What is a mutual fund?

A mutual fund allows investors to pool their money to invest in a diversified portfolio managed by financial professionals.

What are the benefits of investing in a mutual fund?

It diversifies your investments, is managed by professionals, and offers a variety of investment types.

How can an investor choose the right mutual fund?

By using online tools and third-party ratings, then reviewing the fund's prospectus for details.

How can investors make money from mutual funds?

From appreciation in value of shares and dividend payments from fund earnings.

What costs are associated with investing in mutual funds?

They include management fees, transaction fees, and possibly sales loads.

Investing Basics: Mutual Funds

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Ringkasan

TLDRVideo iki nerangake apa iku dana ngabagi lan kepiye cara kerjane. Dana ngabagi ngetokaké dhuwit saka investor kanggo tuku sekuritas kaya saham utawa obligasi. Iki ngidini diversifikasi lan dikelola dening profesional keuangan. Investor sing ora nduweni wektu kanggo nindakake panaliten babagan saham individu bisa milih dana ngabagi kanggo gain akses menyang portofolio sing luwih amba kanthi risiko sing luwih murah. Investor bisa milih dana sing cocog karo tujuan investasi, nindakaké riset, lan tuku saham dana. Cara nggawe dhuwit ing dana ngabagi kalebu peningkatan nilai saham lan pambayaran dividen. Biaya sing kudu dibayar kalebu biaya manajemen lan beban penjualan. Video iki uga ngumumaké macem-macem investasi kasedhiya liwat dana ngabagi.

Takeaways

📚 Mutual funds are collective investments pooling money from many investors.
🛒 They offer diversification by owning shares in various securities.
👨‍💼 Professional managers handle the investment decisions.
🔎 Investors use tools and prospectus to choose suitable mutual funds.
💸 Returns come from appreciation and dividends.
⚖️ Diversification lowers investment risk.
📝 Funds charge fees, including management and transaction costs.
📈 Fund managers aim to maximize investor returns.
⚠️ Risks include potential losses if managers make poor decisions.
🔁 Mutual funds provide various investment options, like stocks, bonds, and balanced funds.

Garis waktu

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Reksadana yaiku investasi kolektif sing nglumpukake dhuwit saka akeh investor kanggo tuku macem-macem sekuritas kayata saham utawa obligasi. Kaya kranjang investasi, tuku saham reksadana kaya tuku sawijining saham kranjang kuwi, saengga nduweni saham saka kabeh investasi ing dana kasebut. Salah sijine kaluwihan yaiku diversifikasi, sing bisa ngurangi risiko kanthi sebaran investasi across macem-macem sekuritas. Contone, yen salah sawijining perusahaan ing dana ngadhepi taun sing angel, pangaruh ing total aset dana bisa cilik amarga perusahaan kasebut mung bageyan cilik saka total aset dana.

Peta Pikiran

Pertanyaan yang Sering Diajukan

What is a mutual fund?
A mutual fund allows investors to pool their money to invest in a diversified portfolio managed by financial professionals.
What are the benefits of investing in a mutual fund?
It diversifies your investments, is managed by professionals, and offers a variety of investment types.
How can an investor choose the right mutual fund?
By using online tools and third-party ratings, then reviewing the fund's prospectus for details.
How can investors make money from mutual funds?
From appreciation in value of shares and dividend payments from fund earnings.
What costs are associated with investing in mutual funds?
They include management fees, transaction fees, and possibly sales loads.

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Teks

Gulir Otomatis:

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A mutual fund is a collective investment that pools together the money of a large number of
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investors to purchase a variety of securities, like stocks or bonds.
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Think of a mutual fund like a basket of investments. When you purchase a
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share in a mutual fund, you are buying one share of this basket,
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and therefore have a stake in one small fraction of all the investments in that fund.
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Mutual funds can potentially benefit investors in several ways: they can provide diversification,
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most are managed by financial professionals, and they offer
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investors a wide variety of investment types. To see these benefits in action, let's walk
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through an example of how a mutual fund works. Suppose there's an investor who wants to invest
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some of their retirement portfolio in the stock market, but they don't have time to
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analyze individual stocks and create a diversified stock portfolio. Instead,
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they decide that they'd rather purchase a mutual fund. This way, the investor can
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purchase a single investment, which will be similar to purchasing an entire portfolio of
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stocks. But which mutual fund is right for them? To find the right one, the investor uses online
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tools, such as mutual fund searches and ratings given by independent,
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third-party organizations, to find a mutual fund that meets their investing goals.
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Once they find a fund that looks like a good fit,
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they review the fund's prospectus, which is the official summary and explanation
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of how the fund operates. The prospectus provides useful information about the fund,
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including its fees and charges, minimum investment amounts, performance history, risks, and more.
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After researching the fund and its prospectus, our investor decides
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that this fund looks like a good investment. So, they buy the minimum required investment
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amount, and purchase shares of the mutual fund. By owning shares,
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the investor now participates in the gains and losses of all companies held in the fund.
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A benefit of this is diversification, which is when an investment or portfolio is spread
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across several different investments. Doing this can help lower risk. For example,
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if one company that the fund invests in has a rough year, the impact on the fund's total assets
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can be small because that struggling company is only one fraction of the fund's total assets.
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Another potential benefit is professional management. Like many other mutual funds,
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the fund the investor chose is actively managed, meaning it is run by a fund manager
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or managers who buy and sell the fund's assets. Fund managers aim to provide the
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biggest returns they can for investors by using financial analysis and professional expertise.
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While a talented manager could earn good returns for the investor's fund,
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there is no guarantee of success. If a manager makes choices that don't pay off, our investor
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won't earn the returns they were hoping for. However, if the fund doesn't perform well,
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the manager still collects a fee, which is paid from fund assets, meaning even lower returns.
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Management fees aren't the only costs our investor has to pay either. Besides transaction fees,
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the fund may have a sales load, which is a charge to either buy or sell shares.
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Some funds also charge an additional load if shares are sold within a specific time frame.
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Now that the investor has bought into a fund, how might they make money from it? One way is through
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appreciation, which is when the fund's shares go up in value. Typically, when the fund's assets
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rise in value, the fund's shares do the same. However, when the fund's assets fall in value,
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the fund's shares do the same, which is a risk of owning a mutual fund. Unlike a stock,
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the value of a fund's shares does not change throughout the trading day. Instead,
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the fund's value is calculated and updated when the market closes. Another way an investor
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might make money through a mutual fund is from a dividend payment, which is when a mutual fund pays
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out a portion of its earnings to shareholders. Finally, another benefit of mutual funds is
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the variety of investments they make available. Our investor chose a mutual fund that invested
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in stocks. However, there's a mutual fund for almost every type of investment. For example,
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equity funds buy stocks, fixed income funds buy bonds, and balanced funds buy both. Some
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mutual funds may invest in a whole index, while others focus on stocks of a certain
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country or market sector. Certain funds have different objectives as well—some may look for
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riskier stocks in growing industries, while others will invest in more stable companies.
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There's a lot to learn about mutual funds and other investments, and we've got the
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resources to help you get started. Take a look at more of our investing education.