Sequis Life Unit-Linked Funds Strong, Dollar-Denominated and Money Market Products Become Mainstays

Jakarta, CNBC Indonesia - Market movements, which have frequently shifted direction in recent years, have made savers more inclined to look at performance history before choosing a unit-linked product. After all, unit-linked returns are heavily influenced by how the funds are allocated, ranging from relatively stable instruments to more aggressive ones.

In the Best Unit Linked Investment Performance assessment compiled by CNBC Indonesia Research in collaboration with PT Infovesta Utama, Sequis Life’s unit-linked products recorded competitive performance across several assessment groups. Referring to three-year and one-year return data, Sequis Life’s products demonstrated competitive performance in the dollar-denominated fixed income category and conventional money market.

Dollar-Denominated Fixed Income as a Cornerstone

The spotlight falls on the Sequis Q USD Stable Fund, which stood out in the dollar fixed income category. Over three years, the fund delivered a return of 15.78% with a Total Score of 25.00. That achievement indicates a management approach capable of maintaining a measured performance over the medium term, particularly as global market conditions move dynamically.

Performance also extends to shorter horizons. In the one-year period, the Sequis Q USD Stable Fund posted a return of 7.27% with a Total Score of 32.80. The higher one-year score indicates the product’s competitiveness among its short-term peers.

Character-wise, dollar fixed income products generally focus on USD-denominated bonds that tend to be more defensive, with the aim of preserving yield stability and managing fluctuations, especially as market volatility increases.

Rupiah Cash Fund Strengthens Sequis Life’s Stability Strategy

In addition to dollar fixed income, Sequis Life also achieved in the money market category via the Rupiah Cash Fund. Over three years in the conventional money market category, this product delivered a return of 13.96% with a Total Score of 29.60. This performance aligns with the money market’s emphasis on liquidity and stability, and is often chosen by savers seeking greater flexibility in fund management with more measurable risk.

Sequis Life Strategy Clearly Visible

In the CNBC Unitlink Award assessment, not only the magnitude of returns is considered. The Total Score also determines the strength of a product’s performance relative to peers in the same group. Thus, scoring is based on four main indicators: annualised return, annualised risk, risk-free rate, and modified Sharpe.

For Sequis Life, the strength signals come from two distinct but complementary product characteristics. The Sequis Q USD Stable Fund stands out in the dollar fixed income category over three years and one year, showing a performance that is measured and consistent. Meanwhile, the Rupiah Cash Fund performs competitively in the conventional money market over three years, underscoring the role of liquid instruments as a more stable option.

This achievement is relevant as the unit-linked industry is moving towards a healthier phase after navigating a volatile market period and regulatory adjustments in recent years. In such circumstances, investors are more selective and increasingly focus on products whose performance can be sustained, not just briefly high. Products able to perform well over the medium term and endure in the short term are typically more attractive to customers who prioritise realistic returns and controlled risks.

In this context, Sequis Life’s strategy of emphasising stability through dollar-denominated fixed income, while maintaining flexibility through rupiah money markets, adds value when market directions can still change rapidly.