YOGYAKARTA - mutual fund investment is currently increasingly popular with the public. Many people prefer this investment instrument because it has a lower risk than stocks. There are a number of mutual fund investment products that you can choose from.
Mutual funds are an investment product in the form of a collection of funds managed for investment capital. The investment manager will manage a collection of investors to convert into various types of products, such as stocks, bonds, and other investment products.
Mutual funds are also a suitable product for beginners and are easy to understand. In addition to the small risk, many people choose to invest in mutual funds because they are more practical in terms of time and energy. Your investment capital will be managed by a professional investment manager.
When you are about to start investing, make sure you already know the types of mutual fund investment products. There are several types of mutual fund products that you can choose from, as follows.
This type of mutual fund is most chosen by beginners because the risk is lowest. Money market mutual funds are the type of money market investment instrument in the less than one year. The investment offered is usually in the form of future deposits, Money Market Securities (SBPU), Bank Indonesia Certificates (SBI), and other instruments. However, in accordance with the risks, money market mutual funds have relatively small profits or results.
This type of mutual fund has a higher return than mutual money market funds. However, the risk of investment of this type is also higher. This type of mutual fund allocates investment in bonds or debt securities with a percentage of 80 percent. This type of investment is very suitable for long-term financial purposes of around 1-3 years.
Mixed mutual funds are an investment activity that allocates funds into a combination of investment instruments. For example, stocks and bonds in the investment portfolio. This type of investment has a high level of return on capital. But the risk is also high. Mixed funds are suitable for long-term financial purposes of 3-5 years.
Share fund mutual is the type of investment that has the highest risk. This investment allocates funds of at least 80 percent into the form of shares. In comparison to the risk, this investment has the highest return or profit as well.
This type of mutual fund is an investment version of sharia. This type of investment is carried out following the provisions and principles of sharia in Islamic teachings. For example, investment should not be allocated to the industrial sector that contains usury, such as liquor companies.
Many people are interested in investing in mutual funds because they have many advantages. Here are a number of benefits that you will get when choosing mutual fund investment.
Mutual funds are a type of investment that is easily understood by beginners. Processes and needs in mutual fund investment are not as complicated as when you invest in stocks. You just need to find and entrust your investment capital to professional investment management. Next you just have to look at reports related to your investment development.
Capital for mutual fund investment is also very affordable. You don't need to buy in a lot unit like in stock investment. You can buy mutual funds according to the numbers or nominal that have been prepared.
Another advantage of mutual fund investment is that the risk is lower than stocks. With low risk, this investment is very suitable for beginners.
There are various mutual fund investment products that you can choose, ranging from mutual money market funds, mutual stock funds, mutual income funds, and so on. You can choose mutual fund products that suit your finances and risk considerations.
Investment management that manages mutual funds is professional people who are competent in the investment sector. The investment management already has good experience and analyzing skills. Thus, you can invest more in friends.
That's a review of mutual fund investment products. There are several types of mutual fund investment products that you can choose according to financial conditions. Mutual funds are the type of investment that is most suitable for beginners because the risk is relatively lower. Currently, many digital platforms provide mutual fund investment services.
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