Mutual Funds is an instrument used to raise public investors funds to further be invested in a Securities Portfolio by the Investment Manager.
There are several parties involve in mutual fund products, including Investment Manager, Custodian Bank, and Mutual Fund Securities Selling Agents. The Investment Manager is tasked with managing the mutual funds portfolios, while the Custodian Bank is the party performing administration, recording and Depository of mutual fund assets.
In this matter , Bank Mandiri acts as a Mutual Fund Securities Selling Agent (APERD) which is tasked with selling mutual fund securities based on a cooperation contract with the Investment Manager who manages the mutual funds. Bank Mandiri has been registered as the APERD with Otoritas Jasa Keuangan (Financial Services Authority) (OJK) since 2007.

What are the benefits of investing in mutual funds?

• Affordable
  You can invest in mutual funds starting from IDR 10,000.00
• Managed by experienced Investment Managers
  Your investment in Mutual Funds is managed by professional Investment Manager partners of Bank Mandiri.
• Diversification
  By purchasing 1 mutual fund product, you will get a variety of investment portfolios simultaneously. Objectives of this diversification is to minimize risks while optimizing returns on your mutual fund investments.
• Liquid and flexible
  Mutual fund purchases and redemption may be made at any time on every stock exchange day and the proceeds gaining from mutual fund redemption will return to your account within a maximum of 7 business days. You may also decide for yourself the type of mutual fund you want and the amount you will invest according to your risk profile.
• Transparent
  You can monitor mutual fund performance daily via the Livin' by Mandiri application. Apart from that, you will also receive monthly reports from Bank Mandiri.
• Tax relief
  Mutual funds are included in the non-taxpayer of Income Tax category.
• Investments are officially registered and supervised by the Financial Services Authority (OJK)

What are the risks of investing in mutual funds?

• Risk of changes in economic and political conditions
• Risk of reducing the value of investment units
• Liquidity risk
• Risk of default
• Market risk
• Risk of changes in laws and regulations
• Other risks listed in each Mutual Fund Prospectus

How to Start Investing?

Here are some tips & tricks to start investment in mutual funds

• Create a Budget
  Prepare a monthly budget and record your daily expenses. Make sure the budget is in accordance with the priority scale.
• Postpone unnecessary shopping
  Avoid impulsive buying. Prioritize the needs that really cannot be postponed and are the main priority.
• Keep saving for an emergency funds
  By saving an emergency fund, our retirement savings and future can be protected in case of urgent needs.
• Determine clear financial goals
  Determine your financial goals based on the desired target and the period for achieving it. Financial goals help us to invest more purposefully.
• Start Investing
  Choose investment instruments matches with your time horizon, financial goals and risks profile. Immediately open an investment account and start investing. Don't delay your investment.
• Review Investments Periodically
  Review your investments regularly and make diversification in various asset classes, to avoid the risk of uncertainty. Increase your sources of information regarding the suitable investment.

What are the Types of Mutual Fund Products?

Conventional Mutual Funds (Open-end)

• Money Market Mutual Funds
  Money Market Mutual Funds are mutual funds only investing in domestic money market instruments and/or debt securities with a maturity term of less than 1 (one) year.
• Fixed Income Mutual Funds
  Fixed Income Mutual Funds are Mutual Funds that invest at least 80% (eighty percent) of the Net Asset Value comprising debt securities.
• Mixed Mutual Funds
  Mixed Mutual Funds are mutual funds investing in equity securities, debt securities, and/or domestic money market instruments, each of which does not exceed 79% of its assets, where in the portfolio, there must consist of equity securities and equity securities and debt securities.
• Equity Mutual Funds
  Equity Mutual Funds are mutual funds investing at least 80% of the assets in equity securities.

Protected Mutual Funds (RDT)

Protected Mutual Funds (RDT) are mutual funds providing protection for investors' initial investments through their portfolio management mechanism. The Protected Mutual Fund Investment Manager will invest a portion of the funds it manages in debt securities classified as the investment grade category, so that the value of the debt securities at the maturity date can at least cover the protected value.

Limited Participation Mutual Funds (RDPT)

Limited Participation Mutual Funds are mutual funds raising funds from professional investors which will be further invested in Securities Portfolios based on Real Sector Activities. The Real Sector Activities consist of activities either directly or indirectly, related to the production of goods, provision of services in the real sectors including but not limited to the production of goods, and/or working capital from such activities.

Where can I buy mutual fund products?

You can purchase mutual fund products through the Livin' by Mandiri application or APERD Bank Mandiri Branches spread throughout Indonesia.

Mutual fund investment tips and tricks

• People
  Choose mutual funds managed by an Investment Manager (MI) who is legal and possesses official license from the OJK. MI must have a good track record, large funds under management, and an effective strategy.
• Process
  Choose mutual funds that matches your investment term and risk profile according to your portfolio needs.
• Product
  Knowing the mutual fund you want to buy through the product documents, namely the prospectus and fund fact sheet.
• Portfolio
  Determine your portfolio composition that matches your investment goals. Your portfolio may, of course, consist of several products.
• Performance
  Tracing the short and long term performance of products in various market conditions. More consistent or higher the returns in various market conditions, better performance of the products.

We collaborate with the selected investment managers for providing investment products solutions that meet your needs.