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Investment - Mutual Funds

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Mutual Funds product via Welma

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Reksadana

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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.

Investment Manager

PT Schroder Investment Management Indonesia
PT Schroder Investment Management Indonesia (PT SIMI) is a 99% owned subsidiary of Schroders Plc. Headquartered in the United Kingdom, which was founded in 1804. Schroders started its investment management business in 1926 for its clients worldwide. In Indonesia, PT SIMI’s presence dates back to 1991 and is supported by Schroders’ global network resources. PT SIMI provides quality services to its retail and institutional clients in Indonesia including pension funds, insurance companies, and social foundations. PT SIMI is licensed and supervised by the Financial Services Authority (OJK) (d/h BAPEPAM-LK) with investment manager license No. KEP-04/PM/MI/1997 dated 25 April 1997.
PT BNP Paribas Asset Management
PT BNP Paribas Asset Management (PT BNP Paribas AM) is the asset management arm of BNP Paribas, which operates independently and specializes in global asset management. PT BNP Paribas AM, established in 1992, is one of the largest asset management companies in Indonesia. The company offers investment management services to both institutional and retail clients, in the form of discretionary portfolio and mutual funds. It has also been awarded as the best Investment Manager Company in Indonesia from various local and regional media. PT BNP Paribas AM has obtained a business license from the Capital Market Authority as an Investment Manager based on the BAPEPAM Chairman Decree Number: KEP-21/PM/MI/1992 dated 13 July 1992.
PT Batavia Prosperindo Aset Manajemen
PT Batavia Prosperindo Aset Manajemen (BPAM), established in January 1996, is a Financial Services Business Actor registered and supervised by the Financial Services Authority (OJK) with a license as an Investment Manager from the Capital Market and Financial Institution Supervisory Agency (BAPEPAM-LK) No. KEP-03/PM/MI/1996. The funds under BPAM’s management consist of individual and institutional funds, such as pension funds, foundations, and corporations. With strong commitment from shareholders and management, BPAM is known as an investment management company in Indonesia that prioritizes competitive performance, rigorous investment discipline, product innovation, fast response, and quality service.
PT Ashmore Asset Management Indonesia
PT Ashmore Asset Management Indonesia (AAMI) is a 70% owned subsidiary of Ashmore Investment Management Limited headquartered in London that is regulated by and under the authority of the Financial Services Authority of the United Kingdom. Ashmore Investment Management Limited is one of the world’s leading investment managers dedicated to emerging markets. AAMI has obtained a business license from the Indonesian Financial Services Authority as an Investment Manager based on the BAPEPAM Chairman Decree Number: KEP-04/BL/MI/2011.
PT Bahana TCW Investment Management
PT Bahana TCW Investment Management (Bahana TCW) is a joint-venture between Indonesia Financial Group (IFG) and Trust Company of the West (TCW), a Los Angeles-based reputable investment management company. As a joint venture, Bahana TCW takes TCW’s investment, risk management, and compliance expertise and combines it with IFG’s strong capital markets network. Bahana TCW also receives product updates and has a regular program to send its fund managers and operational teams to attend training at TCW’s headquarter in the Unites States. Bahana TCW has obtained a business license from the OJK as an Investment Manager based on the Decree KEP-06/PM/MI/1994 dated 21 June 1994.
PT Eastspring Investments Indonesia
Eastspring Investments is a leading investment management company in Asia for both retail and institutions. Eastspring Investments is part of Prudential Corporation Asia, the asset management arm of Prudential plc in Asia. Eastspring provides diversified investment solutions across a range of asset classes including: Equity, Fixed-Income, Multi Asset Solutions, Quantitative Investment Solutions, Alternative. Established since 2011, PT Eastspring Investments Indonesia is one of the largest investment management companies in Indonesia, covering mutual funds and discretionary funds. Eastspring Indonesia is fully committed to providing quality and reliable financial services. Eastspring Investments has obtained a business license from the OJK as an Investment Manager based on the Decree KEP-05/BL/MI/2012 dated 25 April 2012.
PT Manulife Aset Manajemen Indonesia
PT Manulife Aset Manajemen Indonesia (“MAMI”) is part of Manulife which has been present in Indonesia since 1996. MAMI provides comprehensive investment solutions for investors through investment management services, mutual funds, and investment advisors. MAMI is one of the largest and most trusted investment management companies in Indonesia. Various awards and recognition from external parties were awarded to MAMI as the best investment management company. The Best Fund House award from Asia Asset Management (2015, 2016, 2018, 2020, and 2021), the Top Investment House in Asian Local Currency Bonds from The Asset Benchmark Research (2015-2021), and the Fund House of The Year award was awarded by AsianInvestor (2009, 2013, 2018, and 2019). MAMI has obtained a business license from the OJK as an Investment Manager based on the BAPEPAM Chairman Decree Number: KEP-07/PM/MI/1997 dated 21 August 1997.
PT Panin Asset Management
PT Panin Asset Management is an asset management firm with an active investment strategy that specializes in managing equity and fixed income funds in Indonesia. Established in 1997, PT Panin Asset Management is one of the oldest mutual fund management companies in Indonesia and is currently one of the best players in the industry. For 20 years, the company’s success has been built on long-term value creation by capitalizing on market inefficiencies. PT Panin Asset Management has obtained a business license as an Investment Manager from BAPEPAM-LK based on the Decree Number KEP-06/BL/MI/2011 dated 18 August 2011.
PT BRI Manajemen Investasi
BRI Manajemen Investasi or BRI-MI (previously named PT Danareksa Investment Management or DIM), is a subsidiary of PT Bank Rakyat Indonesia (Persero) Tbk & PT Danareksa (Persero). BRI-MI has obtained an Investment Manager license based on BAPEPAM Decree Number KEP-27/PM-MI/1992 dated 9 October 1992. BRI-MI always acts professionally and prioritizes the principles of governance in investing investors’ assets.

Investment Manager’s Asset Under Management

Investment Manager Name Information
PT Ashmore Asset Management Indonesia Total funds under management as of March 2024: 32.23 Trillion
PT Bahana TCW Investment Management Total funds under management as of March 2024 : 55.09 Trillion
PT Batavia Prosperindo Aset Manajemen Total funds under management as of March 2024 : 42.19 Trillion
PT BNP Paribas Asset Management Total funds under management as of February 2024 : 30.56 Trillion
PT BRI Manajemen Investasi Total funds under management as of March 2024: 42.12 Trillion
PT Eastspring Investments Indonesia Total funds under management as of March 2024 : 61.14 Trillion
PT Manulife Aset Manajemen Indonesia Total funds under management as of March 2024 : 44.38 Trillion
PT Panin Asset Management Total funds under management as of March 2024 : 14.84 Trillion
PT Schroder Investment Management Indonesia Total funds under management as of March 2024 : 68.81 Trillion

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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