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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.

Investments must be Arrested for Long Term

The key to successful investing is the fifth in must be retained for a long enough period of time. This is done to ward off the volatility and risk of loss. The biggest mistake that is often taken by investors is always too ready to protect their portfolios, so often panic when the market crashed and took off the entire investment.

In fact, investors should be sure that the weakening trend that is only part of the cycle that will eventually bounce back, unless it is an investment instrument cycle is nearing its peak.

• Evaluate each investment trends

The key to successful investing is the sixth in a contrary investor, but not against the market. For example, when everyone take action to buy, you must be a seller. Vice versa, when everyone is selling, you must be a buyer. As Warren Buffett said, “you should be greedy when others fear, and fear when others greedy.”

• Know the peak of the cycle of the investment before maturity

The seventh or last key in successful investing is to oversee the investment cycle peak before falling. An investment will reach its peak before it finally entered the downward trend. Indeed peak can not be seen by the naked eye, but there are some features you can consider:

The yield that you get a sudden speeding, higher than that usually you get within a year. Soon this investment cycle will reach its peak.
If all you know, friends, relatives and neighbors talk about the benefits of investment results obtained in the same instrument with you. The characteristics of approaching its peak.
If more people started to stop working and rely on just living by trading stocks through online trading in the stock, or a real estate broker. Examples like these show that both instruments investment cycle has reached its peak, it is time you are looking for a new investment instrument with a cycle that is still young.

Good luck to start investing …

Mutual fund investments are those made by several persons, which provide money to invest in either stocks, bonds, deposits, etc. All these people are gathered for a fund administration company.

Such companies, working for Commissions, which leave the diversified investment management, but all risk is borne by investors.

Investments in mutual funds, usually a type of investment easier, and you do not need to be very skilled in financial literacy, as well as their investment is very high.

The profitability of investments in mutual funds is very good, not as high as an investment in the stock market, but you can leave good profits, in turn is often a long term investment.

Irrigation is running on this type of investment is medium or low, because the management company is represented by experts in all matters of investment, they make investments in a diversified way. Read the rest of this entry »