1.

QUESTIONS FOR MONEY MARKET MUTUAL FUND

GROUP MEMBERS: 1. M.Arya Pradana (18/423475/EK/21799)
2. Naomi Simangunsong (18/426648/EK/21979)
3. Wildheno Hanif Ircan (18/ 423489/EK/21813)

NO QUESTION-GIVING GROUP QUESTIONS ANSWER

(GROUP NAME AND MEMBER NAME) (max 4 questions for each group)

1. - Agista Afiana Putri 1. Does this money market mutual fund 1. Yes it does.
(20/454778/EK/22742) provider like IPOT are being 2. You can withdraw all of your
- Kayla Ilyana Budihardjo controlled by the financial services money and we think it’s
(20/454792/EK/22756) authority in Indonesia (OJK)? possible to change the
- Alysia Citta Paramitha 2. What should we do if we want to stop ownership because mutual
(20/454780/EK/22744) the investment? Is it possible to fund same like any assets
Group : Insurance change the ownership? 3. A. Know your RDN account
3. How to top up the cash in IPOT? Is number. Number can be seen
there any partnership with a bank to in the IPOT application
facilitate this? B. Transfer funds to your IPOT
account, don’t forget to enter
the bank code if it is different
from the bank
C.Wait for a confirmation email
from the IPOT system
D. Check in the IPOT
application. After the funds
enter RDN you can directly
trade shares. Yes, you can top
up from any bank.

2. - Nadya Safira Akmaluddin 1. Who can invest in money market 1. Actually everyone can invest
(20/454797/EK/22761) mutual mutual fund ? as long as you have account
- Martin Khoirunnisa Amalia 2. What are the requirements for in fund provider/Bank
(20/454796/EK/22760) investing in money market mutual 2. No requirements as long as
 - Regita Kusumaning Putri fund? you have enough amount of
(20/454806/EK/22770) 3. Can investors choose an investment money, in this case Rp
Group : Reksadana pendapatan tetap manager when investing in money 100,000 , and you have to
market mutual fund? complete your personal
identity in your account (need
an id card)
3. Yes, of course they can. In
mutual fund, you can choose
an investment manager
depend on your criteria (based
on it’s return, value, total
asset, etc)

3. ● Astarina Oksesabatini Rianto 1. Is there a minimum purchase of a 1. Actually no minimum purchase

(20/454783/EK/22747) money market mutual fund like in because when you buy a
● Dzaky Ranmadhani stock purchases? mutual fund, your money will
(20/454786/EK/22750) 2. Can you recommend some products directly convert into a unit. But
● Amanda Aulita Putri of money market funds for beginner we suggest to start your
(20/454781/EK/22745) investors? investment from IDR100.000
Group = Stock Investment 2. Okay. For beginner you can
buy a product based on this
two:
- It’s AUM (Assets Under
Management) or in stock
same as Market Cap
- It’s NAV (Net Assets Value)
or it’s price
- It’s Return
For example you choose
products from top ten money
market mutual fund list in our
slides.

4. - Anawinta Choirunnisa 1. What are the main components of 1. Main components of money
 (20/454782/EK/22746) money market mutual funds? market mutual funds are
- Gentur Christian 2. Is it possible to invest in the money market securities like
(20/454787/EK/22751) long-term? T-bills/obligation, Bankers
- Jesica Pratiwi (20/454790/EK/22754) 3. What is the difference between acceptance, etc. These
Group : Term Deposit money market and capital market? securities are a short term
money market instrument and
very liquid to change.
2. Money market mutual fund is
a kind of mutual fund that
invests in highly liquid and
short-term instruments. If you
prefer long-term investment,
maybe this kind of instrument
is not the best choice for you.
3. Difference between Money
Market and Capital Market.

Money Capital
Market Market

1.Definition Money Capital

market is Market
part of is part
financial of
market financial
where market
lending where
and landing
borrowing and
takes borrowi
place for ng
short term takes
upto one place
 year for
medium
term
and
long
term

2.Institution Money Capital

s involved market market
contains involves
(central (stockbr
bank, okers
commercia mutual
l bank funds,
central underwr
banks, chit iters,
funds, and commer
companies cial
, etc) banks,
underwr
iters,
stock
exchan
ges,
insuran
ce
compan
ies)

3.Liquidity Money Capital

of the Market are Markets
market liquid is less
liquid
 4.Return Return in Return
On money in
investment market are capital
(ROI) usually low market
are high

5. - Erica Agustina 1. Is there any long-term money market 1. Maybe, you can choose an
(20/454854/EK/22818) instrument that can be used in obligation with flexible
- Jihan Rahadatul Aisy money market securities along with redemption option (such as in
(20/454791/EK/22755) the short-term ones? 3 months, 6 months, 12
- Nabila Ardyamita Septianingrum 2. How do we choose the right option of months, and so on)
(20/458369/EK/22959) fund for us? 2. Depends on your risk profile.
Group: Land Investment 3. Are there any different steps in Are you a risk lover or a risk
buying money mutual funds with averse. And your Financial
shariah mutual funds? plan.
4. On the advantages of MMF slide, it 3. There are no different steps.
is explained that MMF is very liquid,
but with that there are several risks
such as the manager's difficulty
when most of the unit holders do
redemption of the units they hold, so
the investment manager will
experience difficulties in providing
cash for the redemption. What
would you do in that situation as the
manager?

6. - Roy Hendro Baskoro W 1. Instead of investing, can we buy/sell 1. Yes but some experts did not
(18/423483/EK/21807) some money market mutual fund in recommend it because you
- Stephanus A. C. Pratama terms of trading? Do some experts will need to rebalancing your
(18/429516/EK/22125) recommend it ? portfolio, and also need to pay
- Al Viima 2. Despite being one of the safest more cost(selling and buying
 (18/426616/EK/21947) investment methods, can investors cost, management cost, etc)
Group : Investment (Cryptocurrency) 1. (in money market mutual funds) get 2. Of course,In a money market
an extreme money loss? Explain mutual fund mostly it’s return
your thoughts about it! is based on interest rate. For
3. Indonesian investors only focused on example when Bank Indonesia
its metropolitan area, and people in decided to adjust the BI7DRR
rural and suburban areas were to a lower point, the interest
clueless and rather afraid to put their rate in Bank Deposit will also
money on any modern investment going down and then the
method. In your opinion, please expected return for money
explain how to reach and persuade market mutual fund will go
them to invest in money market down as well
mutual funds in a very simplistic way! 3. Increasing financial literation
4. If you were a financial consultant, and financial inclusion will be
what method would you recommend the best ways to solve this
to a family who had recently been problem.
laid off? Would you recommend a 4. Sure we will recommend it if
money market mutual fund, and why they agree. Putting your
/ why not? money in a money market
mutual fund will only bring
benefit because of its liquidity
and give you return better than
bank saving.

7. - Safira Putri Ramadhianti 1. How long is the payback period from 1. It depends on your.financial
(20/454810/EK/22774) that investment? plan. There’s no payback
- Cahyani Lestari (18/429413/EK/22022) 2. Is the interest we invest unchanged? period in mutual fund
- Nadya Almira (18/426547/EK/21878) Do we receive same interest 2. No it will changes and adjust
Group: Boarding House percentage per year? with market condition (such as
3. Is money market mutual fund BI rate)
volatile? Compared to the other 3. Compared to the other
investment investments it is safe to say
4. Why is there no tax fee? the money market mutual fund
is much better in terms of
 volatility.
4. Because based on UU PPh
Pasal 4 ayat 3, mutual funds
are not a tax object.

8. - Billy Tungguputra Haryanto 1. What if we use this investment as Money market mutual funds are not
(19/439921/EK/22289) long-term? suitable for long term investment, ex:
- Serena retirement planning. This is because
(19/441489/EK/22507) they don’t offer much capital
- Hasna Hanansari appreciation.
(19/444835/EK/22653)
Group : ETF

9. - Belinda Dyah Tri Yuliasti 1. Why are money market mutual funds 1. Money market mutual funds
(18/423463/EK/21787) only suitable for short-term are only suitable for short-term
- Dea Cindy Wijayanti investments? investments because they
(18/423465/EK/21789) 2. What tools should we use to don’t offer much capital
- Milenia Mudillah measure mutual fund performance? appreciation.
(18/423473/EK/21797) 3. While doing a simulation of mutual 2. Tools for analysing mutual
Group : Peer to Peer Lending funds returns for making a portfolio, fund performance
what parameters should be used and ❖ Sharpe ratio
which distribution? ❖ Average Maturity
4. How can we measure the ❖ Expense Ratio
contribution of actively managed ❖ Portfolio Concentration
mutual funds to market efficiency? Ratio
❖ Exit Load
❖ Standard Deviation
❖ Portfolio Turnover
Ratio
❖ Treynor’s Ratio
❖ Beta

3. Average return annually, but

you can do it based on your
 own criteria.
4. Portfolio performance
depends on the opportunity
costs linked to the portfolio
yield. According to banks and
markets, these different costs
are fixed variable, direct or
linked to the size of the
assets.

- Jeanne Ellena Viabella 1. How to choose the best investment 1. Okay. For beginner you can
(18/429495/EK/22104) manager in a money market mutual buy a product based on this
- Maria Clara Anindita fund? two:
(18/429499/EK/22108) 2. Investment managers usually - It’s AUM (Assets Under
- Aditra Ananto Purnawan provide a fund fact sheet for mutual Management) or in stock
(18/426612/EK/21943) fund they sold. How can we use the same as Market Cap
Group: Equity Fund fund fact sheet effectively to choose - It’s NAV (Net Assets Value)
the right mutual fund? or it’s price
3. Is it feasible, financial-wise, to switch - It’s Return
between investment manager? For example you can choose
products from the top ten
money market mutual fund list
in our slides.
2. To use the fund fact sheet
effectively you need to
understand at least basic
financial knowledge. Such as
what is assets, liability, and
equity. And then keep study
more
3. Depend on your financial plan.
If you think that’s a right call,
 then do it.

11. - Fermata Ardini Azka 1. Before buying money market mutual 1. Yes. Nowadays you can do
(20/461125/EK/23081) funds, do you have to create a everything online. You only
- Yohana Maurenneta special bank account to be able to need visit fund provider
(20/461160/EK/23116) top up on the application? website or apps and start your
- Aldi Hendrawan 2. By buying money market mutual investment journey
(20/454779/EK/22743) funds, will we have the ability to 2. No, you only have the right to
Group: Luxury Goods make corporate decisions such as make a corporate decision if
RUPS? you are the stock owner.
3. How do we get more profits apart 3. Diversified your portfolio,
from returns, whereas in money maybe 30% stocks, 30% index
market mutual fund that have low fund, and 40% money market
returns? fund
4. What are the requirements to 4. Fill the registration form with
register in the application so that you your biodata and don’t forget
can buy money market mutual to upload your ID Card, Bank
funds? account number, autograph,
and selfie

12 - Fatin Hilatun Nisa 1. How to minimize the disadvantages

(18/426529/EK/21680) of money market mutual fund ? 1. Diversified your portfolio and
- M Hanief Hanani P 2. Which is the safest investment in a do your own research about
(19/444840/EK/22658) money market mutual fund ? the product
- Aswin Hediprasetya 3. Many people prefer to invest in bank 2. Basically all of them
(16/397157/EK/21113) deposits rather than in money market 3. The disadvantage of money
Group : Cryptocurrency (leveraged token) mutual funds even though in the market mutual funds
same period it has higher returns, is compared to bank deposits is
there other disadvantage of money that investment capital in
market mutual funds compared to mutual funds is not
bank deposits? guaranteed, only mutual fund
4. If a company that provides a money management and investment
market mutual fund declares managers who manage
bankruptcy, is the client money safe mutual fund are supervised by
 or not? OJK
4. When a money market mutual
fund provider is declared
bankrupt, the client money is
safe because Otoritas Jasa
Keuangan (OJK) has
regulated this condition in its
regulations regarding mutual
funds in the form of collective
investment contracts (KIk)

13. - Inas Farrosi Hanandiya 1. Are there any taxes on money 1. No taxes
(20/454789/EK/22753) market mutual funds? 2. Yes especially since
- Lintang Nur Izdihar 2. Are money market mutual funds pandemic. So many people
(20/461135/EK/23091) working effectively in Indonesia? start their investment and for
- Nurma Anggita Cahyani Then, how is the progress? beginner Money market
(20/454800/EK/22764) 3. How is management fee calculated mutual fund will be the right
in money market mutual funds? choice
Group : Money Market Index Funds 4. How to identify mutual funds with the 3. Depends on fund provider’s
greatest potential for profit? policy.
4. In a money market mutual
fund you can use their AUM
as a basis. Bigger AUM
means the products well
known and trustworthy

14. - Puke Dadari Wibowo 1. Is there any advice that you would 1. Start from a small number and
(20/454802/EK/22766) like to give to those who want to try then grow step by step. Know
- Ridha Mukti Inayah to invest in a money market mutual the rules, how it works and
(20/454808/EK/22772) fund for the first time? you will be successful.
- Rizka Nur Amalia 2. Are money market funds rather safe 2. Yes they are.
(20/454809/EK/22773) in a recession? 3. Make sure it’s legal and
Group : Property 3. How to choose the right fund authorized by OJK.
provider? 4. Yes, all investors are returned
 4. Can money market mutual fund their funds based on the last
companies go bankrupt? What available net asset value,
happens to investor’s money then? before winding up

15. - Feby Olivia Sinaga 1. Your group talked about money Yes sure. For example you can invest
(20/458349/EK/22939) market mutual funds. Do you guys in money market securities such as
- Sigi Putri Davni think it is possible to invest in money government bond (In Indonesia like
(20/461153/EK/23109) market instruments on our own, SUN, ORI, SBR) and for how to buy
- Salsabila Auvinola without through mutual funds? If so, you can visit your bank and follow
(20/461152/EK/23108) how are the steps? their instruction
Group: Bonds

16 - Ummu Inayah M 1. Of course the company will

(18/423487/EK/21811) 1. Is there any corrective action (what replace him/her with new
- Amalia Wikandari kind of corrective action) if person in charge and make
(18/429487/EK/22096) management companies made a sure there’s no bad effect to
- Oudita Dwi Septanti mistake (example : One of managers the client before.
(429508/EK/22117) abuse their authority, etc.) ?
Grup : Options

17. - Lista Yassinta 1. What is the difference between 1. There is no difference

(20/461136/EK/23092) money mutual funds and shariah between money market
- Raphaela Agnes Rompas mutual funds other than shariah mutual funds with shariah
(20/454805/EK/22769) mutual funds uses Islamic law? money market mutual funds
- Fadia Haya Herdya Kusuma 2. Is it possible to invest in a money besides using islamic law.
(20/461122/EK/23078) mutual fund alone without a 2. No. The concept of mutual
Group : Investment Savings manager? fund is to entrust a certain
3. What kind of fundamentals should amount of money (of our own)
we consider before buying mutual to a mutual fund professional
funds ? manager.
3. Mutual fund profile and it’s
financial report
18. - Lisa Alviani (20/454793/EK/22757) 1. Mutual funds are known to be quite 1. Each type of investment has
- Muhammad Iqbal Zulhansyah safe investments for people who are its own risk. Every capital
(20/454794/EK/22758) new to investing, but investors don't deposited by investors to
- Fasya Pavita Rayhan have control over the capital they certain mutual funds is
(20/461124/EK/23080) deposit. So, is investing in mutual expected to provide benefits in
Group: Gold Investment funds really safe or has the potential the future. However, every
to lose money? investor must pay attention to
2. Is there any legal protection from the the profit opportunities of each
government to protect the investors selected mutual fund. If you
in sharia mutual funds? are not careful, investors may
3. Does the sharia mutual fund system get out of line with
use return in the form of interest like expectations or even lose
conventional systems or use other money.
forms of return? 2. mutual fund management and
4. Are there any requirements (ex: investment managers who
NPWP or KTP) that investors must manage mutual fund are
have to make an account and invest supervised by OJK and for
in mutual funds? sharia mutual fund investment
managers usually listed on
Daftar Efek Syariah (DES)
3. The system of Islamic mutual
funds, namely investment
managers will collect funds
from investors and will
manage money in several
instruments such as bonds,
money market products, or
stocks that carry out sharia
principles. Investment
managers will not place
investors in the shares of
companies that violate Islamic
law, such as companies
selling and buying cigarettes,
 liquor, and conventional
banking (usury). Usually
investment managers also
only manage mutual funds
that are usually listed on the
Sharia Securities List (DES).
4. Yes, you need an identity card
(KTP) to make an account in
mutual funds.

19. - Ananggito Galih Kusuma 1. Is there a minimum age to invest in 1. As long as you have an
(18/426515/EK/21846) money market mutual funds? If so, account you can invest in a
- Albar Hafidz (18/426513/EK/21844) how old is the minimum age? What if money market mutual fund.
- Farid Fakhri F. (18/426627/EK/21958) I’m underage but want to invest? But to make an account, you
need an id card. For underage
Group: SBR users, you can ask your
parents help to make an
account.