BONSERNEWS.com – The capital market has many promising investment instruments for investors. One of them is mutual funds.
In contrast to stocks, where investors independently manage their investments, mutual funds are an alternative that novice investors can choose. This is because there are investment managers who assist investors in managing their investments.
Like wanting to take a vacation out of town, investing in stocks means choosing to drive your own car to get to your vacation destination. While mutual funds mean letting a professional driver drive the car until it reaches its destination.
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So what is an investment manager (MI)? In simple terms, the general task of an investment manager is to select investment instruments as a mutual fund portfolio for its customers.
Therefore, the investment performance and success of investors’ mutual funds will be greatly influenced by the investment manager’s expertise in managing investor portfolios.
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Then, how do you choose the right investment manager so that mutual fund investments are even more profitable for novice investors? Summarized from various sources, here are the tips.
Pay Attention to Investment Manager Legality
The first and foremost for novice investors when choosing an investment manager is to ensure that the company is legal, which has been registered with the Financial Services Authority (OJK).
It should be remembered that all activities related to raising public funds to be managed in the capital market, of course, must first obtain approval from the OJK.
The names of investment management companies that have been registered with the OJK can be seen on the OJK website.
Adjust Investment Manager with Investor Risk Profile
Investors need to know their own risk profile before deciding to invest in the capital market. In general, risk profile from investors include conservatives (risk averse), moderate, and aggressive (risk takers).
If the investor belongs to the conservative category, then choose an investment manager whose fund management does not carry a large risk. Likewise, investors who are in the moderate and aggressive category must be adjusted to the risks managed by the investment manager.