Starting from IDR 50 thousand, here's how to invest in profitable online mutual funds!
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| Starting from IDR 50 thousand, here's how to invest in profitable online mutual funds! |
Not a few people are still confused about how to invest in mutual funds online which is easy and can be profitable. That's what makes them hesitate to divert a few percent of their income to invest.
In addition, many of them think that investment is only for people with money. In fact, now there are types of investments that only need tens of thousands of rupiah. One of them is mutual funds.
Yes, mutual funds are investment instruments that can generate large profits and minimal capital. Not only that, the way mutual fund investments work is not as complicated as other instruments, such as stock investment for example. Why?
If you invest in direct stocks, you as an investor must regularly monitor market price movements, the goal is to know when to buy and sell right. You see, this is the key to successful stock investment.
If you make the wrong decision, you will risk bankruptcy. Therefore, before diving into the world of stocks, you must really understand how stock investing works.
Meanwhile, this does not apply to mutual fund investments. You see, the funds you have will be managed by a professional investment manager.
So, this investment instrument is perfect for novice investors, because you don't have to worry about managing your investment funds.
In addition, mutual fund investment can also be started with a cheap budget, but the profits can make you rich. In fact, the returns are higher than deposits.
Although the method of investing in mutual funds is fairly easy and generates large profits, unfortunately, there are still a few people who are reluctant to invest in mutual funds for a myriad of reasons. One of them is because they don't have time to visit a securities provider company (mutual fund).
However, now there are many asset management companies that offer mutual fund investments online. So, you just need to open an investment manager site, choose the type of mutual fund, transfer some funds and become an investor. Easy isn't it?
Well, for those of you who are interested in choosing an online mutual fund investment method. Come on, see the review below.
What is an online mutual fund?
Online mutual funds are one of the solutions that many people choose to invest in without the hassle of leaving the house. Unfortunately, not a few people don't know how to invest in mutual funds online, which is quite easy.
As explained above, you only need to surf the internet and you can invest. Although it is fairly easy, there are still many people who do not know how to invest in mutual funds online.
In fact, quite easy really, first of all, you just need to register yourself on the website investment managers. So, in order for your investment to get the maximum profit, you should join the mutual fund auto-debit program.
The reason is, consistent top-up funds are one of the important factors to generate abundant cash. You see, the greater the funds disbursed, the greater the return obtained.
How to register mutual funds online
To start investing in mutual funds online, you can directly register through the official website of the investment management company you want. Generally, you will be asked to fill out a registration form and upload several documents such as an ID card and NPWP.
You can follow step by step as directed by the company. For example, verifying email or entering a verification code sent via phone number.
When it comes to the benefits of mutual fund investment, experts suggest that investors deposit funds every month with the same nominal amount so that their investment goals can be realized.
Also Read: 5 Short-Term Investments, Make Big Profits in a Short Time!
Well, one solution that you can do is to follow the mutual fund auto-debit facility. For more details see below.
Mutual fund auto-debit
Auto debit is a facility that offers automatic withdrawal of funds with an agreed amount and time. No need to worry, the new auto-debit will run when an agreement has been reached between the two parties, namely the customer and the investment manager.
So, you don't have to bother with transferring funds when you want to top up every month. In addition, if the balance in the main drawing account is insufficient, it is not considered a debt.
That's why you don't need to hesitate to join the mutual fund auto-debit facility. Please note, mutual fund auto-debit does not burden customers with having to top up funds every month.
Therefore, if you cannot top-up funds because there is an urgent need this month, you can still invest in the following month. So you don't have to worry about your investment funds just disappearing when you don't top up your funds.
Online mutual fund profit calculation
Ana works in a private company with a monthly salary of Rp. 10 million. What is the range of the amount of investment Ana must spend each month?
If you follow the 50/20/30 money management theory popularized by Elizabeth Warren, who is a professor at Harvard University as well as a financial expert, here are the details of managing finances:
- 50 percent, diverted for basic needs, such as installments to daily living expenses.
- 20 percent, diverted to saving and investing.
- 30 percent, diverted for lifestyle needs, such as shopping to hanging out in cafes.
So, Ana has to set aside Rp. 1 million every month for investment. In order for the investment goals to run smoothly, Ana is advised to take part in the auto-debit facility.
Also Read: How to Invest for Beginners, Recommendations, and Simulation Profits!
The following is a simulation of Ana's profit if she chooses a short-term money market mutual fund, which is for one year with a nominal investment of Rp. 1 million.
IDR 1 million X 12 months = IDR 12 million.
According to Bareksa, the return of money market mutual funds within one year is 7.58 percent.
So, the yield that Ana gets is IDR 12 million X 7.58 percent = IDR 909,600. So, Ana has Rp. 12,909,600.
In addition to diverting wealth into an investment, you can also jump into the business sector so that your money will multiply. So, so that your business grows, you can take advantage of the funding program from Pintek to get business capital assistance.
One of the Pintek loan products that you can choose is PO/Invoice Funding. You only need to guarantee an ongoing bill from the customer and the money will be transferred directly to the principal.
Through this program, business owners can use the funding to fulfill orders from educational institutions such as the procurement of stationery, books, laptops, and so on.
You can get a loan of up to billions of rupiah with effective interest ranging from 1.5 percent to 2.5 percent and a loan tenor of up to six months or following the invoice due date.
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