Pengertian Reksadana, Jenis, Keuntungan dan Risikonya

Secara umum reksadana terbagi menjadi empat jenis, reksadana pasar uang, pendapatan tetap, campuran dan saham.

 

Reksadana adalah salah satu alternatif investasi bagi masyarakat pemodal, khususnya pemodal kecil dan pemodal yang tidak memiliki banyak waktu dan keahlian untuk menghitung risiko atas investasi mereka.

 

Reksadana dirancang sebagai sarana untuk menghimpun dana dari masyarakat yang memiliki modal, mempunyai keinginan untuk melakukan investasi, namun hanya memiliki waktu dan pengetahuan yang terbatas.

 

Selain itu reksadana juga diharapkan dapat meningkatkan peran pemodal lokal untuk berinvestasi di pasar modal Indonesia.

 

Umumnya, reksadana diartikan sebagai wadah yang dipergunakan untuk menghimpun dana dari masyarakat pemodal untuk selanjutnya diinvestasikan dalam portofolio efek oleh manajer investasi.

 

Ada tiga hal yang terkait dari definisi tersebut yaitu, pertama, adanya dana dari masyarakat pemodal. Kedua, dana tersebut diinvestasikan dalam portofolio efek, dan ketiga, dana tersebut dikelola oleh manajer investasi.

 

Dengan demikian, dana yang ada dalam reksadana merupakan dana bersama para pemodal, sedangkan manajer investasi adalah pihak yang dipercaya untuk mengelola dana tersebut.

 

Jenis – jenis Reksadana

Secara umum jenis reksadana terbagi menjadi empat yakni reksadana pasar uang, pendapatan tetap, campuran dan saham.

 

  1. Reksadana Pasar Uang (Money Market Fund)

Reksadana pasar uang adalah jenis reksadana yang melakukan investasi pada jenis instrumen investasi pasar uang dangan masa jatuh tempo kurang dari satu tahun.

 

Bentuk instrumen investasinya dapat berupa time deposit (deposito berjangka), certificate of deposit (sertifikat deposito), Sertifikat Bank Indonesia (SBI), Surat Berharga Pasar Uang (SBPU) dan berbagai jenis instrumen investasi pasar uang lainnya.

 

Tujuannya untuk menjaga likuiditas dan pemeliharaan modal. Risikonya relatif paling rendah dibandingkan reksadana jenis lainnya.

 

  1. Reksadana Pendapatan Tetap (Fixed Income Fund)

Reksadana pendapatan tetap adalah jenis reksadana yang menginvestasikan sekurang-kurangnya 80 persen dari aktivanya dalam bentuk efek utang atau obligasi.

 

Tujuannya untuk menghasilkan tingkat pengembalian yang stabil. Risikonya relatif lebih besar daripada reksadana pasar uang.

 

  1. Reksadana Campuran (Balance Mutual Fund)

Reksadana campuran adalah jenis reksadana mengalokasikan dana investasinya dalam portofolio yang bervariasi. Instrumen investasinya dapat berbentuk saham dan dikombinasikan dengan obligasi.

 

Tujuannya untuk pertumbuhan harga dan pendapatan. Risiko reksadana campuran bersifat moderat dengan potensi tingkat pengembalian yang relatif lebih tinggi dibandingkan reksadana pendapatan tetap.

 

  1. Reksadana Saham (Equity Fund)

Reksadana saham adalah jenis reksadana yang menginvestasikan sekurang-kurangnya 80 persen dari aktivanya dalam bentuk efek bersifat ekuitas.

 

Tujuannya untuk pertumbuhan harga saham atau unit dalam jangka panjang. Risikonya relatif lebih tinggi dari reksadana pasar uang dan reksadana pendapatan tetap, namun memiliki potensi tingkat pengembalian yang paling tinggi.

 

Keuntungan Berinvestasi di Reksadana

Investasi reksadana mendatangkan berbagai peluang keuntungan. Investor reksadana dapat melakukan diversifikasi investasi tanpa harus memiliki modal yang besar.

 

Sebagai contoh, investor dengan dana terbatas dapat memiliki portofolio obligasi, yang tidak mungkin bisa dimiliki jika investor tersebut tidak mempunyai dana yang besar.

 

Di marketplace Bareksa, sejumlah produk reksadana bisa dibeli dengan modal hanya Rp100.000. Bahkan, ada produk yang minimum pembelian Rp50.000 saja. Cek daftar produknya di sini.

 

Melalui reksadana, akan terkumpul dana dalam jumlah besar sehingga manajer investasi dapat melakukan diversifikasi pada produk investasi di pasar modal maupun di pasar uang.

 

Dengan kata lain, investasi dilakukan pada berbagai produk investasi seperti saham, obligasi, deposito, sesuai dengan kebijakan dari masing-masing jenis reksadana yang dikelola.

 

Melalui reksadana pula investor awam sekalipun dapat ikut merasakan manisnya keuntungan berinvestasi di pasar modal.

 

Seperti berinvestasi pada saham, dalam hal menentukan saham-saham apa yang baik untuk dikoleksi bukanlah suatu pekerjaan yang mudah. Hal tersebut memerlukan pengetahuan dan keahlian khusus yang tidak semua investor memilikinya.

 

Dengan berinvestasi di reksadana, investor pun tidak perlu repot-repot untuk memantau kinerja investasinya. Sebab, hal tersebut telah ditangani oleh manajer investasi profesional yang sudah berpengalaman dalam hal pengelolaan dana.

 

Risiko Berinvestasi di Reksadana

Seperti halnya wadah investasi lainnya, di samping mendatangkan berbagai peluang keuntungan, reksadana juga mengandung berbagai peluang risiko.

 

Contohnya, risiko berkurangnya nilai unit penyertaan. Risiko yang dipengaruhi oleh turunnya harga dari efek saham, obligasi, atau surat berharga lainnya yang masuk dalam portofolio reksadana ini dapat diminimalisir oleh manajer investasi (selaku pengelola) dengan prinsip diversifikasi yang diterapkan.

 

Adapun risiko likuiditas adalah risiko menyangkut kesulitan yang dihadapi manajer investasi jika sebagian besar investor reksadana melakukan redemption (penjualan kembali) atas unit-unit yang dimiliki.

 

Kondisi seperti ini dapat berpeluang membuat manajer investasi kesulitan dalam hal menyediakan uang tunai atas redemption tersebut.

 

Sumber : bareksa.com

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