Uncertain Global Conditions: Stable and Liquid Cash Parking Strategies - Bareksa.com
Uncertain Global Conditions: Stable and Liquid Cash Parking Strategies
Following the long holidays for Nyepi Day and Eid al-Fitr in Indonesia, global conditions remain shrouded in various uncertainties. From unclear directions in interest rates to escalating geopolitical tensions and fluctuating stock and bond market movements.
This situation has led many investors to exercise greater caution. Rather than aggressively entering riskier assets, many are opting for a wait-and-see stance while awaiting more ideal momentum. Low-risk instruments, such as the Sucorinvest Money Market Fund and Sucorinvest Sharia Money Market Fund, can serve as choices to keep funds productive while waiting for attractive opportunities.
Wait and See Does Not Mean Idle Funds
In the current conditions, a wait-and-see strategy is indeed a rational choice. However, it is important to understand that waiting does not mean leaving funds idle without direction.
Many investors are now adopting a more flexible approach:
● Not fully exiting the market
● Nor aggressively entering higher-risk instruments
● Maintaining liquidity while awaiting opportunities
This is where the concept of temporary cash parking becomes relevant. Funds are placed in relatively low-risk instruments that still offer potential returns. Thus, they can be easily redirected when investment opportunities arise.
Money Market Funds: Defensive Instruments That Remain Liquid
One instrument frequently used for this strategy is the money market fund.
This type of fund has several key characteristics:
● Relatively low risk, as it is invested in deposits and short-term bonds (maturities of no more than one year)
● Minimal volatility, so its value remains relatively stable
● High liquidity, with funds withdrawable at any time as needed
Compared to deposits, money market funds also offer greater flexibility because there is no fund lock-in period. Moreover, their returns are not subject to tax, unlike bank deposits which incur deductions.
With these characteristics, money market funds are suitable for temporary cash parking. Additionally, they can serve as a buffer in investment portfolios and a diversification tool to maintain asset value stability.
Sucorinvest Money Market Fund as a ‘Transit Point’ for Funds
One product to consider in this strategy is the Sucorinvest Money Market Fund. Its return reached 5.11% over the past year (data as of 25 March 2026). A sharia-managed option is also available in the Sucorinvest Sharia Money Market Fund, which recorded a return of 4.74% per year (25 March 2026).
Both funds are managed by Sucor Asset Management, an experienced investment manager in Indonesia. By focusing on high-quality money market instruments, these two products are designed to provide high liquidity alongside competitive return potential in their class.
While both are in the money market asset class, the Sucorinvest Sharia Money Market Fund offers sharia-compliant management, appealing to investors who prefer instruments aligned with sharia principles.
Interestingly, such money market funds are not only suitable for beginner investors but also for experienced ones or active traders. In uncertain market conditions, money market funds can function as a ‘transit point’ for funds before reallocating to more aggressive instruments.
In other words, investors remain ‘in the market’ but with a more controlled risk level.
Smart Strategy: Park Funds While Maintaining Investment Discipline
One common mistake during uncertain markets is to stop investing altogether. However, consistency remains a key factor in building portfolios.
An approach that can be taken is:
● Redirecting a portion of funds to defensive instruments
● Continuing regular investments
● Maintaining flexibility for rebalancing
This strategy allows investors to remain productive without taking excessive risks.
Notably, investors with regular income, such as monthly salaries, can stay consistent by using Dollar Cost Averaging (DCA). This means adding capital each month (top-ups) without worrying about market timing.
Simulation of Cash Parking and Regular Investments
As an illustration, investors can combine two methods: large lump-sum placements for cash parking and monthly routine investments (top-ups using Dollar Cost Averaging).
To see the potential results, let us use a Bareksa investment simulation based on historical data. For example, an investor:
● Places an initial fund of Rp100 million
● Regular monthly top-ups of Rp10 million for 3 years
● Total capital becomes Rp460 million
However, if routinely invested in the Sucorinvest Money Market Fund from 27 March 2023 to 25 March 2026, the total investment reaches Rp504.2 million.
This means a growth (return) of Rp44.2 million from the total capital, or about 9.6%.
This approach helps balance relatively low price volatility with fund growth while ensuring funds are readily available for use at any time.
Stay Calm, Keep Funds Productive
In situations full of uncertainty, being defensive does not mean stopping altogether. On the contrary, this is a moment to arrange strategies more wisely.
Money market funds