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. Mandiri Manajemen Investasi
  
• PT. Manulife Aset Manajemen Indonesia
  
• PT. Schroder Investment Management Indonesia
  
• PT. Sucorinvest Asset Management

BENEFIT

1. Potential capital gain
   
   
2. Capital Gain that is obtained from mutual fund investment is not subject to tax
   
   
3. High liquidity, investors may redeem the units at any time according to regulation set in prospectus
   
   
4. Variety of products allow investors to have flexibility for their investment
   
   
5. 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
   
   
6. Information Transparency
   Unit price or NAV information can be accessed from:
   1. Newspaper (Bisnis Indonesia, Investor Daily, Kontan, etc.)
   2. Securities Ownership Reference ("AKSes") facility service provided by PT Kustodian Sentral Efek Indonesia ("KSEI") through the link https://akses.ksei.co.id
   3. Monthly Statement that can be accessed through Internet Banking
      
      
7. Affordable 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:

1. 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.
   
   
2. Legal Risk
   Risk of changes in policy related to mutual fund.
   
   
3. Liquidity Risk
   Risk that occurs when all or most of investors redeem their unit holdings simultaneously.
   
   
4. 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.