Like a vehicle, if the user is then Mutual Funds (RD) will bring you a richer future. Here are tips you can consider in order not wrong in choosing a mutual fund.
1. Return or performance of its growth historically, it must realize that the past performance (historical) is not a guarantee for the achievement of the future (could be higher or lower) but the return has historically been the work of running so it can be used as a benchmark (benchmarks) for measuring the performance upcoming mutual funds. Return must be mentioned is optimal, according to the level of risk it faces, example RD stock (RDS) is more risky than mixed with RD (RDC) and the RDC is more risky when compared with fixed-income RD (RDPT) but RDPT more risky than money market RD (RDPU).
2. Sharpe Ratio (SR), measuring the consistency of performance relative who returns in the long term. To calculate this must calculate the Standard Deviation (SD) first. So the excess return of the RD is on a relatively risk-free instruments (Bank Indonesia Certificate) divided by the SD. The point is that each RD must have a performance air turbulence or varied, sometimes provide benefits but may also result in the loss, now standard deviation can be made or referred to with a standard deviation (SD). Note (a method of Risk and Return): the lower the mean SD RD relatively safe, whereas the higher SR means relatively better performance.
3. Portfolio, asset allocation is a collection of RD are, evaluate whether it has a relatively high liquidity, to see ratings portfolio of bonds, to be seen whether the stock should be included in LQ45 or included in the category of Compass 100. Why do so because of existing stocks in the group are stocks that have high liquidity, and large market capitalization, is also the stocks that have good fundamentals and performance.
4. Number of Funds Under Management or Asset Under Management (AUM) is a reflection of public confidence in the RD (in accordance with the duration of RD and RD sophistication marketers of course). If from my point of view of growth factor funds should also be considered, should we ask in advance AUM growth data in addition we see returnnya developments within a certain time. It should be noted that the greater the potential return petumbuhan AUM then slowed.
5. The composition of the investment in question is who should be in accordance with the Prospectus that is recorded in RD page. Some of the RD (not much) sometimes encroach compositionally but only slightly. There are interesting things to be aware of the provisions of Bapepam at least 2 percent of AUM have shaped the cash.
6. Costs, consider the cost of entry (subscription fees), costs managemet, switching costs and exit costs (redemption fees). The cost here is not just artifacts but greatly affect the speed of growth of your funds in a long period of time.
Then is also not less important is the selection of types of mutual funds must be in accordance with the investment period that we want, for example:
1. Very short period of less than 1 year use money market funds (RDPU);
2. Short period of time that is between 1 to 2 years using fixed income mutual funds (RDPT) and can be a bit combined with a mixture of mutual funds (RDC);
3. Medium term ie between 2 to 5 years using a mixture of mutual funds (RDC) with a combination of the mutual fund shares (RDS);
4. Long period of time ie more than 5 years of use an equity fund (RDS);
If these tips do it consistently then you are potentially huge development funds to grow positively. Congratulations to invest in mutual funds correctly
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