Reksa Dana Calculator (Indonesia)
Project your Indonesian mutual fund (reksa dana) returns for money market, fixed income, balanced, or equity funds.
โน๏ธAbout This Calculator
Reksa dana (mutual fund) is a collective investment vehicle managed by an OJK-licensed Investment Manager (Manajer Investasi). There are four main types: Pasar Uang (money market, ~5%/yr, lowest risk), Pendapatan Tetap (fixed income/bonds, ~8%/yr), Campuran (balanced, ~11%/yr), and Saham (equity, ~15%/yr, highest return potential). For individual investors, gains from NAB (NAV) appreciation are generally not subject to additional income tax upon redemption โ a key tax advantage over deposits. You can invest from as little as Rp 10,000 via platforms like Bibit, Ajaib, or Bareksa.
Frequently Asked Questions
How do I start investing in reksa dana?
Buy through an OJK-licensed APERD (Agen Penjual Reksa Dana) platform such as Bibit, Ajaib, Bareksa, or directly through the Investment Manager. Some platforms accept initial investments from Rp 10,000. Always verify the platform has an OJK license.
Are reksa dana gains taxed?
For individual investors, gains from NAB (NAV) appreciation upon redemption are generally not subject to additional personal income tax. Tax is handled at the fund level (e.g., bond coupon tax, dividend tax). This is a key advantage over bank deposits, where interest is subject to 20% final withholding tax.
What is NAB (Nilai Aktiva Bersih)?
NAB is the net asset value per unit of the mutual fund โ it changes daily based on market prices of the underlying portfolio. Your return = (NAB sell price โ NAB buy price) / NAB buy price ร 100%.
How long should I invest in reksa dana?
Pasar Uang: 1โ12 months (good for emergency funds). Pendapatan Tetap: 1โ3 years. Campuran: 3โ5 years. Saham: minimum 5 years to weather market volatility and benefit from long-term equity growth.
What are the risks?
Reksa dana is not guaranteed by LPS (unlike bank deposits). Risks vary: Pasar Uang has the lowest risk, Saham the highest. NAV can fall before it rises. Other risks include investment manager risk, liquidity risk, and market risk. Only invest money you won't need for the full investment period.