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Who would have thought, among all types of mutual funds, money market mutual fund products has scored an increase in Net Asset Value (NAV) the highest so far this year, which amounted to 49.47%.

Of the nine products that are classified together with mutual funds, six of which NAB decreased, while the two others accompanying money market funds notch gains.

As a note for the uninitiated, what NAB is the position of customer assets under management. This term is used to name the position of the customer portfolio.

Well, based on data from Information Centre, published Mutual Funds Capital Market Supervisory Agency & Financial Institutions Supervisory Agency. which recently reopened after being closed for 2 years for no apparent reason, the champion of the highest NAV increases until last week was the product of mutual money market funds.

In total, the position of the entire product mutual fund NAV per weekend was recorded at Rp 117.291 trillion, edged up 0.47% from the end of 2009 amounting to Rp 116.732 billion.

While the number of units of mutual funds that bought up last week as much as 71.350 billion units, up 1.96% from the position late last year as much as 69.978 billion units.

Looking at the ratio of the growth units are much higher than the increase in NAV which only rose slightly, indicating that most of the assets under management decreased a lot.

Sure enough, when translated it turns out most of the NAV per types of mutual funds has decreased.

Bapepam-LK classifies nine types of managed funds products namely
1. Mutual fund shares.
2. Money market funds.
3. Mutual funds are a mixture.
4. Fixed-income mutual funds.
5. Mutual funds are protected.
6. Index mutual funds.
7. Exchange Trade Fund (ETF) shares.
8. Fixed income ETF.
9. Sharia.

Of the nine types of products managed funds, the NAV 6 are decreased, while the ride is only 3 products. Fixed income ETF products recorded the highest percentage reduction in NAB this year, which amounted to 34.18% from Rp 629.33 billion at the end of 2009 to Rp 414.194 billion at the end of last week.

Product index mutual funds came in second place with a reduced NAV worst of 28.63% from Rp 290.190 billion at the end of 2009 to Rp 207.093 billion at the end of last week.

Then type ETF shares decreased 11.46% from Rp 45.130 billion at the end of last year to USD 39.958 billion at the end of last week.

Product fixed-income mutual funds NAV decreased by 5.81% from Rp 20.087 trillion at the end of 2009 to Rp 18.919 trillion at the end of last week.

Mutual funds are also protected in total NAV decreased by 4.19% from the end of 2009 amounting to Rp 34.623 trillion to Rp 33.170 trillion at the end of last week.

Finally, the product mix of mutual funds that declined by 2.49% of NAV of Rp 15.657 trillion at the end of 2009, to Rp 15.267 trillion at the end of last week.

If the total, NAB position 6 of the above products at Rp 68.017 trillion at the end of last week, down 4.64% or Rp 3.314 trillion from the end of the year 2009 amounted to Rp 71.331 trillion.

Fortunately, the increase in NAV 3 other products managed to lift the total NAV of funds under management of products, mainly supported by the increase in NAV money market mutual fund products to become champions.

Meanwhile, shares of mutual fund products and managed funds contributed to the increase NAB sharia, though not for money market funds.

NAV of funds under management in Islamic weekend was recorded at Rp 3.675 trillion, edged up 0.1%, or USD 4 billion from the end of 2009 amounted to Rp 3.671 trillion.

Then the position of an equity fund NAV at the end of last week stood at Rp 37.795 trillion, up 3.53% or Rp 1.288 trillion from the end of 2009 amounting to Rp 36.507 trillion.

Finally, the product of money market funds recorded NAV of Rp 7.801 trillion at the end of last week, soared 49.47% or Rp 2.582 trillion from the end of the year 2009 amounted to Rp 5.219 trillion.

NAV total 3 products are recorded at Rp 49.271 trillion at the end of last week, up 8.53% or Rp 3.874 trillion compared to the position late last year was Rp 45.397 trillion.

The increase in NAV money market funds, either from its nominal value and the percentage increase in sustain success throughout the NAB product funds under management, at least until last week.

For the record, the position of NAB entire product funds under management now amounting to Rp 117.291 billion was the highest in the history of the Indonesian capital market.

So, why money market mutual fund products incise sheen so big this year?

Mutual fund money market funds under management which is a product placement of funds allocated most (80%) in savings deposits, time deposits and certificates of Bank Indonesia (SBI), while the rest in debt instruments of short term (less than a year).

In simple terms it can be concluded, that the increase in NAV money market mutual fund products is due to the substantial amount in this product portfolio and increased customer value in these instruments.

The question then, why is there a massive interest in investing in savings instruments, deposits, SBI and short-term debt?

The answer is simple. Recent economic projections indicate that global economic recovery “scheduled” to start the second half of 2010.

Economic recovery, usually accompanied by a demand or purchasing power at odds with the production or supply of which is known as inflation. The greater the ratio of inflation, within the context of economic recovery means that an increase in demand rather than supply position.

Well, projections indicate an increase in inflation will always increase the benchmark interest rate of Bank Indonesia (BI Rate). Therefore, the ethics of economics, the interest rate the bank can not lower than inflation.

Therefore, easily be concluded that the recommendations of the economic recovery led to expectations of an increase in Bank Rate in the second half of 2010, as many analysts had projected, even though the BI officials pitched the same.

The increase in the BI Rate, of course, will make the interest rates of savings and bank deposits and SBI have increased. And it certainly will provide increased margin (yield) on such products.

So naturally, when some market participants are now chasing money market mutual fund products, driven by expectations of an increase in the BI Rate, hoping to reap profits amid the global economic recovery sentiment.

Keep good records is very important to your business.
It will help to monitor progress, to prepare its financial statements to keep track of deductible expenses, prepare taxes, and support items reported on tax returns.
The records of a business can be divided into three categories: income, expenses and capital expenditures.
Revenue records. Your company can receive money from various sources. Maybe you sold your car to finance his business, or perhaps received a commercial loan. You may receive proceeds from the sale of goods and services to another company. Whatever the source of your income, you must register. The business records must indicate the type of payment received, the date it was received, and the source of payment. While the information is fresh in your mind, make a note in the register of deposit your check. If your business sells services to another company, you should receive an IRS Form 1099 for those making the payment, showing how much was paid. Keep all records income in a central location.
Expense records. Keep receipts for payment of bills, keeping copies of receipts, invoices, flyers, credit card, canceled checks or receipts for payment of rent. These are standard documents that support your business expenses. Each cost should appear reasonable and necessary business expenses to deduct from their taxes.
Asset records. When a purchase from your company represents a long-term benefit, like a fax machine, a building, car or office furniture (items that generally have a long-term) follow up on separately from such assets and those of immediate use and consumption, such as office supplies. Such assets must be tracked separately because they generally can not deduct the full cost of the resource in the same year of purchase.

IF YOU CAN NOT REACH THE BREAKEVEN POINT

If your balance is higher than expected earnings, should assess whether they can change certain aspects of its plan to achieve a lower breakeven point. For example, t to be able to:

Finding a cheaper source of supply.
Assess whether it is possible to maintain the level of production by hiring fewer people.
Save the cost fixed income, working from home.
Sell ??your product or service at a higher price.
Example: After Maria reviewed its breakeven analysis, decided to reduce their expenses by working from home instead of paying rent for a design workshop. This reduced the overhead of Mary from $ 6,000 a month to $ 1,500 a month. With these savings, your balance is now $ 2.250 per month ($ 1,500 ÷ 0667 = $ 2,250). Like Mary thinks he can easily sell 25 dresses a month, at $ 300 each, their total sales revenue will be $ 7,500 a month (25 x $ 300 = $ 7,500). Now Mary will have a gain of more than $ 5,000 per month ($ 7,500 – $ 2.250 = $ 5.250).

A break-even analysis tells you how much income you will need to cover your expenses before you can make a profit. To accomplish this, you need to know what their costs and sales revenue.

Fixed costs. Fixed costs (sometimes also called “overhead”) do not vary much from month to month. Include rent, insurance, utilities and other fixed costs.

Example: Mary recently opened a dressmaking shop. She designs formal dresses and suits for women. Mary’s fixed costs are $ 6,000 a month.
Sales revenue. Is the total sales dollars for entering their business each month or year. To conduct a breakeven analysis valid projection should be based on the volume of business you really expect to have, not how much you need to make a good profit.

Example: Mary really believes it can sell 25 dresses a month. She charges $ 300 for each dress, so your monthly sales are $ 7,500 (25 x $ 300 = $ 7,500).
Average gross profit per sale. Is the money left from each sales dollar after paying the direct costs of a sale. Direct costs are what you pay to provide your product or service.

Example: Mary pays an average of $ 100 for supplies and materials for making dresses that sell for $ 300. Therefore, the average gross profit of Mary is $ 200 for each dress sold ($ 300 – $ 100 = $ 200).
Average gross profit percentage. Indicates how much of each dollar of sales income is gross profit. To calculate your average gross profit percentage, divide your average gross profit figure by the average selling price.

Example: Mary has an average gross profit of $ 200 on dresses that sell for $ 300, so that its gross profit percentage is 66.7% ($ 200 ÷ $ 300 = 0.66666 … = 66.7%).

About 38% of U.S. Households That Are Accelerating Their mortgage payments “INSTEAD of saving in tax-deferred accounts Are making the wrong choice, According To a 2006 report from the Federal Reserve Bank of Chicago.
But if you’re 75 years old, You Might Want to Consider Liquidating the stock portfolio and pay off the house. “You’ve gotten to the point in your lifespan That The Risk is a little heavy if the stock values ??go down for a long period.
“You May Not be around long enough to see Them recover,” Said Guttentag, who’s Also known as the mortgage professor and is the brains behind the website mtgprofessor.com. “The decision is more Heavily weighted Then Toward Reducing Your Risk.” The hard-and-fast fact-Is That The Longer It Takes you to pay off the mortgage, the more you’ll pay. That’s why Many experts will Advise you to add an extra $ 100 or more to the principal payoff Each month – a more workable alternative for Those itching to get rid of the house Debt.
It’s called mortgage acceleration, paying off in Which Principle Not only eats away at the base loan, But The Interest and the Amount of Time it Takes to pay off the mortgage. The Interest Calculation is based on the Principles on the loan outstanding. The lower the Principle balance, the lower the Interest charge.
Bankrate, com has a calculator on site That Can help you figure out your payouts. Here’s an example with a $ 165,000 loan taken out this month for 30 years at 7% fixed Interest rate:
With monthly payments “of $ 1,097.75, you will pay roughly $ 230.190 in Interest by the time of your last payment in April 2041. An extra payment of $ 100 a month will save you $ 60.033 in Interest When you make the last payment in August of 2034.

Financial ratios are often used for financial analysis of borrowers are:

Liquidity ratio (liquidity ratio), used to measure the liquidity of the company, among others:

* Current Ratio: Current assets divided by current liabilities. This ratio describes the ability to pay debt which must immediately be met with current assets (on average 2.50 times)
* Cash Ratio: cash plus securities divided by current liabilities. The ratio used to measure the company’s ability to pay immediately forest filled with cash and securities (average of 1.00 times)

Leverage ratio is the ratio to measure how far the assets financed by debt:

* Debt Ratio: Total debt divided by assets. Overview of all funding requirements are financed with debt or how much equity than debt (average 33%)
* Debt to Equity: total debt compared with equity. Any capital that guarantees all the debt.
* Times Interest Earned: profit before taxes + interest charges compared with interest charges.Rasio keuantungan this gives the big picture to ensure that debt interest payments (on average 8.00 times)

Activity ratio is the ratio to measure how far the effectiveness of the company in managing financial resources:

* ITO (inventory turnover): sales compared with the inventory. To find funds that are embedded in a rotating inventory within a given period (an average of 9 times)
* ACP: Receiveable compared with sales per day. Is the ratio to determine the long collection of accounts receivable (an average of 20 days)
* Total Asset Turn Over: Sales compared with Total Assets. Is the ratio to determine the rotation of the entire wealth (on average 2 times)
* Working Capital Turn Over: Sales as compared to current assets minus current liabilities. Represents the ratio to show the rotation of working capital within 1 year

# The unemployment rate is an indicator that can give an idea about the real conditions of the various sectors of the economy. This indicator is used as a tool to analyze get healthy / absence of a country’s economy. If the economy is in good condition will be achieved low unemployment. But if the economy is in a state of lethargy, the unemployment rate increased.
# foreign currency exchange rate is the ratio value or it could be called the exchange rate between a currency against other currencies. Exchange is usually used as the main indicator to see the economic power nor the level of economic stability of a State. If a country’s currency is not stable it can be said that the country’s economy is not good or are experiencing the economic crisis. It is necessary for a State to have a stable currency for the country’s economy can run smoothly and forming a trend of growth.
# PSNCR – Public Sector Net Cash Requirement or public sector cash requirement is the amount of money to be borrowed to finance government expenditures-spending. Because governments often spend more than they receive from tax revenues, and the only way to increase the shortcomings are of borrowing

Overall Balance of Payment is divided into 2 parts, namely:

* Balance of trade represents the difference between total exports and imports of goods, services, and transfers. In the calculation, the trade balance does not include the transactions of financial assets and liabilities (debts). This data is an indicator of the trend of foreign trade which is a net flow of total exports and imports of goods and services as revenue or income. With the export transaction will be acceptable amount of money which will increase demand for the currency of the exporting country. And vice versa on import of goods and services where the amount of money must be spent to pay for goods and services we import, this will add supply to the importing country currency.
* Capital Flows of direct investment and indirect investment, where the direct investment, foreign investors make investments in real assets such as just build factories, office buildings dll.Investasi are usually long term. While indirect investment can we meet in the investment of financial instruments. For example, an investor buying shares or bonds on the stock of Indonesia. So investors must exchange its currency to dollars in order to buy shares or bonds in Indonesia.

economic indicator is one factor that can not be separated and are an important part of the overall fundamental factor itself. The economic indicators are often used in fundamental analysis, namely:

* Gross national product (GNP) is the total production of goods and services produced by residents of either country residing / domiciled in the country and outside the country in a given period.
* Gross Domestic Production (GDP) is the sum of all goods and services produced by a country either by the company by domestic and foreign companies operating in the country in a time / period.
* Inflation: One way the government in tackling inflation is by raising policy interest rates. Use the inflation rate as one indicator of economic fundamentals is to reflect the level of GDP and GNP into the actual value. Value of real GDP and GNP is an indicator which is very important for an investor in comparing investment opportunities and risks in foreign countries.

Inflation indicators are typically used by investors:

* Producer price index of production or Price Index (PPI) is an index which measures the average change in prices received by domestic producers for each output produced in each level of the production process. PPI data collected from various economic sectors, especially from the manufacturing sector, mining, and agriculture.
* The consumer price index or the Consumer Price Index (CPI) is used to measure the average changes in retail prices of certain goods and services group. CPI and PPI indexes used by a Trader as an indicator to measure the rate of inflation that occurred.
* Balance of payments or the balance of payment is a balance sheet that consists of all activities of international economic transactions of a country, both commercially and financially, with other countries in a given period. Balance of payments reflects all transactions between residents, government, and employers of domestic and foreign parties, such as export and import transactions, portfolio investments, transactions between the Central Bank, and others. With the balance of payments

Fundamental analysis of company

In general, fundamental analysis involves a lot of data variables that must be analyzed, where some of these variables is quite important to note are:

* Strong revenue growth (revenue growth)
* Return on shares outstanding (earnings per share-EPS)
* The ratio of EPS growth
* The ratio of stock price to earnings perlembar stock (price earnings ratio)
* The ratio of share prices on the growth of corporate earnings (price earnings growth ratio)
* The ratio of stock price to sales (price / sales ratio)
* The ratio of stock price to book value (price book value)
* Ratio of corporate debt (debt ratio)
* Net income margin (net profit margin)