5 Benefits of Mutual Funds as an Investment Instrument for Beginners

Today, investment has become a necessity. With a similar concept as saving, investment requires us to set aside money and put it in investment instruments, which now come in many types. One of the most discussed investment instruments is mutual funds. This investment instrument is suitable for beginners who are just starting to invest.

Are you one of those people who just started investing? If so, there's nothing wrong with trying mutual funds as your first investment instrument. Find out what investing and mutual funds are like by reading the following explanation!

What is Mutual Fund?
Mutual funds are one of the investment instruments that are suitable for beginners. This instrument uses the services of an investment manager so that investment participants only need to think about how to set aside some money. You can invest in mutual funds with a relatively small amount, which is IDR 100,000.

Furthermore, you can invest in mutual funds without leaving your house. For example, in the PermataMobile X mobile banking application, you can invest whenever and wherever you are. It will save a lot of your time and energy. Apart from having an easy way to register for m banking, PermataMobile X is also easy to use, including for investing, even for those who do it for the first time.

There are various types of mutual funds. The four most popular types of mutual funds are money market, fixed income, mixed, and stock mutual funds. Each type of mutual fund has its risks and benefits. It's best not to put your money in just one basket but spread it evenly across every existing investment instrument.

Benefits of Mutual Funds
As explained above, mutual funds have several advantages as an investment instrument suitable for beginners. Here are five benefits of mutual funds that we have summarized.

• Does not Require a Large Initial Capital
  Investing in mutual funds does not require large capital, so anyone can try this investment instrument. The minimum amount needed to invest in mutual funds is IDR 100,000. It's really affordable, isn't it?
   
• Already Diversified
  The next advantage of the mutual fund is that it is already diversified. What does that mean? One unit of mutual funds owned by the investment manager will be invested in various instruments, ranging from stocks to bonds. So, by creating only one type of mutual fund, you can already put your money into multiple investments. Interesting, huh?
   
• The Investment Process is Very Easy
  Mutual fund investment is easy because now many have provided this investment facility on their platform. One application that offers mutual fund investment facilities is PermataMobile X. This mobile banking owned by PermataBank offers hundreds of features, ranging from savings, current accounts, credit cards, loans, QR-Pay, to investments. From only IDR 100,000, you can start investing anytime and anywhere with the PermataMobile X mobile banking application.
  Activate your PermataMobile X mobile banking immediately and start investing without leaving the house. For those of you who don't have the PermataMobile X application, don't worry because at the end of this article, there will be information on how to register for PermataBank m banking.
   
• Managed by Investment Manager
  As explained above, the investment manager will manage your money invested in mutual fund investment instruments. Your investment is guaranteed safe and generates good profits. It certainly makes it easier for you as a beginner who does not understand how to buy and sell stocks and analyze the market independently. The risk of experiencing losses is also lower.
   
• Withdrawing is Relatively Easy
  Another advantage of mutual funds is that the disbursement process is relatively easy. To withdraw your mutual fund unit, you only need to resell it. The money from the sale will automatically be credited to your account. The time required to disburse the funds is approximately two days. So, you don't have to wait long to reap what you have sown.

 
Those are the five benefits of investing in mutual funds. Make sure you use cold money to invest. Of course, don't forget to use the PermataMobile X mobile banking application from PermataBank to make your investment transactions easier anytime and anywhere.
PermataMobile X is the flagship mobile banking application from PermataBank with hundreds of features to simplify your banking transactions. For those of you who don't have PermataMobile X, download it via the App Store or Play Store and follow the steps below to register for PermataMobile X banking:

• Open the app, select 'Start' 
• If you already have a PermataBank account, select "Yes" to the question "Do you have a PermataBank account?"
• Vice versa, select "No" to the question "Do you have a PermataBank account?" You will be directed to PermataStore to open an account first
• Select "No" on the question "Do you have a PermataMobile X user ID?"
• Choose whether you want to register using an account number or a credit card
• Follow the following instructions until it's finished, and your user ID will be ready