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Minggu, 25 November 2007

What is the Reksadana ?

Reksadana is the place of used to muster fund from society henceforth invested in effect portofolio by invesment manager.

As according to capital market laws, Reksadan can be mustered in the form of collective invesment contract.

Collective invesment contract is contract between Invesment Manager and obligatory Kustodian Bank hold unit and also Invesment Manager given authority to manage collective invesment portofolio.

Kustodian Bank is a public bank getting which have permission of BAPEPAM - LK to carry out business activity such of saving service of other assets and share, including accepting devident, interest accommodation, finishing share transaction and deputize account owner becoming its client.

Reksadana is in form of collective invesment contract muster fund by publishing unit and also to investor society and this fund invested in various types in capital market or in money market.

According to regulation of BAPEPAM number IV B1, enclosure decision of BAPEPAM number Kep-03/Pm/2004 chief of is date of 9 februari 2004, Reksadana which in form of collective invesment contract can only conduct sale and purchasing to the :

Share which have been sold in public offer and registered by domestic stock market and or abroad.

Domestic money market instrument which have fall due less than one year

Domestic commercial marketable securities which fall due less than three year


Benefits of having invesment into reksadana

Reksadana managed professionally by Invesment Management Team who owning wide of stocks market information.

Simple in reporting of special Iease status and Iease

Amenity of administration

Reksadana is included in invesment which is liquid. Payment to the sale return unit is also conducted as soon as possible, not more than seven work day after redemption form accepted by Invesment Manager.

Reksadana invesment categorized in invesment item with have low risk storey level.

Selasa, 13 November 2007

How to Invest on Reksadana Mutual Fund

I believe most of us in Indonesia know about Reksadana Mutual Fund. As far as I concern we get this world when we are studying on faculty or in academy. Unfortunelly, most of us do not know the advantage of spending money on Reksadana Mutual Fund, or maybe many of us do not know how to invest on Reksadana Mutual Fund.

Well, today I will try to share my experience about how to spend money on Reksadana Mutual Fund and gaining a high profit from this invest. At first, you can search on google, yahoo, or any search engine find Reksadana Mutual Fund. And than, you can pick on one of Asset Management Factory Website that establish some Reksadana Mutual Fund instrument.

For example, base on my experiences I surf on www.reksadana-manulife.com. On many Asset Management Factory we can get a lot of instruction how to spend a money by buying some Reksadana Mutual Fund. Normally, on the first skin of this web, we can learn about what is Reksadana Mutual Fund ?. at the second skin, it usually describe about many items of product investment that are offer to us.

Investment item product usually define on 4 category : Reksadana Balanced Fund, Reksadana Equity Fund, Reksadana Money Market Fund and Reksadana Bond Fund. Don’t worry, Reksadana Mutual Fund is different with playing index on equity exchange and currency. We are going to be investor by buying Reksadana Mutual Fund and our money will spending by Investment Manager on every fiscal instrument for gaining some profit. If the Investment Manager win a profit we will get a sharring, but if the investment manager loose, we will get a loose sharing too.

A high return will follows by a high risk and a low return will follows by a low risk too. If you want get a high profit you have to prepare for a high risk, you can buy a Reksadana Equity Fund. On the Reksadana Equity Fund, Investment Manager spend our money by buying some blue chip equity. But if you want play save you can take a Reksadana Bond Fund. Investment Manager spend money from Reksadana Fixed Profit Investment on the portofolio, obligation, and right issues.

How much money we can offer on Reksadana Mutual Fund ? It could be one of the important question between us who want to enter on this investment. The answer is unbelieveable. Minimum share for buying any Reksadana Mutual Fund only Rp100.000,- or +/- USD12.

Return/Profit that we will get is on variative scale, if we put our spending on Reksadana Equity Fund, we can reach profit on arrange 40% untill 100% per annual but don’t forget with the high risk. Reksadana Bond Fund can offer profit on arrange 10% untill 25% per annual. On Reksadana Money Market Fund, I suggest not to take it because it offer profit less than 10% and the last Reksadana Balanced Fund usually offer profit from 25% untul 50% per annual.

You should have a tactic for buying a Reksadana Mutual Fund, I usually buy a Reksadana, when the NAV going down. Oh ya I almost forget, on Reksadana Mutual Fund Instrument, we will learn about NAV (Nominal Added Value). The NAV is a price of one unit Reksadana Investment. For Example, I spend Rp2000.000,- for Reksadana Equity Fund (1 unit = Rp.1342,25), on the confirmation statement write down “I buy Reksadana Equity Investement Rp2.000.000,- or in subscription (unit) 1490.03539.

We usually suggested by Asset Management Factory officer fill in the subscription form and than transfer our money to the Asset Management Factory account on Custodian Bank. Custodian Bank is Bank that selected by Asset Management Factory to help make account for place of fund from investors. On Reksadana Mutual Fund mostly do not take a fee for our transaction, just a several give a fee +/- 1,25% from our buying the Fund. I suggest buy Reksadana Mutual Fund that does not take a salles fees.

The Last, how to take a profit or how to sell it again ? well, Reksadana Mutual Fund is a kind of liquid investment, we can sell in any time to Asset Management Factory. The Asset Management Factory have to buy our Reksadana Mutual Fund. They ussually take redemption fee +/- 1.25% from our first spending. But if we have Reksadana Mutual Fund more than 1 year long, we do not have to pay redemption fee. The Asset Management Factory will transfer our money on our account for 4 – 5 days next.

Ok back to the path, after we know the adventage for Reksadana Mutual Fund clearly, why don’t we try this investment model, I hope all of you can reach a high profit from your investment, but remember a high return always follows by a high risk, so invest it by carefully.

Senin, 12 November 2007

High Return Low Risk

Almost on every investment, rule of high return high risk is always available. That's why most of us shuld think more and more before taking a high risk for available for geting a high return. Spesially today, when the macro economic on a humble condition, not many of us have a guts to invest their money on many investment baskets such of share, bonds, mutual fund or any investment instrument.

As usual we will spend our money on safety instrument such of deposit, gold, land or saving. Even that instrument could give a little amount of profit, it still going to be a favourite saving instrument. In original condition, somebody who have a lot of money is only a little part of whole people community.

For many of us who have a little money still have a chance for getting much opportunity for gaining a profit. Many ways for getting money can be detected in arround of us like MLM (Multi Level Marketing), MGM (Member Get Member), Insurance Marketing and ext.

We consider most of this way have a difficulty for reaching a lot of money, only a few member can success and the other is gong to be a looser. So, what's should we do for getting a lot of money with a little cost ?

That's the point, how to get a high return with a low risk. Most of this opportunity appears in front of ourselves but we didn't recognize it. This opportunity always show up in internet, .... waht's that ?

It's on Google. As far as i know, most of internet user apply the google search engine for searching our object. As you know, not only for searching, google is also for fund rising. We can use the fund rising program on google adsense. This application show us step by step how to make cooperation between us and google.

By using google adsense program on our website, Google have your permition to estabish some advertising by Google Ads in our website. Google administration will give some money to us if the advertising click by some passanger who visit our website. This money come from google which share some profit with us from any advertising that hits.

Google have a strike rule, they will warn you if you have an illegal clicking this advertising by yourself. So be fair and wait your bait to earn money.