
Mutual Funds
Smart way to invest!
Mutual Fund is a professionally managed investment fund that pools money from many investors, to be invested by Fund Manager into selective securities.
MUTUAL FUND TYPE
Mutual Funds allocate investor’s funds into various investment instruments to diversify and minimize risk.
Mutual Fund Types |
Investment Allocation |
Potential Return & Risk |
Recommended Investment Period |
Money Market |
100% money market instruments |
Low |
Short term < 1 year |
Fixed Income |
Min 80% in fixed income instruments |
Medium |
Medium term 1-3 years |
Balanced |
Combination of money market, fixed income, and equities instruments |
Medium/High |
Medium/Long Term |
Equity |
Min 80% in equity instruments |
High |
Long Term > 3 years |
FUND MANAGER
Bank Commonwealth is currently actively collaborates with leading Fund Managers such as:
- PT. Ashmore Asset Management Indonesia
- PT. Batavia Prosperindo Aset Manajemen
- PT. BNP Paribas Asset Management
- PT. FWD Asset Management
- PT. Mandiri Manajemen Investasi
- PT. Manulife Aset Manajemen Indonesia
- PT. Schroder Investment Management Indonesia
- PT. Sucorinvest Asset Management
BENEFIT
- Potential capital gain
- Capital Gain that is obtained from mutual fund investment is not subject to tax
- High liquidity, investors may redeem the units at any time according to regulation set in prospectus
- Variety of products allow investors to have flexibility for their investment
- Easy to invest
Top Up can be done through internet banking and mobile banking. Mutual fund redemption transaction can also be done in internet banking
- Information Transparency
Unit price or NAV information can be accessed from:- Newspaper (Bisnis Indonesia, Investor Daily, Kontan, etc.)
- Transaction Confirmation Letter from Custodian Bank
- Monthly Statement that can be accessed through Internet Banking
- Low cost
Detailed information related to the subscription fee of mutual fund can be accessed through this link
RISK
Mutual funds can provide potential return as well as potential loss for investors. Therefore, investors need to consider and understand the risks when investing in mutual funds, such as:
- Risk of Depreciation of Unit Value
The risk of unit value depreciation is due to falling securities portfolio prices and Net Asset Value of the Mutual Fund, as the result of market condition changes (such as interest rates, inflation, etc.), default of securities issuers, etc.
- Legal Risk
Risk of changes in policy related to mutual fund.
- Liquidity Risk
Risk that occurs when all or most of investors redeem their unit holdings simultaneously.
- Liquidation Risk
Risk when mutual fund is closed and liquidated by the regulator when the Net Asset Value of funds managed is less than the minimum requirement as stated in related regulation.
TERMS & CONDITIONS FOR MUTUAL FUND SUBSCRIPTION
- Minimum age 21 years or already married
- Have an active Bank Commonwealth account
- Filled the “Purchase Form” and “Risk Profile Questionnaire - Terms and Conditions for Investment Products and Foreign Exchange"
- Have read and understand the prospectus & fund fact sheet
Should you require further information, please contact Call Commbank (24 hours) in 15000-30 or (area code) 15000-30 from mobile or visit our nearest branch.
FEE & CHARGES
Detailed information related to the subscription fee of mutual fund can be accessed through this link
SIMULATION
To assist you in calculating potential fund to be invested from your monthly income for your future financial needs, you can use Investment Calculator.
Investment Calculator is accessible with the following link
DISCLAIMER
INVESTMENT IN THE FORM OF MUTUAL FUND CONTAINS RISK. A PROSPECTIVE INVESTOR MUST READ AND UNDERSTAND THE PROSPECTUS PRIOR TO DECIDING TO INVEST IN A MUTUAL FUND. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.
Mutual fund is a Capital Market Product, NOT PT. Bank Commonwealth’s (“Bank”) product and NOT the Bank’s third-party deposit, hence it is not guaranteed by the Bank and excluded from the government guarantee program or deposit guarantee. Bank act as Mutual Fund Selling Agent.