Laporan Tahunan 2011 - Commonwealth Bank
Laporan Tahunan 2011 - Commonwealth Bank
Laporan Tahunan 2011 - Commonwealth Bank
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Produk yang ditawarkan meliputi:<br />
1. Joint Financing<br />
2. Asset Buy at Par<br />
3. Asset Buy at Discounted Rate<br />
Produk Investasi<br />
<strong>Commonwealth</strong> <strong>Bank</strong> Indonesia menyediakan produkproduk<br />
investasi yang lengkap untuk membantu nasabah<br />
mengelola dan mengembangkan aset mereka.<br />
CommInvest<br />
A. Reksa Dana Konvensional<br />
1. Reksa Dana Pasar Uang<br />
Reksa Dana yang menempatkan 100% dananya<br />
pada instrument pasar uang, seperti deposito, SBI<br />
(Sertifikat <strong>Bank</strong> Indonesia), atau obligasi (surat utang<br />
yang diterbitkan dengan masa jatuh tempo kurang<br />
dari setahun sejak tanggal penerbitan.<br />
48<br />
Karakteristik:<br />
• Bertujuan untuk investasi jangka pendek yang<br />
memberikan hasil yang stabil serta menjaga<br />
modal / nilai awal investasi<br />
• Memiliki potensi keuntungan sedikit lebih tinggi<br />
dari deposito<br />
• Bersifat likuid atau mudah dicairkan<br />
• Tidak ada biaya pembelian dan penjualan<br />
• Risiko relatif lebih kecil dibandingkan jenis reksa<br />
dana lainnya<br />
2. Reksa Dana Penghasilan Tetap<br />
Reksa dana yang menempatkan minimum 80% dari<br />
dananya pada instrumen obligasi.<br />
Karakteristik<br />
• Cocok untuk tujuan investasi jangka menengah<br />
• Potensi hasil investasi yang diharapkan lebih tinggi<br />
dari deposito ataupun reksa dana pasar uang<br />
• Beberapa reksa dana memiliki mekanisme<br />
pembagian keuntungan berupa kas atau<br />
tambahan unit penyertaan yang dibagikan secara<br />
berkala<br />
<strong>Commonwealth</strong> <strong>Bank</strong> Indonesia<br />
<strong>Laporan</strong> <strong>Tahunan</strong> <strong>2011</strong><br />
The products offered include:<br />
1. Joint Financing<br />
2. Asset Buy at Par<br />
3. Asset Buy at Discounted Rate<br />
Investment Products<br />
<strong>Commonwealth</strong> <strong>Bank</strong> Indonesia provides a complete range<br />
of investment products to help our customers preserve<br />
and grow their wealth.<br />
CommInvest<br />
A. Conventional Mutual Funds<br />
1. Money Market Funds<br />
A mutual funds that invest 100% of its funds in<br />
money markets instruments, such as term deposits,<br />
SBI (Indonesian Treasury Bills), or short-term<br />
bonds (commercial papers issued by companies or<br />
government) which have maturity dates in less than<br />
one year.<br />
Characteristics:<br />
• Short-term investments that provide stable<br />
returns and preservation of principal / initial<br />
investment value.<br />
• Money Markets have slightly higher potential<br />
return than time deposits.<br />
• Money Markets are liquid investments and<br />
easily redeemed.<br />
• Free of subscription and redemption fee<br />
• The risk is relatively small compared to other<br />
types of Mutual Funds<br />
2. Fixed Income Funds<br />
A type of mutual fund that invests a minimum of<br />
80% of its funds in bonds.<br />
Characteristics:<br />
• Suitable for medium-term investment objectives<br />
• Fixed Income funds are likely to pay higher<br />
returns than term deposits or money market<br />
investments.<br />
• Some fixed income funds have a profit sharing<br />
mechanism in the form of cash payment or unit<br />
addition, distributed to investors on a regular<br />
basis.
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