3 Jenis Transaksi dalam Investasi Reksadana
- Transaksi Jual (Redemption)
- Transaksi Beli (Subscription)
- Transaksi Pengalihan (Switching)
Tips Mengoptimalkan Investasi Reksadana
- Tingkatkan Pengetahuan
- Tingkatkan Pengalaman
- Pilih Produk yang Sesuai Kebutuhan
- Minimalisir Biaya Investasi
Capai Tujuan Investasi Anda Bersama Mitra Tepercaya DBS Treasures
When investing in instruments such as Mutual Funds, you need to pay attention to many aspects—starting from risk profile, portfolio management strategy, to the types of transactions that can be carried out. Speaking of transactions in Mutual Fund investment, there are generally three types you should know.
When making transactions, always do them carefully. Consider thoroughly before proceeding so that the results can provide potential returns for your investment.
Here is a complete discussion of the types of transactions in Mutual Fund investment.
3 Types of Transactions in Mutual Fund Investment
Before discussing tips on how to optimize investment, it is better to first understand the kinds of transactions that can be carried out.
What types of transactions can you make so your Mutual Fund investment generates maximum profit? Generally, these are divided into three types: selling, buying, and switching.
To better understand each of these, let’s review them one by one.
- Redemption
The first is a sell or redemption transaction. As the name suggests, this transaction is carried out when you want to sell the units you already own.
Investors usually do this when they need cash or when their investment goals have been achieved.
It should be noted that once you sell your units, the funds are not immediately received in your account. Instead, you may need to wait up to seven working days after the transaction.
That is why it is very important to have an emergency fund available, instead of placing all your money into investments and having to wait days for redemption.
In addition, every transaction comes with a fee. For this type, the fee is usually called a redemption fee. The amount varies depending on the investment management company..
- Subscription
In addition to selling, there is also the buy (subscription) transaction. This can be further divided into three types: open account, top-up, and auto-debit.
Open account purchase, as the name implies, is done when opening a new account and allocating funds into Mutual Fund units. Top-up purchase occurs when you want to add more funds to an existing Mutual Fund investment. Be sure to understand the required minimum top-up amount. Auto-debit purchase automatically deducts funds from your savings to top up your Mutual Fund units. This helps investors who tend to forget to make regular contributions.
It is also important to note that there is usually a minimum amount required to buy units, depending on each investment management company.
- Switching
The next transaction that can help optimize your investment is switching. This transaction allows you to shift your investment without having to go through redemption first.
Switching can only be done as long as it remains under the same investment management company and in the same currency.
You can choose switching instead of redemption if you don’t need the cash immediately but want to move into another Mutual Fund product.
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Tips to Optimize Mutual Fund Investment
After understanding the types of transactions, the next step is to learn tips that can help you maximize your investment.
Here are some tips to consider:
- Increase Your Knowledge
To optimize investment, you need to study extensively as preparation. Start by learning the fundamentals of Mutual Funds in depth—concepts, types, how they work, and so on.
With sufficient knowledge, you know what to expect. Increasing knowledge can also be done by discussing with other investors, not just reading online sources.
- Build Your Experience
Aside from theoretical knowledge, hands-on experience will help you become more skilled in optimizing investments.
The lessons you learn throughout your investment journey are valuable and lasting. They become important takeaways for you as an investor. Therefore, start investing now if you are ready.
- Choose Products That Suit Your Needs
Your investment will be more optimal if you select products that match your needs. With clear investment goals, you can choose the right products to help you reach your target returns.
- Minimize Investment Costs
As mentioned earlier, every transaction involves fees—such as redemption fees, subscription fees, and switching fees.
To maximize returns, it is advisable to choose products with lower costs. This way, you won’t be burdened excessively by fees.
Achieve Your Investment Goals with Trusted Partner DBS Treasures
To reach your investment goals, you need a solid strategy—including the types of transactions you make.
From the discussion above, we know that the most common transactions to optimize Mutual Fund investment are redemption, subscription, and switching.
Optimization can also be supported by increasing knowledge and experience, choosing suitable products, and minimizing costs.
It is equally important to choose the right partner. One trusted partner for Mutual Fund investment is DBS Treasures priority banking.
This institution provides investment management by experienced professionals who are skilled in optimizing product performance. You can also reduce risk through asset diversification.
For beginners, there is no need to worry—you can benefit from insights and guidance provided by financial experts, including market analysis and the latest opportunities.
To make transactions easier, the DBS digibank app supports you in buying, selling, switching, and even registering for SID (Single Investor Identification).
You will also benefit from curated market analysis from financial experts, who communicate timely opportunities tailored to your risk profile and portfolio needs, powered by Artificial Intelligence/Machine Learning (AI-ML). These insights are complemented by curated solutions in both investment (Grow) and insurance (Protect), enabling you to invest quickly and confidently through your preferred channels.
If you are ready to start investing with DBS Treasures priority banking, you can find out the requirements and procedures by clicking here.
To reach your investment goals, you need a solid strategy—including the types of transactions you make.
From the discussion above, we know that the most common transactions to optimize Mutual Fund investment are redemption, subscription, and switching.
Optimization can also be supported by increasing knowledge and experience, choosing suitable products, and minimizing costs.
It is equally important to choose the right partner. One trusted partner for Mutual Fund investment is DBS Treasures priority banking.
This institution provides investment management by experienced professionals who are skilled in optimizing product performance. You can also reduce risk through asset diversification.
For beginners, there is no need to worry—you can benefit from insights and guidance provided by financial experts, including market analysis and the latest opportunities.
To make transactions easier, the DBS digibank Application supports you in buying, selling, switching, and even registering for SID (Single Investor Identification).
You will also benefit from curated market analysis from financial experts, who communicate timely opportunities tailored to your risk profile and portfolio needs, powered by Artificial Intelligence/Machine Learning (AI-ML). These insights are complemented by curated solutions in both investment (Grow) and insurance (Protect), enabling you to invest quickly and confidently through your preferred channels.
If you are ready to start investing with DBS Treasures priority banking, you can find out the requirements and procedures by clicking here.
