Mutual Fund Investment Tips for Beginners
Investment plays an important role in our survival. At the present time, saving money is not enough, especially with the interest savings are still far below the annual inflation so the value of your money will be increasingly eroded from year to year.
For example, if you have a USD 100 million is stored securely in a bank with an annual interest of 5%. Thus, in one year you will have a Rp 105 million. That number is increasing, but the actual value falls.
With the inflation, which on average is usually around 6% per year, then if one year ago with the money of Rp 100 million you can buy a car, this year the car price to $ 106 million. The money you save in one year was not even enough to buy a car, even with interest the bank.
To avoid this happening, you need investment. The place could be anywhere, stocks, bonds, mutual funds atua property. This last one is the way of investments that do not require a lot of money, but with a fairly high yield.
By investing in mutual funds, money in the long run will result in higher values of inflation. Mutual Fund is an option for potential investors who do not have large funds, lack of time and access to information and want to have a diversified portfolio.
How do mutual funds invest safely? Here are tips for beginner investors provided by the Senior Financial Planner Akbar’s Financial Check-Up, Lisa Soemarto as he said at the launch of his book “Reaching the future with the Mutual Fund” in the Grand Indonesia, Jakarta, Saturday (26/11/2011) .
1. Consult with your Financial Planner (Financial Planning)
There are plus minus if we direct it to the dealer mutual fund, because of course the sale is limited. It is worth consulting with a financial planner because it is an independent profession. So it can be directly recommended products, continues then we will be more confident to invest.
2. Determine the types of mutual funds based on financial goals
Setting usability funds invested in the Fund. Are the funds for the purchase of assets, to fund children’s education, for retirement or for any other purposes in the future.
3. Set a time period based on the investment needs
Set a time period when the funds will be used. Thus, investors can specify the type of Investment Fund that will be purchased in accordance with the time period. Not all of Mutual Funds in accordance with investment objectives.
4. Know your risk profile
Types of Mutual Funds derived are also tailored to the risk profile of investors. This will determine the allocation of Thomasin magnitude of these types of Mutual Funds that have purchased the customizable between investor risk profiles and risk profile types of Mutual Funds
5. Select Investment Managers
Investment Manager’s background can be read in prospekstus Mutual Funds. Select Investment Managers who already have experience in managing a mutual fund.
The following guidelines can you do in selecting Investment Managers:
Select which already have big names
Check the Fund Fact Sheet, if it shows a good performance of return (return on investment since published) is higher than interest rates and inflation rates. Examples of Mutual Funds A ‘return’ since published in 2006 is 100%. Then ‘return’ Investment Fund is a 100% per year: 5 years = 20%. Above 20% is good.
Select which already has a website because we can download Fund Fact Sheetnya and there is an auto debit each month.
Check if the Investment Manager have had problems in the capital markets
Check how much money is managed by the Investment Manager.
Successful investing.