Bagaimana Cara Memilih Reksadana Yang Baik?


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

41 thoughts on “Bagaimana Cara Memilih Reksadana Yang Baik?

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