Eid al-Fitr is over, and after a time filled with togetherness and volatile spending, now is the perfect time to start planning your finances wisely.
For those of you looking to grow your funds with relatively moderate risk and medium-term investment goals, Makmur.id’s fixed-income mutual funds could be a worthy option.
Investing doesn’t have to be complicated or require large capital. You simply need to choose an instrument that aligns with your financial goals, time horizon, and risk profile. Let’s discuss in detail why Makmur.id’s fixed-income mutual funds could be a smart solution for you!
What Are Fixed-Income Mutual Funds?
Fixed-income mutual funds are a type of mutual fund that invests primarily in debt securities or bonds, issued by both the government and private companies. Typically, bonds in this type of mutual fund account for around 80% of the total managed funds.
This instrument is suitable for those of you who want:
- Higher returns than savings or time deposits
- Lower risk than stocks
- Medium-term investments (around 1 to 3 years)
- Fixed-income mutual funds are very popular among beginner to intermediate investors due to their relatively stable nature and attractive potential returns.
Why Choose Makmur.id?
Makmur.id is a digital investment platform registered with and supervised by the Financial Services Authority (OJK). On this platform, you can find a variety of investment products, including fixed-income mutual funds.
Here are some of Makmur.id’s advantages that you might consider:
1. Easy and Fast Access
Through the Makmur.id application, you can start investing anytime and anywhere. Registration can be done digitally without the need to visit a physical office. The transaction process is fast and transparent.
2. Affordable Investment Costs
You don’t need a large amount of capital to start investing. Fixed-income mutual funds at Makmur.id can be purchased starting from a small amount, making them suitable for those who want to try before investing larger sums.
3. Curated Product Selection
Makmur.id provides a variety of mutual fund products from well-known investment managers. Each product has gone through a curation process to ensure the quality and track record of its investment managers.
4. Financial Planning Feature
Makmur.id has a financial planning feature that helps you calculate your future funding needs. You can plan your medium-term goals, such as your child’s education fund or a family vacation, more systematically.
Advantages of Investing in Fixed-Income Mutual Funds
Fixed-income mutual funds have several advantages that make them attractive to investors, especially for medium-term needs. Here are some of the benefits:
1. Potential for More Stable Returns
Compared to equity mutual funds, fixed-income mutual funds tend to be more stable because the majority of their assets consist of bonds. This is suitable for those of you who want fairly certain fund growth over the next few years.
2. Risk Diversification
By purchasing one fixed-income mutual fund product, you automatically have a diversified portfolio, because the investment manager manages the funds across various debt instruments from various parties.
3. Managed by Professionals
You don’t need to bother with in-depth market analysis, because your funds are managed by experienced investment managers. They will monitor and adjust their strategies to suit market conditions.
4. High Liquidity
Fixed-income mutual funds are liquid, meaning you can withdraw funds at any time as needed. This is an added advantage compared to products like time deposits, which have a fixed term and incur penalties if withdrawn before maturity.
The Right Time to Start
After Eid al-Fitr, many of you may begin to evaluate your financial situation. This can be a good starting point to start investing, especially if you have excess funds from your holiday allowance or unused budget.
Instead of just keeping those funds in a regular savings account, why not use them to invest and generate potential profits? By choosing Makmur.id’s fixed-income mutual funds, you can start investing in a more planned and risk-free manner.
Tips Before Investing
Before you start, it’s a good idea to consider the following:
Know Your Risk Profile
Make sure you understand your risk tolerance. Fixed-income mutual funds are safer than stocks, but they can still fluctuate in value.
Define Your Financial Goals
Are you planning to fund your education, purchase a vehicle, or travel expenses? These goals will help you choose the right product.
Choose a Product According to Your Timeframe
Fixed-income mutual funds are suitable for the medium term. If you have needs within 1 to 3 years, this type is highly relevant.
Monitor Performance Regularly
Even though it’s managed by professionals, we still recommend monitoring your investment performance regularly through the Makmur.id app.
Makmur.id’s fixed-income mutual funds are a worthy choice for medium-term investments. With moderate risk, the potential for stable returns, and easy access through a digital platform, you can start investing without hassle.
There’s no need to wait until the end of the year to plan for your financial future. In fact, after Eid al-Fitr, when your financial situation has stabilized, is the ideal time to start. Don’t let your funds languish without any results.
Open the Makmur.id app now and start investing for a more secure and prosperous future.