Resilient Mutual Funds Post 16% Returns Amid Economic Turmoil
Jakarta, CNBC Indonesia — Diversifying investments during global market turbulence is a key strategy to mitigate portfolio losses. Mutual funds present an optimal diversification option.
According to Bareksa data as of 30 May 2026, mutual fund indices have shown strong returns in mitigating portfolio risks from both external and internal economic volatility.
Conventional and Sharia-compliant money market mutual funds have demonstrated resilience compared to other products during current uncertain times.
This is reflected in positive returns across various investment periods, with five-year returns reaching 13% to 16% or higher—among the highest compared to other products.
Fixed income mutual funds, both conventional and Sharia-compliant, have also delivered solid returns.
Conversely, equity and mixed mutual funds, whether conventional or Sharia-compliant, have underperformed.
Why Choose Mutual Funds?
Based on the mutual fund performance table above, this instrument is a viable choice for investors during turbulent economic times.
Additionally, mutual funds are ideal for beginners as they are professionally managed by investment managers and regulated by the Financial Services Authority (OJK).
Before investing, determine your financial goals—whether short-term (up to one year), medium-term (two to three years), or long-term (five years or more).
This is crucial for selecting the appropriate mutual fund product.
Understand your risk profile to choose suitable investments, ensuring comfort in your portfolio, as investing involves psychological factors beyond just financial aspects.
Generally, risk profiles fall into three categories:
Conservative: This profile avoids risk, favouring safe and stable instruments with modest returns.
Moderate: This profile accepts higher risk than conservative, aiming to outpace inflation or fixed deposits.
Aggressive: This profile tolerates high risk for potentially higher returns.
Starting Mutual Fund Investments
Conservative investors should opt for money market funds, moderate ones for fixed income and mixed funds, while aggressive investors should choose equity funds.
Numerous investment managers are available, so select one that aligns with your criteria.
Factors to consider include the manager’s scale based on assets under management and historical returns.
Review the manager’s portfolio, such as stock selections for equity funds and their investment strategy.
Now is the time to start investing in mutual funds. Regular monthly investments via online platforms like BRI’s BRImo app allow easy purchasing of fund units.
Purchasing mutual funds via BRImo is straightforward. A BRI account is required, but if you don’t have one, registration takes minutes, enabling immediate fund purchases.
How to buy mutual funds on BRImo
Click the mutual funds icon in the investments menu
Select desired mutual fund product
Enter purchase amount
Confirm terms and conditions
Enter BRImo PIN
Mutual funds successfully purchased
The most challenging aspect of mutual fund investing is maintaining consistent monthly contributions, requiring high discipline.