Tips for choosing mutual funds for you who are beginners

2 Feb 2021 Written by: Redaksi OCBC NISP

How do you choose a mutual fund?

For those of you who are beginners and maybe still confused about the choice of mutual funds, there are several ways that can be observed. Most importantly, of course, the mutual fund must match your risk profile and your investment period ocbcnisp.com/jenis-dan-resiko-reksa-dana

After that, you can choose an investment manager whose performance has been proven historically. Where do we know this? Funds under management or Asset Under Management (AUM) is one thing that can be seen. The greater the AUM of the mutual funds under management, the greater the level of investor confidence in placing their funds in the mutual fund. You can see the AUM of a mutual fund in the fund factsheet which is updated every month

Then, don't forget to see how much it costs you to buy mutual funds, which in this case is called the expense ratio. To manage a mutual fund there are several costs, such as custodian fees, marketing fees, trading fees. The smaller the expense ratio, the more efficient and reliable the Investment Manager is in managing mutual funds.

Finally, you can do benchmarking, comparing mutual funds with benchmarks that are used as a reference. You can also see benchmarks for mutual funds in the fund factsheet. For example, you can compare the performance of equity funds with the JCI, or compare the performance of money market mutual funds with the deposit rate. Apart from benchmarks, you can also compare similar mutual funds from one investment manager to another.

Now, quickly access the One Mobile Mutual Fund feature, or contact the nearest OCBC NISP customer service!

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