Saving is necessary, but investing is also important in optimizing the return on the money you have worked so hard for. We need to remember that a Rupiah saved today may buy you less in five or ten years' time because the costs for essentials may rise faster than your saving returns.
Mutual Funds are a pool of money investments made in stocks, bonds and other money market instruments managed by independent professional fund managers. By injecting your money into different types of investment all at the same time, it aims to optimize your returns and disperse the risks for you as the investor.
What are the risks of Mutual Funds?
There are always potential risks with any investment. You may face any number of the following risks when investing in Mutual Funds: risk of market volatility, risk of defaults, risk of re-investment, risk of liquidity and risks of return. Mutual Funds are able to reduce the overall investment risk by spreading your investment over a wide range of stocks and bonds. We have Mutual fund products that have investment in the form of equity and/or fixed income that can be adjusted with your risk profile.
What are the benefits of Mutual Funds?
Sound investment advice from our professional fund managers.
A team of experts from our approved Fund Managers will take good care of your Mutual Funds investments, with focus on market conditions and performance. Enjoy tax advantage
At this moment in time, returns on Indonesian Mutual Funds are non-taxable.Enjoy flexible liquidity
You can redeem some or all of your investments on any trading day.Enjoy a small initial investment
You can start your initial mutual purchase fund at any one of our branches for as little as Rp500,000. After that, you are able to perform Mutual Fund transaction through HSBC Internet Banking.Convenient mutual fund transactions through our online platform
After your initial mutual fund purchase, you are able to perform Mutual Fund transaction through HSBC Internet Banking. Simply log on to your account, and click "Mutual Funds" menu.
Don't have an HSBC Internet Banking account for your online mutual funds transaction? Click here.Enjoy further flexibility with HSBC Investment Link
Investment Link gives you the flexibility to access extra cash to cover any shortfall while allowing you to stay invested in your Mutual Fund.
Bank is acting merely in the capacity as the Mutual Fund sales agent. Mutual Fund is a product of capital market and not a bank product therefore is not guaranteed by Bank and are not covered by the Government of Indonesia blanket guarantee program or deposit insurance schemes.
ESG and Sustainable investing
In broad terms "ESG and Sustainable investing" products include investment approaches or instruments which consider environmental, social, governance and/or other sustainability factors to varying degrees. Certain instruments we classify as sustainable may be in the process of changing to deliver sustainability outcomes.
There is no guarantee that ESG and Sustainable investing products will produce returns similar to those which don't consider these factors. ESG and Sustainable investing products may diverge from traditional market benchmarks.
In addition, there is no standard definition of, or measurement criteria for ESG and Sustainable investing, or the impact of ESG and Sustainable investing. ESG and Sustainable investing and related impact measurement criteria are (a) highly subjective and (b) may vary significantly across and within sectors. Bank may rely on measurement criteria devised and/or reported by third party providers or issuers. Bank does not always conduct its own specific due diligence in relation to measurement criteria. There is no guarantee: (a) that the nature of the ESG / sustainability impact or measurement criteria of an investment will be aligned with any particular investor's sustainability goals; or (b) that the stated level or target level of ESG / sustainability impact will be achieved.
ESG and Sustainable investing is an evolving area and new regulations are being developed which will affect how an investment is categorised or labelled. An investment which is considered to fulfil sustainable criteria today may not meet those criteria at some point in the future.
Click here to find out more on ESG
