Reksa Dana Calculator — Indonesia
See how a monthly reksa dana (mutual fund) investment grows over time at Indonesia's historical equity returns. No signup, no tracking.
Expected long-term returns
| Asset | Long-term return | Notes |
|---|---|---|
| Equity reksa dana (IHSG) | ≈ 9–11% p.a. | Long-term historical average |
| Sharia equity (saham syariah) | ≈ 9–11% | Shariah-screened |
| Mixed / balanced funds | ≈ 7–9% | Lower volatility |
| Money-market funds | ≈ 4–6% | Capital-stable |
Returns are historical averages, not guarantees. Markets fall as well as rise; invest for the long term and diversify.
Where to invest
- Bibit — beginner-friendly robo-advisor for reksa dana
- Bareksa — large marketplace, many fund managers
- Ajaib — stocks and reksa dana in one app
- Bank/manager platforms — BNI, Mandiri, Schroders, BNP Paribas funds; sharia options widely available
Worked example — the power of compounding
Example: Rp1,000,000/month for 15 years at 10% p.a.
- Future value: Rp417,924,266
- Total invested: Rp180,000,000
- Estimated gains from compounding: Rp237,924,266
That's roughly 2.3× your money — most of it from compounding, not contributions. Starting earlier matters more than investing more.
Tips for reksa dana investing
- Start from as little as Rp 10,000–100,000 per month on apps like Bibit or Bareksa.
- Use auto-debit monthly for discipline and rupiah-cost averaging.
- Saham syariah (Shariah-compliant) funds are widely available.
Frequently Asked Questions
How does reksa dana investing work in Indonesia?
You invest a fixed amount each month into a mutual fund (reksa dana). The fund buys a diversified portfolio, and your returns compound over time. Monthly investing smooths out market ups and downs.
What return can I expect?
The IHSG (Jakarta index) has historically returned about 9–11% per year over the long term. Mixed funds are steadier at 7–9%, money-market funds around 4–6%.
What is the minimum investment?
Apps like Bibit, Bareksa and Ajaib let you start from roughly Rp 10,000–100,000 per month, so you can begin small and increase later.
Are Shariah-compliant funds available?
Yes. Saham syariah and sharia money-market reksa dana are widely offered and screened to avoid non-compliant sectors and interest-based holdings.
Is reksa dana safe?
Equity funds carry market risk and can fall in any given year, but are diversified and regulated by OJK. Money-market reksa dana are much steadier. Match the fund type to your time horizon.