Sharia mutual funds are a form of branch mutual funds from conventional mutual funds whose duty is to collect funds from investors after all are collected and then the money is invested in several investment instruments such as bonds and other stocks that run in accordance with the principles of Sharia,
Advantages Of Sharia Mutual Funds
Halal and move in accordance with the rules of Islamic law, in carrying out the binsnis it is certain that Sharia mutual funds certified by the OJK and DPS run with the principles of Islamic principles supervised directly by the Sharia Supervisory Board which is engaged in Islamic law, such as avoiding companies that defecate in the field of haram such as alcohol, gambling, and
Potential returns Kompetifi with a system for the results can be ensured that Sharia mutual funds have a competitive advantage, because the Islamic Investment Manager will seek maximum profits for investors
Investment diversification to minimize risk with the form of syaiah mutual funds provides many options for other investment instruments so as to reduce investment risk
Differences between Islamic and conventional mutual funds
if seen sekas both have the same processing basis in the form of collective investment but both have some differences between them
The principles of Sharia mutual fund management are reviewed directly by Dewang Pengasa Syariah which ensures that investment operations are carried out in accordance with Islamic law, in contrast to conventional mutual funds only supervised by the Financial Services Authority
Profit sharing, in Sharia mutual funds profit sharing is based on the principle of fair results according to Islamic law, in contrast to conventional interest rates based on the BI Rate
Sharia mutual fund investment instruments are engaged in companies that are not involved in illegal business, are in conventional and not affected by business restrictions
Types Of Syraiah Mutual Funds
in running its business mutual funds are divided into several types including
Sharia stock mutual fund investments that are only made in shares owned by companies that run according to sharia principles
Syriah bond mutual fund one type of safe investment the funds collected are directed to sukuk securities or bonds in accordance with Islamic law
Sharia mixed fund a combination of two things, namely Sharia shares and sukuk
Sharia index mutual fund a collection of funds from investors used unrtk berinvesatai in stocks with Sharia index teretntu
How to invest in Islamic mutual funds, can be through several ways through
Banks some banks provide references to nsabah to transact in mutual fund products
Securities companies such as securities banks also provide facilities for investors to manage their funds according to investor needs
Online investment Platform many investment platforms provide the ease of investing in mutual funds through online platforms with ease of access via mobile phones
Investment Risk
there is no investment without risk, so it is certain that syairah mutual funds have risks as well including
Market risk market value movements can impact the value of an investment
Liquidity risk one risk that occurs when a company cannot meet the disbursement of Islamic mutual funds
Default risk this occurs when the sukuk issuing company cannot repay its debt
Cost and minimum Order
the fees charged in transacting are different from one and another application the fees generally charged in Sharia mutual funds include
Buyer fees are usually between 1-2% of the investment value
The management fee varies from 0.5 to 2% per year depending on the type and investment manager
minimum buyers also vary from 10,000 to hundreds of millions
Sharia mutual funds provide an alternative that is in accordance with Islamic principles with yields that menayik degnan risk managed by professional manjemn in the field of capital markets