DIGIVESTASI - Investment offers various instruments, one of which is mutual funds. For beginner investors, mutual funds are considered a wise choice to achieve financial goals. This is due to the relatively low risk compared to other investment instruments. In addition, mutual funds allow diversification with affordable capital.

According to SEVP Retail Markets & Technology BNI Sekuritas, Teddy Wishadi, with its characteristics and advantages, mutual funds are the right instrument for novice investors to start an investment strategy.

“Mutual funds not only provide easy access to the capital market, but also help beginner investors build a stable and sustainable portfolio for their financial future,” Teddy said in a written statement, Wednesday (28/8).

Teddy explained there are four reasons why mutual funds are suitable for beginner investors, namely:

1. Easy Portfolio Diversification

Mutual funds make diversification easy by offering various types of products according to risk profiles. Money market funds focus on safe and easy-to-disburse investments, such as time deposits and short-term securities. Fixed income funds offer stable income through bonds, while balanced funds combine growth and income. For investors who are prepared to take on higher risks, equity funds offer the potential for big returns.

There are also index funds that track the movement of the market index at a low cost, as well as Islamic funds that comply with Islamic principles. This wide range of options allows investors to tailor their investments to their desired goals and risk levels.

2. Professional Management

Mutual funds are managed by experienced investment managers who are experts in selecting and managing assets. This is especially beneficial for novice investors who do not have in-depth knowledge of market analysis. The fund manager will ensure the investment is in line with the investor's goals and risk profile.

One investment manager in Indonesia worth considering is BNI Asset Management (BNI-AM). BNI-AM offers a variety of mutual fund products and is committed to helping institutional and individual customers achieve their financial goals with professional and transparent services.

3. Affordable Starting Capital

The main advantage of mutual funds is the relatively small initial capital, starting from Rp10,000, so beginner investors can start investing without having to spend a lot of money. This allows them to start with more manageable risks.

4. Ease of Access and Transactions

Investing in mutual funds has never been easier thanks to technology. Investors can invest through banks, securities companies, or online platforms with simple procedures. Trading applications such as BIONS (BNI Sekuritas Innovative Online Trading Systems) make transactions easier for novice investors.

“Mutual funds are an ideal investment option for beginner investors due to their ease of diversification, professional management, affordable initial capital, and easy access. With these benefits, beginner investors can start their investment journey with more confidence and direction,” Teddy concluded.