economy

Investment Resolution 2025: Smart Strategies For Navigating Market Changes And Taxes

As we enter 2025, Indonesian investors face new challenges and opportunities. The global and domestic economic landscape is marked by uncertainty and changing monetary policies, requiring investors and financial market players to be more adaptive and smart in managing their investment portfolios, particularly by creating a balanced portfolio.

Danica Adhitama, Director of PT Bahana TCW Investment Management, emphasizes that in 2025, investors need to adapt and diversify their investment portfolios. Choosing the right, low-cost investment products is key. One option to consider is index mutual funds, which offer several advantages, including low costs while still providing optimal returns by tracking their benchmark index.

For instance, the ABF IBI FUND is an index mutual fund focused on fixed income, initiated by EMEAP (the Executives' Meeting of East Asia and Pacific Central Banks), which includes 11 central banks from the Asia-Pacific region, including Bank Indonesia. This fund is exclusively marketed in Indonesia by Bahana TCW.

"Despite the challenging global and domestic economic conditions in recent years, this product has consistently achieved double-digit growth. In fact, over the past five years, it has recorded a return of 36.49%," Danica stated.

In the midst of economic changes, certain sectors continue to show growth potential. Conducting thorough research on these promising sectors can uncover attractive investment opportunities. To easily access information about which sectors are promising, investors can leverage the expertise and experience of financial institutions like investment managers in analyzing market conditions.

Investing in domestic markets can be enhanced by using the expertise and networks of investment managers, allowing investors to access global index funds. By investing in these funds, one gains exposure to a broad market, which helps in diversifying investments and reducing overall risk.

Additionally, mutual funds are a popular investment tool that is not affected by taxes. They provide flexibility and easy access for both new and experienced investors. With a relatively low minimum investment, individuals can benefit from a professionally managed diversified portfolio.

There are various types of mutual funds, including money market, fixed income, mixed, and equity funds, enabling investors to choose based on their risk profile and investment goals. Another advantage is that according to tax law, mutual funds and their unit holders are not subject to tax. This is because mutual funds are collective investment contracts where the profits received by investors are the net value after all transaction costs, as noted by Danica.

Despite facing challenges, Indonesia's investment market still holds promising growth potential. The government aims for Indonesia's investments to reach 120 billion USD by 2025, equivalent to about 1,900 trillion IDR. This target includes both foreign and local investments, which are expected to drive national economic growth.

The year 2025 presents both challenges and opportunities for Indonesian investors. With the right strategies and a deep understanding of market dynamics, investors can optimize their portfolios to achieve long-term financial goals. Mutual funds, as a tax-free investment option, are a smart choice amid discussions about taxation.

Tag: Investment Resolution 2025 Market Changes And Taxes