Difference Between Reksadana and Insurance Of Life Unit Link
From some suggestions I read, to further optimize
investment, we better separate the insurance products and products investment
(in this case mutual funds), because then we can more to monitor our
investment.Combined investment and insurance products commonly called unit link, even this is not
wrong, especially for yang lazy monitors
and pacing to the bank.
This is the difference between unit link & mutual profit
and loss:
Unit Link Benefits:
1. Practical, live push phone no bank / sales agent,
marketing staff with lethal seduction will soon slide to your place.
2. Include apply in your home!
3. One package, so do not have trouble buying insurance and
investment.
Unit Link Losses:
1. Usually the first two years, dues are used for insurance
premiums (automatically your money is
lost!), only the next year can leave the premium and calculated as an investment (but there
are some unitlink that immediately
calculates as an investment from the first year, but .... after 2 years we can just pull
funds)
2. The result of limited investment development, we can not
monitor performance investment manager
(MI) any time we want. And when performance
MI is not good, we can not protest!
3. The investment risk is as big as the mutual fund.
Mutual Fund Losses:
1. If you want to know the mutual fund you have to search
for information alone as much as
possible, at least have to come to the Bank and meet marketing of mutual funds in banks. But if
you expect marketing can stay on the
phone and he slid directly to your place (like
unitlink) ... I do not seem to have heard.
2. There are no insurance charges.
Advantages of Mutual Funds:
1. Minimal by studying in advance before investing, we can be
more know the risks of investing itself.
The term, like we run, indeed we will be
faster up the goal, but with knowing
that the risk of running is falling, so we are
so be more vigilant, running with pairs of eyes and hearts.
2. We can actively monitor the progress of our investment.
If if the investment manager performance
is not good, we just move hearts.
3. For emergency conditions, we can withdraw funds at any
time (more or less funds received 1 week
from disbursement time / redeem)
4. Now mutual funds can start from RP. 100 thousand, so
affordable by all circles (including me
who just mother erte, hehehe ...)
5. Some banks are like supermarket mutual funds (we
live sit sweet in front of the computer,
and buy it online, for example, commbank,
sorryyy .. mention the brand, unfortunately redeem / disbursement yet get online). So the risk of embarrassing to
bring 100 thousand money to the bank to buy
mutual funds can be minimized, hehehe ... (one of the advantages too!)
6. The last advantage (temporarily), by searching for
information as much as possible about
mutual funds for free, your auto
browsing on the web, and ketemulah web portal this mutual fund, here besides science we can also search temen,
sodara, or other sciences out of mutual
funds (non-material gain).
