strong mutual fund is an investment instrument is suitable for novice investors in the capital market, before you get into the stock instrument. Or to prepare for your future retirement.
We want to try to peel this time about investing in mutual funds. What is a mutual fund, how berinvestasinya and how much profit can be, then who are the cocon invest in this instrument, the following brief description of Ellen May, Specialist Investment as quoted Beritasatu dot com:
strong one. What is a Mutual Fund?
Mutual Fund is a capital market investment products, which is a means to raise funds from the community to be managed by an investment manager / fund manager. Fund managers to manage the money through other investment instruments such as stocks, bonds and other money market instruments.
customer / investor does not need to be confused about how to manage it, how to pick stocks, how to choose bonds. The fund manager is the one who will do the work. Client / investor fairly evaluate and accept the results.
In Mutual Funds, the entire funds are not kept by the investment manager, but stored in the custodian bank called. In addition, the custodian bank also serves as administrator and confirm that records of all purchases and sales of the Fund, as well as calculate the Net Asset Value of the Fund each day.
strong 2. What are the types of Mutual Funds?
There are several kinds of mutual funds, among others:
strong a. Money Market Fund:
Mutual fund investments are planted in debt securities with a maturity of less than one year. Money market mutual funds are not put investments in foreign currency, but in the short-term debt under 1 year.
Mutual has a special characteristic that is the price per unit is always 1,000, – no cost of purchase or sale, and the number of units being added to every day.
Because of its placement on a relatively safe investment products, so it is in the category of mutual fund investment products are quite safe. With low risk, this fund net yield is only about an average of about 5 percent-7 percent per year.
In financial planning, the mutual fund is suitable for the purpose of short-term 1-3 years. You may also place an emergency fund to this fund. Are mutual funds can be used for long-term goals? Sure you can, but the yield is relatively small compared to other investment, causing it to become less attractive for longer-term investments generally provide greater returns.
strong b. Fixed Income Fund:
Mutual puts its investment in bonds (the term is a fixed income and fixed income to be taken literally). Fixed Income Mutual Funds name never made a stir in 2005.
Many people who are just starting to invest in mutual funds this type of thought that “fixed income” means a fixed yield investment and no risk of impairment.
As a result, the contents of the current bond portfolio of mutual funds has decreased, then paniklah investors and make disbursement simultaneously. Currently, investors who invest in mutual funds already have a deeper understanding about mutual funds that people panic when the value of mutual funds down, it almost never happens again.
Has the level of risk on money market mutual funds, fixed income funds can provide an average yield of about 7 percent-15 percent per year. In financial planning, the mutual fund is suitable for short to medium-term goals, ranging from 3-5 years
opportunity to give mutual fund fixed income yield of 8 percent-10 percent for the year 2012.
strong c. Balanced Fund:
As the name implies, this fund consists of investment products consisting of bonds, stocks or equity and other investment products.
In general, mutual fund mix is divided into a mixture of conservative, moderate or aggressive, depending on the products shaping investment. The more the stock portion in it, the more aggressive is this mix of mutual funds.
more aggressive, meaning it has a higher risk than other types of mixed funds, and automated the higher yield expectations.
However, there is also a mix of mutual funds that hold shares in only a small portion even none at all, these funds are categorized in a conservative mix of funds.
With investment products in it are varied, mix of mutual funds actually become more flexible in times of crisis. The composition of stocks and bonds owned can be adjusted to market conditions. Average yield mutual fund is a mix of 15 percent-20 percent per year and can be used for medium-term investment.
investment objective which has a period of 5-10 years can use a mix of mutual funds. The longer period of time, we can use a more aggressive mix of mutual funds. In terms of risk, this fund has a higher risk than fixed income funds but lower than the risk of stock mutual funds.
In the year 2012 is projected to return funds mixture for 1 year ranged from 10 percent-18 percent.
strong d. Mutual Fund Shares:
Mutual fund at least 80 percent of the funds under management are invested in equity securities.
Fill portfolio of mutual funds is a type of stock / equity, and is a type of mutual fund with the level of risk and highest returns. If we want to buy mutual fund shares, pay attention to the types of stocks chosen by the relevant investment manager.
There are types of stock mutual funds that invest only in blue-chip stocks, infrastructure stocks, second liner stocks or other types of stock types. Each type is of course a risk and returns that are different.
Target return on average equity funds amounted to 20 percent-25 percent per year. The magnitude of the yield is average for the long term. This means that stock mutual funds is likely to return to 40 percent or more per year, but if the stock market crisis, the yield could give a minus.
With this high fluctuation risk, the mutual fund shares are not suitable and not recommended for short-term investment. In financial planning, investments in equity funds are typically used for long-term investment objective over a period of 10 years. Pension funds, education funds for S1 level, funding for businesses and other long-term goals are objectives that uses mutual fund shares.
In 2012 projected return of mutual fund shares for 1 year in numbers ranging from 15 percent-25 percent
In your choice of a mutual fund product, we encourage you to look at and read the prospectus of the mutual funds available.
strong 3. Anyone who is fit to invest in Mutual Funds?
Anyone investing in mutual funds a good fit students, housewives, professionals, anyone. The earlier the better investment. For Mareka who want to enjoy the benefits in the stock market but do not dare to invest directly in stock, and would like to get a return on the deposits, investment funds can be a solution.
strong 4. What are the requirements to buy a Mutual Fund?
Fill out a form with personal data completeness and senjumlah deposit money.
strong 5. Where we can buy a mutual fund?
We can buy a mutual fund or a bank designated by the securities investment manager for a mutual fund dealer.
strong 6. What we need to consider before buying a mutual fund?
In your choice of a mutual fund product, we encourage you to look at and read the prospectus of the mutual funds available. Important things to note in the prospectus of each mutual fund are:
· The portfolio of the mutual funds shares / bonds / money market instruments what is inside and what their respective weights.
· The resulting performance in the past, you should check growth performance in recent years. Also check the performance in masa2 difficult as in 2008. In 2008 almost impossible there are still profits fund. But despite sama2 loss position at the time, check where the most rapid funds recovered, it is the most healthy.
· The view / projection of the investment manager of the fund in the future about the macro economy, currency, and industry trends of the stocks in the portfolio.
· Compare past performance against similar funds (eg, commodity-based mutual funds with funds other commodities), and compare well with the growth of JCI. Mutual funds have good growth on the growth of JCI.
· transaction costs include management fees, sales and redemption fees.
strong 7. What is the value of a minimum purchase of Mutual Funds?
Minimum investment varies between each of the investment managers. There is a nice starting from several hundred thousand to millions of dollars.
strong 8. How to invest in Mutual Funds calculation?
Net Asset Value (NAV) is the value that describes the total wealth of a particular mutual fund every day.
number of units will remain as long as you do not make a purchase mutual funds again.
number of units you get depends on the price NAV per unit on the day when you buy a mutual fund.
Example transactions in mutual funds, please note the illustration below:
On June 5, 2011, you are buying mutual funds amounted to 10,000,000 X. NAV / unit of Mutual Funds X on that day was Rp2.500, 00. Then the units you have is 10.000.000/2.500, 00 = 4000 units.
On March 6, 2012, you sell back all your mutual funds. NAV / unit of Mutual Funds X on that day was Rp5.200, 00. So your total investment is 4000 units x 5200.00 = Rp20.800.000.
So the advantage you gain is the difference of Rp20.800.000, – and 10,000,000 – that Rp10.800.000, –
strong (Ellen May, an expert on investment)
Read also: http://brokerforex.com/investasi-profit-besar/cara-investasi-yang-benar-dan-aman/
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