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.
Are reksa dana returns taxed in Indonesia?
Mutual fund (reksa dana) investment returns are not taxable in Indonesia — a notable exception to how bank deposit interest is treated (which is subject to a 20% final withholding tax).