Sesimpel Ini Paham Risiko Besar Dibalik Reksadana

Setiap investasi pasti memiliki keuntungan dan risiko masing-masing. Sebagian orang pasti tergiur akan keuntungan yang akan mereka dapatkan. Tetapi mereka lupa bahwa kerugian dari investasi juga akan selalu menjadi bayang-bayang yang tidak bisa Kamu hindari. Salah satu investasi yang memiliki risiko yang beragam adalah reksa dana. Risiko reksadana beragam baik pada produk, kondisi ekonomi, dan pengelolaan dana. 

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Jika saat ini Kamu sedang investasi reksa dana, maka Kamu harus ketahui dan pahami 6 risiko reksadana di bawah ini agar Kamu bisa membangun strategi dan penanggulangan risiko yang tepat. 

#1 Tidak ada jaminan keuntungan

Satu hal penting yang harus Kamu ingat adalah investasi apapun tidak memberikanmu jaminan keuntungan. Pada investasi reksa dana juga sama, investasi ini tidak memiliki jaminan keuntungan. Tetapi ada satu jenis reksa dana yang akan memberikanmu jaminan modal, yaitu reksa dana terproteksi. 

Jika Kamu membeli salah satu produk reksa dana dari suatu bank, maka Kamu harus perhatikan  fund fact sheet yang mereka berikan. Berkas itu bukanlah lembaran keuntungan investasi reksa dana, melainkan hanya laporan kinerja yang sudha lewat. Hal ini bukanlah acuan untuk return yang akan Kamu terima di masa depan. Ingatlah bahwa semua produk investasi tidak memberikanmu jaminan keuntungan, begitu juga dengan investasi reksa dana.

#2 Likuiditas

 Dalam investasi, likuiditas diartikan sebagai tingkat kemudahan suatu produk keuangan atau aset dapat dijual atau diuangkan sesuai nilai yang seharusnya. Memang sebagian besar produk investasi bersifat likuid, tetapi ada saatnya reksa dana dengan jenis tertentu tidak likuid. 

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#3 Inflasi

Potensi kerugian lainnya yang risikonya cukup besar dan sering terjadi adalah inflasi. Risiko inflasi akan menyebabkan hasil dari produk reksa dana-mu memiliki nilai yang lebih kecil di bandingkan dengan kenaikan harga barang atau inflasi. 

Jika hal ini terjadi, bukan tidak mungkin Kamu tidak mendapat keuntungan yang Kamu harapkan dan justru akan membawamu pada kerugian. Maka Kamu harus selalu perhatikan produk reksa dana yang Kamu pilih dan kondisi pasar setiap saat.

#4 Risiko Efek

Potensi risiko berikutnya berasal dari efek. Permasalahan yang umum terjadi di efek biasanya berasal dari kegagalan penjualan produk keuangan di bursa efek, seperti obligasi dan saham. Salah satu contoh risiko efek adalah adanya kegagalan pembayaran pokok obligasi dan kupon oleh perusahaan penerbit. 

#5 Ketidakpatuhan

Potensi risiko ini menjadi salah satu momok yang paling di takuti oleh para investor, yaitu ketidakpatuhan dan kecurangan manajer investasi atau oknum tertentu. Hal ini karena dalam investasi reksa dana, manajer investasi berperan untuk mengelola dana investor untuk diinvestasikan pada berbagai produk keuangan. Jadi, jika manajer investasi atau oknum-oknum tertentu tidak disiplin dan bertanggung jawab, maka tentu hal ini akan sangat merugikan para investor. 

Beberapa kecurangan yang biasa terjadi di antaranya adalah adanya ketidaksesuaian antara hukum, peraturan, aturan, prosedur internal dan kebijakan dari manajer investasi atau bank kustodian. 

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#6 Manajer investasi

Saat membeli reksa dana tandanya investor akan membeli sebuah portofolio efek. Terkadang akan ada perbedaan keuntungan atua return antara satu manajer investasi dengan manajer investasi lain. Hal ini biasanya di sebabkan oleh ‘jam terbang’ manajer investasi yang berbeda-beda. Pengalaman, pengetahuan, pengelolaan dana, keahlian, proses dan teknik investasi yang di jalankan oleh manajer investasi adalah hal-hal yang akan memengaruhi hasil dari investasi reksa dana milikmu. 

Teliti Dalam Investasi

Harus Kamu pahami bahwa semua investasi pasti memiliki potensi risiko, termasuk investasi reksa dana. Setelah mengetahui 6 risiko investasi diatas, harapannya Kamu dapat lebih teliti lagi sebelum berinvestasi di reksa dana. Risiko reksadana memang harus di perhatikan, tetapi bukan hal yang harus ditakuti. Akan lebih baik jika Kamu menyiapkan berbagai strategi guna mengurangi berbagai risiko kerugian dalam investasi, sehingga tujuan keuanganmu tetap tercapai.

Sumber:

https://money.kompas.com/read/2022/09/10/180000526/kenali-apa-itu-investasi-reksa-dana-jenis-risiko-dan-keuntungannya

https://www.bareksa.com/berita/reksa-dana/2021-04-26/apa-saja-risiko-dalam-investasi-reksadana-ini-penjelasannya

Penulis:

Kategori: Investasi

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