Mutual funds can be an investment option for groups, young people because it is safer and promises a high enough profit. Learn tips for beginners mutual fund follows.
Bisnis.com quoted from the official website of PT Samuel Asset Management, Saturday (10/01/2015), this latter, the public interest to invest in mutual funds increased. This was in line with the rise of literacy programs and in various media about financial planning.
You may have already received information about the investment fund, or at least just heard his name. However, potential investors often beginners who are interested not immediately make an investment because it does not know how to start, do not understand the terms and procedures of purchase and sale, do not even understand how to calculate investment results.
Starting a Mutual Fund Investment
Determine the investment objectives and understand your risk profile. Understand that like other investments, mutual fund investment risk also contains opportunities, among other benefits that are not guaranteed, so it may be impaired due to the falling value of the investment.
There are more than 800 mutual fund products sold in Indonesia. To find facts or material information about a mutual fund products in sufficient detail, you should read the prospectus of the mutual fund.
Another alternative to obtain information of a mutual fund is through documents Fund Factsheet. This document is usually issued every month by the Investment Manager (MI).
Fund Factsheet provides monthly performance report and a summary of important information in a prospectus, such as investment objectives, investment strategy, portfolio composition, minimal investment funds, and so on.
Take your time to learn about the products, especially the policy and investment risks, as well as recognize the track record and reputation MI. Learn the procedures for investment in mutual funds, including transaction costs, if any.
Then, select the mutual funds in accordance with the investment objectives, economic capacity and risk profile.
Where to Buy Mutual Funds
Mutual funds can be purchased directly from the institution that manages and publishes a mutual fund product, which is the investment manager. The advantage of buying directly through MI usually the amount of investment that is more affordable and cheaper cost.
Some MI offers mutual fund products with a minimum purchase of Rp100,000-Rp250,000 only. Only, by MI, selection of mutual funds is limited because only sell mutual funds managed by the MI.
You can also buy mutual funds through a bank that is licensed as Mutual Fund Sales Agent (APERD). Excess buy mutual funds through a bank seller, in addition to more product choices, you can also buy mutual funds from different MI, plus the auto debit facility that makes it easy to purchase mutual funds.
On the other hand, some mutual funds that become favorites or featured product may not be sold in the bank because there is no cooperation between MI sales with the bank.
Procedures for Purchase
There are some general provisions in the mutual fund transactions. First, the transaction can only be done on the day of the exchange.
Are much like to open an account open a bank account, to open a mutual fund account, you will be asked to fill out a form with signed with wet ink (original), set up a requirement photocopies of documents that have been determined, and the course set up funds to be invested ,
It is a requirement for candidates for individual investors Indonesian citizens to have an ID card and TIN if you want to invest in mutual funds.
For institutional investors are also required to list the company’s articles of association and some other paperwork requirements. All documents in the top part of the KYC (Know Your Customer) that are required by the FSA (Financial Services Authority).
All documents are then submitted to the investment manager, either directly or through a dealer. Furthermore, you deposit funds into an escrow account corresponding mutual fund products were selected.
Second, the transaction is processed based on the NAV per unit. Net Asset Value (NAV) is the value that describes the total wealth of daily mutual fund. In addition to the market price of the assets of the mutual fund itself, NAB also affected by the purchase and sale of mutual fund investors.
Unit is a unit that shows your ownership in a mutual fund. Thus, the NAV per unit is the price obtained from mutual funds NAV divided by the total of units outstanding during the day.
NAV per unit is often pronounced as a “mutual fund price” or “price NAB”. This price is published only once a day in various newspapers or online media.
You need to know, the high NAV per unit of a mutual fund does not show that mutual funds were expensive or otherwise. NAV per unit is higher generally indicates that the fund is long enough so that assets have increased high value.
Thirdly, there is a time limit (cut off time) for acceptance of transactions every day, either purchase or resale. If the purchase of mutual funds made before the cut off time, then your transaction will acquire NAB price on the date of transaction.
While mutual fund purchases made after the cut-off time, then you will follow the price of the NAV on the next exchange or T + 1 from the date of purchase mutual funds. Cut off time specified in the prospectus transaction is generally between the hours of 12:00 to 13:00 pm.
Price NAB recently completed normally calculated every afternoon and announced the next day in the media. If it is said you will get a purchase transaction price is today, it is technically the NAV price of the new note the next day. If it is said to get the price tomorrow, then technically the price was just known the day after tomorrow.
Lastly, you will receive a Confirmation Letter mutual fund purchase transactions to published by the custodian bank no later than 7 days exchange after the original form and the funds received by the custodian bank.
In addition to the transaction confirmation report, you will also receive progress reports every month investment funds. This report should be kept as proof of ownership of mutual funds. If you do not receive, immediately contact the seller or the bank-related MI.
How to Calculate Return on Investment Mutual Funds
How to calculate investment returns of mutual funds is fairly easy, by counting the number of units of mutual funds we have multiplied by the difference of the price NAB NAB sell it to buy mutual funds.
For example, a year ago you bought XYZ Mutual Fund worth a hundred thousand rupiah at NAB 1000 prices, so you get (100,000 / 1,000) = 100 investment units. Currently the price of XYZ Mutual Fund NAV in 1200. If you make a sale of all units of the Mutual Fund XYZ at the current NAV price, then the gains are 100 units x (1200-1000) = 20,000.
What if the price NAB NAB selling below purchase price? For example, the price of XYZ Mutual Fund NAV is currently 900, then the value of your investment is 100 units x (900-1000), or reduced Rp10.000, -. If you make a sale when the asset value is being reduced, meaning you realize a loss.
The result of the calculation of yields may cost the purchase of investment units (subscription fees), costs transfer of participation units (switching fee) and the cost of the resale of units (redemption fee). So, you need to check again whether yields are still deducting the costs of mutual funds.
Pretty easy not to invest in Mutual Funds? Moreover, supported by advances in technology today, enables you to find as much information about mutual fund investments.
Currently, some investment managers and banks have a lot of sellers who provide informative website about the products and services of mutual funds. Some even provide online services to facilitate investors to buy mutual funds.
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