Have IDR 10 Million to Buy Mutual Funds, How Much Luck?

Jakarta –

Mutual funds can be an investment instrument choice for people who are just starting to invest their money. This investment instrument has a fairly good level of profit.

There are various types of mutual funds ranging from money market funds, fixed income mutual funds, mixed mutual funds, equity funds, protected mutual funds, index funds, guaranteed mutual funds, to Exchanged Traded Funds (ETFs).

The types of mutual funds depend on the management of the funds. For example, equity funds, customer money will be managed in the stock market. Now each MI has its own blend. Therefore the performance varies.

There are those that provide profits of up to 40% more, but there are also those that have negative returns, aka the value of our mutual funds has decreased.

The types of mutual funds depend on the management of the funds. For example, equity funds, customer money will be managed in the stock market. Now each MI has its own concoction. Therefore the performance varies.

In mutual funds, there is something called Net Asset Value (NAV) in English. This is the net value of the total wealth of a mutual fund product, after deducting operating costs such as custodial fees and MI costs.

This NAV is the reference value for a mutual fund product. Therefore, every day the NAV value fluctuates or moves according to the investment performance of the MI formula.

But NAV is not a price mutual funds. The price for mutual funds itself comes from the NAV divided by the units of participation (UP).

For example in early 2020 detikers buying mutual funds with the Rp. 10 million earlier. At that time, the mutual fund had a NAV / UP of IDR 2,000. Then the UP earned at that time was IDR 10,000,000: IDR 2,000 = 5,000 UP.

If in one year it increases by 46%, the NAV / UP value at the end of 2020 will be IDR 2,920. Then if at that level the mutual funds are disbursed, the portfolio value becomes 5,000 UP x Rp 2,920 = Rp 14,600,000.

If the capital is deducted, the net profit that can be obtained for 1 year from investing in mutual funds can reach Rp. 4.6 million. That is, if the capital is Rp. 10 million, you can calculate for yourself if the capital is Rp. 100 million, then the net profit is Rp. 46 million one year.

However, it is important to note that there is a risk that is lurking in mutual funds, namely a decrease in NAV. This can happen if the content of the mutual fund product has decreased in value, such as stocks and debt securities.

In stocks, of course, the biggest reference is by looking at the Composite Stock Price Index (IHSG) if the mutual fund product is stocks. But the decline in the JCI also did not guarantee that the value of mutual funds would also decrease, because it all depended on the shrewdness of MI in managing customer funds.

Another risk, namely liquidity risk, can occur when investors want to withdraw their money at mutual funds, the mutual fund does not have enough money due to massive disbursements.

Watch Video “Government Asked to Set Criteria for Share Speakers“
[Gambas:Video 20detik]
(das / dna)

– .