Jakarta, CNBC Indonesia – Mutual funds are a type of investment that is familiar to your ears. Mutual fund investments can be made on various investment platforms you trust. One of them is in prosperous.id.
There are quite a lot of types of mutual fund investments that you can try. One of them is like fixed income mutual funds at merdeka.id. In this mutual fund, the Investment Manager will invest 80% of the funds managed in debt instruments or bonds.
Get to know the various advantages of investing in fixed income mutual funds
For investors who want to invest in the medium term, fixed income mutual funds are often the choice. Of course this is not without reason. Fixed income mutual funds are often the choice because of the following advantages.
Progressive Yield
Yield or profit is certainly something that is often considered before starting to invest. This is of course natural if you remember that profit is the target in every investment.
Fixed income mutual funds themselves offer very attractive returns for their investors. Of course, for those of you who are aiming for a medium-term investment with decent profits, this fixed income mutual fund could be an option.
Capital Gains and Dividends
What’s more interesting is that the profits from fixed income mutual funds are not only obtained from returns. If you decide to invest in fixed income mutual funds, you can also benefit from capital gains and dividends.
Capital gain itself is the profit you will get when you resell your ownership of fixed income mutual fund units. Meanwhile, dividends themselves are profits that you will receive through the distribution of investment returns distributed by Mutual Funds to customers who hold investment units within a certain time.
Usually the form of profits distributed to customers is in the form of cash or fixed income mutual fund investment units. Although not all fixed income mutual fund products distribute dividends, at Makmur there are several mutual fund products that regularly distribute dividends, such as the Trimegah Fixed Income Plan, BNI-AM Short Duration Bonds Index Class R1, Sucorinvest Monthly Income Fund and others.
Can be withdrawn at any time
For those of you who are looking for a medium-term investment, fixed income mutual funds are the right choice. You can get optimal returns in just 1 to 3 years.
However, if during the investment process you suddenly need emergency funds, fixed income investments can also be relied on. You can withdraw this fixed income investment at any time as long as it is withdrawn on the trading day.
More efficient
If you want to start investing but don’t have enough time to really manage your investments optimally, fixed income mutual funds are the right choice.
In fixed income mutual fund investment, you will be assisted by an experienced investment manager. This investment manager will help you manage your funds optimally. That way, you can still invest even if you don’t have enough free time.
Get to know the various risks of investing in fixed income mutual funds
Even though fixed income mutual funds are a type of investment that is suitable for the medium term, this does not mean that fixed income mutual fund investments are without risk. The following are various risks that you may face when investing in fixed income mutual funds.
Fluctuations in Net Asset Value (NAV)
As you know, in fixed income mutual fund investments, you will invest 80% of the funds from the Net Asset Value (NAV) in debt securities or bonds. Therefore, fluctuating Net Asset Value is a risk that you must face.
NAV can be very volatile due to the influence of two factors. The first factor is movements in the reference interest rate from BI or Bank Indonesia. Meanwhile, the second factor is the results of the debt securities rating.
Liquidity Risk
Even though fixed income mutual funds can be withdrawn at any time when you need emergency funds, that doesn’t mean you won’t face liquidity risks.
You still have to face liquidity risk when choosing to invest in fixed income mutual funds. You have to face this risk when the investment manager has difficulty providing large amounts of cash at one time. For this reason, if you want to withdraw your investment funds, try not to withdraw large amounts at one time.
There is no guarantee from LPS
Because fixed income mutual funds are not a banking product, fixed income mutual funds do not receive guarantees from LPS or the Deposit Insurance Corporation.
This of course makes you have to be brave enough to take investment risks when you know that the NAB value is falling. You also have to be brave enough to take investment risks when political or economic problems occur.
After knowing the various risks of investing in fixed income mutual funds, are you still interested in investing in fixed income mutual funds?
If you are still interested in trying to invest in fixed income mutual funds, there are various investment applications that you can try. If you are confused, you can try using the Makmur investment application.
Makmur is a reliable and trusted investment application. This application has been closely monitored by the OJK so that its security and legality are guaranteed. You don’t need to worry about losing your money while investing in Makmur.
The appearance design of the Makmur application is also very simple. Of course, this design makes it easier for anyone to use the Makmur application. No need to worry anymore when you want to invest and withdraw your investment profits.
So what are you waiting for? Come on, try investing in fixed income mutual funds at Makmur and experience the ease of investing in the style of young people in one hand.
[Gambas:Video CNBC]
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Originally posted 2023-10-21 07:15:00.