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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 an Investment Manager company 99% owned by Schroders Plc, a global financial company headquartered in London and established in 1804. Schroders has been present in Indonesia since 1991 and PT SIMI obtained a business license as an Investment Manager from the Financial Services Authority/OJK (formerly BAPEPAM-LK) based on Letter No. KEP-04/PM/MI/1997 dated April 25, 1997. PT SIMI provides comprehensive and quality investment services & products to its clients, consisting of retail and institutional clients such as pension funds, insurance companies and social institutions. PT SIMI actively and responsibly manages investments to meet clients' dynamic financial objectives and create a better future. For more information visit official PT SIMI website.
PT BNP Paribas Asset Management
PT BNP Paribas Asset Management (PT BNP Paribas AM) is part of BNP Paribas Group, which operates independently and specializes in global asset management. In Indonesia, PT BNP Paribas AM, is one of the well-known asset management companies in Indonesia established in 1992. PT BNP Paribas AM offers investment management services to both institutional and retail clients, in the form of discretionary portfolio and mutual funds. The company has been recognised as the best fund management company in Indonesia by various regional medial and local media. PT. BNP Paribas Asset Management is Licensed and Supervised by Financial Services Authority, also has obtained a business license from the Capital Market Authority as an Investment Manager based on the Decree of the Chairman of BAPEPAM Number: KEP-21/PM/MI/1992 dated July 13, 1992.
PT Batavia Prosperindo Aset Manajemen
PT Batavia Prosperindo Aset Manajemen (BPAM), established in January 1996, is a Financial Services Provider 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. BPAM’s asset under 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 asset management company in Indonesia prioritizing competitive performance, proper investment discipline, product innovation, fast response, and high 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 management companies and a specialist in investments for developing countries. 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 reputable investment management firm based in Los Angeles. Bahana TCW leverages TCW's expertise in investment, risk management, and compliance alongside IFG's strong presence in the national capital markets.Bahana TCW is currently one of Indonesia's largest investment managers. Since 2015, Bahana TCW has consistently received the prestigious title of "Best Asset & Fund Manager in Indonesia" at the Alpha Southeast Asia Awards, marking its 10th consecutive year as the nation's premier investment manager. Bahana TCW has obtained a business license from OJK as an Investment Manager based on Letter No. KEP-06/PM-MI/1994.
PT Eastspring Investments Indonesia
Eastspring Investments is a global asset manager with Asia at its core for retail and institution clients. Eastspring Investments is part of Prudential Corporation Asia, the Asia business of Prudential plc of the United Kingdom. Eastspring Investments provides a broad range investment solution across the asset classes including: Equity, Fixed-Income, Multi Asset Solutions, Quantitative and Alternatives. Established since 2011, Eastspring Investments Indonesia is one of the largest investment management companies in Indonesia, covering mutual funds and discretionary funds. Eastspring Investments Indonesia is fully committed to providing quality and reliable financial services. Eastspring Investments Indonesia 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
Established in 1996, PT Manulife Aset Manajemen Indonesia (“MAMI”), a member of Manulife Group, offers investment management, mutual fund products, and financial advisory in Indonesia. MAMI is one of the largest investment management company in Indonesia. Various awards and recognition from external parties were awarded to MAMI as the best investment management company. MAMI received Fund House of the Year from AsianInvestor (2009, 2013, 2018, 2019, and 2022), Best Fund House (2015, 2016, 2018, 2020, 2021, 2022, 2023 and 2024), Best Bond Manager (2024), and Best Islamic Fund House (2023) from Asia Asset Management, and Top Investment House in Asian Local Currency Bonds from The Asset Benchmark Research (2015 – 2023). 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 and licensed as an Investment Advisor based on the Decree of the OJK Board of Commissioners No. Kep-50/D.04/2018 dated September 10, 2018.
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 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. In carrying out the investment process, BRI-MI always acts professionally and prioritizes governance principles.

Investment Manager’s Asset Under Management

Investment Manager Name Information
PT Ashmore Asset Management Indonesia Total funds under management as of November 2024 : 27.96 Trillion
PT Bahana TCW Investment Management Total funds under management as of November 2024 : 72.97 Trillion
PT Batavia Prosperindo Aset Manajemen Total funds under management as of November 2024 : 44.09 Trillion
PT BNP Paribas Asset Management Total funds under management as of November 2024 : 32.07 Trillion
PT BRI Manajemen Investasi Total funds under management as of November 2024 : 49.22 Trillion
PT Eastspring Investments Indonesia Total funds under management as of November 2024 : 59.75 Trillion
PT Manulife Aset Manajemen Indonesia Total funds under management as of November 2024 : 44.04 Trillion
PT Panin Asset Management Total funds under management as of November 2024 : 14.94 Trillion
PT Schroder Investment Management Indonesia Total funds under management as of November 2024 : 62.73 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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