32 or value of the investment to Rp 1,158,294. There was clear return on investment of Rp 158 294 (± 15.8%). Just keep in mind, that the value of NAV / unit - or trivial price - of the fund can fluctuate daily. When going up, then the benefits will be seen again, but when NAB down, it seemed no profit or even a loss. Even so no need to fear ... fluctuations in fixed income funds is not too large.
MIXED Mutual Funds
Well .. These funds are higher risk than money market funds and fixed income funds, which would also give higher yields than the mutual fund. How does the range of returns from mixed funds? I prefer assuming 9% - 18% to the average return per year for mixed funds, although did not rule can be larger than that.
Investment in mixed funds looking for investments with a medium to long term, ie over 3 years. For example, for setting up the Education Fund, ie if planned the next 5 years later the funds required to enter Universities amount of Rp100 million, then we should invest from now on. With an estimated yield is 17% per year, the investment made to achieve the planned Education Fund amounted to Rp 1.07 million per month for 5 years.
Why such a period of time to invest in mutual funds advised over 3 years? The answer is that tend to be larger fluctuations than fixed income funds. May be illustrated here:
Mixed funds - Integrated Schroder Fund II has a return of 8.64% growth for the first year and 80.53% for 3 years (Infovesta, 30 April 2012)
If divided equally minded, of course, to return 3 years = 80.53%, then return for 1 year = 26.84% .... But the fact is not the case. This could happen because of the rise and fall of the return of the fund.
In the mixed funds there are some which require the purchase cost and the cost of sales back on the unit, as was applicable in fixed income funds. But some are not cut out for the cost of purchase or resale.
SHARE Mutual Funds
Fluctuations in mutual funds this one big enough. Can provide a great return, but could also fall more steeply than other mutual funds. This is because most of it is stock, which indeed are highly fluctuating. Equity funds looking for long-term investments with a time period over 5 years. Although fluctuating, but the trend will continue to rise.
Nothing in these mutual funds impose fees or costs of purchase and at the time of resale.
It was some kind of mutual funds. To find out the names of the Mutual Fund according to its type, can be seen in www.kontan.co.id or www.infovesta.com. Of those links can be obtained information about a wide range of mutual funds and update the NAV (Net Asset Value)
To know how to purchase, can be directly to the relevant investment manager or it could be to a bank that can provide services to buy mutual funds. Example: Commonwealth Bank, Bank Mandiri (only certain Branch Office), Bank Syariah Mandiri and others. Just ask to the Customer Service of the Investment Manager or the Bank.
Of the two options to purchase mutual funds, of course each has pluses and minuses. Stay adjusted which is convenient for us.
http://www.bengkulu-insurance.ga/2016/02/choosing-appropriate-mutual-financial.html