Mutual Funds
Over time, the customer's savings will decrease in purchasing power because the costs of primary needs increase faster than the increase in interest on the customer's savings. Therefore, Mutual Fund investment can help increase the customer's balance value.
Mutual Fund is a forum used to collect funds from the investor community to be further invested in securities portfolios by Investment Managers (Capital Market Law No. 8 of 1995, article 1 paragraph 27)
Mutual Fund Benefits & Advantages
Professional Support
The approved Investment Manager will work on analyzing daily performance and investment market conditions to monitor the Mutual Fund products they manage.
Tax Advantage
Mutual fund investment returns are not tax objects
High Liquidity
Investors can withdraw some or all of their funds every Exchange Day
Low Capital and Cost
The capital and costs required to invest are relatively low
Diversification (Sharing) Risk
Relatively lower risk, because the fund management is divided according to the portfolio composition of each type of Mutual Fund, which has a different level of risk.
Product Variations
Has a variety of product placement options that can be adjusted to the level of the investor's risk profile
Mutual Fund Risk
Before an Investor decides to invest in a Mutual Fund, take into account the following possibilities: market risk, default risk, reinvestment risk, liquidity risk and losses. However, this risk can be minimized because Mutual Funds will invest investors' funds in various forms of securities portfolios such as stocks, bonds and/or money markets that can be adjusted to the investor's risk profile.
Investment Manager
Nobu Bank cooperates with professional Investment Managers who have obtained permits from the OJK, such as PT Ciptadana Asset Management (CAM).
| Fund Category | Mutual Fund Name | Fund Manager | Document | Fee | |
|---|---|---|---|---|---|
| Subscription | Redemption | ||||
| Money market | Cipta Dana Cash | CAM |
Prospectus Fund Fact Sheet |
0% | 0% |
| Fixed Income | Cipta Bond | CAM |
Prospectus Fund Fact Sheet |
0% | < 12 months maks 1% > 12 months 0% |
| Balanced Fund | Cipta Dinamika | CAM |
Prospectus Fund Fact Sheet |
Max 2% | < 6 months max 1% > 6 months 0% |
| Equity Fund | Rencana Cerdas | CAM |
Prospectus Fund Fact Sheet |
Max 2% | < 6 months max 1% > 6 months 0% |
| *Fees can change at any time following the Bank's policy | |||||
Terms and Procedures for Purchasing Mutual Funds
- Aged over 17 years and/or already married
- Have a savings/current account at Nobu Bank
- Fill out the "Application Form" and "Risk Profile Form"
- Have read and understood the prospectus & fund fact sheet
Disclaimer
Banks only act as Mutual Funds Selling Agents. Mutual Funds are capital market products and are not Bank products so they are not guaranteed by the Bank and are not included in the scope of the deposit guarantee program object by the Deposit Insurance Corporation. Investment through Mutual Funds contains Risk.
Prospective Investors must first study and understand the prospectus and product provisions including the fees charged, and seek opinions from competent parties before deciding to invest through Mutual Funds where past performance does not reflect future performance.
