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Mutual Funds

"Mutual fund is an investment vehicle made up of pool money collected from investors and henceforth invested in Portfolios of Securities operated by an Investment Manager. A mutual fund is established based on a Collective Investment Contract between:

  • Investment Manager who acts as the party that manages and monitors the portfolios of securities invested in the Mutual Fund
  • Custodian Bank who acts as the party responsible for administration, safekeeping, issues and sends transaction confirmation letter & monthly report to Mutual Fund investors"

Benefits


Transparent
With pooled investment funds from multiple investors, Investment Managers can diversify the portfolio to reduce the risks that may arise from the pooled funds.
Investment Value Growth Potential
Mutual Funds have the power to obtain a relatively low investment cost due to the size of fund managed
Not Subject to Tax
Any amount of the proceeds and profits is not taxable

Types of Mutual Funds

Money Market Fund
These funds invest in domestic money market instrument sand/or debt securities with a maturity date more than a year and/or remaining maturity date of less than one year. This type is suitable for investors with a very conservative risk profile, with a relatively low volatility for the 100% money market fund portfolio.
Protected Fund
These funds feature a protection mechanism of 100% of the initial fund value until the maturity date is over and is not valid if the fund is sold prior to its maturity date. However, this type does not have a special protection mechanism if the issuer defaults, investors could be exposed to the risk of losing its principal and interest.
Fixed-Income Fund
These funds invest in debt securities at least 80% of its net asset value. This type of investment is suitable for investors with a conservative risk profile.
Portfolio: 80% Bonds, volatility low-moderate.
Balanced Fund
These funds invest in equity securities, debt securities, and/or domestic money market instruments, each of which is no more than 79% of its net asset value, and the investment fund portfolio must include equity securities and debt securities. This type is suitable for investors with a moderate risk profile.
Stock Fund
These funds invest in at least 80% of NAV in equity securities. Suitable for investors with an aggressive risk profile. Portfolio: Max. 79% of each security (Stocks, Bonds, and/or money market), Volatility moderate to high

Risks of Mutual Funds

Risk of Reduced Value of Participation Units
Reduced Participating Unit value can be brought by: - Changes in market conditions (eg. Interest rate, inflation, etc.) resulting in fluctuating prices/return rates of Securities - Default from the Securities Issuing company or the associated party of the Funds - Force Majeure experienced by Issuer.
Risk of Changing Political and Economic Conditions
The business performance of the industry is influenced by economic conditions, regulatory environment, and business climate for such business sector. Changes in government regulations related to macroeconomics, business, and taxation can affect the economic conditions and industry performance, which subsequently affect the rate of return and from the Funds.
Liquidity Risk
In the event all or the majority of Participation Unit holders simultaneously redeem their Fund Units to IM, the manager may be unable to meet their redemption obligations to pay out such redemption proceeds immediately. In the event of force majeure, the Investment Manager may refuse the Participation Unit redemption in accordance with the provisions of the Collective Investment Contract and OJK Regulations.
Exchange Rate Risk
The risk may arise from foreign currency exchange rate fluctuations against Rupiah.
Risk of Changes in Tax Regulations and Provisions
Any changes to the applicable legal provisions or government policies, especially in the macroeconomic sector related to Securities (money market instruments, debt securities and/or stocks) can affect the rate of return and investment returns from the Funds.

Important Information

Investment Manager

PT Ashmore Asset Management Indonesia
PT Ashmore Asset Management Indonesia (AAMI) is an Investment Manager company owned by Ashmore Group plc.
PT Bahana TCW Investment Management
PT Bahana TCW Investment Management is a pioneer and leading Investment Manager company in capital market
PT Batavia Prosperindo Aset Manajemen
PT Batavia Prosperindo Aset Manajemen (BPAM) was established in January 1996.
It is supervised by the Financial Authority Services (OJK)
PT BNP Paribas Asset Management
PT BNP Paribas Asset Management is one of the largest investment management companies in Indonesia
PT Danareksa Investment Management
PT Danareksa Investment Management (DIM) is a subsidiary of PT Danareksa (Persero)
PT Eastspring Investments Indonesia
Eastspring Investments is Asia’s leading investment management firm for both retail and institutions
PT Nikko Securities Indonesia
PT Nikko Sekuritas Indonesia was established in 1990. The license for Investment Manager Business was obtained on 22 February 1993
PT Panin Asset Management
Panin Asset Management has experience managing mutual funds since 1997
PT Schroder Investment Management Indonesia
PT Schroder Investment Management Indonesia (''PT SIMI'') has been established for more than 200 years

Investment Manager Profile

Investment Manager  Description
PT Ashmore Asset Management Indonesia Total dana kelolaan per April 2021 :
35.17 Triliun
PT Bahana TCW Investment Management Total dana kelolaan per April 2021 :
53.34 Triliun
PT Batavia Prosperindo Aset Manajemen Total dana kelolaan per April 2021 :
47.91 Triliun
PT BNP Paribas Investment Partners Total dana kelolaan per Maret 2021:
33.13 Triliun
PT Danareksa Investment Management Total dana kelolaan per April 2021 :
41.26 Triliun
PT Eastspring Investments Indonesia Total dana kelolaan per April 2021 :
84.26 Triliun
PT Nikko Securities Indonesia Total dana kelolaan per April 2021 :
471.75 Miliar
PT Panin Asset Management Total dana kelolaan per April 2021 :
13.36 Triliun
PT Schroder Investment Management Indonesia Total dana kelolaan per April 2021 :
68.43 Triliun

Disclaimer

Mutual Funds are capital market products and NOT products issued by BCA and BCA is not responsible for any and all claims and risks of managing the portfolio. BCA only acts as a Mutual Fund Sales Agent. Investment in Bond products is NOT part of third-party deposit at BCA, and it is not guaranteed by BCA and DOES NOT FALL within the scope of the deposit guarantee program object by the Deposit Guarantee Agency. Mutual Fund investments contain risks that allow (prospective) investors to lose part or all their invested capital. Every Mutual Fund purchased by (prospective) investors shall be the sole responsibility and decision of, including if (prospective) investors choose the type of product that does not match the risk of the (prospective) investors. Mutual Funds performance in the past is not a guarantee of future performance. (Prospective) investors are required to read and fully understand the prospectus before investing in any Mutual Fund products. BCA and Investment Manager offered by BCA are registered with and supervised by the Financial Services Authority (OJK). Mutual Fund sales at BCA are carried out by BCA employees as Mutual Fund Sales Agent Representatives (WAPERD), who are registered with and supervised by the Financial Services Authority (OJK). Mutual Fund Investment Confirmation Letter issued by Custodian Banks is proof of legal ownership.

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