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Regarding mutual funds, how to invest in this financial instrument can be done very easily. Therefore, this mutual fund investment is very popular among beginners who want to invest. Because of the relatively small capital and small risk. For the way to do it, you can do it through the methods below. But before that, make sure you have downloaded the application of GIC Mobile on your Smartphone.
Mutual Fund Investment
For those who don't know how to invest in mutual funds, it's a good idea to know what mutual funds are. Mutual funds are collections of funds that are managed to make investments such as buying stocks, bonds, or other financial instruments. As discussed earlier, this mutual fund is a form of investment that is relatively easy to do. For those of you who have little capital, mutual funds can be the right choice for you to start investing. In addition, this mutual fund investment method can be done both individually and institutionally. No need to worry because you don't know anything, because later there will be an investment manager who will help you in making investments.How to Invest in Mutual Funds for Beginners
Even though you will be assisted by an investment manager later, you should also know how to invest in mutual funds and what things will be done to make this mutual fund investment. For the methods, you can see from the procedure below.Define Goals
Because there are so many types of mutual funds, the first thing to do is to determine the goal. What type of mutual fund will you choose to invest in? In addition, to not hinder investment later, you must determine what goals motivate you to invest in mutual funds.
In addition, also determine how much money you will use to make this investment. Is the investment for the long term or short-term? After determining all these things, then everything will become more directed better and more organized in determining your own focus.
Know the Risk Profile
Every investment instrument, of course, will still have risks every time it runs. Each investment also has different risks. Of course, mutual funds also have investment risks that you must pay attention to. Such as the risk of depreciation caused by changes in the price of assets in it, liquidity risk that arises when the investment manager is late in providing funds to pay for the disbursement made by investors, the risk of default or default that occurs if the investment manager's business partner fails to fulfill its obligations, economic and political risks that usually arise both from within and outside the country such as changes in regulations that can affect the performance of mutual funds.Choose the Right Mutual Fund
As discussed earlier, the right thing before investing is to determine the goal by choosing the appropriate mutual fund. The goal is whether the investment is short-term or long-term? and for what purpose the investment is such as buying a house, education fees, vacation, or others. After determining these goals, then you can choose a mutual fund that is also in accordance with these goals. For example, for education costs for a period of 5 years which is classified as a long-term investment. Or a short-term investment such as, buying something in 1 year.Read and Research
After you are sure that you have chosen a mutual fund that suits your goals and characteristics, it's time to read and research about the mutual fund that you have chosen. You can do research through any media that you think is reliable. You also have to know things that need to be researched, such as checking the legality of mutual fund companies. Whether it has been officially registered with the OJK or not, whether the company has ever committed fraud or not.Also be careful about scams that usually include the OJK logo so that people think their company has an official license. To determine its effectiveness, you can check the official OJK website before you invest in the company. In addition, you also need to trace the track record and portfolio of the company. A good company will definitely have a good track record, a good portfolio, a reputation and quality performance. So that all your investments will be guaranteed to be safe.
Investment Routine
Investing with large capital and over a long period of time will generate large profits or profits in the future. However, not everyone can have a large capital when they start. For this reason, you can invest with little capital and carry out it regularly. With regular investment, it can be another alternative for you without having to think about market conditions that go up and down.With a long term, this investment can bring profits for those of you who use small capital. It should also be noted that mutual funds in the form of stocks will have a high risk, so this investment is only for investors who are aggressive or already experts in making investments with a long period of time. After learning how to invest in mutual funds for beginners, you can also learn how far your talent in trading has gone through this Preliminary Test.
Online Mutual Fund Investment Application for Beginners
In the modern era, of course, all work can be done online. Plus, everything has been facilitated by the existence of websites and applications that suit the goals of its users. In this case, of course, mutual fund investment also has many options created by each investment company. For beginners, of course, this application will be the right choice when you start investing. And of course, each of these applications already has an OJK permit. Before proceeding to various mutual fund investment applications, you can consult with the GIC team by filling out the Trader Assessment so that you can ask anything about trading. The names of the application of this company in the world of financial services include:Bareksa
Bareksa is an integrated financial and investigative marketplace in Indonesia. One of Bareksa's advantages is that it provides various types of mutual fund products from several investment managers. In addition, Bareksa will not charge transaction fees for its users, can buy several mutual fund products in one account, and also supporting investment features and tools.Bibit
In addition, there is a Bibit application that can help you start investing. The advantage that you can get from the Bibit application is that the Bibit application itself uses Robo Advisor technology which helps select quality mutual funds, is free of commission fees, can be disbursed at any time, and can also start from Rp 100,000. What's more, this application has a layered security system in protecting funds and data.Raiz
In this Raiz application, there are 3 features that they offer, namely, Lump Sump (instant investment), Recurring (investment installments), and also Round Up (the difference in defense that will be rounded to multiples of IDR 5,000). The advantage offered by Raiz is that you can invest on a micro scale by applying for an investment with an initial capital starting from IDR 10,000, an investment portfolio option where the money collected in your account is invested, you can also withdraw it at any time, and there are also no transaction fees.TanamDuit
Furthermore, there is the TanamDuit application which offers initial investment capital starting from IDR 10,000 with a fast process and can be disbursed at any time. In addition, the risk for loss is minimal due to the way investment managers work who spread your money in many places. Other offers range from 0-2% interest per annum depending on the bank's policy, and a 20% tax on the yield you get. Plus, you can also withdraw funds anytime you want.Tokopedia
In addition to the application above, there is another trusted application in terms of mutual fund investment, namely Tokopedia. Tokopedia offers instant disbursement in minutes without admin fees when you want funds to be disbursed. Also, an easy registration process in just 5 minutes, profits of up to 6.00% per year with capital starting from IDR 10,000 without being taxed, and buying and selling that can be done at any time with the proceeds of sales that can be directly used for the next transaction. Before continuing to the discussion of the types of mutual funds, it's a good idea for you to invite your closest friends or family to join GIC. Or you can also become an IB in the GIC Affiliate program so that you get some additional bonuses from the program.Types of Mutual Funds
After knowing what mutual funds are and what applications can be used online in terms of investing, currently we will learn what types of mutual funds can be chosen in investing so that later when you are going to register, you are not confused in choosing this type of mutual fund.Money Market Mutual Funds
For those of you who are still beginners and afraid of big risks in investing, then money market mutual funds can be one of the right choices for you. This money market mutual fund is a type of mutual fund whose investment instrument is aimed at debt securities with a maturity of less than 1 year. This money market is in the form of time deposits, certificates of deposit, Bank Indonesia certificates, bonds of commercial companies, and so on. Money market investments are made through instruments that are easy to disburse. However, the smaller the risk, the smaller the profit obtained. For this reason, regular investment is needed to get even greater profits.How to Invest in Money Market Mutual Funds
The ways to invest in mutual funds that you can do to invest in money market type mutual funds are:- Choose a platform that provides mutual funds. Like the application that has been described above.
- Create a mutual fund account. Later you will be asked to fill in your personal data and form and a copy of your ID card when registering.
- Make a deposit of funds. For the size of the deposit, it usually varies. Some start from Rp 10,000 to Rp 100,000.
- Choosing money market mutual fund products. Later after choosing money market mutual fund products, your money will be managed by an investment manager to make it more practical and safe.
Fixed Income Mutual Funds
For those of you who have medium-term investment goals, fixed income mutual funds can be your best choice. Because this fixed income mutual fund will have opportunities that provide fixed profits. It is called fixed income because the debt securities or oligogacy buys fixed yields regularly at least once a month or every three months.How to Invest in Fixed Income Mutual Funds
Ways to invest in mutual funds that you can do when you want to invest in fixed income mutual funds are:- The first step you have to take is to choose a platform that provides mutual funds.
- Create a mutual fund account according to your personal data. Follow the terms and conditions including personal data and information that must be filled in.
- Make a deposit of funds. Please note that later fixed income mutual funds will be subject to a 20% ppH tax.
- The last step is to choose a fixed income mutual fund product. This type of mutual fund will consist of 80% bonds and the rest are stocks or money markets.
Mixed Mutual Funds
This mixed mutual fund has an investment portfolio in the form of stocks, bonds (debt securities), and money market (deposits) with an allocation of not more than 79% each. This mixed mutual fund also has risks such as market value that changes depending on the stock market, and the absence of government guarantees. As for the advantages, mixed mutual funds have greater returns than fixed income mutual funds, diversified investments, and also this type of investment is relatively safe.How to Invest in Mixed Mutual Funds
The way to invest in this type of mutual fund is also almost the same as other types of mutual funds, the only difference is when choosing a mutual fund product. For those who want to invest in mixed mutual funds, what can be chosen when choosing a product is the type of mixed mutual fund. Also keep in mind, this type of mutual fund has a higher risk than the money market or fixed income. However, it has a lower risk than the type of stock mutual funds.Stock Mutual Funds
This type of mutual fund is a type of mutual fund whose funds will be allocated to stocks. Please note that investors who buy stock mutual funds cannot enjoy dividends like shareholders. Because of this, stock mutual funds have a lower risk than stocks. However, the returns offered by stock mutual funds are higher than other types of mutual funds.How to Invest in Stock Mutual Funds
The way of mutual fund investment is arguably the same as other types of mutual funds. With the following steps:- Investors open an account at a mutual fund provider company.
- Investors choose the type of mutual fund to be used for investment.
- The investor pays a deposit to the investment manager according to the predetermined amount.
- Furthermore, the investment manager will manage the investor's funds to the securities sector in accordance with mutual fund instruments.
Sharia Mutual Funds
This type of mutual fund is a forum for collecting public funds managed by legal entities and managed by investment managers with Islamic sharia provisions and principles. One of them is a portfolio of fund placement in Islamic financial instruments such as Islamic stocks and sukuk. For the types, there are 7 types that are sharia-compliant such as, money market sharia mutual funds, fixed income sharia mutual funds, stock sharia mutual funds, mixed sharia mutual funds, and protected sharia mutual funds. In addition, there are also mutual funds in the form of collective investment contracts (KIK).How to Invest in Sharia Mutual Funds
For those of you who want to invest in sharia mutual funds, you can follow the following way to invest in sharia mutual funds:- Prepare documents to open an account. Such as personal data KTP/SIM/NPWP.
- Next, you can choose an investment manager/APERD.
- Choose a company with an official sharia mutual fund that has been registered with the OJK.
- Make an agreement with the investment manager on the deposit payment to be made.
Structured Mutual Funds
This structured mutual fund is often also called a structured fund. These structured mutual funds are divided into three types, namely, index mutual funds, guaranteed mutual funds, and protected mutual funds. These types are the development of conventional mutual fund products. This mutual fund can invest in capital market products, money markets, real assets, and infrastructure projects.How to Invest in Structured Mutual Funds
For those of you who want to make structured mutual fund investments, you can do it like how to invest in mutual funds when registering for other mutual fund investments, but with the difference of choosing a company that provides this structured mutual fund product. After knowing the type of mutual fund, filling out an internal survey will also be very necessary if you are satisfied with the articles and services from GIC.
Advantages of Mutual Fund Investment
After discussing the types of mutual funds themselves, this time we come to the advantages when investing in mutual funds. The advantages you can get are:- Asset diversification means that an investor can buy shares in the financial sector and then buy several other stocks in the agricultural sector at the same time.
- In addition, there is also the convenience of buying shares. Even with a small capital, you can buy shares in mutual funds.
- Liquidity or the ability to enter or exit without difficulty. Investors can also sell their mutual funds quickly without having to think about the difference between the selling price and the prevailing market value.
- Affordable costs by utilizing collective strength to lower costs with maximum profits.
- Ease of process and also professional expertise in managing mutual funds.
