JENIS REKSADANA: Reksa Dana Pasar Uang, Pendapatan Tetap, Saham, dan Campuran
Summary
TLDRIn this video from the 'Ngomongin Uang' channel, Luna discusses mutual funds, covering their definition, types, benefits, and risks. She explains how mutual funds pool money from investors, managed by investment professionals. The video introduces different mutual fund types like money market, fixed income, equity, and mixed funds, highlighting their potential returns and associated risks. Luna also emphasizes the advantages of mutual funds such as capital gains, diversification, and liquidity. She ends by teasing a future video that will explore the risks of investing in mutual funds, including recent financial scandals.
Takeaways
- 💡 The channel 'Ngomongin Uang' is dedicated to discussing all things related to money and finance.
- 💰 Mutual funds (reksadana) are investment vehicles that pool money from investors and are managed by professional fund managers.
- 🛠️ There are several types of mutual funds: money market funds, fixed income funds, equity funds, and mixed funds, each with different risk and return profiles.
- 📉 Money market and fixed income funds are considered lower-risk, suitable for conservative investors.
- 📈 Equity and mixed mutual funds offer potentially higher returns but come with higher risks, following the principle 'high risk, high return.'
- 📊 Mutual fund returns can range from 5-10% for safer funds, but equity and mixed funds can provide returns in the double digits.
- 📅 Profits from mutual funds are not subject to taxes, unlike other investment vehicles.
- 🔄 Mutual funds offer diversification, spreading investments across various asset classes, reducing risk compared to investing in just one asset.
- 💸 Mutual funds can be purchased in smaller amounts (even as low as 10,000 IDR), making them more accessible than direct stock or bond investments.
- 🪙 Mutual funds are liquid, meaning they can be bought or sold at any time, unlike other investments like deposits or bonds, which may have lock-in periods.
Q & A
What is the main focus of the 'Ngomongin Uang' YouTube channel?
-The 'Ngomongin Uang' YouTube channel is focused on discussing everything related to money, including financial topics, investment strategies, and financial management.
What is a mutual fund (reksadana) as described in the video?
-A mutual fund (reksadana) is a financial vehicle where a pool of money from multiple investors is managed by a professional investment manager. The manager invests the funds into various financial instruments like deposits, bonds, or stocks.
What are the different types of mutual funds mentioned in the video?
-The video discusses four types of mutual funds: 1) Money Market Funds, 2) Fixed Income Funds, 3) Equity Funds, and 4) Mixed Funds.
What is the main characteristic of a money market mutual fund?
-A money market mutual fund mainly allocates its capital to short-term financial instruments like deposits, Bank Indonesia certificates, and bonds with maturities of less than one year.
Which mutual fund types are considered lower-risk according to the video?
-Money market funds and fixed income funds are considered lower-risk because they invest in safer instruments like bonds and deposits.
What is 'capital gain' in the context of mutual funds?
-Capital gain refers to the profit an investor makes when the unit price of the mutual fund increases between the time of purchase and the time of sale.
How do annual returns vary across different types of mutual funds?
-Money market and fixed income funds typically offer annual returns of 5-10%, while mixed funds and equity funds can offer much higher returns, potentially up to tens of percent annually, though they also carry higher risks.
Why is diversification a key benefit of mutual funds?
-Diversification spreads investment across various instruments, minimizing risk. Mutual funds allow even small investors to diversify, as they can invest in a range of assets such as stocks, bonds, and deposits, even with a modest investment.
How does the liquidity of mutual funds benefit investors?
-Mutual funds are highly liquid, meaning investors can buy or sell their funds at any time. This contrasts with other financial instruments like bonds, which often require waiting until maturity for redemption.
What topic will be discussed in the next video according to the speaker?
-The next video will cover the risks of investing in mutual funds, including rare but significant issues like default cases, price drops, and fund liquidation.
Outlines
📈 Introduction to Mutual Funds: Types and Overview
The speaker introduces the YouTube channel 'Ngomongin Uang,' which focuses on financial topics. In this episode, the speaker discusses mutual funds, explaining their definition and how they work. A mutual fund is a pool of money collected from investors, managed by an investment manager, and invested in various instruments. The speaker outlines the four main types of mutual funds: money market, fixed income, equity, and mixed mutual funds. Each type is explained with examples, such as money market mutual funds investing in short-term instruments like deposits, and fixed income funds focusing on bonds. The speaker highlights that investors can choose their preferred mutual fund type based on their risk tolerance. While investment managers handle the fund, the decision to invest remains with the investor.
💼 Benefits of Investing in Mutual Funds
The second part explains the advantages of investing in mutual funds, starting with capital gains, where investors can profit from the increase in the value of their mutual fund units. The speaker shares that money market and fixed-income funds typically offer a 5-10% annual return, while mixed and equity funds may yield higher returns but with greater risk. Other benefits include professional management by investment experts, reducing risk for individual investors, and diversification, which allows spreading money across multiple instruments. The speaker compares the ease of buying mutual funds, which can be done with small amounts, to purchasing other investments like stocks or bonds directly. Finally, mutual funds offer liquidity, enabling investors to withdraw their funds at any time, unlike certain other investment options that may have restrictions.
Mindmap
Keywords
💡Reksadana
💡Manajer Investasi
💡Reksadana Pasar Uang
💡Reksadana Pendapatan Tetap
💡Reksadana Saham
💡Diversifikasi
💡Capital Gain
💡Likuiditas
💡High Risk, High Return
💡Eceran
Highlights
Welcome to the 'Ngomongin Uang' channel, where we discuss all things related to money. Make sure to subscribe for new content.
This video will cover the basics of mutual funds, including their definition, types, benefits, and risks for new investors.
Mutual funds are a pool of funds from various investors managed by an investment manager, who invests in various instruments.
There are several types of mutual funds, each determined by where the money is invested, such as money market funds, fixed income funds, equity funds, and mixed funds.
Money market mutual funds primarily invest in short-term instruments like deposits, Bank Indonesia certificates, and bonds with maturities of less than one year.
Fixed income mutual funds allocate most of their funds to bonds or debt securities and are suitable for risk-averse investors due to relatively lower risks.
Equity mutual funds invest mostly in stocks, offering higher potential returns but with higher risks as well.
Mixed mutual funds invest in a combination of stocks, bonds, deposits, and other instruments, providing diversification.
Although mutual funds are managed by professionals, investors have the final say in choosing which type of mutual fund to invest in.
Capital gain is a key benefit of mutual funds, where investors profit from the difference in unit prices when buying and selling.
Returns for money market and fixed income funds range from 5-10% annually, while equity and mixed funds can yield higher returns, though with greater risk.
Mutual fund profits are not subject to taxes, providing a tax-free advantage for investors.
Diversification through mutual funds minimizes risk by spreading investments across various instruments like stocks, bonds, and deposits.
Mutual funds allow 'retail' purchases, meaning you can invest with relatively small amounts, starting from as low as IDR 10,000.
Mutual funds are highly liquid, meaning investors can sell their units at any time, unlike some other investment instruments with maturity periods.
Transcripts
halo semua, ketemu lg sama aku luna. selamat datang di channel ngomongin uang
sesuai namanya, channel ini kami bangun khusus untuk membicarakan segala hal yang berkaitan dengan uang
buat kamu yang tertarik untuk ngomongin uang
silakan subscribe channel ini supaya gak ketinggalan video2 baru dari kami
oke, kali ini aku mau bahas tentang reksadana nih
mulai dari definisi
sampai keuntungan dan resiko apa aja sih mungkin kita dapetin kalo kita berinvestasi di reksadana
semoga video ini bisa bermanfaat ya
khususnya buat kamu yang baru aja mau berinvestasi di reksadana
apa sih reksadana itu ?
jadi nih, reksadana itu wadah untuk ngumpulin dana investor nih
yang mana
sekumpulan dana tersebut tuh nantinya dikelola oleh manager investasi
dan diinvestasiin ke berbagai jenis instrument investasi yg tersedia
singkatnya sih
kamu dan segerombol investor lain tuh minta bantuan manajer investasi gitu
buat ngelola aset investasi kamu
hah, reksadana sendiri itu terdiri dari berbagai jenis nih
yang mana
jenis reksadana ini ditentuin oleh ke mana uang tsb diinvestasiin
apa aja sih jenis-jenis reksadana yang umumnya tersedia ?
kita bahas satu per satu ya
jenis yang pertama adalah reksadana pasar uang
ini tuh produk reksadana yang sebagian besar dana kelolaannya dialokasiin ke instrumen pasar uang nih
kayak deposito, sertifikat bank indonesia
atau obligasi yang masa jatuh temponya kurang dari satu taun
jadi nih
kalo kamu beli produk reksadana ini
manajer investasi yang bersangkutan tuh akan investasiin sebagian besar uang kamu ke deposito
sertifikat Bangk Indonesia
atau obligasi yang masa jatuh temponya kurang dari 1 tahun
jenis yang kedua adalah reksadana pendapatan
reksadana ini tuh ngalokasiin sebagian besar dana kelolaannya ke obligasi atau surat hutang
menurutku nih, kedua jenis reksadana tersebut tuh cocok banget nih buat investor yang mau 'main aman' aja
karena resikonya terbilang kecil gitu
bukan tanpa resiko ya, karena setiap investasi itu pasti punya resikonya masing2
jenis yang ketiga adalah reksadana saham
sesuai namanya nih
reksadana ini tuh nginvestasiin sebagian besar dana kelolaannya ke dalam bentuk saham gitu
yang terakhir adalah reksadana campuran
kalau kamu nih beli reksadana campuran
uang kamu tuh akan diinvestasiin ke obligasi, deposito, ataupun saham, sertifikat Bank Indonesia, dll
sesuai namanya, campuran
nah, tadi udah disebutin nih, beberapa jenis reksadana
walaupun nih
uang kamu tuh dikelola oleh seorang manajer investasi
tapi pada dasarnya kamu nih yang berhak milih untuk berinvestasi ke jenis reksadana apa
para manajer investasi itu bisa dibilang cuma meracik gitu yah
produk investasi reksadana
untuk dtawarin kepada para investor
atau mungkin ngasih rekomendasi gitu yah
tapi, keputusan investasinya tuh tetep ada di tangan kamu
oke...
sekarang kita coba bahas tentang keuntungan dan resiko reksadana
kita mulai dari keuntungan dulu ya
keuntungan yang pertama adalah capital gain
atau istilah gampangnya sih untung gitu
hal ini tuh terjadi
kalau nab/unit atau harga per unit reksadana yang kita punya tuh naik gitu
jadi nih
kita akan dapet keuntungan dari selisih harga perunit saat beli dan harga perunit saat kita jual
nah, untuk reksadana pasar uang dan pendapatan tetap
range return pertahunnya itu umumnya ada di 5 - 10%
sementara nih
untuk reksadana campuran dan saham
return pertahunnya tuh bisa sampai puluhan % gitu
tapi inget, high risk high return
meskipun reksadana campuran dan reksadana saham tuh bisa ngasih return sampai puluhan %
risikonya ya tinggi juga gitu ya
bisa rugi puluhan % juga
oya
keuntungan yang didapet dari reksadana ini tuh bukan objek pajak nih
jadi, keuntungan yg kamu dapet dari reksadana ini tuh ngak akan dipotong pajak lagi
keuntungan yang kedua
seperti yang udah disebutin sebelumnya nih
saat kita beli reksadana
uang kita tuh akan dikelola oleh manager investasi yang seharusnya tuh lebih ngerti gitu dan berpengalaman di dunia investasi
nah
karena reksadana ini dikelola orang yang profesional
bisa dibilang nih, risikonya relatif lebih kecil
dibandingkan dengan investasi mandiri oleh orang awam
yang pengetahuannya tuh terbatas gitu terkait instrumen investasi
keuntungan selanjutnya adalah diversifikasi
pernah denger tentang diversifikasi ngak ?
singkatnya nih
diversifikasi itu strategi berinvestasi dengan cara ngalokasiin dana ke beberapa instrumen investasi yang berbeda gitu
jadi ngak cuma nyimpen di satu instrumen investasi doang
tujuanya nih
salah satunya tuh untuk meminimalisir resiko
jadi gini
sebetulnya
produk investasi kaya saham, obligasi, sertifikat bank indonesia
sampai deposito tuh bisa kita beli sendiri gitu yah
katakanlah kita punya waktu nih, buat ngurusin aset investasi
kalau gitu, ngapain kita harus beli reksadana ?
kenapa kita ngak beli obligasi/sahamnya langsung aja
jadi gini
kalau kita masih punya keterbatasan dana ni, buat berinvestasi
salah satu kendala yang akan kita hadapi itu adalah diversifikasi gitu yah
intinya sih, kita tuh belum mampu nih
berinvestasi di beberapa instrumen investasi yg berbeda sekaligus
misalnya nih
kita punya uang 3.5 juta
itu tuh cuma cukup buat beli 1 lot saham bca
sementara nih
kalau kita beli reksadana senilai 3.5 juta
kita bisa punya saham bca, bri, bahkan obligasi, dan deposito sekaligus gitu
keuntungan yang keempat adalah bisa beli eceran
seperti yang udah kita tau nih
deposito itu kan ada minimum depositnya
misalnya bca
minimum depositnya tuh 8 juta
kalau mau dapet bunga deposito yang menarik
minimum depositnya tuh bisa miliaran gitu
obligasi juga sama
ada minimum pembelian
seringnya sih 1 juta rupiah
kalau mau beli saham
minimal belinya 100 lembar
nah... reksadana ini nih, bisa dibeli dengan 'eceran' dengan harga yang relatif murah
bahkan ada juga nih, platform yang nawarin investasi reksadana mulai dari 10.000 aja
nah, lengkap deh yah
diversifikasinya oke dan bisa dibeli eceran
keuntungan yang terakhir adalah likuid
singkatnya sih, reksadana dana ini tuh bisa diperjualbelikan kapanpun gitu
jadi kalo kamu mendadak butuh uang
reksadana kamu tuh bisa langsung kamu cairin
beda nih, sama deposito atau beberapa instrumen investasi lain yang punya tenggat waktu buat pencairannya
misalnya obligasi nih
yang sebagian produknya tuh ngak bisa langsung dicairin gitu aja
perlu nunggu waktu jatuh tempo ataupun masa early redemption buat cairinnya
oke deh...
tadi kan kita udah ngomongin nih, tentang keuntungan-keuntungan apa aja sih, yg mungkin kita dapetin kalau kita berinvestasi di reksadana
tapi inget
yang namanya investasi nih...
pasti ada risikonya juga
nah, resiko2 dalam berinvestasi reksadana tuh ngak akan aku bahas dulu nih, di video ini
tapi aku janji
aku akan bahas tentang ini secara khusus dan mendalam pada video selanjutnya
yang pasti nih
materi resiko dalam reksadana tuh, bakalan seru banget
karena ya jujur aja
jarang juga gitu, ada yang bahas topik risiko dalam investasi reksa dana
kebanyakan ya bahas keuntungan2nya doang gitu
nah, pada video selanjutnya
aku akan mengupas risiko berinvestasi reksadana yang jarang diketahui orang-orang awam
termasuk juga tentang beberapa skandal yang heboh banget belakangan ini
mulai dari reksa dana kena kasus gagal bayar
reksadana yang harga perunitnya turun puluhan persen dalam waktu singkat
sampai produk reksadana dilikuidasi oleh otoritas jasa keuangan
jadi pastiin aja nih, kamu subscribe channel ngomongin uang
karena akan ada ba...nyak banget topik seru seputar dunia keuangan yang bermanfaat buat kamu
oke deh, sampe ketemu lagi di video selanjutnya ya
tetap di channel ngomongin uang
karena ngomongin uang
ngak a...da habisnya!
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