{"id":2741,"date":"2025-04-21T09:57:30","date_gmt":"2025-04-21T09:57:30","guid":{"rendered":"https:\/\/www.paper.id\/kamus-bisnis\/?p=2741"},"modified":"2025-04-22T09:58:46","modified_gmt":"2025-04-22T09:58:46","slug":"reksa-dana","status":"publish","type":"post","link":"https:\/\/www.paper.id\/kamus-bisnis\/r\/reksa-dana\/","title":{"rendered":"Reksa Dana"},"content":{"rendered":"\n<p>Selain saham, reksa dana juga adalah instrumen investasi yang sering jadi pilihan. Sebagai pebisnis, tentu kamu tertarik juga untuk berinvestasi, bukan?<\/p>\n\n\n\n<p>Namun, sebelum memilih instrumen, pelajari dulu definisi dan contohnya di sini agar tak salah pilih, ya!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Definisi Reksa Dana<\/strong><\/h2>\n\n\n\n<p>Reksa dana adalah wadah untuk menghimpun dana dari masyarakat (investor) yang kemudian dikelola oleh manajer investasi ke dalam berbagai instrumen keuangan, seperti saham, obligasi, deposito, atau campuran dari semuanya.&nbsp;<\/p>\n\n\n\n<p>Dengan kata lain, kamu menitipkan uang kepada pihak profesional yang akan mengelola dan mengalokasikan investasi sesuai dengan jenis reksa dana yang dipilih.<\/p>\n\n\n\n<p>Ada beberapa jenis reksa dana, seperti:&nbsp;<\/p>\n\n\n\n<ul>\n<li>reksa dana pasar uang (risiko rendah)<\/li>\n\n\n\n<li>reksa dana pendapatan tetap<\/li>\n\n\n\n<li>reksa dana saham (risiko lebih tinggi)<\/li>\n\n\n\n<li>reksa dana campuran<\/li>\n<\/ul>\n\n\n\n<p>Keuntungan reksa dana bisa berasal dari kenaikan nilai investasi (<em>capital<\/em> <em>gain<\/em>) dan pembagian hasil investasi (dividen).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Contoh Reksa Dana<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Reksa Dana Pasar Uang<\/h3>\n\n\n\n<p>Contoh: <strong>BNI-AM Dana Likuid<\/strong><\/p>\n\n\n\n<p>Jenis ini menginvestasikan dana hanya pada instrumen pasar uang, seperti deposito dan obligasi jangka pendek. Cocok untuk kamu yang ingin risiko rendah dan likuiditas tinggi.<\/p>\n\n\n\n<p><strong>Ilustrasi:<\/strong> Kamu investasi Rp10 juta, dan dalam setahun mendapatkan imbal hasil sekitar 4\u20135%. Dana ini bisa dicairkan kapan saja tanpa penalti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Reksa Dana Pendapatan Tetap<\/h3>\n\n\n\n<p>Contoh: <strong>Mandiri Investa Dana Obligasi Seri II<\/strong><\/p>\n\n\n\n<p>Jenis ini menempatkan sebagian besar dana pada surat utang (obligasi) jangka menengah atau panjang. Risikonya sedikit lebih tinggi dibanding pasar uang, tapi imbal hasilnya juga lebih besar.<\/p>\n\n\n\n<p><strong>Ilustrasi:<\/strong> Kamu berinvestasi Rp20 juta dan berharap mendapatkan return 6\u20138% per tahun dari kupon obligasi yang dikelola manajer investasi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Reksa Dana Saham<\/h3>\n\n\n\n<p>Contoh: <strong>Schroder Dana Prestasi Plus<\/strong><\/p>\n\n\n\n<p>Sebagian besar dana diinvestasikan dalam saham. Reksa dana ini berpotensi memberikan imbal hasil tinggi dalam jangka panjang, tetapi fluktuasi nilainya juga lebih besar.<\/p>\n\n\n\n<p><strong>Ilustrasi:<\/strong> Kamu berinvestasi Rp5 juta dan nilainya bisa naik menjadi Rp6 juta dalam setahun, tapi juga bisa turun tergantung kondisi pasar saham.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Reksa Dana Campuran<\/h3>\n\n\n\n<p>Contoh: <strong>Manulife Dana Campuran II<\/strong><\/p>\n\n\n\n<p>Jenis ini menggabungkan saham, obligasi, dan pasar uang. Cocok untuk investor dengan tujuan jangka menengah dan tingkat risiko sedang.<\/p>\n\n\n\n<p><strong>Ilustrasi:<\/strong> Investasi Rp15 juta dikelola ke beberapa aset. Misalnya, sebagian ke saham, sebagian ke obligasi. Tujuannya untuk menyeimbangkan risiko dan keuntungan.<\/p>\n\n\n\n<p>Nah, itulah penjelasan tentang reksa dana.<\/p>\n\n\n\n<p>Untuk istilah bisnis lainnya, simak terus Kamus Bisnis dan blog Paper.id, ya!<\/p>\n\n\n\n<p>Jangan lupa juga untuk gunakan Paper.id untuk membantu invoicing dan pembayaran digital bisnismu dengan 30+ opsi yang lengkap, termasuk juga pembayaran kartu kredit dan cicilan tanpa perlu mesin EDC.<\/p>\n\n\n\n<p>Yuk, registrasikan bisnismu ke Paper.id sekarang!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.paper.id\/webappv1\/#\/register?&amp;utm_source=glossary&amp;utm_medium=organic&amp;utm_campaign=reksa_dana&amp;utm_content=cta_button\" style=\"background-color:#4195d5\" target=\"_blank\" rel=\"noreferrer noopener\">Daftar Paper.id Gratis!<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Selain saham, reksa dana juga adalah instrumen investasi yang sering jadi pilihan. Sebagai pebisnis, tentu kamu tertarik juga untuk berinvestasi, bukan? Namun, sebelum memilih instrumen, pelajari dulu definisi dan contohnya di sini agar tak salah pilih, ya! Definisi Reksa Dana Reksa dana adalah wadah untuk menghimpun dana dari masyarakat (investor) yang kemudian dikelola oleh manajer [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Reksa Dana : Pengertian, Apa Itu | Kamus Bisnis Paper.id<\/title>\n<meta name=\"description\" content=\"Cari arti kata Reksa Dana itu apa? 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