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In practice, the investment manager does not wait for investors to enter the money first before they buy investment products, but reversed. They used to buy investment products, and new investment is sold to investors.
How? Okay, first of all, the investment manager (which publishes Mutual Funds) will invite a number of parties to become a sponsor / promoter (the funds). Sponsor of this fund will be large enough, which will be allocated to a number of investment products.
For example, we only misalkan total funds obtained from the sponsor is Rp 1 trillion. Of funds that, by the Company Mutual Fund (the team through its investment manager) will dibelikan a number of investments, such as dibelikan a number of deposits in various banks, with a period of one month. Examples such as Table 1.
After that, the Company Mutual Fund will divide the investment into a small fraction-fraction, which is called by the name of inclusion Unit (UP), where each will be worth Rp UP 1000. So that the total investment of Rp 1 trillion worth of examplizeing as above will be up as much as Rp 1 trillion, Rp 1 billion = 1000 UP.
Nah, this is the UP that will be published and sold to the public. Thus, the investment made by investors is to buy up that way. For uniform, then the UP Mutual Fund was originally sold with the price is always the beginning of Rp 1,000. In this case, the price or value of UP is also called the Net Asset Value (nab).
Number of UP that the investor is different, there are only 100 to buy up, but there also are buying 1000, 5000, 10,000 or even UP. All that depends on the funds of each investor. In addition, investors should also pay commissions to the Company Mutual Fund, which is usually a maximum of about 0.75% to 3% of the total investment. For example, if you buy the 1000 total up the price of Rp 1,000,000, then you should add about Rp 7,500 to Rp 30,000 to commission the investment manager.
In the world of mutual funds, commissions for the investment manager is often called by the name of "cost of sales." This is because the commission should you pay when you buy it up for sale.
Furthermore, because the mutual funds to be allocated in the Deposit 1 month, then after 1 month of course, there will be interest deposits acquired, so that the result of UP nab you will go up. In the above example, we misalkan that each deposit interest rate will give the same (although in reality will be different), as an example table 2.
According to this example, the value of the UP was bought at Rp 1,000, after one month has been increased to Rp 1010. This means that in 1 month, the owner UP (investors) have to get nab increase of 1% per month.
In fact, the changes nab a mutual fund depends on the investment instruments selected team of investment managers. If they choose the deposit of instruments of investment products, mutual funds nab it will continue to rise and may not decrease. This is because the nature of deposits that provide benefits such as interest, so that it will continue to increase the value of mutual fund assets.
But there are also mutual funds that invest in specific stocks. Stocks, unlike deposits, which have the possibility of benefit is uncertain. Can be increased, can also go down. Therefore, the value UP in stock mutual funds have the possibility to increase and also to go down. UP was that you buy at Rp 1,000, for example, can only be Rp 900 in one month later because of stock-stock is selected by the investment manager's value down. On the other hand, if the stock value increase, large increase can be greater than the deposit. That is, this type of mutual fund called the name of mutual funds with income growth.
Other mutual funds that have invested in bonds (IOU), and also have to invest in a combination of two or more investment instruments, such as joint stock and bonds, or bonds and deposits.
So, before buying a mutual fund, on the Ask the seller or the mutual funds see first prospektusnya (explanation) so that you know the type of mutual funds if you want to buy. What are mutual funds that allocate investment in stocks, bonds, deposits, or a combination of two or three investment instruments.
Selling Mutual Fund Return You Already Have
After some time, you can sell back up you have to your company's mutual funds. Types of mutual funds in which you can sell back up to your company name with the publisher called Open Mutual Funds (open end mutual fund). Opponents of the Mutual Funds Mutual Funds Open is Closed (closed end mutual fund). Mutual Funds Closed is the type of mutual funds in which you can not sell that you have up to publisher, but you can only sell them to other investors, and the sale must be made through the exchange.
For Mutual Funds Open, if at any time you want to sell you up, you can sell them back to your publisher's mutual funds, mutual funds and companies are forbidden to deny the sales back up from its customers. This course will benefit you.
Conversely, in the Mutual Funds Closed, sales process back often because the barriers do not always have investors who want to buy your UP Mutual Funds. So in other words, UP's Mutual Funds Open more liquid from the UP in the Mutual Funds Closed.
Dalam program ini tersedia dana dengan jumlah tak terbatas yang berasal dari ribuan sumber sehingga memungkinan bagi siapa saja untuk mendaftar dan berpeluang mendapatkan dana hibah, tanpa syarat!
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