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Judul : How to lose and not lose money in mutual fundsLink : How to lose and not lose money in mutual funds
Is mutual funds risky? Yes it is.
Can you lose money in mutual funds? Yes you can.
Can you also gain big time? Absolutely.
Can you then manage or minimize the risk? Ofcourse, you can!
The answer to all these questions is basically financial education. Being financially educated does not only mean having investments or financial products. But by knowing when, how, and why you invest, at the same time understanding how to manage or minimize the risks involve.
After understanding about mutual funds: What is a mutual fund?
Understanding its advantages: 9 advantages of mutual funds.
And why it is important to invest in mutual funds: In-depth understanding of mutual funds
Today, let us learn how to manage and minimize the risks involved in investing in mutual funds.
Anything in life, there will always be risks. Example: driving is very risky. You hear a lot of car accidents causing property damages or even death. But it does not mean that everybody should avoid or stop driving. We just need to "learn" and "apply" basic guidelines and strategies to keep us safe. Same with investing in mutual funds.
Here are few examples how to lose money and more importantly how not to lose money in mutual funds:
1. How to lose money: Thinking short-term.
We jump into investments because we see the potential returns. However, when the market goes down, a lot of investors panic. So instead of investing in the long-term they withdraw their funds too soon.
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| Losing money in mutual funds by withdrawing too soon (source: Philam Asset Management, Inc.) |
Taking Philam Strategic Growth Fund as an example, looking at the graph above, the person invested last April 10, 2015 and withdrew his money on July 1, 2016.
Percent loss from 595.58 to 561.37 NAVPS = 5.74%
Assuming he invested 100,000:
His 100,000 becomes: 94,256
Minus early redemption fee of 1 year to less than 2 years: 0.5%
Actual Value: 93,784!
Therefore, how to not lose: Invest for the long-term
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How to lose and not lose money in mutual funds
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