Investasi - Mutual Fund

Enjoy convenience through Bank Danamon that provides a range of mutual fund products as an option for an investment portfolio that suits your profile. Bank Danamon does not only provide various facilities. Mutual Funds are also supported by experienced Relationship Manager services to manage your finances.

Mutual Fund is a container containing funds from a set of Investors, whose fund management can be used in bonds, money market, or equity, and distribution by an independent and professional fund Manager.

Mutual Funds are the right investment for those of you who want to invest in instruments with:

  • High Liquidity
    Investor can redeem Mutual Fund every bourse day.
  • Professionally managed
    The Mutual Fund portfolio is managed by Independent Investment Managers and Professionals with special experience and expertise in fund management.
  • Diversification of risk
    By investing in Mutual Funds the distribution of risk is more widespread because it invests in various types of investment instruments.
  • Affordable
    Start invest from Rp 5,000,000.
  • Product variations
    Mutual Fund products are available in both IDR and USD currency.
  • Tax-exempt
    Mutual Fund is not a tax object.

Professional Fund Managers who work with Bank Danamon are:

  1. PT. Bahana TCW Investment Management
  2. PT. Batavia Prosperindo Aset Manajemen
  3. PT. BNP Paribas Investment Partners
  4. PT. Danareksa Investment Management
  5. PT. Manulife Asset Management Indonesia
  6. PT. Schroder Investment Management Indonesia
  7. PT. Ashmore Asset Management Indonesia
  1. Risk of decreased value of participating unit
    Participation Units may fluctuate due to an increase or decrease in Net Asset Value (NAV) caused by changes in the price of the Investment Fund portfolio.
  2. Credit Risk
    Risks that arise due to default, late payment of interest, or if there is a restructuring of Debt Securities which is the basis for Protected Funds protection.
  3. Market Risk
    Net Asset Value (NAV) of the Mutual Fund may also fluctuate in line with changes in market, economic and political conditions affecting the securities portfolio of the Investment Fund.
  4. Liquidity Risk
    Risks relate to the ability of the Fund Manager to repurchase the investment units from the investors in which this depends on the liquidity of the Investment Fund's portfolio securities.
  5. Interest Rate Risk
    Risks arising from changes in interest rates on financial markets that may lead to an increase or decrease in the price of securities in the Mutual Fund portfolio.
  6. Risk of Tax Regulation Amendment
    Risks arising from changes in tax regulations, such as those related to taxes on profits, bond coupons or stock sales taxes, which may affect the performance of an Investment Fund.
  7. Fund Manager Risk
    The performance of Mutual Funds is very dependent on the experience, knowledge, expertise and investment techniques applied by the Investment Manager, so that a non-credible Investment Manager will have an impact on the performance of the Investment Fund that can harm the Customer.

Specific Risk Exposure for Protected Mutual Funds

  1. Industrial Risk
    The risks faced by the Protected Funds issuing company, which is the basis for Protected Funds protection, if the Debt Securities issuing company, which is the basis of protection for the Protected Funds, fails to face the increasingly fierce level of business competition.
  2. Dissolvement and Liquidation Risk
    Risks that occur if there is dissolution and liquidation of Protected Funds, it can affect the Net Asset Value of Participation Units as well as the Protected Funds protection mechanism.
  3. Early Repayment Risk
    The risk that occurs if the Investment Manager decides to make an early settlement of Protected Funds to protect the interests of Investors. Early repayment may affect the protection mechanism of the Protected Fund.

The applicable fees and taxation provisions are adjusted to the Prospectus of each Mutual Fund product.

Purchase of Mutual Fund products (Subscription)

  1. Customer has a CASA account at Bank Danamon, and ensures that there are sufficient funds to purchase Mutual Funds.
  2. The customer has a risk profile that is still valid to ensure that the product purchased by the customer is in accordance with the customer's risk profile, as well as the customer's investment needs and objectives.
  3. Customer has a Single Investor Identification (SID) for Mutual Funds, Bank Danamon will help the Customer to create an SID in the event that the Customer does not have an SID.
  4. Customer must provide documents, as well as complete and sign the following forms:
    1. Risk Profile Questionnaire Form (if needed, if the customer has never filled out this form before or if the customer's risk profile is no longer valid)
    2. Mutual Fund Transaction Form
    3. Copy of KTP; and
    4. Copy of NPWP / NPWP Statement

Sales of Mutual Fund products (Redemption)

  1. The resale proceeds will be credited to the CASA account on behalf of the Customer. The customer must ensure that the account is active in order to receive payment for the resale of the Mutual Fund Participation Units.
  2. Customer must provide documents, as well as complete and sign the following forms:
    1. Mutual Fund Transaction Form
    2. Copy of KTP; and
    3. Copy of NPWP/NPWP Statement
  3. The redemption payment will be paid a maximum of H + 7 Exchange Days after the resale transaction is carried out.

Mutual Fund product switching (Switching)

  1. The customer determines the product to be transferred and the destination product for the problem. The product transferred and the product to be transferred must be a product that is managed by the same Investment Manager and denominated in the same currency.
  2. The customer ensures that the product to be transferred is in accordance with the customer's risk profile, as well as the customer's investment objectives and needs.
  3. Customer must provide documents, as well as complete and sign the following forms:
    1. Risk Profile Questionnaire Form (if needed, if the customer's risk profile is no longer valid).
    2. Mutual Fund Transaction Form.
    3. Copy of KTP; and
    4. Copy of NPWP/NPWP Statement

Mutual Fund ownership is stated in the form of Participation Units (UP). Participation Units will be obtained when a Customer purchases a Mutual Fund Participation Unit. The following is the calculation of Participation Units that the Customer will receive:

Participation Units = Customer's Purchase Nominal (after deducting fees)
                                                              NAB/UP

Participation Units = Customer's Purchase Nominal (after deducting fees)

NAB / UP is Net Asset Value per Mutual Fund Participation Unit, which is calculated by adding up the total fair market value of a Securities and other assets of the Mutual Fund, minus all liabilities and divided by the number of Participation Units in circulation..

NAB/UP = Total fair market value of Investment Fund assets - Liabilities
                                        Participation Units in circulation 

NAB/UP Mutual Funds will fluctuate following the fair market value of securities in the mutual fund, which will be influenced by market movements. The customer will be able to get a profit or experience a loss when reselling his Mutual Fund Participation Units.

PARTICIPATION UNIT BUY AND RETURN SIMULATION

The following is the value of Mutual Fund A's NAB / UP from January 2 to January 10, 2020* :

Date

NAB/UP (IDR)

2 January

1.237,44

3 January

1.246,52

4 January

1.201,25

5 January

1.246,58

6 January

1.235,98

7 January

Free

8 January

Free

9 January

1.290,56

10 January

1.310,65

 

Customer purchases Mutual Fund A on January 2, totaling IDR 1,000,000

 

Purchase nominal: IDR 1.000.000

UP = Rp. 1.0000.000 / IDR 1.237,44 = 808,12 UP

  • Simulation 2 – Sales (January 4)

    Number of Units sold: 808.12 UP

    Nominal Sales = 808.12 x IDR 1.201,25 = IDR 970.754,14 (Loss)

  • Simulation 3 – Sales (10 January)

Number of Units sold: 808.12 UP

Nominal Sales = 808.12 x IDR 1.201,25 = IDR 1.059.162,46 (Profit)

* The value above is only an illustration for the customer, it does not represent the true value. The estimated value of return (return) is not a guarantee of the return value that will be obtained by (potential) investors, but only as an indication. The estimated return value displayed is the average historical return value of each type of investment product according to the selected risk profile.

This simulation is not intended to provide any recommendations or suggestions.

  1. Investment through mutual funds carries investment risk. Customers must read and understand the prospectus before deciding to invest in a Mutual Fund. past performance does not reflect future performance.
  2. Mutual Fund is a capital market product, NOT a product of Bank Danamon and Bank Danamon is not responsible for all claims and risks for the management of Mutual Fund portfolios by the Investment Manager; NOT a part of customer deposits at Bank Danamon and does not include the object of the deposit insurance program by the Deposit Insurance Corporation; contains investment risk including the possibility of losing all invested capital; past performance is not an indication or guarantee of future investment returns; The investment value may increase or decrease due to fluctuating Net Asset Value (NAB) according to market conditions and the quality of the Mutual Fund portfolio..
  3. Mutual Fund products are fully managed by the Investment Manager as disclosed in the Mutual Fund Prospectus; Bank Danamon is only a Mutual Fund Selling Agent.
  4. Sales of Mutual Fund products through Bank Danamon as a Mutual Fund Selling Agent are carried out by Bank Danamon employees who are appointed as mutual fund sales officers and are certified as Mutual Funds Selling Agent Representatives (WAPERD).
  5. A letter or confirmation letter of Mutual Fund transactions is legally issued by the Custodian Bank and will be sent by the Custodian Bank and addressed directly to the Investor. Confirmation from the Custodian Bank is a valid proof of ownership of Mutual Funds.
  6. This information cannot be considered as a complete product information document, and cannot be considered as an offer, recommendation, request to carry out any transaction or hedge, trade, or investment strategy in relation to any securities or financial instrument.
  7. Before buying a Mutual Fund product, Investors must read and understand the Mutual Fund Prospectus and Fund Fact Sheet.

Customers can submit complaints / grievances to the Bank regarding the offering of Mutual Fund products verbally, and / or in writing by completing the stipulated conditions. Click here for the procedure and mechanism for complaints.

Customer complaints immediately visit the nearest Bank Danamon branch office or contact :

PT Bank Danamon Indonesia Tbk. is an Investment Fund Selling Agent registered and supervised by the Financial Services Authority.


  • Click here for general terms and conditions for investment products.
  • Click here for Mutual Fund Transaction Form
  • Enjoy the convenience of making investment transactions, Bank Danamon services for foreign exchange and investment product transactions by telephone, email, and fax. Click here for the Terms and Conditions of Service
  • Click here for Risk Profile Form.
  • Click here for change / update Form of Customer Funds / Accounts for the formation of SID.