Frequently Asked Questions

We manage equity funds focused on Indonesian listed companies, fixed income funds investing in government and corporate bonds, balanced funds that combine equities and bonds, and money market funds for short-term cash management. Each fund has a clearly defined investment mandate, benchmark, and risk profile. For institutional and high net-worth clients, we also offer bespoke structured portfolios — please contact us directly to discuss a tailored mandate.

Yes. PT Ciptadana Asset Management is registered with and supervised by Otoritas Jasa Keuangan (OJK), Indonesia's Financial Services Authority. We operate under the prevailing capital market laws and regulations — including POJK and SEOJK provisions — and adhere to strict compliance, reporting, and governance standards. Our financial statements are audited annually by an independent firm.

You will receive monthly account statements and our regular fund performance reports. Daily Net Asset Values (NAV) for our mutual funds are published through our client portal and major financial information providers. Our investment team is available to discuss your portfolio's performance — we encourage clients to schedule periodic reviews with us so we can address questions and ensure the strategy remains aligned with your objectives.

We believe in disciplined, research-driven investing. Every security in our portfolios is selected through fundamental analysis — we study the business, the management team, the competitive landscape, and the macroeconomic context before committing capital. We do not speculate on short-term price movements. Our goal is to deliver consistent, risk-adjusted returns over full market cycles, not to chase the highest returns in any single quarter. For a fuller explanation, please see our Philosophy page.

For our retail mutual funds, the minimum initial investment is typically IDR 10 million, with subsequent top-ups starting from IDR 1 million. For structured portfolios and institutional mandates, minimums are discussed on a case-by-case basis depending on the complexity and asset mix of the mandate. Please contact us for specific details on the fund or service you are interested in.

Yes. While our primary focus is the Indonesian market, we welcome international investors who wish to gain exposure to Indonesian assets through our funds. Non-resident investors will need to meet certain eligibility requirements and provide the appropriate documentation. Please contact us to discuss the account opening process and any regulatory considerations specific to your jurisdiction.

Our mutual funds charge a management fee and, in some cases, a performance fee — both disclosed in each fund's prospectus and marketing documents. There are no hidden charges. For structured portfolios, fees are negotiated based on the size, complexity, and service level of the mandate. We believe in full fee transparency and are happy to walk prospective clients through our fee structure before any commitment.

Our open-ended mutual funds allow redemptions on any business day at the prevailing NAV, with settlement typically within T+3 to T+7 business days depending on the fund type. Certain funds may charge a redemption fee for withdrawals made within a short holding period — this is disclosed in the fund prospectus. Structured portfolios may have different liquidity terms agreed upon at the start of the mandate.

PT Ciptadana Asset Management is a subsidiary within the Ciptadana Group, one of Indonesia's most established financial services firms. The Group also operates Ciptadana Securities (brokerage), Ciptadana Capital (investment banking), Ciptadana Multifinance, and Ciptadana Private Equity. While we benefit from the Group's research, infrastructure, and market presence, our investment decisions are made independently by our investment team, in the sole interest of our clients.