Each year we celebrate the historic moment of Indonesia's independence on August 17. It is not only a celebration of the nation's freedom from colonialism, but also a reminder of the importance of independence in various aspects of life, including financial independence. Financial independence means having economic freedom and stability that allows us to fulfill our needs without worry.

Many people have long-term financial goals such as retirement funds, personal development costs, and children's school fees, but some of them only place funds in savings. Whereas there are other investment products that can support achieving the goal of financial independence. One of the investment instruments that can be considered is Mutual Funds. Mutual Funds are suitable for individuals who want to invest but have limited time and knowledge in managing their own investments. Thus, Mutual Funds provide a practical solution for anyone who wants to start investing easily and safely.

5 Advantages of Mutual Funds

To better understand why mutual funds are a good choice, let's look at some of the benefits, such as:

1. Low investment capital

One of the main advantages of mutual funds is the low initial capital. With affordable capital, you can try several types of mutual funds at once and also have more flexibility in managing investment risks.

2. Licensed and supervised by OJK

An important factor in investing in mutual funds is that they are licensed and supervised by the Financial Services Authority (OJK). This supervision ensures that your investment is well-managed and transparent, provides a sense of comfort for investors, and reduces the risk of fraud and unprofessional management.

3. Managed by Professionals

Mutual funds are managed by investment managers who have expertise and experience in managing investment portfolios. They are in charge of analyzing the market and making optimal investment decisions, so you can enjoy investment returns without having to spend a lot of time studying the market.

4. Easy and Flexible Investment

Convenience and flexibility are other aspects that make Mutual Funds attractive. Investing in Mutual Funds is now easier with applications such as M2U ID App (mobile banking) from Maybank Indonesia. This app allows you to buy, sell, switch and view the progress of your Mutual Fund investment anytime and anywhere. This flexibility makes investing more practical and affordable for everyone.

5. Not a Tax Object

Another advantage of investing in Mutual Funds is that the investment returns are not taxable. This means that you can enjoy your investment returns without having to think about the tax burden that is usually imposed on other types of investments, adding to the appeal of Mutual Funds as a product that you can try to start investing in.

Types of Mutual Funds

To maximize the benefits of investing in Mutual Funds, it is important for you to know the types of Mutual Funds available, such as:

1. Money Market Mutual Funds

First, there are money market mutual funds that invest all of their funds in money market instruments such as time deposits, Bank Indonesia certificates, and debt securities with maturities of less than one year. These funds are suitable for investors with a very conservative risk profile and require high liquidity.

2. Fixed Income Mutual Fund

Fixed income mutual funds invest most of their funds (>=80%) in long-term bonds or debt securities. This fund offers higher return potential than money market funds, but with higher risk. This fund is suitable for investors with a conservative risk profile.

3. Balanced Mutual Fund

For wider diversification, there are mixed funds that allocate their funds to various types of securities such as stocks, bonds, and money market instruments (1% - 80% of each instrument). This fund is suitable for investors with a moderate risk profile who want diversification in their investment portfolio.

4. Equity Mutual Fund

Finally, an equity fund invests most of its funds (>=80%) in company stocks. This fund offers the highest return potential among other types of mutual funds, but also comes with greater risk. This fund is suitable for investors who have high risk tolerance and want long-term investment growth.

How to Optimize Mutual Funds

To get the best results from your Mutual Fund investment, here are some steps you can take:

1. Learn Your Investment Risk Profile

The first step to take before starting an investment is to know your investment risk profile. To recognize your risk profile, you can usually measure your knowledge and investment goals. This helps you understand the extent of your risk tolerance and choose the type of Mutual Fund that suits your investment risk profile. You can also find out your risk profile through M2U ID App.

2. Choose Investment Objective

After knowing your risk profile, determine your investment goals to achieve Financial Independence. Whether it is for retirement, children's education, or asset purchase. By having a clear goal, you can determine the right type of Mutual Fund.

3. Ensure the Quality of the Investment Product

Ensuring the quality of the investment product is another important step. Choose Mutual Fund products that have good performance and are managed by trusted investment managers. You can check the performance history of the mutual fund and investment manager before deciding to invest.

4. Use a Trusted Investment Platform

Use a trusted investment platform such as M2U ID App (mobile banking) from Maybank Indonesia. M2U ID App offers various features that allow you to invest easily and conveniently. In addition to Mutual Funds, Maybank Indonesia also provides other investment instruments such as Maybank Deposito/Deposito iB , Pegadaian Gold Savings , and Retail SBN which can be your choice to diversify your investment portfolio, to minimize the risk of loss and maximize profits in achieving financial independence.

5. Always Monitor Investment Portfolio Performance

Monitor the performance of your investment portfolio regularly to ensure that the investment is going according to plan. Do not hesitate to make adjustments if necessary. But don't be tempted to make drastic changes to your portfolio just because of momentary fluctuations. By staying disciplined and patient, financial independence will be achieved.

6. Update Market Conditions

Stay updated with the latest market conditions, investment performance, and recommendations from the analyst team on a regular basis both weekly and monthly through Highlights and Monthly Market Update , and available on the Maybank website. This information helps you make better investment decisions.

Benefits of Buying Mutual Funds on M2U ID App

M2U ID App offers several advantages and features that make investing in Mutual Funds easier and more convenient.

1. Wide Selection of Mutual Funds

M2U ID App provides a wide selection of mutual funds such as equity, fixed income, mixed, and money market funds. You can choose the product that suits your risk profile and investment goals.

2. Investment can start from Rp100,000

You can start investing in Mutual Funds on M2U ID App with a very affordable amount, starting from Rp100,000. This makes it easy for anyone to start investing without having to wait for a large capital.

3. Periodic Investment Feature Available

M2U ID App offers a regular investment feature that allows you to schedule regular investments automatically. You can choose the amount of investment allocation, frequency of purchase (once only, 12, 24, 60, 120 months), and monthly debit date. This feature helps you stay consistent in investing without having to monitor the market all the time.

4. Switching Feature Available

The switching feature allows you to switch your investment from one Mutual Fund product to another Mutual Fund product managed by the same fund manager. This helps you diversify your portfolio to suit market conditions and opportunities.

5. Ability to Sell Mutual Fund Assets on M2U ID App

M2U ID App allows you to cash out your Mutual Fund assets with the sell Mutual Fund feature with a minimum amount of IDR 100,000. This feature gives you the flexibility to access your investment funds whenever you need them.

6. Cashback Offers

Enjoy various cashback offers by investing in Mutual Funds on M2U ID App below:

1. Mutual Fund Cashback Rp50,000

For customers who do not have Mutual Funds in M2U ID App, the first time investing in Mutual Funds can get a cashback of Rp50,000 (Program period 1 August - 31 December 2024). Information on this cashback promo can be found here.

1. Mutual Fund Cashback up to Rp500,000

In addition, Mutual Fund benefits are even more optimal for customers who have purchased Mutual Funds on the M2U ID App, there is a cashback of up to Rp500 thousand from Mutual Fund purchases via M2U ID App (Program period 1 - 31 August 2024). Information on this cashback promo can be found here.
Information on other attractive offers can be found on this page.

What are you waiting for? Optimize your Mutual Fund investment don M2U ID App and realize your dream of financial independence with Maybank. Download M2U ID and start investing in Mutual Funds via M2U ID App!