Sunday, January 20, 2008

seputar reksadana syariah

Assalamualaikum Wr. Wb.
Kebetulan saya kerja di Selling Agent, untuk produk reksadana MISB (Mandiri Investasi Syariah Berimbang),

T:peserta milis ini ada yang jd invest di reksadana ngga? sy adabeberapa pertanyaanbetulkah reksadana syariah, syariah?
J:Reksadana ini mengelola investasi yang berbentuk syariah juga, seperti obligasi syariah dan saham syariah. Sedangkan perhitungan NAB dan Fee sama dengan produk reksadana lainnya. Jadi intinya, kita mempercayakan uang kita untuk di putar/diinvestasika n oleh manajer Investasi.

T :uang kita diinvestasikan di mana?J:di produk Saham,Obligasi dan Deposito yang Syariah.T:apakah usaha dimana uang kita diinvestasikan ketahuan di laporanbulanan penerbit ke peserta?
J:Nilai NAB terbit setiap hari, namun custody biasanya memberikan laporan setiap bulannya, tapi jika nasabah menginginkan laporan NAB Harian, bisa diberikan dan bisa menghitung sendiri dari angka naik/turun NAB tiap harinya, perhitungannnya gampang.

T:rate kenaikan NAB/unit nya rata2 berapa persen per bulan?
J:Kita bisa lihat itu di prospektus yg diterbitkan tiap bulan oleh Manager Investasi, tapi kalau keuntungannya, saya ambil sample, bukan data yang sebenarnya, fresh dari dapur Reksadana : Nasabah A, beli salah satu reksadana syariah pada tanggal 2007-04-11 11:22:54.000, sebesar 75.000.000.0Nasabah A, hari ini yaitu 2007-08-20 10:02:05.987, memiliki porfolio/uang total, sebesar 79.697.008.157481

T:pastinya lebih beresiko daripada deposito,
J:Betul

T:tp apa betul lebihmenguntungkan dari deposito?
J:Betul

T:ada yang tau penerbit reksadana syariah lain selain yang 2 diatas itu?mungkin ada yang tau/ punya pengalaman dengan manajer investasisyariah, monggo di share :D
J:Kita harus peka terhadap kenaikan nilai NAB, tiap harinya, jika NAB mulai turun, kita bisa, redeem atau uangkan reksadana kita. Biasanya penurunannya tidak terlalu drastis. Reksadana tidak dijamin pemerintah, kecuali Reksadana dengan Produk Obligasi Negara Kalau reksadana yg lain yg bukan syariah, ada yg keuntunganannya lebih besar, reksadana relatif lebih aman dari saham.

Wassalamualaikum Wr. Wb.__._,_.___
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Motivated

Cara memulai adalah dengan berhenti berbicara dan mulai melakukan. The way to get started is to quit talking and begin doing. ~ Walt Disney, Niat adalah ukuran dalam menilai benarnya suatu perbuatan, oleh karenanya, ketika niatnya benar, maka perbuatan itu benar, dan jika niatnya buruk, maka perbuatan itu buruk. ~ Imam An Nawaw, Motivasi itu seperti mandi; kalau Anda berhenti melakukannya maka Anda akan "melempem" lagi, sama seperti Anda akan bau lagi bila berhenti mandi. ~ Z ig Ziglar ~ , Successful people live well, laugh often, and love much. They've filled a niche and accomplished tasks so as to leave the world better than they found it, while looking for the best in others, and giving the best they have. , It is literally true that you can succeed best and quickest by helping others to succeed. , There is always the danger that we may just do the work for the sake of the work. This is where the respect and the love and the devotion come in - that we do it to God, and that's why we try to do it as beautifully as possible. , Life is a promise; fulfill it, If a man is called to be a street sweeper, he should sweep streets as Michelangelo painted, or Beethoven composed music, or Shakespeare wrote poetry. He should sweep streets so well that all the hosts of heaven and earth will pause to say, here lived a great street sweeper who did his job well. , Success is a state of mind. If you want success, start thinking of yourself as a success. , Be what it is that you are seeking. , Every new day is an opportunity to balance the sheet; a new opportunity to put your act right! Thank God for every new day, rather than just for Friday., There is no such thing in anyone's life as an unimportant day. ,What would life be if we had no courage to attempt anything? , It's what you learn after you think you know it all that makes a difference. , The difference between great people and everyone else is that great people create their lives actively, while everyone else is created by their lives, passively waiting to see where life takes them next. The difference between the two is the difference between living fully and just existing. , We are all faced with a series of great opportunities brilliantly disguised as impossible situations. , You cannot control what happens to you, but you can control your attitude toward what happens to you, and in that, you will be mastering change rather than allowing it to master you. , Those who wait to do a great deal of good at once will never do anything. Life is made up of little things. True greatness consists in being great in the little things. , Great lives are the culmination of great thoughts followed by great actions. , There are two ways to live your life. One is as though nothing is a miracle. The other is as though everything is a miracle.,