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What is Mutual Fund?
Mutual fund is a pool of funds from individual investors to be invested in the securities portfolio by professional Investment Managers. 

Based on BAPEPAM-LK Regulation No. Kep-552/BL/2010 dated 30 December 2010, Mutual Fund in the Form of Collective Investment Contracts may only buy and sell: 

• Securities offered through a public offering and/or traded in a stock exchange whether in Indonesia or overseas; 

• Debt securities, such as commercial papers that have been rated by a rating company, government bonds, and/or debt            securities issued by an international institution where the Government of the Republic of Indonesian is one of its            members; 

• Asset Backed Securities offered through a public offering that have been rated by a rating company, in the form of            Rupiah or in foreign currencies; and/or

• Domestic money market instruments which have a maturity period of less than 1 year, including Bank Indonesia                 Certificates, money market securities, debt securities, and certificates of deposit; 

• Domestic commercial paper which has a maturity period of less than 3 (three) years and has been rated by a rating             company.

What are the benefits of investing in mutual funds?

1. Investment Diversification

To reduce investment risks, the Mutual Fund portfolio is diversified to the most optimal level so that small investors with limited fund can enjoy similar benefits of investment diversification as enjoyed by large investors.

2. Managed by professionals

The management of Mutual Funds is conducted by Fund Managers who have expertise in fund management and supported by thorough market information and access to market information. As individual investors commonly have limited time and access to information, the role of Fund Managers become crucial in conducting investment in Capital market and money market. 

3. Investment Value Growth Potential

Mutual Fund pools money from investor and then invest them in a focus, and responsible way. Having the accumulated fund, Mutual Funds have better bargaining power in getting higher level of return as well as access to investment instruments which are otherwise hard to be reached by individuals. This provides equal opportunity for all Unit Holders to receive relatively good investment return according to the risk level

4. Information Transparency

Unit Holders can access information about the Mutual Fund in transparent manner through the Prospectus, Net Asset Value (NAB) to be announced daily, and yearly financial report through updated Prospectus to be published every 1 (one) year. 

5. Relatively low investment cost

As mutual funds pool money from investors and invest them in focused and responsible manner, the pools of fund result in transaction cost efficiency. In other word, the transaction costs will be lower compared to the transaction costs incurred when individual investors conduct own transactions in the capital/money market.