Mutual funds are containers used to raise funds from the investor community to be subsequently invested in securities portfolios by the Investment Manager.
Benefits of Mutual Fund
Reduction of Participation Unit Value
A decrease in the value of the Participation Units can be caused by:
- Changes in market conditions (such as interest rates, inflation, etc.) resulting in fluctuations in the price / level of Securities.
- Default from the Securities Issuer company or parties related to the Mutual Funds.
- Force majeure serving by Securities Issuers or parties related to Mutual Funds is regulated in capital market regulations.
Change in Political and Economic Conditions
Industrial business performance is influenced by economic conditions, regulatory conditions and the business climate for the business sector. Changes in government regulations related to macroeconomics, business, and taxation can affect economic conditions and industrial business performance, which in turn affect the rate of return and investment returns that will be obtained by the Mutual Fund.
Liquidity
If all or most of the Participation Unit holders simultaneously sell back to the Investment Manager, this may result in the Investment Manager being unable to provide cash immediately to pay off the Redemption of such Participation Units. 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 the OJK Regulations.
Types of Mutual Fund products offered by PaninBank
Investment Manager
Other Information
Mutual Fund transactions are divided into 3 types
Before investing in Mutual Funds, let's identify the types of transactions. In general, Mutual Fund transactions are divided into 3 types of transactions, such as:
Mutual Fund purchase transactions are divided into several types, namely:
- Subscription : The first purchase transaction after the Investor opens a Mutual Fund account.
- Top Up : This transaction occurs when an Investor wants to increase his investment in a previously purchased Mutual Fund.
- Autodebet : Top up transactions for Mutual Funds by automatically deducting funds from Investor's savings every month. Investors can determine the amount and the desired auto-debit period.
Mutual Funds Redemption Transactions are transactions made by Investors to sell their Mutual Funds.
Switching transactions are transactions that can be carried out by investors to transfer their mutual fund investments to other mutual funds.
Estimated return on your Mutual Fund investment
The main key for you to choose investment products.
Before you start investing, you need to know your risk profile. Each individual has a different risk profile with other individuals. The results of the risk profile can help you in deciding what Investment product to choose.
Low risk of loss and high certainty of getting the desired price, which means the product can be sold quickly under normal market conditions.
Risk Tolerance: Your investments should be limited to investments that experience minimal or no price movement, which can be redeemed in a fairly short period of time (less than a week under normal circumstances).
Investment Objective: This investor rating is suitable for investment strategies or investments that aim to protect capital and earn income similar to money market interest rates.
Moderate risk of loss accompanied by high enough certainty to get the desired price in a short time which means the product can be immediately sold under normal market conditions.
Risk Tolerance: You can apply investment strategies with limited risk of negative price movements and investments can be liquidated in a short time at prices close to the current market average.
Investment Objectives : Investment rating is appropriate for investment strategies whose aim is primarily to earn regular income and possibly capital growth as a second consideration.
Moderate to high risk of loss associated with moderate market volatility, accompanied by a high degree of certainty to obtain the desired price in a short period of time; which means the product can be immediately sold under normal market conditions.
Risk Tolerance: You can apply an investment strategy with a moderate risk of negative price movements and the investment can be liquidated in a fairly short time.
Investment Objective: This investor rating is in accordance with regular investment or strategy as well as capital growth.
The risk of loss is higher due to market volatility. Under normal market conditions, there is a degree of certainty to get the desired price higher. However, under depressed market conditions, the liquidity of the underlying asset can be negatively affected.
Risk Tolerance: Your investment strategy should include the potential risk of negative price movements due to market volatility.
Investment Objectives: This investor rating is appropriate for investment strategies that aim to achieve higher investment returns and capital growth while accepting the risk of potential higher market volatility.
Check Mutual Fund transaction reports and monthly reports directly through the AKSes KSEI website
Investors can directly access transaction reports as well as Mutual Fund monthly reports through the AKSes KSEI website.
Here is the steps to register KSEI AKSes :
1. Open the AKSes KSEI website: https://akses.ksei.co.id , then click "register"
2. Investors will be asked to complete the required data for registration, namely:
- Name
- NIK
- Mobile phone number
- Email Address (as used at Panin Bank)
Complete instructions on how to register are also available on the KSEI website at the following link: https://www.ksei.co.id/education/access-facility.
PaninBank as Mutual Funds Selling Agent. Mutual Funds are capital market products and are not PaninBank products, so they are not guaranteed by PaninBank and are not included in the scope of the Government's guarantee program or savings guarantee program.
