Mutual Fund By Liiza Diana Mangzil

Mutual Fund
Mutual fund is a container and the pattern of fund management / capital for investors to invest in a set of investment instruments available in the market by buying mutual fund units . These funds are then managed by the Investment Manager ( MI ) to the investment portfolio , whether it be stocks , bonds , or money market securities / other security .
According to the Capital Market Law No. 8 of 1995 Article 1 , paragraph ( 27 ) : " Mutual fund is a container used to collect funds from the public Financier to be invested in a portfolio of securities by the Investment Manager . "
From the second definition above , there are three important elements in understanding the Fund :
1.    Mutual funds are a collection of funds and the owners ( investors ) .
2.    Invested in securities known as investment instruments .
3.    The mutual fund is managed by investment managers .
4.    The mutual fund is a medium-term instruments and display
On mutual funds , investment management manages the funds placed in securities and realized gains or losses and dividends or interest received dibukukannya into the " Net Asset Value " ( NAV) of the fund .
Wealth fund managed by the investment manager is obliged to be stored in the custodian bank that is not affiliated with the investment manager , which is the custodian bank will act as a collective daycare and administrators .
Types of Mutual Funds
1.    Mutual Fund Shares .
Equity funds are mutual funds that invest at least 80 % of the portfolio under management in equity securities ( stocks ) . Effect stock usually provides a higher yield potential in the form of capital gains through growth in stock prices and dividends . Equity funds providing growth potential for the greatest value of the investment as well as risikonnya .
2.    Mixed mutual funds .
A mix of mutual funds are mutual funds that invest in equity securities and debt securities that are not included in the comparison category fixed-income funds and equity funds . Potential outcomes and risks of mutual funds mixture could theoretically be greater than fixed income funds but smaller than a stock mutual fund .
3.    Mutual funds Fixed Income .
Fixed income funds are mutual funds that invest malakukan at least 80 % of the portfolio under management to the debt securities . Higher investment risk than money market mutual funds create value for this type of return is higher but still lower than a mix of mutual funds or stocks .
4.    Money Market Mutual Funds .
Money market funds are mutual funds that invest 100 % in money market securities are debt securities with a maturity of less than one year . Money market funds are mutual funds that have the lowest risk , but also provide a limited return .

In fact mutual funds are the safest way for potential investors who are new to the stock and capital markets issues because that would run their capital is an investment manager .
There is the potential for businesses to prepare plans you money in the future well so as not to regret in the old days.

REFERENSI:
1.    Mutual Information Center Bapepam
2.    Table Mutual Fund
3.    PortalReksadana.com , Media Education and Mutual Fund Performance Information
4.    Samuel Securities Indonesia , Member of Indonesia Stock Exchange