Smart way to invest! Mutual Fund is a professionally managed investment fund that pools money from many investors, to be invested by Fund Manager into selective securities.MUTUAL FUND TYPE Mutual Funds allocate investor’s funds into various investment instruments to diversify and minimize risk. Mutual Fund Types Investment Allocation Potential Return & Risk Recommended Investment Period Money Market 100% money market instruments Low Short term < 1 year Fixed Income Min 80% in fixed income instruments Medium Medium term 1-3 years Balanced Combination of money market, fixed income, and equities instruments Medium/High Medium/Long Term Equity Min 80% in equity instruments High Long Term > 3 years FUND MANAGERCommonwealth Bank provides wide selection of mutual funds investment from various professional, licensed, and experienced Fund Managers such as: PT. Ashmore Asset Management Indonesia PT. Batavia Prosperindo Aset Manajemen PT. BNP Paribas Investment Partners PT. CIMB-Principal Asset Management PT. Danareksa Investment Management PT. Eastspring Investment Indonesia PT. First State Investment Indonesia PT. Mandiri Manajemen Investasi PT. Manulife Aset Manajemen Indonesia PT. Schroders Investment Management IndonesiaBENEFIT Potential capital gain Capital Gain that is obtained from mutual fund investment is not subject to tax High liquidity, investors may redeem the units at any time according to regulation set in prospectus Variety of products allow investors to have flexibility for their investment Easy to invest Top Up can be done through internet banking and mobile banking. Mutual fund redemption transaction can also be done in internet banking Information Transparency Unit price or NAV information can be accessed from: Newspaper (Bisnis Indonesia, Investor Daily, Kontan, etc.) Transaction Confirmation Letter from Custodian Bank Monthly Statement that can be accessed through Internet Banking Low cost Detailed information related to the subscription fee of mutual fund can be accessed through this linkRISK Mutual funds can provide potential return as well as potential loss for investors. Therefore, investors need to consider and understand the risks when investing in mutual funds, such as: Risk of Depreciation of Unit Value The risk of unit value depreciation is due to falling securities portfolio prices and Net Asset Value of the Mutual Fund, as the result of market condition changes (such as interest rates, inflation, etc.), default of securities issuers, etc. Legal Risk Risk of changes in policy related to mutual fund. Liquidity Risk Risk that occurs when all or most of investors redeem their unit holdings simultaneously. Liquidation Risk Risk when mutual fund is closed and liquidated by the regulator when the Net Asset Value of funds managed is less than the minimum requirement as stated in related regulation.TERMS & CONDITIONS FOR MUTUAL FUND SUBSCRIPTION Age between 21-75 years old or married Have an active Commonwealth Bank account Fill in Risk Profile Questionnaire and Subscription Form Have read and understand the prospectus & fund fact sheetShould you require further information, please contact Call Commbank (24 hours) in 15000-30 or (area code) 15000-30 from mobile or visit our nearest branch.FEE & CHARGES Detailed information related to the subscription fee of mutual fund can be accessed through this linkSIMULATION To assist you in calculating potential fund to be invested from your monthly income for your future financial needs, you can use Investment Calculator.Investment Calculator is accessible with the following link DISCLAIMER INVESTMENT IN THE FORM OF MUTUAL FUND CONTAINS RISK. A PROSPECTIVE INVESTOR MUST READ AND UNDERSTAND THE PROSPECTUS PRIOR TO DECIDING TO INVEST IN A MUTUAL FUND. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.Mutual fund is a Capital Market Product, NOT PT. Bank Commonwealth’s (“Bank”) product and NOT the Bank’s third-party deposit, hence it is not guaranteed by the Bank and excluded from the government guarantee program or deposit guarantee. Bank act as Mutual Fund Selling Agent.