Online shopping is increasingly popular with the public. Online shopping transactions are practical, fast and secure. Now any shopping can be done online, ranging from shopping clothes, cosmetics, gadgets, electronic goods to food. Investing can also be done online thanks to the rapid development of information technology and the internet, investing becomes easier.
In recent years, online investment is becoming popular because it is practical and safe. You can shop for investment products online anywhere and anytime. One of the capital market investment products that you can buy online is equity funds. Equity funds are capital market investment products that are safe, affordable, minimized risks and have better returns than banking investment products such as savings and time deposits.
You can invest online equity funds through money market. A special place to sell a variety of equity fund investment products online, safely and reliably. Just like any other online shopping, you can make investment transactions anytime and anywhere through desktop, laptop, tablet, or smartphone. Check out the tips of safe online shopping equity fund tips:
1. Understand Investment Fund Product Equity Fund
The first thing that you must understand before shopping for investment products online is to understand the product you want to buy. Especially for beginners, you who have never invested at all. Understand the investment product that you will buy it is important to avoid the fake investment trap.
Special equity funds, before you shop online, you need to know about equity funds. According to Capital Market Law Number 8 Year 1995 article 1 paragraph (27), Equity Fund is a container used to collect funds from the investor community which is subsequently invested in Securities portfolio (capital market investment instruments in the form of Money Market Securities, Debt Securities or Securities Shares) by an Investment Manager who has obtained a business license from the Financial Services Authority (OJK).
The benefits of equity funds are manage by an Investment Manager (MI) professional who has special expertise in fund management. The Investment Manager will help you research. Analyze and monitor the price of securities to provide a portfolio of equity fund reports for you. Another advantage, equity funds is an investment that can be purchase with an affordable price. You can start investing with a capital of Rp100.000, – to buy online equity funds.
Tips: Read the equity fund prospectus before you invest, the subscription / purchase must be based on the latest prospectus. Understand, equity funds are capital market products, not bank products, so it is not guarantee by the bank and is not include in the scope of the object of the government guarantee program or deposit guarantee. Investors must read the prospectus and understand the risks of the equity fund before making an investment decision.
2. Understand the Type and How Equity Fund for Online Shopping Works
After understanding the fundamentals about equity funds, you should also understand the type, purpose and duration of your investment. equity Funds consist of several types based on assets under management, including equity funds, fixed income equity funds / bonds, balanced equity funds and money market funds.
At the start of buying Equity Funds, you as an investor will receive an investment unit calculated based on the amount purchased and the value of NAV (Net Asset Value) per current unit. NAV is the amount of funds manage in a equity fund. NAV or price per unit is one indication to monitor equity fund performance. The development of your equity fund can be observe from the percentage change of NAV. Generally, NAB is calculate base on the market closing price of the underlying asset.
Choose the type of equity fund that suits your investment objectives. Each type of equity fund has its own character and superiority, adjust your investment choices with your investment profile. In addition, you can also diversify so that the results obtained can be maximized investment.
- Equity fund is an investment choice suitable for long-term investment (above 5 years) because it can provide high yield with low initial funding requirement.
- Mixed funds are suitable for medium-term investments (between 3-5 years), and generally provide higher growth than bond equity funds, with lower volatility levels than equity funds.
- Fixed-income equity funds / bonds are suitable for medium-term investments (1-3 years) because they provide higher returns than interest rates on the money market.
- Money market funds are suitable for short-term investments (under 1 year). These equity funds place investments in short-term debt securities such as certificates of deposit, commercial paper, and SBI.
3. Understand How to Online Shopping Equity Funds
Buying equity funds online is easy, practical, safe and affordable – initial deposit of investment starts from Rp100.000, -. Currently there are only a few choices of places that offer equity fund purchases online.