INVESTMENT INSTRUMENTS THAT MAKE YOUR HEART CALM: FIXED INCOME MUTUAL FUNDS

The friend must have often heard about mutual funds. Mutual funds are investment platforms 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, then 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-ended Mutual Funds, RDPT is an Investment Fund that invests at least 80% (eighty percent) of its 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 those issued by corporations and the government.

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

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

The potential profit of an investment product is of course directly proportional to the level of risk, this also applies to RDPT. The yield or return on the RDPT is around 7% to 8% per year, even the average is able to reach 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, among others:

  1. Investment capital is very affordable, you can start from Rp. 10 thousand to buy mutual funds online.
  2. Great profit opportunity along with the development of mutual fund NAV.
  3. The return on mutual funds is tax-free, unlike deposit interest which is subject to income tax of 20%.
  4. Can be withdrawn or withdrawn at any time on the trading day.
  5. Funds are managed by an Investment Manager, choose a professional, and have a permit from the OJK.
  6. RDPT management is supervised and regulated by OJK.

Although the advantages are many, RDPT also has risks that you must be aware of even though the level is relatively low, including:

  • The risk of decline in the value of the participation unit is due to the decrease in the price of debt securities.
  • Liquidity risk involves the difficulty of the Investment Manager to provide cash when investors are busy withdrawing their mutual funds.
  • Default risk is the risk that arises when the insurance company that insures the mutual fund wealth does not immediately pay compensation or pays less than the sum insured when things go wrong that 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 RDPT investment. For example, you invest IDR 1,000,000 in mutual fund A at a price of IDR 1,000 per unit. So you get 1,000 units of participation.  If two years later, the NAV price becomes Rp. 1,200 per unit, it means that your profit is:

= 1.000 unit x Rp 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 the same as 20%.
Well, now you know about your RDPT, buddy. If you invest in RDPT, make sure you buy from a Mutual Funds Selling Agent (APERD which is registered as a selling agent for mutual funds from the OJK. APERD can be an Investment Manager (MI), Bank, Securities or Securities Company or also a Fintech Company. there is also a Mutual Fund Selling Agent Representative (WAPERD) as an individual who has received certification from the OJK to carry out mutual fund marketing activities.

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