Types of Mutual Funds

• Money Market Fund investing in money market instruments, such as: Time Deposit, Indonesian Treasury Bills, and/or Government/Corporate Bonds with the maturity of less than 1 year.
• Fixed Income Fund, in general, investing mostly in debt instruments and/or money market instruments. For certain funds, the allocation of maximum 20% on equities instruments might be possible.
• Balanced Fund investing in money market, debt and equity instruments to optimize asset allocation strategy in adapting any bond and stock market direction changes.
• Equity Fund, in general, investing mostly in equities instruments, and remaining in money market instruments to maintain the liquidity.
• Index Fund, currently, still investing in equities instruments that are members of the underlying Index as the benchmark. This fund is managed passively by replicating the underlying Index used as the benchmark, so the performance of the fund, is likely to mirror the performance of underlying Index.

Mutual Fund‘s Benefit

• Professional Management
  Mutual Fund is managed professionally by Fund Managers through securities selections (money markets, bonds, and equities), dynamic asset allocation strategy, risk management based on fundamental and technical analysis. Therefore, Investors may focus more on macroeconomic and capital market development in general.
• Access and diversification to various instruments
  Mutual Fund can gather economic scale of money from the Investors so that each Investor as Individual benefit the access to various capital market instruments with relatively smaller-sized investment amount than the direct investment to the capital market.
• Relatively high liquidity
  Open-Ended Mutual Fund give opportunities for the Investors to subscribe or redeem their Mutual Fund participation units at any bourse day.
• Attractive potential return
  Several Fund Managers has successfully delivered attractive investment returns in balance with optimal risk management.

Risks investing in Mutual Fund

• Market Risk
  Mutual Fund is investing in capital market instruments, such as: bonds and equities, so that the Mutual Fund’s Net Asset Value may increase or decrease depends on economic, social, politic, international condition, and etc.
• Default Risk
  Mutual Fund is investing in financial securities issued by the public companies. Default of the company may cause the Investor experience loss on some or even whole of money invested in these capital market instruments through Mutual Fund.
• Liquidity Risk
  To make the payment on redeemed Mutual Fund participation units, Fund Manager sells the underlying securities in the fund that have different liquidity level. As mentioned in the prospectus, Fund Managers must complete the payment at latest 7 bourse days.

Disclaimer:

In this instance, PT Bank ANZ Indonesia ("ANZ") in this reference acts as Selling agent for Mutual Fund. ANZ has been appointed by the Investment Manager to provide customers ("Investors") servicing in respect to the transaction of subscription, switching and/or redemption of Mutual Fund.

Mutual Funds are capital market products and are not products developed or managed by ANZ. ANZ offers no guarantee on performance or protection of capital invested; and Mutual Funds are not included in the guarantee program of the Government of the Republic of Indonesia or any other deposit guarantee. ANZ shall not be liable in any way for damages, losses or diminution of such investments, or, any unavailability or diminution of funds in respect of such investment.

There are risks attached to Mutual Fund investing. (Prospective) Investors need to read and understand the relevant Mutual Fund prospectus before deciding to invest in a Mutual Fund. (Prospective) Investors should be aware that Mutual Fund's past performance is not an indicator of future performance. Investors are encouraged to seek independent investment advice prior to making investment decisions.

(Prospective) Investors need to complete and sign an Investor Risk Profile form before entering into a transaction for the first time with ANZ. Investors will need to renew and sign a new Risk Profile from annually (from their previous profiling anniversary date) before under taking any further application and/or switching on a Managed Fund Account.

(Prospective) Investors are recommended by ANZ to invest only in Mutual Fund which is risk classified equal to or below (prospective) investors' personal risk classification, as determined by the Investor Risk Profile. Should the (prospective) Investors wish to invest in Mutual Fun which has a higher risk classification than (prospective) investor's personal risk classification then an "Exception" form is required to be completed and signed by (prospective) investors to acknowledge (prospective) investor's decision to invest outside the result of Investor Risk Profile.

The Investment Manager may instruct ANZ to reject or hold the proceeds of a particular subscription, switching and/or redemption in line with the Terms & Conditions which are stated in the relevant Mutual Fund Prospectus.

ANZ may reject a subscription, switching and/or redemption transaction if it contravenes any Indonesian rules and/or regulations or the Mutual Fund prospectus and/or Terms & Conditions of ANZ.

Every subscription, switching and redemption transaction is liable for a transaction fee that is stated in the respective prospectus. ANZ may earn initial and ongoing fees from the Investment Manager in respect of your Mutual Fund transaction.

For more details Terms & Conditions, investors should refer to the respective Mutual Fund Prospectus of the funds being applied for.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.