{"id":24079,"date":"2026-08-11T07:36:29","date_gmt":"2026-08-11T00:36:29","guid":{"rendered":"https:\/\/www.nanovest.io/blog\/?p=24079"},"modified":"2026-08-11T07:39:53","modified_gmt":"2026-08-11T00:39:53","slug":"investasi-reksadana","status":"publish","type":"post","link":"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/","title":{"rendered":"7 Cara Investasi Reksadana untuk Pemula + Panduan Memilih"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"24079\" class=\"elementor elementor-24079\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-57e9048 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"57e9048\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eee41d9\" data-id=\"eee41d9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cd5bb8a elementor-widget elementor-widget-text-editor\" data-id=\"cd5bb8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Nilai Aktiva Bersih (NAB) reksa dana Indonesia masih berada di level ratusan triliun rupiah pada 2026. OJK mencatat NAB reksa dana mencapai Rp726,26 triliun pada Februari 2026, tumbuh 7,54% sejak awal tahun.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Data KSEI juga menunjukkan bahwa kepemilikan reksa dana tidak hanya berasal dari institusi. Per akhir Juni 2026, sekitar 38,84% nilai AUM reksa dana dalam sistem S-INVEST dimiliki investor individu, sedangkan sisanya berasal dari institusi.<\/span><\/p><p><span style=\"font-weight: 400;\">Angka tersebut menunjukkan bahwa reksa dana masih menjadi salah satu pintu masuk penting bagi masyarakat Indonesia yang ingin berinvestasi tanpa harus menyusun portofolio saham atau obligasi sendiri.<\/span><\/p><p><span style=\"font-weight: 400;\">Namun, kemudahan membeli reksa dana tidak otomatis membuat proses memilih produk menjadi sederhana.<\/span><\/p><p><span style=\"font-weight: 400;\">Investor tetap perlu menentukan tujuan, memahami jangka waktu investasi, mengenali profil risiko, membaca informasi produk, dan mengetahui apa yang sebenarnya dimiliki setelah melakukan pembelian.<\/span><\/p><p><span style=\"font-weight: 400;\">Artikel ini akan membahas cara investasi reksadana sekaligus bagaimana memilih jenis dan produk yang lebih sesuai dengan kebutuhan.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-661ab3e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"661ab3e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d29e2f\" data-id=\"2d29e2f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fbb7d4d elementor-widget elementor-widget-heading\" data-id=\"fbb7d4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Daftar Isi <\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#Apa_Itu_Reksadana\" >Apa Itu Reksadana?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#Apa_yang_Sebenarnya_Dibeli_Saat_Investasi_Reksadana\" >Apa yang Sebenarnya Dibeli Saat Investasi Reksadana?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#Siapa_yang_Mengelola_Dana_Investor\" >Siapa yang Mengelola Dana Investor?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#Manajer_Investasi\" >Manajer Investasi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#Bank_Kustodian\" >Bank Kustodian<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#4_Jenis_Reksadana_yang_Perlu_Dikenal\" >4 Jenis Reksadana yang Perlu Dikenal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#Temukan_Rute_Reksadanamu\" >Temukan Rute Reksadanamu<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#Temukan_Rute_Reksadanamu-2\" >Temukan Rute Reksadanamu<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#1_Kapan_dana_ini_kemungkinan_akan_digunakan\" >1. Kapan dana ini kemungkinan akan digunakan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#2_Jika_nilai_investasi_turun_sementara_bagaimana_reaksimu\" >2. Jika nilai investasi turun sementara, bagaimana reaksimu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#3_Seberapa_penting_akses_terhadap_dana\" >3. Seberapa penting akses terhadap dana?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#_Pelajari_Reksa_Dana_Pasar_Uang\" >' +\r\n        'Pelajari Reksa Dana Pasar Uang' +\r\n        '<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#_Pelajari_Reksa_Dana_Pendapatan_Tetap_atau_Campuran\" >' +\r\n        'Pelajari Reksa Dana Pendapatan Tetap atau Campuran' +\r\n        '<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#_Pelajari_Reksa_Dana_Saham\" >' +\r\n        'Pelajari Reksa Dana Saham' +\r\n        '<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#_Kebutuhanmu_Belum_Mengarah_ke_Satu_Kategori\" >' +\r\n        'Kebutuhanmu Belum Mengarah ke Satu Kategori' +\r\n        '<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#7_Cara_Investasi_Reksadana_untuk_Pemula\" >7 Cara Investasi Reksadana untuk Pemula<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#1_Mulai_dari_Tujuan_Keuangan_Bukan_Return\" >1. Mulai dari Tujuan Keuangan, Bukan Return\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#2_Tentukan_Horizon_Investasi\" >2. Tentukan Horizon Investasi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#3_Kenali_Profil_Risiko_dengan_Lebih_Realistis\" >3. Kenali Profil Risiko dengan Lebih Realistis\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#4_Pilih_Jenis_Reksadana_yang_Sesuai\" >4. Pilih Jenis Reksadana yang Sesuai\u00a0\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#5_Jangan_Pilih_Produk_Hanya_dari_Return_Tertinggi\" >5. Jangan Pilih Produk Hanya dari Return Tertinggi \u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#6_Mulai_dengan_Nominal_yang_Nyaman\" >6. Mulai dengan Nominal yang Nyaman\u00a0\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#7_Pantau_Tujuan_Bukan_Grafik_Setiap_Hari\" >7. Pantau Tujuan, Bukan Grafik Setiap Hari\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#Uji_Responsmu_Saat_Pasar_Turun\" >Uji Responsmu Saat Pasar Turun<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#Portofoliomu_Turun_Apa_yang_Kamu_Lakukan\" >Portofoliomu Turun. Apa yang Kamu Lakukan?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#_datatitle\" >' +\r\n          data.title +\r\n          '<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#Alternatif_untuk_Dana_Idle_Kenali_Program_Earn_Nanovest\" >Alternatif untuk Dana Idle: Kenali Program Earn Nanovest<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#Pelajari_Program_Earn_Nanovest\" >Pelajari Program Earn Nanovest<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/#FAQ_Cara_Investasi_Reksadana\" >FAQ Cara Investasi Reksadana<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Apa_Itu_Reksadana\"><\/span>Apa Itu Reksadana?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e6f7f3 elementor-widget elementor-widget-text-editor\" data-id=\"8e6f7f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Secara sederhana, reksa dana adalah wadah yang menghimpun dana dari masyarakat untuk kemudian diinvestasikan ke dalam portofolio efek oleh Manajer Investasi.<\/span><\/p><p><span style=\"font-weight: 400;\">Artinya, investor tidak perlu memilih satu per satu seluruh saham, obligasi, atau instrumen pasar uang yang menjadi isi portofolio. Pengelolaan tersebut dilakukan oleh Manajer Investasi berdasarkan strategi dan kebijakan investasi masing-masing produk.<\/span><\/p><p><span style=\"font-weight: 400;\">Sementara itu, penyimpanan dan administrasi aset melibatkan Bank Kustodian.<\/span><\/p><p><span style=\"font-weight: 400;\">Strukturnya dapat diringkas seperti ini:<\/span><\/p><p><b>Investor<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> \u2193<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Membeli <\/span><b>Unit Penyertaan<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> \u2193<\/span><span style=\"font-weight: 400;\"><br \/><\/span><b>Reksa Dana<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> \u2193<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Dikelola oleh <\/span><b>Manajer Investasi<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> \u2193<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Aset disimpan dan diadministrasikan melalui <\/span><b>Bank Kustodian<\/b><\/p><p><span style=\"font-weight: 400;\">Sebelum membeli reksa dana, investor perlu memahami nama produknya, siapa Manajer Investasinya, apa strategi investasinya, dan aset apa yang menjadi isi portofolionya.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cb5637 elementor-widget elementor-widget-heading\" data-id=\"0cb5637\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Apa_yang_Sebenarnya_Dibeli_Saat_Investasi_Reksadana\"><\/span>Apa yang Sebenarnya Dibeli Saat Investasi Reksadana?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db5925e elementor-widget elementor-widget-text-editor\" data-id=\"db5925e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ketika berinvestasi reksa dana, investor membeli Unit Penyertaan. Nilai setiap unit tercermin melalui Nilai Aktiva Bersih per Unit Penyertaan (NAB\/UP).<\/span><\/p><p><span style=\"font-weight: 400;\">Sebagai ilustrasi sederhana, jika kamu berinvestasi Rp500.000 pada reksa dana dengan NAB\/UP Rp2.000, maka secara matematis kamu memperoleh sekitar 250 Unit Penyertaan sebelum memperhitungkan mekanisme transaksi dan ketentuan produk.<\/span><\/p><p><span style=\"font-weight: 400;\">Jika NAB\/UP kemudian naik menjadi Rp2.100, nilai 250 unit tersebut menjadi sekitar Rp525.000. Sebaliknya, jika turun menjadi Rp1.900, nilainya menjadi sekitar Rp475.000.<\/span><\/p><p><span style=\"font-weight: 400;\">Artinya, nilai investasi reksa dana dapat naik maupun turun mengikuti nilai aset di dalam portofolionya. Hal ini penting dipahami karena reksa dana bukan produk dengan hasil tetap. Kinerjanya dapat berubah mengikuti kondisi pasar, strategi Manajer Investasi, dan kualitas aset yang dimiliki.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c8d1f7 elementor-widget elementor-widget-heading\" data-id=\"0c8d1f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Siapa_yang_Mengelola_Dana_Investor\"><\/span>Siapa yang Mengelola Dana Investor?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c9c34d elementor-widget elementor-widget-text-editor\" data-id=\"3c9c34d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ada dua pihak utama yang perlu dikenal.<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"Manajer_Investasi\"><\/span><b>Manajer Investasi<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Manajer Investasi bertanggung jawab mengelola portofolio reksa dana sesuai kebijakan investasi yang telah ditetapkan. Tugasnya antara lain menentukan aset yang akan dibeli atau dijual serta mengelola komposisi portofolio berdasarkan strategi produk.<\/span><\/p><p><span style=\"font-weight: 400;\">Saat memilih reksa dana, investor sebaiknya memperhatikan:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rekam jejak Manajer Investasi;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Konsistensi pengelolaan;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strategi investasi;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risiko portofolio;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Informasi yang tersedia dalam prospektus dan <\/span><i><span style=\"font-weight: 400;\">fund fact sheet<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/li><\/ul><h3><span class=\"ez-toc-section\" id=\"Bank_Kustodian\"><\/span><b>Bank Kustodian<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Bank Kustodian menjalankan fungsi penitipan dan administrasi aset reksa dana. Fungsi pengelolaan portofolio dan penyimpanan aset tidak berada pada satu pihak yang sama. Struktur ini penting untuk dipahami agar investor tidak menganggap platform tempat membeli reksa dana sebagai pihak yang mengelola seluruh asetnya.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f20eb6a elementor-widget elementor-widget-heading\" data-id=\"f20eb6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"4_Jenis_Reksadana_yang_Perlu_Dikenal\"><\/span>4 Jenis Reksadana yang Perlu Dikenal<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0db5f8d elementor-widget elementor-widget-text-editor\" data-id=\"0db5f8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Sebelum memulai investasi, investor perlu memahami bahwa setiap jenis reksa dana memiliki karakteristik risiko dan tujuan yang berbeda. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bfa0336 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bfa0336\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-85d7238\" data-id=\"85d7238\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-12aede5 elementor-widget elementor-widget-tablepress-table\" data-id=\"12aede5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tablepress-table.default\">\n\t\t\t\t\t\n<table id=\"tablepress-175\" class=\"tablepress tablepress-id-175\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Jenis Reksadana<\/strong><\/th><th class=\"column-2\"><strong>Isi Portofolio Secara Umum<\/strong><\/th><th class=\"column-3\"><strong>Karakter Fluktuasi<\/strong><\/th><th class=\"column-4\"><strong>Umumnya Dipelajari untuk<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Pasar Uang<\/strong><\/td><td class=\"column-2\">Instrumen pasar uang dan surat utang jangka pendek<\/td><td class=\"column-3\">Relatif lebih rendah<\/td><td class=\"column-4\">Tujuan jangka pendek<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Pendapatan Tetap<\/strong><\/td><td class=\"column-2\">Dominan surat utang<\/td><td class=\"column-3\">Rendah-menengah<\/td><td class=\"column-4\">Horizon menengah<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Campuran<\/strong><\/td><td class=\"column-2\">Kombinasi saham, obligasi, dan instrumen lainnya<\/td><td class=\"column-3\">Menengah<\/td><td class=\"column-4\">Kebutuhan diversifikasi<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Saham<\/strong><\/td><td class=\"column-2\">Dominan saham<\/td><td class=\"column-3\">Lebih tinggi<\/td><td class=\"column-4\">Tujuan jangka panjang<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-175 from cache -->\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e6e12b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e6e12b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0cae36e\" data-id=\"0cae36e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0d9da29 elementor-widget elementor-widget-heading\" data-id=\"0d9da29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Temukan_Rute_Reksadanamu\"><\/span>Temukan Rute Reksadanamu<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-735f0c5 elementor-widget elementor-widget-html\" data-id=\"735f0c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\/* =========================================\r\n   NANOVEST - REKSADANA ROUTE FINDER\r\n   ========================================= *\/\r\n\r\n#nanoFundRoute,\r\n#nanoFundRoute * {\r\n  box-sizing: border-box;\r\n}\r\n\r\n#nanoFundRoute {\r\n  max-width: 820px;\r\n  margin: 34px auto;\r\n  padding: 30px;\r\n  border-radius: 24px;\r\n  background: linear-gradient(\r\n    135deg,\r\n    #1F234C 0%,\r\n    #332A7A 55%,\r\n    #5037C8 100%\r\n  );\r\n  box-shadow: 0 16px 36px rgba(40,32,110,.20);\r\n  color: #ffffff;\r\n  font-family: inherit;\r\n}\r\n\r\n\/* Badge *\/\r\n#nanoFundRoute .nano-route-badge {\r\n  display: inline-block;\r\n  margin: 0 0 16px;\r\n  padding: 8px 14px;\r\n  border: 1px solid rgba(255,255,255,.18);\r\n  border-radius: 999px;\r\n  background: rgba(255,255,255,.10);\r\n  color: #F4F2FF;\r\n  font-size: 14px;\r\n  font-weight: 700;\r\n  line-height: 1.4;\r\n}\r\n\r\n\/* Title *\/\r\n#nanoFundRoute .nano-route-title {\r\n  margin: 0 0 10px !important;\r\n  padding: 0 !important;\r\n  color: #ffffff !important;\r\n  font-size: 32px !important;\r\n  font-weight: 800 !important;\r\n  line-height: 1.2 !important;\r\n  text-transform: none !important;\r\n  letter-spacing: normal !important;\r\n}\r\n\r\n\/* Subtitle *\/\r\n#nanoFundRoute .nano-route-sub {\r\n  margin: 0 0 26px !important;\r\n  padding: 0 !important;\r\n  color: #E4E1FF !important;\r\n  font-size: 16px !important;\r\n  line-height: 1.7 !important;\r\n}\r\n\r\n\/* Progress *\/\r\n#nanoFundRoute .nano-route-progress-wrap {\r\n  margin: 0 0 26px;\r\n}\r\n\r\n#nanoFundRoute .nano-route-progress-label {\r\n  display: flex;\r\n  justify-content: space-between;\r\n  align-items: center;\r\n  gap: 12px;\r\n  margin-bottom: 8px;\r\n  color: #E8E5FF;\r\n  font-size: 13px;\r\n  font-weight: 600;\r\n}\r\n\r\n#nanoFundRoute .nano-route-progress {\r\n  width: 100%;\r\n  height: 9px;\r\n  overflow: hidden;\r\n  border-radius: 999px;\r\n  background: rgba(255,255,255,.14);\r\n}\r\n\r\n#nanoFundRoute .nano-route-progress-bar {\r\n  display: block;\r\n  width: 33.33%;\r\n  height: 100%;\r\n  border-radius: 999px;\r\n  background: #D9FF00;\r\n  transition: width .3s ease;\r\n}\r\n\r\n\/* Questions *\/\r\n#nanoFundRoute .nano-route-question {\r\n  display: none;\r\n}\r\n\r\n#nanoFundRoute .nano-route-question.active {\r\n  display: block;\r\n}\r\n\r\n#nanoFundRoute .nano-route-question h4 {\r\n  margin: 0 0 18px !important;\r\n  padding: 0 !important;\r\n  color: #ffffff !important;\r\n  font-size: 22px !important;\r\n  font-weight: 800 !important;\r\n  line-height: 1.4 !important;\r\n  text-transform: none !important;\r\n}\r\n\r\n\/* Answer cards *\/\r\n#nanoFundRoute button.nano-route-answer {\r\n  display: flex !important;\r\n  flex-direction: column !important;\r\n  align-items: flex-start !important;\r\n  justify-content: center !important;\r\n\r\n  width: 100% !important;\r\n  height: auto !important;\r\n  min-height: 82px !important;\r\n\r\n  margin: 0 0 13px !important;\r\n  padding: 16px 18px !important;\r\n\r\n  border: 1px solid transparent !important;\r\n  outline: none !important;\r\n  border-radius: 15px !important;\r\n\r\n  background: #ffffff !important;\r\n  background-image: none !important;\r\n\r\n  color: #21175C !important;\r\n\r\n  font-family: inherit !important;\r\n  font-size: 16px !important;\r\n  font-weight: 800 !important;\r\n  line-height: 1.4 !important;\r\n\r\n  text-align: left !important;\r\n  text-decoration: none !important;\r\n  text-transform: none !important;\r\n  letter-spacing: normal !important;\r\n\r\n  white-space: normal !important;\r\n  overflow: visible !important;\r\n\r\n  cursor: pointer !important;\r\n\r\n  appearance: none !important;\r\n  -webkit-appearance: none !important;\r\n\r\n  box-shadow: none !important;\r\n\r\n  transition:\r\n    transform .2s ease,\r\n    background .2s ease,\r\n    box-shadow .2s ease,\r\n    border-color .2s ease !important;\r\n}\r\n\r\n#nanoFundRoute button.nano-route-answer:hover {\r\n  transform: translateY(-2px) !important;\r\n  background: #F7F5FF !important;\r\n  border-color: #D9FF00 !important;\r\n  box-shadow: 0 8px 20px rgba(0,0,0,.12) !important;\r\n}\r\n\r\n#nanoFundRoute button.nano-route-answer:focus {\r\n  outline: 2px solid #D9FF00 !important;\r\n  outline-offset: 2px !important;\r\n}\r\n\r\n#nanoFundRoute button.nano-route-answer span {\r\n  display: block !important;\r\n  width: 100% !important;\r\n  height: auto !important;\r\n\r\n  margin: 5px 0 0 !important;\r\n  padding: 0 !important;\r\n\r\n  color: #6B648E !important;\r\n\r\n  font-family: inherit !important;\r\n  font-size: 14px !important;\r\n  font-weight: 500 !important;\r\n  line-height: 1.5 !important;\r\n\r\n  text-align: left !important;\r\n  text-transform: none !important;\r\n  letter-spacing: normal !important;\r\n\r\n  white-space: normal !important;\r\n  overflow: visible !important;\r\n}\r\n\r\n\/* Result *\/\r\n#nanoFundRoute .nano-route-result {\r\n  display: none;\r\n  padding-top: 4px;\r\n  text-align: center;\r\n}\r\n\r\n#nanoFundRoute .nano-route-icon {\r\n  margin-bottom: 10px;\r\n  font-size: 50px;\r\n  line-height: 1;\r\n}\r\n\r\n#nanoFundRoute .nano-route-tag {\r\n  display: inline-block;\r\n  margin: 0 0 15px;\r\n  padding: 8px 14px;\r\n  border-radius: 999px;\r\n  background: #D9FF00;\r\n  color: #171A34;\r\n  font-size: 13px;\r\n  font-weight: 800;\r\n  line-height: 1.4;\r\n}\r\n\r\n#nanoFundRoute .nano-route-result h3 {\r\n  margin: 0 0 12px !important;\r\n  padding: 0 !important;\r\n  color: #ffffff !important;\r\n  font-size: 29px !important;\r\n  font-weight: 800 !important;\r\n  line-height: 1.25 !important;\r\n  text-transform: none !important;\r\n}\r\n\r\n#nanoFundRoute .nano-route-result p {\r\n  max-width: 650px;\r\n  margin: 0 auto 14px !important;\r\n  padding: 0 !important;\r\n  color: #E7E4FF !important;\r\n  font-size: 16px !important;\r\n  line-height: 1.75 !important;\r\n}\r\n\r\n#nanoFundRoute .nano-route-result-note {\r\n  max-width: 650px;\r\n  margin: 14px auto 0;\r\n  padding: 14px 16px;\r\n  border-radius: 12px;\r\n  background: rgba(255,255,255,.08);\r\n  color: #D9D5F4;\r\n  font-size: 13px;\r\n  line-height: 1.6;\r\n}\r\n\r\n\/* Restart *\/\r\n#nanoFundRoute button.nano-route-restart {\r\n  display: inline-block !important;\r\n\r\n  width: auto !important;\r\n  height: auto !important;\r\n  min-height: 0 !important;\r\n\r\n  margin: 18px 0 0 !important;\r\n  padding: 12px 20px !important;\r\n\r\n  border: 1px solid rgba(255,255,255,.28) !important;\r\n  border-radius: 999px !important;\r\n\r\n  background: rgba(255,255,255,.10) !important;\r\n  background-image: none !important;\r\n\r\n  color: #ffffff !important;\r\n\r\n  font-family: inherit !important;\r\n  font-size: 14px !important;\r\n  font-weight: 700 !important;\r\n  line-height: 1.4 !important;\r\n\r\n  text-transform: none !important;\r\n\r\n  cursor: pointer !important;\r\n  appearance: none !important;\r\n  -webkit-appearance: none !important;\r\n}\r\n\r\n\/* Disclaimer *\/\r\n#nanoFundRoute .nano-route-disclaimer {\r\n  margin-top: 24px;\r\n  padding-top: 16px;\r\n  border-top: 1px solid rgba(255,255,255,.14);\r\n  color: #CFCBEF;\r\n  font-size: 12px;\r\n  line-height: 1.6;\r\n}\r\n\r\n\/* Mobile *\/\r\n@media (max-width: 600px) {\r\n\r\n  #nanoFundRoute {\r\n    margin: 28px auto;\r\n    padding: 22px 18px;\r\n    border-radius: 19px;\r\n  }\r\n\r\n  #nanoFundRoute .nano-route-title {\r\n    font-size: 27px !important;\r\n  }\r\n\r\n  #nanoFundRoute .nano-route-sub {\r\n    font-size: 15px !important;\r\n  }\r\n\r\n  #nanoFundRoute .nano-route-question h4 {\r\n    font-size: 19px !important;\r\n  }\r\n\r\n  #nanoFundRoute button.nano-route-answer {\r\n    min-height: 86px !important;\r\n    padding: 15px 16px !important;\r\n    font-size: 15px !important;\r\n  }\r\n\r\n  #nanoFundRoute button.nano-route-answer span {\r\n    font-size: 13px !important;\r\n  }\r\n\r\n  #nanoFundRoute .nano-route-result h3 {\r\n    font-size: 25px !important;\r\n  }\r\n\r\n  #nanoFundRoute .nano-route-result p {\r\n    font-size: 15px !important;\r\n  }\r\n}\r\n<\/style>\r\n\r\n\r\n<div id=\"nanoFundRoute\">\r\n\r\n  <div class=\"nano-route-badge\">\r\n    \ud83c\udfaf Panduan Interaktif Nanovest\r\n  <\/div>\r\n\r\n  <h2 class=\"nano-route-title\"><span class=\"ez-toc-section\" id=\"Temukan_Rute_Reksadanamu-2\"><\/span>\r\n    Temukan Rute Reksadanamu\r\n  <span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n  <p class=\"nano-route-sub\">\r\n    Jawab tiga pertanyaan singkat untuk melihat kategori reksa dana mana yang layak kamu pelajari lebih lanjut.\r\n  <\/p>\r\n\r\n\r\n  <!-- PROGRESS -->\r\n  <div class=\"nano-route-progress-wrap\">\r\n\r\n    <div class=\"nano-route-progress-label\">\r\n      <span id=\"nanoRouteStep\">Pertanyaan 1 dari 3<\/span>\r\n      <span id=\"nanoRoutePercent\">33%<\/span>\r\n    <\/div>\r\n\r\n    <div class=\"nano-route-progress\">\r\n      <div\r\n        class=\"nano-route-progress-bar\"\r\n        id=\"nanoRouteProgressBar\">\r\n      <\/div>\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n\r\n  <!-- QUESTION 1 -->\r\n  <div class=\"nano-route-question active\">\r\n\r\n    <h4><span class=\"ez-toc-section\" id=\"1_Kapan_dana_ini_kemungkinan_akan_digunakan\"><\/span>\r\n      1. Kapan dana ini kemungkinan akan digunakan?\r\n    <span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n\r\n    <button\r\n      class=\"nano-route-answer\"\r\n      data-route=\"conservative\"\r\n      type=\"button\">\r\n      A. Kurang dari 1 tahun\r\n      <span>\r\n        Dana kemungkinan dibutuhkan dalam waktu dekat.\r\n      <\/span>\r\n    <\/button>\r\n\r\n    <button\r\n      class=\"nano-route-answer\"\r\n      data-route=\"balanced\"\r\n      type=\"button\">\r\n      B. Sekitar 1\u20133 tahun\r\n      <span>\r\n        Masih ada waktu sebelum dana digunakan.\r\n      <\/span>\r\n    <\/button>\r\n\r\n    <button\r\n      class=\"nano-route-answer\"\r\n      data-route=\"growth\"\r\n      type=\"button\">\r\n      C. Lebih dari 5 tahun\r\n      <span>\r\n        Tujuannya masih cukup panjang.\r\n      <\/span>\r\n    <\/button>\r\n\r\n  <\/div>\r\n\r\n\r\n  <!-- QUESTION 2 -->\r\n  <div class=\"nano-route-question\">\r\n\r\n    <h4><span class=\"ez-toc-section\" id=\"2_Jika_nilai_investasi_turun_sementara_bagaimana_reaksimu\"><\/span>\r\n      2. Jika nilai investasi turun sementara, bagaimana reaksimu?\r\n    <span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n\r\n    <button\r\n      class=\"nano-route-answer\"\r\n      data-route=\"conservative\"\r\n      type=\"button\">\r\n      A. Sangat tidak nyaman\r\n      <span>\r\n        Saya lebih mengutamakan kestabilan.\r\n      <\/span>\r\n    <\/button>\r\n\r\n    <button\r\n      class=\"nano-route-answer\"\r\n      data-route=\"balanced\"\r\n      type=\"button\">\r\n      B. Masih bisa menunggu\r\n      <span>\r\n        Selama masih sesuai dengan tujuan investasi awal.\r\n      <\/span>\r\n    <\/button>\r\n\r\n    <button\r\n      class=\"nano-route-answer\"\r\n      data-route=\"growth\"\r\n      type=\"button\">\r\n      C. Tidak terlalu masalah\r\n      <span>\r\n        Saya memahami adanya fluktuasi untuk tujuan jangka panjang.\r\n      <\/span>\r\n    <\/button>\r\n\r\n  <\/div>\r\n\r\n\r\n  <!-- QUESTION 3 -->\r\n  <div class=\"nano-route-question\">\r\n\r\n    <h4><span class=\"ez-toc-section\" id=\"3_Seberapa_penting_akses_terhadap_dana\"><\/span>\r\n      3. Seberapa penting akses terhadap dana?\r\n    <span class=\"ez-toc-section-end\"><\/span><\/h4>\r\n\r\n    <button\r\n      class=\"nano-route-answer\"\r\n      data-route=\"conservative\"\r\n      type=\"button\">\r\n      A. Sangat penting\r\n      <span>\r\n        Saya ingin dana relatif mudah diakses ketika dibutuhkan.\r\n      <\/span>\r\n    <\/button>\r\n\r\n    <button\r\n      class=\"nano-route-answer\"\r\n      data-route=\"balanced\"\r\n      type=\"button\">\r\n      B. Cukup penting\r\n      <span>\r\n        Saya masih membutuhkan fleksibilitas, tetapi tidak setiap saat.\r\n      <\/span>\r\n    <\/button>\r\n\r\n    <button\r\n      class=\"nano-route-answer\"\r\n      data-route=\"growth\"\r\n      type=\"button\">\r\n      C. Tidak terlalu penting\r\n      <span>\r\n        Dana memang disiapkan untuk tujuan yang masih cukup jauh.\r\n      <\/span>\r\n    <\/button>\r\n\r\n  <\/div>\r\n\r\n\r\n  <!-- RESULT -->\r\n  <div\r\n    class=\"nano-route-result\"\r\n    id=\"nanoRouteResult\">\r\n  <\/div>\r\n\r\n\r\n  <!-- DISCLAIMER -->\r\n  <div class=\"nano-route-disclaimer\">\r\n    Fitur ini hanya merupakan alat edukasi sederhana dan bukan rekomendasi produk, saran investasi, atau penilaian profil risiko resmi. Selalu lakukan riset mandiri sebelum mengambil keputusan investasi.\r\n  <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<script>\r\n(function () {\r\n\r\n  var wrap = document.getElementById('nanoFundRoute');\r\n\r\n  if (!wrap) {\r\n    return;\r\n  }\r\n\r\n  var questions =\r\n    wrap.querySelectorAll('.nano-route-question');\r\n\r\n  var answers =\r\n    wrap.querySelectorAll('button.nano-route-answer');\r\n\r\n  var resultBox =\r\n    wrap.querySelector('#nanoRouteResult');\r\n\r\n  var progressWrap =\r\n    wrap.querySelector('.nano-route-progress-wrap');\r\n\r\n  var progressBar =\r\n    wrap.querySelector('#nanoRouteProgressBar');\r\n\r\n  var stepText =\r\n    wrap.querySelector('#nanoRouteStep');\r\n\r\n  var percentText =\r\n    wrap.querySelector('#nanoRoutePercent');\r\n\r\n\r\n  var currentStep = 0;\r\n\r\n  var scores = {\r\n    conservative: 0,\r\n    balanced: 0,\r\n    growth: 0\r\n  };\r\n\r\n\r\n  function updateProgress() {\r\n\r\n    var percent =\r\n      ((currentStep + 1) \/ questions.length) * 100;\r\n\r\n    progressBar.style.width =\r\n      percent + '%';\r\n\r\n    stepText.textContent =\r\n      'Pertanyaan ' +\r\n      (currentStep + 1) +\r\n      ' dari ' +\r\n      questions.length;\r\n\r\n    percentText.textContent =\r\n      Math.round(percent) + '%';\r\n  }\r\n\r\n\r\n  function getHighestScore() {\r\n\r\n    var max =\r\n      Math.max(\r\n        scores.conservative,\r\n        scores.balanced,\r\n        scores.growth\r\n      );\r\n\r\n    var winners = [];\r\n\r\n    if (scores.conservative === max) {\r\n      winners.push('conservative');\r\n    }\r\n\r\n    if (scores.balanced === max) {\r\n      winners.push('balanced');\r\n    }\r\n\r\n    if (scores.growth === max) {\r\n      winners.push('growth');\r\n    }\r\n\r\n    if (winners.length > 1) {\r\n      return 'explore';\r\n    }\r\n\r\n    return winners[0];\r\n  }\r\n\r\n\r\n  function showResult() {\r\n\r\n    for (var i = 0; i < questions.length; i++) {\r\n      questions[i].classList.remove('active');\r\n    }\r\n\r\n    progressWrap.style.display = 'none';\r\n\r\n    var route = getHighestScore();\r\n\r\n    var html = '';\r\n\r\n\r\n    if (route === 'conservative') {\r\n\r\n      html =\r\n        '<div class=\"nano-route-icon\">\ud83d\udfe2<\/div>' +\r\n\r\n        '<div class=\"nano-route-tag\">' +\r\n        'CONSERVATIVE ROUTE' +\r\n        '<\/div>' +\r\n\r\n        '<h3><span class=\"ez-toc-section\" id=\"_Pelajari_Reksa_Dana_Pasar_Uang\"><\/span>' +\r\n        'Pelajari Reksa Dana Pasar Uang' +\r\n        '<span class=\"ez-toc-section-end\"><\/span><\/h3>' +\r\n\r\n        '<p>' +\r\n        'Jawabanmu menunjukkan bahwa horizon investasi relatif pendek, akses dana cukup penting, atau kamu kurang nyaman dengan fluktuasi besar. Reksa Dana Pasar Uang dapat menjadi salah satu kategori yang layak dipelajari lebih lanjut.' +\r\n        '<\/p>';\r\n    }\r\n\r\n\r\n    else if (route === 'balanced') {\r\n\r\n      html =\r\n        '<div class=\"nano-route-icon\">\ud83d\udfe1<\/div>' +\r\n\r\n        '<div class=\"nano-route-tag\">' +\r\n        'BALANCED ROUTE' +\r\n        '<\/div>' +\r\n\r\n        '<h3><span class=\"ez-toc-section\" id=\"_Pelajari_Reksa_Dana_Pendapatan_Tetap_atau_Campuran\"><\/span>' +\r\n        'Pelajari Reksa Dana Pendapatan Tetap atau Campuran' +\r\n        '<span class=\"ez-toc-section-end\"><\/span><\/h3>' +\r\n\r\n        '<p>' +\r\n        'Jawabanmu menunjukkan adanya keseimbangan antara horizon investasi, fleksibilitas dana, dan toleransi terhadap fluktuasi. Kamu dapat mempelajari lebih lanjut karakter Reksa Dana Pendapatan Tetap maupun Campuran.' +\r\n        '<\/p>';\r\n    }\r\n\r\n\r\n    else if (route === 'growth') {\r\n\r\n      html =\r\n        '<div class=\"nano-route-icon\">\ud83d\udfe3<\/div>' +\r\n\r\n        '<div class=\"nano-route-tag\">' +\r\n        'GROWTH ROUTE' +\r\n        '<\/div>' +\r\n\r\n        '<h3><span class=\"ez-toc-section\" id=\"_Pelajari_Reksa_Dana_Saham\"><\/span>' +\r\n        'Pelajari Reksa Dana Saham' +\r\n        '<span class=\"ez-toc-section-end\"><\/span><\/h3>' +\r\n\r\n        '<p>' +\r\n        'Jawabanmu menunjukkan horizon investasi yang lebih panjang serta toleransi yang lebih tinggi terhadap perubahan nilai. Reksa Dana Saham dapat menjadi salah satu kategori yang layak kamu pelajari lebih lanjut.' +\r\n        '<\/p>';\r\n    }\r\n\r\n\r\n    else {\r\n\r\n      html =\r\n        '<div class=\"nano-route-icon\">\u2696\ufe0f<\/div>' +\r\n\r\n        '<div class=\"nano-route-tag\">' +\r\n        'EXPLORE MORE' +\r\n        '<\/div>' +\r\n\r\n        '<h3><span class=\"ez-toc-section\" id=\"_Kebutuhanmu_Belum_Mengarah_ke_Satu_Kategori\"><\/span>' +\r\n        'Kebutuhanmu Belum Mengarah ke Satu Kategori' +\r\n        '<span class=\"ez-toc-section-end\"><\/span><\/h3>' +\r\n\r\n        '<p>' +\r\n        'Jawabanmu menunjukkan kebutuhan yang cukup beragam. Sebelum memilih, bandingkan beberapa jenis reksa dana, baca prospektus dan fund fact sheet, serta pahami risiko masing-masing kategori.' +\r\n        '<\/p>';\r\n    }\r\n\r\n\r\n    html +=\r\n      '<div class=\"nano-route-result-note\">' +\r\n      'Hasil ini membantu memetakan kategori yang dapat dipelajari, bukan menentukan produk investasi yang harus dibeli.' +\r\n      '<\/div>' +\r\n\r\n      '<button ' +\r\n      'class=\"nano-route-restart\" ' +\r\n      'type=\"button\" ' +\r\n      'id=\"nanoRouteRestart\">' +\r\n      'Ulangi Tes' +\r\n      '<\/button>';\r\n\r\n\r\n    resultBox.innerHTML = html;\r\n    resultBox.style.display = 'block';\r\n\r\n\r\n    var restartButton =\r\n      wrap.querySelector('#nanoRouteRestart');\r\n\r\n    if (restartButton) {\r\n      restartButton.addEventListener(\r\n        'click',\r\n        restartQuiz\r\n      );\r\n    }\r\n\r\n  }\r\n\r\n\r\n  function restartQuiz() {\r\n\r\n    currentStep = 0;\r\n\r\n    scores.conservative = 0;\r\n    scores.balanced = 0;\r\n    scores.growth = 0;\r\n\r\n    resultBox.style.display = 'none';\r\n    resultBox.innerHTML = '';\r\n\r\n    progressWrap.style.display = 'block';\r\n\r\n    for (var i = 0; i < questions.length; i++) {\r\n      questions[i].classList.remove('active');\r\n    }\r\n\r\n    questions[0].classList.add('active');\r\n\r\n    updateProgress();\r\n  }\r\n\r\n\r\n  for (var i = 0; i < answers.length; i++) {\r\n\r\n    answers[i].addEventListener(\r\n      'click',\r\n      function () {\r\n\r\n        var route =\r\n          this.getAttribute('data-route');\r\n\r\n        scores[route]++;\r\n\r\n        questions[currentStep]\r\n          .classList\r\n          .remove('active');\r\n\r\n        currentStep++;\r\n\r\n\r\n        if (currentStep < questions.length) {\r\n\r\n          questions[currentStep]\r\n            .classList\r\n            .add('active');\r\n\r\n          updateProgress();\r\n\r\n        }\r\n\r\n        else {\r\n\r\n          showResult();\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n  }\r\n\r\n\r\n  updateProgress();\r\n\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-440002e elementor-widget elementor-widget-heading\" data-id=\"440002e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"7_Cara_Investasi_Reksadana_untuk_Pemula\"><\/span>7 Cara Investasi Reksadana untuk Pemula<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-211c95d elementor-widget elementor-widget-text-editor\" data-id=\"211c95d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"ez-toc-section\" id=\"1_Mulai_dari_Tujuan_Keuangan_Bukan_Return\"><\/span><b>1. Mulai dari Tujuan Keuangan, Bukan Return<\/b><b>\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Langkah pertama dalam cara investasi reksadana justru menentukan untuk apa dana tersebut akan digunakan. Beberapa contoh tujuan yang umum antara lain dana liburan, biaya pendidikan, uang muka rumah, membeli kendaraan, dana pensiun, atau membangun aset jangka panjang.<\/span><\/p><p><span style=\"font-weight: 400;\">Tujuan tersebut menentukan berapa lama uang dapat diinvestasikan dan seberapa besar fluktuasi yang realistis untuk diterima. Sebelum mencari produk, coba tuliskan tiga hal:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Target dana: <\/b><span style=\"font-weight: 400;\">Berapa nominal yang ingin dicapai?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Waktu penggunaan: <\/b><span style=\"font-weight: 400;\">Kapan uang tersebut akan dibutuhkan?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prioritas utama: <\/b><span style=\"font-weight: 400;\">Apakah kestabilan, fleksibilitas, atau potensi pertumbuhan?<\/span><\/li><\/ul><h3><span class=\"ez-toc-section\" id=\"2_Tentukan_Horizon_Investasi\"><\/span><b>2. Tentukan Horizon Investasi<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Horizon investasi adalah jangka waktu antara saat dana mulai ditempatkan dan saat dana tersebut diperkirakan akan digunakan.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbc2375 elementor-widget elementor-widget-tablepress-table\" data-id=\"dbc2375\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tablepress-table.default\">\n\t\t\t\t\t\n<table id=\"tablepress-176\" class=\"tablepress tablepress-id-176\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Horizon<\/strong><\/th><th class=\"column-2\"><strong>Kategori yang Dapat Dipelajari<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Relatif pendek<\/td><td class=\"column-2\">Reksa Dana Pasar Uang<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Menengah<\/td><td class=\"column-2\">Reksa Dana Pendapatan Tetap<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Panjang<\/td><td class=\"column-2\">Reksa Dana Saham<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-176 from cache -->\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3edc7b0 elementor-widget elementor-widget-text-editor\" data-id=\"3edc7b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Intinya, waktu merupakan salah satu filter utama sebelum memilih risiko.\u00a0<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"3_Kenali_Profil_Risiko_dengan_Lebih_Realistis\"><\/span><b>3. Kenali Profil Risiko dengan Lebih Realistis\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Pertanyaan yang lebih berguna adalah: Apa yang akan kamu lakukan ketika nilai investasi benar-benar turun?<\/span><\/p><p><span style=\"font-weight: 400;\">Reksa dana tetap memiliki risiko penurunan nilai Unit Penyertaan. OJK antara lain mencantumkan risiko berkurangnya nilai Unit Penyertaan dan risiko likuiditas sebagai risiko yang dapat melekat pada reksa dana.<\/span><\/p><p><span style=\"font-weight: 400;\">Toleransi risiko perlu dilihat dari dua sisi:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kemampuan menanggung risiko: <\/b><span style=\"font-weight: 400;\">Apakah kondisi keuangan memungkinkan dana tetap diinvestasikan ketika pasar turun?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kenyamanan menghadapi risiko:<\/b><span style=\"font-weight: 400;\"> Seberapa besar penurunan yang masih membuatmu mampu berpegang pada rencana?<\/span><\/li><\/ul><h3><span class=\"ez-toc-section\" id=\"4_Pilih_Jenis_Reksadana_yang_Sesuai\"><\/span><b>4. Pilih Jenis Reksadana yang Sesuai\u00a0\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Setelah mengetahui tujuan, horizon, dan toleransi risiko, barulah masuk ke pemilihan kategori.<\/span><\/p><p><span style=\"font-weight: 400;\">Empat jenis yang umum dikenal adalah:<\/span><\/p><p><b>Reksa Dana Pasar Uang<\/b><\/p><p><span style=\"font-weight: 400;\">Portofolionya berfokus pada instrumen pasar uang dan surat utang dengan jangka waktu pendek. Jenis ini umumnya memiliki fluktuasi relatif lebih rendah dibanding kategori lain, tetapi bukan berarti bebas risiko.<\/span><\/p><p><b>Reksa Dana Pendapatan Tetap<\/b><\/p><p><span style=\"font-weight: 400;\">Sebagian besar dana ditempatkan pada surat utang. Nilainya dapat berubah mengikuti pergerakan harga obligasi, suku bunga, serta kondisi penerbit surat utang.<\/span><\/p><p><b>Reksa Dana Campuran<\/b><\/p><p><span style=\"font-weight: 400;\">Menggabungkan beberapa kelas aset seperti saham dan obligasi. Karakteristik risikonya sangat dipengaruhi oleh komposisi masing-masing produk.<\/span><\/p><p><b>Reksa Dana Saham<\/b><\/p><p><span style=\"font-weight: 400;\">Sebagian besar portofolio ditempatkan pada efek saham sehingga potensi fluktuasinya relatif lebih besar. Jenis ini umumnya lebih relevan dipelajari untuk tujuan jangka panjang oleh investor yang memahami dan mampu menerima perubahan nilai yang lebih tinggi.<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"5_Jangan_Pilih_Produk_Hanya_dari_Return_Tertinggi\"><\/span><b>5. Jangan Pilih Produk Hanya dari Return Tertinggi <\/b><b>\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Selain kinerja historis, periksa beberapa hal berikut.<\/span><\/p><p><b>Fund Fact Sheet<\/b><\/p><p><span style=\"font-weight: 400;\">Fund fact sheet memberikan gambaran ringkas mengenai produk, biasanya mencakup kebijakan investasi, komposisi portofolio, kinerja historis, benchmark, aset terbesar, tingkat risiko, dan informasi Manajer Investasi. Dokumen ini berguna untuk pengecekan awal sebelum membaca informasi yang lebih lengkap.<\/span><\/p><p><b>Prospektus<\/b><\/p><p><span style=\"font-weight: 400;\">Prospektus menyediakan informasi yang jauh lebih mendalam mengenai reksa dana. POJK mengenai bentuk dan isi prospektus mengatur berbagai informasi yang perlu disampaikan, termasuk tujuan dan kebijakan investasi, Manajer Investasi, Bank Kustodian, biaya, serta faktor risiko.<\/span><\/p><p><span style=\"font-weight: 400;\">Jangan melewati dokumen ini hanya karena terlihat panjang. Setidaknya pahami produk berinvestasi ke mana, batasan portofolio, risiko utama, biaya yang dikenakan, dan mekanisme pembelian dan penjualan kembali.<\/span><\/p><p><b>Manajer Investasi<\/b><\/p><p><span style=\"font-weight: 400;\">Periksa siapa pihak yang mengelola dana. OJK mendefinisikan Manajer Investasi sebagai pihak yang kegiatan usahanya mengelola portofolio efek untuk nasabah atau portofolio investasi kolektif. Ketentuan penyelenggaraan kegiatan usaha Manajer Investasi juga terus diperbarui, termasuk melalui POJK 5 Tahun 2026.<\/span><\/p><p><span style=\"font-weight: 400;\">Beberapa indikator yang dapat dipelajari: pengalaman, rekam jejak, konsistensi strategi, kualitas komunikasi, kepatuhan, dan produk lain yang dikelola.<\/span><\/p><p><b>Dana Kelolaan atau AUM<\/b><\/p><p><span style=\"font-weight: 400;\">Assets Under Management (AUM) menunjukkan besarnya dana yang dikelola dalam suatu produk atau oleh Manajer Investasi. AUM yang besar bukan jaminan return lebih baik. Namun, angka tersebut dapat menjadi salah satu data tambahan untuk memahami skala produk.<\/span><\/p><p><b>Benchmark<\/b><\/p><p><span style=\"font-weight: 400;\">Jangan hanya bertanya &#8220;return-nya berapa?&#8221;. Tanyakan juga<\/span> <span style=\"font-weight: 400;\">\u201cDibanding apa?&#8221;. Kinerja reksa dana perlu dilihat terhadap benchmark yang sesuai, bukan sekadar angka absolut.<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"6_Mulai_dengan_Nominal_yang_Nyaman\"><\/span><b>6. Mulai dengan Nominal yang Nyaman<\/b><b>\u00a0\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Salah satu kelebihan reksa dana bagi pemula adalah minimum pembelian pada sejumlah produk dapat relatif terjangkau. Besaran minimum berbeda pada setiap produk dan platform, sehingga perlu diperiksa sebelum melakukan transaksi.<\/span><\/p><p><span style=\"font-weight: 400;\">Namun, nominal awal sebenarnya bukan keputusan terpenting. Yang lebih penting adalah memastikan uang tersebut bukan dana kebutuhan sehari-hari, bukan dana yang akan segera digunakan, tidak mengganggu dana darurat, dan sesuai dengan kemampuan finansial.<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"7_Pantau_Tujuan_Bukan_Grafik_Setiap_Hari\"><\/span><b>7. Pantau Tujuan, Bukan Grafik Setiap Hari\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"font-weight: 400;\">Berinvestasi reksa dana bukan berarti portofolio harus dilihat setiap beberapa jam. Frekuensi evaluasi sebaiknya mengikuti tujuan dan karakter produk. Hal yang lebih penting untuk dipantau antara lain apakah tujuan keuangan berubah, apakah horizon investasi semakin dekat, apakah kinerja konsisten terhadap benchmark, apakah strategi produk mengalami perubahan, dan apakah profil risiko pribadi berubah.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8087389 elementor-widget elementor-widget-heading\" data-id=\"8087389\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Uji_Responsmu_Saat_Pasar_Turun\"><\/span>Uji Responsmu Saat Pasar Turun<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc916ef elementor-widget elementor-widget-html\" data-id=\"bc916ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\/* =========================================\r\n   NANOVEST - MARKET DROP CHALLENGE\r\n   ========================================= *\/\r\n\r\n#nanoMarketDrop,\r\n#nanoMarketDrop * {\r\n  box-sizing: border-box;\r\n}\r\n\r\n#nanoMarketDrop {\r\n  max-width: 820px;\r\n  margin: 34px auto;\r\n  padding: 30px;\r\n  border-radius: 24px;\r\n  background: linear-gradient(\r\n    135deg,\r\n    #1F234C 0%,\r\n    #332A7A 55%,\r\n    #5037C8 100%\r\n  );\r\n  box-shadow: 0 16px 36px rgba(40,32,110,.20);\r\n  color: #ffffff;\r\n  font-family: inherit;\r\n}\r\n\r\n\/* Badge *\/\r\n#nanoMarketDrop .nano-drop-badge {\r\n  display: inline-block;\r\n  margin: 0 0 16px;\r\n  padding: 8px 14px;\r\n  border: 1px solid rgba(255,255,255,.18);\r\n  border-radius: 999px;\r\n  background: rgba(255,255,255,.10);\r\n  color: #F4F2FF;\r\n  font-size: 14px;\r\n  font-weight: 700;\r\n  line-height: 1.4;\r\n}\r\n\r\n\/* Title *\/\r\n#nanoMarketDrop .nano-drop-title {\r\n  margin: 0 0 10px !important;\r\n  padding: 0 !important;\r\n  color: #ffffff !important;\r\n  font-size: 32px !important;\r\n  font-weight: 800 !important;\r\n  line-height: 1.2 !important;\r\n  text-transform: none !important;\r\n  letter-spacing: normal !important;\r\n}\r\n\r\n\/* Scenario *\/\r\n#nanoMarketDrop .nano-drop-scenario {\r\n  margin: 0 0 24px !important;\r\n  padding: 17px 18px !important;\r\n  border: 1px solid rgba(255,255,255,.15);\r\n  border-radius: 15px;\r\n  background: rgba(255,255,255,.08);\r\n  color: #ECE9FF !important;\r\n  font-size: 16px !important;\r\n  line-height: 1.7 !important;\r\n}\r\n\r\n#nanoMarketDrop .nano-drop-scenario strong {\r\n  color: #D9FF00 !important;\r\n}\r\n\r\n\/* Question *\/\r\n#nanoMarketDrop .nano-drop-question {\r\n  margin: 0 0 18px !important;\r\n  padding: 0 !important;\r\n  color: #ffffff !important;\r\n  font-size: 21px 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none !important;\r\n  letter-spacing: normal !important;\r\n\r\n  white-space: normal !important;\r\n  overflow: visible !important;\r\n\r\n  cursor: pointer !important;\r\n\r\n  appearance: none !important;\r\n  -webkit-appearance: none !important;\r\n\r\n  box-shadow: none !important;\r\n\r\n  transition:\r\n    transform .2s ease,\r\n    background .2s ease,\r\n    box-shadow .2s ease,\r\n    border-color .2s ease,\r\n    opacity .2s ease !important;\r\n}\r\n\r\n#nanoMarketDrop button.nano-drop-answer:hover {\r\n  transform: translateY(-2px) !important;\r\n  background: #F7F5FF !important;\r\n  border-color: #D9FF00 !important;\r\n  box-shadow: 0 8px 20px rgba(0,0,0,.12) !important;\r\n}\r\n\r\n#nanoMarketDrop button.nano-drop-answer:focus {\r\n  outline: 2px solid #D9FF00 !important;\r\n  outline-offset: 2px !important;\r\n}\r\n\r\n#nanoMarketDrop button.nano-drop-answer span {\r\n  display: block !important;\r\n  width: 100% !important;\r\n  height: auto !important;\r\n\r\n  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inline-block;\r\n  margin: 0 0 11px;\r\n  padding: 7px 13px;\r\n  border-radius: 999px;\r\n  background: #D9FF00;\r\n  color: #171A34;\r\n  font-size: 13px;\r\n  font-weight: 800;\r\n  line-height: 1.4;\r\n}\r\n\r\n\/* Result heading *\/\r\n#nanoMarketDrop .nano-drop-result h3 {\r\n  margin: 0 0 10px !important;\r\n  padding: 0 !important;\r\n  color: #21175C !important;\r\n  font-size: 25px !important;\r\n  font-weight: 800 !important;\r\n  line-height: 1.3 !important;\r\n  text-transform: none !important;\r\n}\r\n\r\n\/* Result copy *\/\r\n#nanoMarketDrop .nano-drop-result p {\r\n  margin: 0 0 12px !important;\r\n  padding: 0 !important;\r\n  color: #5B5577 !important;\r\n  font-size: 15px !important;\r\n  line-height: 1.7 !important;\r\n}\r\n\r\n#nanoMarketDrop .nano-drop-result-note {\r\n  margin-top: 14px;\r\n  padding: 13px 15px;\r\n  border-radius: 12px;\r\n  background: #F5F3FF;\r\n  color: #5B5577;\r\n  font-size: 13px;\r\n  line-height: 1.6;\r\n}\r\n\r\n\/* Reset button *\/\r\n#nanoMarketDrop button.nano-drop-reset {\r\n  display: inline-block !important;\r\n\r\n  width: auto !important;\r\n  height: auto !important;\r\n  min-height: 0 !important;\r\n\r\n  margin: 16px 0 0 !important;\r\n  padding: 11px 18px !important;\r\n\r\n  border: 0 !important;\r\n  border-radius: 999px !important;\r\n\r\n  background: #4F46E5 !important;\r\n  background-image: none !important;\r\n\r\n  color: #ffffff !important;\r\n\r\n  font-family: inherit !important;\r\n  font-size: 14px !important;\r\n  font-weight: 700 !important;\r\n  line-height: 1.4 !important;\r\n\r\n  text-transform: none !important;\r\n  letter-spacing: normal !important;\r\n\r\n  cursor: pointer !important;\r\n\r\n  appearance: none !important;\r\n  -webkit-appearance: none !important;\r\n}\r\n\r\n\/* Disclaimer *\/\r\n#nanoMarketDrop .nano-drop-disclaimer {\r\n  margin-top: 22px;\r\n  padding-top: 16px;\r\n  border-top: 1px solid rgba(255,255,255,.14);\r\n  color: #CFCBEF;\r\n  font-size: 12px;\r\n  line-height: 1.6;\r\n}\r\n\r\n\/* Mobile *\/\r\n@media (max-width: 600px) {\r\n\r\n  #nanoMarketDrop {\r\n    margin: 28px auto;\r\n    padding: 22px 18px;\r\n    border-radius: 19px;\r\n  }\r\n\r\n  #nanoMarketDrop .nano-drop-title {\r\n    font-size: 27px !important;\r\n  }\r\n\r\n  #nanoMarketDrop .nano-drop-scenario {\r\n    font-size: 15px !important;\r\n  }\r\n\r\n  #nanoMarketDrop .nano-drop-question {\r\n    font-size: 19px !important;\r\n  }\r\n\r\n  #nanoMarketDrop button.nano-drop-answer {\r\n    min-height: 86px !important;\r\n    padding: 15px 16px !important;\r\n    font-size: 15px !important;\r\n  }\r\n\r\n  #nanoMarketDrop button.nano-drop-answer span {\r\n    font-size: 13px !important;\r\n  }\r\n\r\n  #nanoMarketDrop .nano-drop-result h3 {\r\n    font-size: 22px !important;\r\n  }\r\n}\r\n<\/style>\r\n\r\n\r\n<div id=\"nanoMarketDrop\">\r\n\r\n  <div class=\"nano-drop-badge\">\r\n    \ud83d\udcc9 Market Drop Challenge\r\n  <\/div>\r\n\r\n  <h2 class=\"nano-drop-title\"><span class=\"ez-toc-section\" id=\"Portofoliomu_Turun_Apa_yang_Kamu_Lakukan\"><\/span>\r\n    Portofoliomu Turun. Apa yang Kamu Lakukan?\r\n  <span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n  <div class=\"nano-drop-scenario\">\r\n    Reksa dana yang kamu miliki turun <strong>7%<\/strong> dalam beberapa minggu.\r\n    Tujuan investasimu masih <strong>3 tahun lagi<\/strong>.\r\n    Apa respons pertamamu?\r\n  <\/div>\r\n\r\n\r\n  <div class=\"nano-drop-question\">\r\n    Pilih respons yang paling mendekati reaksimu.\r\n  <\/div>\r\n\r\n\r\n  <button\r\n    class=\"nano-drop-answer\"\r\n    data-result=\"sensitive\"\r\n    type=\"button\">\r\n    A. Jual semuanya sekarang\r\n    <span>\r\n      Saya tidak nyaman melihat nilai investasi turun.\r\n    <\/span>\r\n  <\/button>\r\n\r\n\r\n  <button\r\n    class=\"nano-drop-answer\"\r\n    data-result=\"measured\"\r\n    type=\"button\">\r\n    B. Cek penyebab penurunan dan evaluasi tujuan\r\n    <span>\r\n      Saya ingin memahami dulu apakah strategi awal masih relevan.\r\n    <\/span>\r\n  <\/button>\r\n\r\n\r\n  <button\r\n    class=\"nano-drop-answer\"\r\n    data-result=\"highrisk\"\r\n    type=\"button\">\r\n    C. Langsung tambah banyak karena lebih murah\r\n    <span>\r\n      Saya siap mengambil risiko lebih tinggi meskipun belum mengecek kondisi portofolio.\r\n    <\/span>\r\n  <\/button>\r\n\r\n\r\n  <button\r\n    class=\"nano-drop-answer\"\r\n    data-result=\"uncertain\"\r\n    type=\"button\">\r\n    D. Tidak tahu harus melakukan apa\r\n    <span>\r\n      Saya belum yakin bagaimana sebaiknya merespons penurunan pasar.\r\n    <\/span>\r\n  <\/button>\r\n\r\n\r\n  <div\r\n    class=\"nano-drop-result\"\r\n    id=\"nanoDropResult\">\r\n  <\/div>\r\n\r\n\r\n  <div class=\"nano-drop-disclaimer\">\r\n    Fitur ini merupakan simulasi edukatif sederhana dan bukan penilaian profil risiko resmi, rekomendasi produk, atau saran investasi.\r\n  <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<script>\r\n(function () {\r\n\r\n  var wrap =\r\n    document.getElementById('nanoMarketDrop');\r\n\r\n  if (!wrap) {\r\n    return;\r\n  }\r\n\r\n\r\n  var answers =\r\n    wrap.querySelectorAll('button.nano-drop-answer');\r\n\r\n  var resultBox =\r\n    wrap.querySelector('#nanoDropResult');\r\n\r\n\r\n  var results = {\r\n\r\n    sensitive: {\r\n      tag: 'SENSITIVITAS VOLATILITAS TINGGI',\r\n      title: 'Kamu Cukup Sensitif terhadap Penurunan Nilai',\r\n      text:\r\n        'Keinginan untuk segera menjual ketika nilai investasi turun dapat menunjukkan bahwa perubahan harga cukup memengaruhi kenyamananmu. Sebelum memilih produk dengan fluktuasi tinggi, pertimbangkan kembali toleransi risiko dan horizon investasimu.',\r\n      note:\r\n        'Penurunan pasar tidak otomatis berarti harus menjual, tetapi juga tidak boleh diabaikan. Evaluasi tetap perlu melihat kondisi produk, tujuan investasi, dan kebutuhan dana.'\r\n    },\r\n\r\n    measured: {\r\n      tag: 'RESPONS LEBIH TERUKUR',\r\n      title: 'Kamu Cenderung Mengevaluasi Sebelum Bertindak',\r\n      text:\r\n        'Mengecek penyebab penurunan, kondisi produk, dan tujuan investasi sebelum mengambil keputusan menunjukkan pendekatan yang lebih terukur terhadap volatilitas.',\r\n      note:\r\n        'Tetap ingat bahwa hasil evaluasi dapat berbeda pada setiap situasi. Tidak ada keputusan yang otomatis tepat hanya karena pasar sedang naik atau turun.'\r\n    },\r\n\r\n    highrisk: {\r\n      tag: 'TOLERANSI RISIKO RELATIF TINGGI',\r\n      title: 'Kamu Tampak Nyaman dengan Risiko, Tapi Jangan Lupakan Analisis',\r\n      text:\r\n        'Keinginan menambah investasi ketika harga turun dapat menunjukkan toleransi yang lebih tinggi terhadap volatilitas. Namun, membeli hanya karena harga lebih rendah tanpa memahami penyebab penurunan juga dapat meningkatkan risiko.',\r\n      note:\r\n        'Harga yang turun belum tentu berarti aset menjadi menarik. Tetap periksa fundamental, strategi produk, horizon investasi, dan kesesuaiannya dengan tujuanmu.'\r\n    },\r\n\r\n    uncertain: {\r\n      tag: 'PERLU MEMAHAMI RISIKO LEBIH JAUH',\r\n      title: 'Tidak Tahu Harus Bertindak Itu Wajar, Tapi Jangan Buru-Buru',\r\n      text:\r\n        'Jika penurunan pasar membuatmu bingung, ini dapat menjadi tanda bahwa kamu perlu memahami karakter produk dan risiko investasinya lebih dalam sebelum meningkatkan eksposur.',\r\n      note:\r\n        'Fund fact sheet, prospektus, tujuan investasi, horizon waktu, dan profil risiko dapat menjadi titik awal sebelum membuat keputusan.'\r\n    }\r\n\r\n  };\r\n\r\n\r\n  function resetChallenge() {\r\n\r\n    resultBox.style.display = 'none';\r\n    resultBox.innerHTML = '';\r\n\r\n    for (var i = 0; i < answers.length; i++) {\r\n      answers[i].style.opacity = '1';\r\n      answers[i].classList.remove('nano-drop-selected');\r\n    }\r\n\r\n  }\r\n\r\n\r\n  for (var i = 0; i < answers.length; i++) {\r\n\r\n    answers[i].addEventListener(\r\n      'click',\r\n      function () {\r\n\r\n        var type =\r\n          this.getAttribute('data-result');\r\n\r\n        var data =\r\n          results[type];\r\n\r\n\r\n        for (var j = 0; j < answers.length; j++) {\r\n          answers[j].style.opacity = '.55';\r\n          answers[j].classList.remove('nano-drop-selected');\r\n        }\r\n\r\n\r\n        this.style.opacity = '1';\r\n        this.classList.add('nano-drop-selected');\r\n\r\n\r\n        resultBox.innerHTML =\r\n\r\n          '<div class=\"nano-drop-result-tag\">' +\r\n          data.tag +\r\n          '<\/div>' +\r\n\r\n          '<h3><span class=\"ez-toc-section\" id=\"_datatitle\"><\/span>' +\r\n          data.title +\r\n          '<span class=\"ez-toc-section-end\"><\/span><\/h3>' +\r\n\r\n          '<p>' +\r\n          data.text +\r\n          '<\/p>' +\r\n\r\n          '<div class=\"nano-drop-result-note\">' +\r\n          data.note +\r\n          '<\/div>' +\r\n\r\n          '<button ' +\r\n          'class=\"nano-drop-reset\" ' +\r\n          'type=\"button\" ' +\r\n          'id=\"nanoDropReset\">' +\r\n          'Coba Jawaban Lain' +\r\n          '<\/button>';\r\n\r\n\r\n        resultBox.style.display = 'block';\r\n\r\n\r\n        var resetButton =\r\n          wrap.querySelector('#nanoDropReset');\r\n\r\n        if (resetButton) {\r\n\r\n          resetButton.addEventListener(\r\n            'click',\r\n            resetChallenge\r\n          );\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n  }\r\n\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f40aada elementor-widget elementor-widget-heading\" data-id=\"f40aada\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Alternatif_untuk_Dana_Idle_Kenali_Program_Earn_Nanovest\"><\/span>Alternatif untuk Dana Idle: Kenali Program Earn Nanovest <span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aef1bbe elementor-widget elementor-widget-text-editor\" data-id=\"aef1bbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Reksa dana bukan satu-satunya pilihan untuk mengelola dana yang belum digunakan. Investor juga dapat mempelajari instrumen lain dengan mekanisme berbeda, seperti deposito, obligasi, maupun <\/span><a href=\"https:\/\/www.nanovest.io/blog\/announcement\/program-earn-nanovest-21286\/\"><b>Program Earn Nanovest<\/b><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Program Earn Nanovest tersedia dalam dua pilihan aset, yaitu IDDR Earn untuk Rupiah Digital dan ASDD Earn untuk US Dollar Digital. Pengguna dapat melakukan <\/span><i><span style=\"font-weight: 400;\">placement<\/span><\/i><span style=\"font-weight: 400;\"> sesuai periode yang tersedia dan memperoleh potensi imbal hasil sesuai program.<\/span><\/p><p><span style=\"font-weight: 400;\">Jika uang memiliki tujuan investasi dengan horizon tertentu, reksa dana dapat dipelajari sesuai profil risiko. Jika dana belum ingin masuk ke pasar dan sedang idle, Program Earn dapat menjadi salah satu alternatif yang layak dipelajari lebih lanjut.<\/span><a href=\"http:\/\/https:\/\/nanovestio.page.link\/nano-earn\/IDDR\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-23960 size-full\" src=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR.webp\" alt=\"Banner ad for Nanovest: open safe with IDDR coins, bold Indonesian slogan about optimizing funds and competitive returns, and a green 'Mulai Sekarang' button.\" width=\"1208\" height=\"219\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR.webp 1208w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR-300x54.webp 300w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR-1024x186.webp 1024w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR-768x139.webp 768w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR-1200x218.webp 1200w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR-150x27.webp 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/08\/Banner-IDDR-450x82.webp 450w\" sizes=\"(max-width: 1208px) 100vw, 1208px\" \/><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db3d2ca elementor-widget elementor-widget-html\" data-id=\"db3d2ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\/* =========================================\r\n   NANOVEST - PROGRAM EARN CTA\r\n   ========================================= *\/\r\n\r\n#nanoEarnCTA,\r\n#nanoEarnCTA * {\r\n  box-sizing: border-box;\r\n}\r\n\r\n#nanoEarnCTA {\r\n  max-width: 820px;\r\n  margin: 32px auto;\r\n  padding: 30px;\r\n  border-radius: 24px;\r\n\r\n  background: linear-gradient(\r\n    135deg,\r\n    #1F234C 0%,\r\n    #332A7A 55%,\r\n    #5037C8 100%\r\n  );\r\n\r\n  box-shadow: 0 16px 36px rgba(40,32,110,.20);\r\n\r\n  color: #ffffff;\r\n  text-align: center;\r\n  font-family: inherit;\r\n}\r\n\r\n\/* Badge *\/\r\n#nanoEarnCTA .nano-earn-badge {\r\n  display: inline-block;\r\n\r\n  margin: 0 0 16px;\r\n  padding: 8px 14px;\r\n\r\n  border: 1px solid rgba(255,255,255,.18);\r\n  border-radius: 999px;\r\n\r\n  background: rgba(255,255,255,.10);\r\n\r\n  color: #F4F2FF;\r\n\r\n  font-size: 14px;\r\n  font-weight: 700;\r\n  line-height: 1.4;\r\n}\r\n\r\n\/* Heading *\/\r\n#nanoEarnCTA .nano-earn-title {\r\n  margin: 0 0 12px !important;\r\n  padding: 0 !important;\r\n\r\n  color: #ffffff !important;\r\n\r\n  font-family: inherit !important;\r\n  font-size: 30px !important;\r\n  font-weight: 800 !important;\r\n  line-height: 1.25 !important;\r\n\r\n  text-align: center !important;\r\n  text-transform: none !important;\r\n  letter-spacing: normal !important;\r\n}\r\n\r\n\/* Description *\/\r\n#nanoEarnCTA .nano-earn-copy {\r\n  max-width: 680px;\r\n\r\n  margin: 0 auto 24px !important;\r\n  padding: 0 !important;\r\n\r\n  color: #ECE9FF !important;\r\n\r\n  font-family: inherit !important;\r\n  font-size: 16px !important;\r\n  font-weight: 400 !important;\r\n  line-height: 1.75 !important;\r\n\r\n  text-align: center !important;\r\n}\r\n\r\n\/* CTA Button *\/\r\n#nanoEarnCTA a.nano-earn-button {\r\n  display: inline-flex !important;\r\n  align-items: center !important;\r\n  justify-content: center !important;\r\n\r\n  width: auto !important;\r\n  min-height: 50px !important;\r\n\r\n  margin: 0 !important;\r\n  padding: 14px 24px !important;\r\n\r\n  border: 1px solid #D9FF00 !important;\r\n  border-radius: 12px !important;\r\n\r\n  background: #D9FF00 !important;\r\n  background-image: none !important;\r\n\r\n  color: #171A34 !important;\r\n\r\n  font-family: inherit !important;\r\n  font-size: 15px !important;\r\n  font-weight: 800 !important;\r\n  line-height: 1.4 !important;\r\n\r\n  text-align: center !important;\r\n  text-decoration: none !important;\r\n  text-transform: none !important;\r\n  letter-spacing: normal !important;\r\n\r\n  box-shadow: 0 8px 20px rgba(217,255,0,.14) !important;\r\n\r\n  transition:\r\n    transform .2s ease,\r\n    box-shadow .2s ease,\r\n    background .2s ease !important;\r\n}\r\n\r\n#nanoEarnCTA a.nano-earn-button:hover {\r\n  transform: translateY(-2px) !important;\r\n\r\n  background: #E3FF3D !important;\r\n\r\n  color: #171A34 !important;\r\n\r\n  box-shadow: 0 10px 24px rgba(217,255,0,.22) !important;\r\n\r\n  text-decoration: none !important;\r\n}\r\n\r\n#nanoEarnCTA a.nano-earn-button:focus {\r\n  outline: 2px solid #ffffff !important;\r\n  outline-offset: 3px !important;\r\n}\r\n\r\n\/* Small supporting line *\/\r\n#nanoEarnCTA .nano-earn-note {\r\n  margin: 17px auto 0 !important;\r\n  padding: 0 !important;\r\n\r\n  color: #CFCBEF !important;\r\n\r\n  font-family: inherit !important;\r\n  font-size: 12px !important;\r\n  line-height: 1.6 !important;\r\n\r\n  text-align: center !important;\r\n}\r\n\r\n\/* Mobile *\/\r\n@media (max-width: 600px) {\r\n\r\n  #nanoEarnCTA {\r\n    margin: 28px auto;\r\n    padding: 24px 18px;\r\n    border-radius: 19px;\r\n  }\r\n\r\n  #nanoEarnCTA .nano-earn-title {\r\n    font-size: 25px !important;\r\n  }\r\n\r\n  #nanoEarnCTA .nano-earn-copy {\r\n    font-size: 15px !important;\r\n    line-height: 1.7 !important;\r\n  }\r\n\r\n  #nanoEarnCTA a.nano-earn-button {\r\n    width: 100% !important;\r\n    padding: 14px 18px !important;\r\n  }\r\n}\r\n<\/style>\r\n\r\n\r\n<div id=\"nanoEarnCTA\">\r\n\r\n  <div class=\"nano-earn-badge\">\r\n    Alternatif Mengelola Dana\r\n  <\/div>\r\n\r\n  <h3 class=\"nano-earn-title\"><span class=\"ez-toc-section\" id=\"Pelajari_Program_Earn_Nanovest\"><\/span>\r\n    Pelajari Program Earn Nanovest\r\n  <span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n  <p class=\"nano-earn-copy\">\r\n    Kenali IDDR Earn dan ASDD Earn, pilihan periode, serta potensi imbal hasilnya sebelum menentukan apakah Program Earn sesuai dengan kebutuhan dan tujuan keuanganmu.\r\n  <\/p>\r\n\r\n  <a\r\n    class=\"nano-earn-button\"\r\n    href=\"https:\/\/www.nanovest.io/blog\/announcement\/program-earn-nanovest-21286\/\">\r\n    Pelajari Program Earn\r\n  <\/a>\r\n\r\n  <p class=\"nano-earn-note\">\r\n    Pelajari mekanisme, risiko, serta syarat dan ketentuan program sebelum melakukan placement.\r\n  <\/p>\r\n\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10fe8dd elementor-widget elementor-widget-text-editor\" data-id=\"10fe8dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b><i>Disclaimer:<\/i><\/b><i><span style=\"font-weight: 400;\"> Artikel ini dibuat untuk tujuan edukasi dan bukan merupakan ajakan, penawaran, atau rekomendasi untuk membeli maupun menggunakan produk investasi tertentu. Reksa dana, deposito, obligasi, dan Program Earn memiliki mekanisme, manfaat, serta risiko yang berbeda. Selalu lakukan riset mandiri (Do Your Own Research \/ DYOR), baca syarat dan ketentuan produk, dan sesuaikan keputusan dengan tujuan keuangan serta profil risiko masing-masing.<\/span><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5fe6de elementor-widget elementor-widget-heading\" data-id=\"c5fe6de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"FAQ_Cara_Investasi_Reksadana\"><\/span>FAQ Cara Investasi Reksadana<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c215978 elementor-widget elementor-widget-accordion\" data-id=\"c215978\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2031\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2031\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Bagaimana cara investasi reksadana untuk pemula?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2031\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2031\"><p><span style=\"font-weight: 400;\">Mulailah dengan menentukan tujuan keuangan, horizon investasi, dan toleransi risiko. Setelah itu, pelajari kategori reksa dana yang sesuai, bandingkan produk, baca fund fact sheet serta prospektus, kemudian lakukan pembelian melalui platform yang menyediakan produk reksa dana sesuai ketentuan yang berlaku.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2032\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2032\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Berapa uang minimal untuk mulai investasi reksadana?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2032\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2032\"><p><span style=\"font-weight: 400;\">Minimum investasi berbeda pada setiap produk dan platform. Sejumlah reksa dana dapat dibeli dengan nominal relatif terjangkau. Periksa ketentuan minimum pembelian pada produk yang ingin dipilih.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2033\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2033\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Reksadana apa yang cocok untuk pemula?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2033\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2033\"><p><span style=\"font-weight: 400;\">Tidak ada satu jenis yang otomatis paling cocok untuk semua pemula. Pemilihan sebaiknya mempertimbangkan tujuan, horizon investasi, kebutuhan likuiditas, serta kemampuan menerima risiko.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2034\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2034\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Apa perbedaan reksa dana pasar uang dan reksa dana saham?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2034\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2034\"><p><span style=\"font-weight: 400;\">Reksa dana pasar uang berinvestasi pada instrumen pasar uang dan efek utang berjangka pendek, sedangkan reksa dana saham memiliki sebagian besar portofolio pada efek saham. Karena komposisi asetnya berbeda, karakteristik risiko dan potensi return keduanya juga berbeda.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2035\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2035\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Apakah investasi reksadana bisa rugi?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2035\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2035\"><p><span style=\"font-weight: 400;\">Bisa. Nilai Unit Penyertaan dapat berkurang akibat perubahan nilai aset dalam portofolio dan faktor lainnya. Tingkat risiko berbeda pada setiap kategori maupun produk reksa dana.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2036\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2036\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Apa itu NAB dalam reksadana?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2036\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2036\"><p><span style=\"font-weight: 400;\">NAB atau Nilai Aktiva Bersih menunjukkan nilai bersih aset reksa dana setelah memperhitungkan kewajiban. NAB per Unit Penyertaan atau NAB\/UP digunakan dalam penghitungan nilai Unit Penyertaan investor sesuai mekanisme transaksi yang berlaku.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2037\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2037\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Apakah reksadana cocok untuk investasi jangka panjang?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2037\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2037\"><p><span style=\"font-weight: 400;\">Beberapa kategori reksa dana dapat dipelajari untuk tujuan jangka panjang, tetapi pemilihannya tetap perlu disesuaikan dengan profil risiko, komposisi portofolio, dan tujuan masing-masing investor.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2038\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2038\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Apakah reksadana sama dengan deposito?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2038\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2038\"><p><span style=\"font-weight: 400;\">Tidak. Reksadana merupakan wadah investasi kolektif yang dananya dikelola Manajer Investasi ke dalam portofolio efek, sedangkan deposito merupakan produk simpanan berjangka perbankan. Mekanisme, potensi hasil, likuiditas, dan risikonya berbeda.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2039\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2039\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Apa alternatif selain reksadana?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2039\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2039\"><p><span style=\"font-weight: 400;\">Alternatifnya bergantung pada tujuan keuangan dan profil risiko. Investor dapat mempelajari deposito, obligasi, saham, emas, aset kripto, maupun program Earn berbasis aset digital. Masing-masing memiliki mekanisme dan tingkat risiko berbeda.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-20310\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-20310\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Apa itu Program Earn Nanovest?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20310\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-20310\"><p><span style=\"font-weight: 400;\">Program Earn Nanovest merupakan program berbasis aset digital yang tersedia melalui IDDR Earn dan ASDD Earn. Pengguna dapat memperoleh potensi imbal hasil sesuai pilihan program dan periode yang tersedia. Program Earn memiliki mekanisme dan karakteristik berbeda dari reksa dana.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Nilai Aktiva Bersih (NAB) reksa dana Indonesia masih berada di level ratusan triliun rupiah pada 2026. OJK mencatat NAB reksa dana mencapai Rp726,26 triliun pada Februari 2026, tumbuh 7,54% sejak awal tahun. Data KSEI juga menunjukkan bahwa kepemilikan reksa dana tidak hanya berasal dari institusi. Per akhir Juni 2026, sekitar 38,84% nilai AUM reksa dana<\/p>\n","protected":false},"author":35,"featured_media":24082,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[479],"class_list":["post-24079","post","type-post","status-publish","format-standard","has-post-thumbnail","category-tips-dan-tutorial","tag-tips-and-tutorial"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Pelajari cara investasi reksadana untuk pemula, mulai dari memahami jenis, NAB, profil risiko, hingga memilih reksa dana sesuai tujuan keuangan.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Maretha Putri\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/investasi-reksadana-24079\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.0.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"id_ID\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog Nanovest - 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