INSTRUMENTS THAT MAKE YOUR HEART CALM: FIXED INCOME MUTUAL FUNDS

Friends, you must have often heard about mutual funds. Mutual funds are investment vehicles in the form of Collective Investment Contracts (KIK) managed by Investment Managers (MI). In general, based on the type of investment portfolio, mutual funds are divided into 4 types, namely Money Market Mutual Funds (RDPU), Fixed Income Mutual Funds (RDPT), Mixed Mutual Funds and Equity Mutual Funds. This time we will discuss Fixed Income Mutual Funds (RDPT).

For those of you who want to invest in capital market products but avoid high risks, RDPT can be a suitable alternative. When you decide to invest by buying RDPT, MI will place your investment funds into several fixed income investment portfolios.

According to POJK Number 47/POJK.04/2015 Concerning Guidelines for Daily Announcement of Net Asset Value of Open Mutual Funds, RDPT is a Mutual Fund that invests at least 80% (eighty percent) of the Net Asset Value in the form of debt securities.

Examples of debt securities are debt securities (bonds) or sukuk with maturities of one year or more than 1 year. Both issued by corporations and governments.

RDPT has a medium risk level. Because the risk is higher than Money Market Mutual Funds, but lower than Equity Mutual Funds.

RDPT is suitable for friends who have a conservative investment risk profile, aka looking for safety. This investment is most suitable for a period of between 1 to 3 years. In addition, RDPT can be used as an option for investment diversification when economic conditions are still unstable.

The profit potential of an investment product is of course directly proportional to the level of risk, this also applies to RDPT. Yields or returns on RDPT are around 7% to 8% per year, even reaching an average of 9% per year. The profit potential of investing in RDPT is higher than Money Market Mutual Funds, which is around 4-7% per year. Some of the advantages of investing in RDPT include:

Investment capital is very affordable, starting from IDR 10,000 to purchase mutual funds online.

Opportunities for big profits along with the development of the NAV of mutual funds.

Returns on mutual funds are tax-free, unlike deposit interest which is subject to PPh tax of 20%.

Can be cashed or withdrawn at any time on exchange days.

Funds are managed by an Investment Manager, choose a professional and have a permit from the OJK.

The management of RDPT is supervised and regulated by OJK.

Even though it has many advantages, RDPT also has risks that you should be aware of, even though the level is relatively low, including:

The risk of impairment in the value of the participation unit is due to the effect of falling debt securities prices.

Liquidity risk involving the difficulty of the Investment Manager to provide cash when investors are busy disbursing their mutual funds.

Default risk is the risk that arises when an insurance company that insures mutual fund assets does not immediately pay compensation or pays less than the sum insured when unwanted events occur which can cause a decrease in NAV.

Investor funds are not guaranteed by the Deposit Insurance Corporation (LPS) because they are not banking products.

The following is an example of calculating an RDPT investment. For example, you invest Rp. 1,000,000 in mutual fund A at a price of Rp. 1,000 per unit. Then you get 1,000 units of participation. If two years later, the NAV price becomes IDR 1,200 per unit, it means your profit:

= 1,000 units x IDR 1,200

= IDR 1,200,000

= IDR 1,200,000 – IDR 1,000,000

= IDR 200,000

That way, you get a profit of IDR 200,000 or equal to 20%.

So, now you know about RDPT, friend. If you invest in RDPT, make sure you buy from a Mutual Fund Selling Agent (APERD which is registered as a mutual fund selling agent from the OJK. APERD can be an Investment Manager company (MI), Bank, Securities or Securities Company or also a Fintech Company. In addition There are also Mutual Fund Selling Agent Representatives (WAPERD) as individuals who have received certification from the OJK to carry out mutual fund marketing activities.