Rancakmedia.com – As we know, mutual fund investment tips must be understood by investors to prevent losses, because many individuals now choose easier access to invest in mutual funds as a result of technological advances.
List of Mutual Fund Investment Tips
Before taking a wrong step, it's a good idea to first look at the mutual fund investment tips that we have summarized, including the following:
1. Understand the Risk Profile
When you initially want to invest, investors must first assess their unique risk profile. A high level of risk is more likely to be borne by experienced investors in the investment world (aggressive).
On the other hand, if the investor is just starting out and has no previous knowledge about investment, a simpler allocation may be appropriate.
The risk profile must be changed. This is key to growing a portfolio.
2. Set Investment Goals or Requirements
After understanding the investment risk profile, investors can make investment goals short-term, medium term, or long term.
For example, imagine that you are devoting 50 percent of your investment capital to a mutual fund. For long term goals, you also own a 10 percent stake.
Meanwhile, to meet medium-term needs, you allocate 20 percent in retail SBN (State Securities). For short-term needs, you put 20 percent of your funds into money market mutual funds.
3. The Right Investment Instrument
Stocks and equity mutual funds are high-risk investment instruments that must be kept for long-term purposes.
On the other hand, retail SBN can make it easier to handle investment funds at once or to deposit large amounts of cash at the start of the investment. Retail SBN is a low-risk investment instrument because it is issued by the government.
Money market mutual funds are also low-risk investment instruments. Money market mutual funds store funds in the form of deposits, Bank Indonesia Certificates (SBI) or State Treasury Notes (SPN), which are SBN with a term of less than one year.
Debt securities (bonds and sukuk) and mutual funds with ownership of debt securities, such as fixed income mutual funds, are examples of low-risk investment vehicles.
After identifying the risk profile and understanding the investment objectives, it is also important for investors to make an assessment.
When choosing to acquire an investment instrument, investors must study and research information about the asset. The reason the review is so important is to realign with demand for liquidity.
It is also important for investors to exercise caution when seeking investment advice. Don't let investors get the wrong investment advice.
Below we have summarized some frequently asked questions about mutual funds, as follows:
Do Mutual Funds Have to Pay Monthly?
One type of investment that is quite popular among all circles, especially among beginners, is mutual funds. However, many are still confused about whether to use mutual funds, you have to deposit every month or not, and the answer is you don't have to.
Thus the article about Knowing Mutual Fund Investment Tips So You Don't Lose, you can understand the article above first before investing in mutual funds.
Hopefully this article about Knowing Mutual Fund Investment Tips So You Don't Lose can be helpful and useful for all of you who want to invest in mutual funds.