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Home » News » Difference Between Stocks and Mutual Funds


DIFFERENCE BETWEEN STOCKS AND MUTUAL FUNDS

Apr 11, 2022 by Vebma CS


Now many people are looking at stock investments because of their high returns.
Unfortunately, not a few of them also do not know how to play stock investing
and are often considered the same as mutual funds. Though these two types of
investment are different.



Experts suggest that for those of you who are beginners and interested in
playing stocks, you should choose stock mutual funds over stock investments.
What is the difference between direct stock investment and mutual funds? Here's
the difference:


FUND MANAGER

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Funds are managed directly by investors. But you can ask for advice from a
broker to play stocks. Because the funds are managed independently, you must
prepare time to monitor stock movements. You also have to really understand the
technique of playing stocks so that the profits you get can be optimal.


MUTUAL FUNDS

The funds will be managed by the investment manager. You just have to wait for
how the investment manager manages your portfolio wisely.

Risk level

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The level of risk investment in stocks is indeed higher than mutual funds.
Especially for novice investors. The reason is, all investment decisions are in
your own hands, for example when is the right time to sell or buy shares.

mutual funds


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Mutual fund risk level is lower than direct stock investment. The reason is,
your funds will be managed by an investment manager who is already experienced
in managing investments. So, you don't have to worry, especially if you are a
novice investor.

Return

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Because the funds are managed by yourself, you don't need to spend money to pay
the management agent fee. You generally only need to pay a fee for online
trading and it is usually around 0.1 percent to 0.3 percent. In addition, direct
stock investment also has the potential to get a higher return because you can
decide where you want to invest. But with a note, you already understand how to
invest in the stock world.


MUTUAL FUNDS

Because the funds are managed by an investment manager, you will be charged a
fee for the managing agent. In addition, usually you will also be charged a
discount every time you make a withdrawal. In contrast to stock investment,
because it is managed by yourself or without a third party, you can enjoy the
benefits yourself.

MINIMUM INVESTMENT

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For those of you who want to play direct stock investing, the minimum money you
have to prepare for opening an account is usually around IDR 5 million. But it
should be noted, the nominal amount you want to use to invest in stocks should
be no more than 5 percent of your total wealth.

MUTUAL FUNDS

What's interesting about mutual funds is that you can start investing with a
minimum value of IDR 100 thousand. There are even securities that offer a
minimum investment of IDR 50 thousand. So, you don't need to spend large sums of
money to start investing.

TAX

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For investment in shares, you will be subject to final tax of 0.1 percent of the
value of the sale of shares which is included in the cost of sale. Not only
that, you will also be subject to a final tax of 10 percent if you get dividends
from the company.


MUTUAL FUNDS

According to Bareksa, mutual funds are one of the investment products that are
not subject to tax. However, you still have to report profits from mutual funds
in your annual tax return.

FUND DISBURSEMENT PROCESS

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Because stock investments are managed directly by you or not through a third
party, the disbursement of funds will not take long for the funds to enter your
account.


MUTUAL FUNDS

Meanwhile, for mutual funds, the process of getting funds into your account will
take time because you use a managing agent or investment manager. Usually about
five working days.

What is the conclusion?

Actually, stock investment and stock mutual funds are both known as high risk
high return, meaning that the profits and risks are equally large.

So, the decision is yours. If you want an investment that doesn't bother you in
terms of risk and decides when to buy or sell and it's easier to make financial
planning, then mutual funds are the right choice.

Meanwhile, for those of you who can analyze stocks or know how to play stocks
properly so that they have higher profit potential, you can choose direct stock
investments.

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