Bagaimana Cara Memilih Reksadana Yang Baik?

Assalamu’alaikum.Wr.Wb

Sebelum menjelaskan lebih lanjut tentang bagaimana cara memilih reksadana yang baik, saya ingin mereview sedikit  tentang reksadana, reksadana merupakan wadah dana-dana dari masyarakat/investor  yang kemudian di investasikan oleh manajer investasi. Pada umumnya ada 4 jenis reksadana yang jelas ke empat reksadana tersebut berbeda beda di antaranya ada reksadana pasar uang, reksadana pendapatan tetap, reksadana campuran dan reksadana saham  yang masing masing mempunyai perbedaan dan imbal hasil yang berbeda. Lalu bagaimana cara memilih reksadana yang baik sesuai dengan imbal hasil yang kita ingin kan? Hal yang pertama yang harus anda ketahui adalah tujuan investasi anda, tujuan investasi jangka pendek atau investasi jangka Panjang, kalau anda memutuskan investasi jangka Panjang alangkah baiknya anda memilih reksadana saham karena reksadana saham memiliki fluktuasi yang sangat tinggi jadi jika anda hanya berinvestasi kurang dari 1 tahun kemungkinan anda akan rugi dikarenakan fluktuasi reksadana tersebut, dan reksadana saham ini juga bisa menghasilkan return 1-3% perbulan akan tetapi bisa juga mengalami kerugian sebnyak return tersebut (1-3%) per bulan, jika anda memutuskan berinvestasi dengan tempo kurang dari 1 tahun alangkah baiknya anda memilih reksadana pasar uang karena reksadana pasar uang tersebut biasanya memberikan keuntungan yang konsisten walaupun hanya 0,65% perbulan. Jadi itu tergantung anda sendiri. Lalu bagaimana cara memilih reksadana yg baik? Pada dasarnya indikator yang harus diperhatikan dalam memilih reksadana yang baik ada 4 yaitu

1.Asset under management ( AUM ) 

Asset under management  (AUM) merupakan dana kelolaan manager investasi tersebut jadi semakin besar AUM bisa di bilang reksadana tersebut bagus di karenakan banyak investor yang percaya kepada manager investasi tersebut sehingga AUM manager investasi tersebut menjadi besar. Bisannya AUM di atas 500 miliar termasuk AUM yang besar.

2.Cari tahu perbandingan antara return dan risiko

 Cari tahu lah rata-rata return yang dihasilkan reksadana tersebut jangan sampai risiko lebih besar dari pada return, misalkan rata-rata return reksadana tersebut 3% perbulan tetapi sekali nya rugi bisa mencapai -6% reksadana yang bagus adalah reksadana yang bisa menghasilkan return konsisten

3.Nilai Aktiva Bersih ( NAB ) yang bertumbuh secara konsisten

Carilah NAB yang bertumbuh secara konsisten, karena NAB reksadana yang bertumbuh secara konsisten itu menandakan manager investasi professional dalam mengolah dana sehingga NAB tersebut terus bertumbuh.

4.Besaran Biaya Investasi tersebut

hal yang ke empat merupakan biaya investasi tersebut jadi pada saat kita berinvestasi reksadana biasanya investor di kenakan fee beli dan fee jual oleh sang manajer investasi tersebut carilah fee yang benar benar murah kalau perlu cari yang gratis karena beberapa manger investasi juga ada lohh yang menyediakan fee beli dan fee jual gratis namun ada persyaratan tertentu, jadi anda juga harus memperhatikan hal tersebut .

Jadi  ke 4 point diatas itulah yang perlu diperhatikan ketika memilih reksadana yang baik, dan biasanya ada agen penjual yang menyediakan tool online yang sangat mudah untuk mencari tau ke empat point di atas. Dan kalau penulis sendiri menggunakan tool yang di sediakan oleh agen penjual bareksa untuk melihat kinerja reksadana yang baik karena sangat lengkap dan juga userfriendly.

Sekian Terimakasih wassalamu’alaikum Wr.Wb

 

Written By: Ahmad Ali Ramadhan

Staff Riset Hima AE 2017/2018

30 thoughts on “Bagaimana Cara Memilih Reksadana Yang Baik?

  1. I am really impressed with your writing skills as well as with the layout on your blog.

    Is this a paid theme or did you modify it yourself?
    Either way keep up the nice quality writing, it is rare to see a nice blog like this one nowadays.

    Reply

  2. I am really enjoying the theme/design of your site. Do you ever run into any browser compatibility problems?

    A number of my blog readers have complained about my site not operating correctly in Explorer but looks great in Safari.
    Do you have any recommendations to help fix this problem?

    Reply

  3. I always emailed this website post page to all my contacts, because if like to read it then my friends will too.

    Reply

  4. Have you ever thought about adding a little bit more than just your articles?
    I mean, what you say is fundamental and all. But think about if
    you added some great pictures or videos to give your posts more, “pop”!

    Your content is excellent but with images and videos, this website could certainly be one of the best
    in its niche. Excellent blog!

    Reply

  5. Hi! This post couldn’t be written any better! Reading
    this post reminds me of my old room mate! He always kept chatting about this.

    I will forward this post to him. Fairly certain he will have a good read.
    Thanks for sharing!

    Reply

  6. Thanks for the marvelous posting! I genuinely enjoyed reading it, you might be a great author.
    I will always bookmark your blog and will come back very
    soon. I want to encourage you continue your great job, have
    a nice evening!

    Reply

  7. What i do not realize is in fact how you’re
    now not actually a lot more neatly-favored than you may
    be right now. You’re very intelligent. You already know thus significantly in the case of this matter, produced me individually consider it
    from numerous varied angles. Its like women and men aren’t involved except it is one thing to do with Girl gaga!

    Your personal stuffs outstanding. Always handle it up!

    Reply

  8. I’m truly enjoying the design and layout of your blog.

    It’s a very easy on the eyes which makes it much more
    pleasant for me to come here and visit more often. Did you
    hire out a developer to create your theme? Superb work!

    Reply

  9. Hey there are using WordPress for your blog platform? I’m new to the blog world but I’m
    trying to get started and create my own. Do you require any html coding expertise to make your own blog?
    Any help would be greatly appreciated!

    Reply

  10. I have been surfing online more than 3 hours today, yet I
    never found any interesting article like yours.

    It is pretty worth enough for me. In my view, if all website owners and bloggers made good content as you did, the internet will be a lot more useful than ever
    before.

    Reply

  11. Hey there! I just wanted to ask if you ever have any issues with hackers?
    My last blog (wordpress) was hacked and I ended up losing a few months of hard work due to no data backup.
    Do you have any methods to prevent hackers?

    Reply

  12. hi!,I like your writing so a lot! percentage we communicate more
    about your article on AOL? I need an expert in this area to unravel my
    problem. Maybe that’s you! Taking a look ahead to
    peer you.

    Reply

  13. Hi! Quick question that’s totally off topic.
    Do you know how to make your site mobile friendly? My weblog looks weird when viewing from my iphone 4.
    I’m trying to find a template or plugin that might
    be able to fix this problem. If you have any recommendations, please share.
    Cheers!

    Reply

  14. I have been exploring for a little bit for any high-quality articles or blog
    posts in this kind of house . Exploring in Yahoo I finally stumbled upon this web site.
    Studying this info So i am happy to exhibit that I’ve a very just right uncanny feeling I came
    upon exactly what I needed. I such a lot undoubtedly will make certain to do not disregard this site and provides it a glance regularly.

    Reply

  15. Hi there every one, here every one is sharing these familiarity, so it’s
    good to read this webpage, and I used to pay a visit this blog everyday.

    Reply

  16. I’m not sure why but this web site is loading extremely slow for
    me. Is anyone else having this problem or is it a issue on my end?
    I’ll check back later on and see if the problem still exists.

    Reply

  17. This is really interesting, You are a very skilled blogger.
    I have joined your feed and look forward to seeking more of your wonderful post.
    Also, I have shared your web site in my social networks!

    Reply

  18. Good day! Would you mind if I share your blog with my facebook group?

    There’s a lot of people that I think would really enjoy your content.
    Please let me know. Cheers

    Reply

Leave a Reply

Your email address will not be published. Required fields are marked *