Memilih Unit Link Asuransi Terbaik

Kalau anda membaca di artikel ini, harusnya anda sudah familiar dengan istilah unit link, yaitu reksadana yang dikaitkan dengan asuransi yang anda miliki. Jadi untuk mempermudah pemahaman anda, anggap saja unit link = reksadana.

Idealnya suatu unit link harus memiliki perkembangan nilai yang sama atau lebih tinggi daripada kenaikan biaya asuransi anda, sehingga polis asuransi anda bisa self-sustaining (membayarkan dirinya sendiri) tanpa anda perlu top-up seumur hidup. Memiliki asuransi yang self-sustaining tentu merupakan salah satu kriteria kebebasan finansial.

Sehingga, sebenarnya penting untuk memilih unit link terbaik untuk memaksimalkan retur maksimal pada asuransi anda. Sayangnya, kebanyakan agen asuransi tidak membimbing klien mereka untuk bisa memilih unit link mana yang paling tepat untuk mereka, dan biasanya langsung memilihkan jenis EKUITAS yang digembor gemborkan sebagai juara. Padahal, ekuitas jelas-jelas memiliki risiko tertinggi dibandingkan jenis unit link/reksadana lainnya.

Jadi, dalam artikel kali ini saya akan memberikan rekomendasi unit link terbaik milik beberapa penyedia asuransi, agar anda tidak pasrah didipilihkan agen asuransi anda. Sama seperti strategi investasi saya di aset lainnya, sayapun merekomendasikan anda untuk menyebarkan dana anda di 3 jenis unit link yaitu pendapatan tetap, campuran, dan saham untuk meminimalkan risiko penurunan yang bisa berakibat batalnya polis (lapse).

Sebelum membandingkan, anda perlu tahu apa saja faktor yang saya gunakan dalam meninjau unit link?

  1. Retur masa lampau: Apakah konsisten selalu naik tanpa volatilitas yang labil?
  2. Benchmark: Setiap unit link dan reksa dana memiliki suatu acuan yang berusaha ditiru, misalnya indeks IDX30 atau LQ45. Apabila unit link tersebut bisa mengikuti gerakan benchmark dengan konsisten, maka dipastikan kinerjanya bagus.
  3. Nilai pertumbuhan: Apakah nilai pertumbuhan rata-rata per tahunnya bisa mengalahkan nilai kenaikan asuransi anda?

Informasi tambahan:

  • Saya meninjau seluruh unit link yang laporannya tersedia di situs resmi asuransi terkait, namun yang saya sajikan disini hanya tiga yang terbaik sesuai kriteria diatas, masing-masing dari ekuitas, pendapatan tetap, dan campuran.
  • Saya menggunakan laporan resmi setiap asuransi di periode Juni 2019.
  • Saya tidak merekomendasikan pasar uang seluruhnya karena performa unit link pasar uang tidak ada yang mengalahkan deposito.
  • Saya juga tidak mengulas unit link berbasis dolar.
  • Polis anda mungkin saja tidak mengijinkan untuk memilih unit link yang saya rekomendasikan disini.
  • PENTING! Cara saya menghitung retur rata-rata: Total pertumbuhan selama peluncuran (since inception) dibagi dengan umur sejak unit diluncurkan. Perhitungan ini sangat sederhana dan jauh dari akurat, makanya kelihatan tinggi sekali returnya. Model perhitungan ini hanya untuk gambaran saja. Perhitungan yang lebih akurat harusnya melihat pertumbuhan dari tahun ke tahun, dijumlahkan, dan dibagi tahun berjalan. Model ini tidak memungkinkan untuk saya gunakan karena saya tidak bisa mengakses retur historikal dari belasan tahun lalu. Apabila manajer investasi menyediakan angka real menggunakan metode yang akurat, maka angka tersebut yang saya sertakan.
allianz
Allianz

Campuran: Smartlink Rupiah Balanced Fund

  • Unit link campuran dengan komponen saham, obligasi, dan pasar uang yang berimbang.
  • Komposisi saham di perusahaan-perusahaan ternama berperforma baik.
  • Komposisi obligasi milik pemerintah sehingga lebih aman daripada korporasi.
  • Perkembangan nilai konsisten naik sejak peluncuran.
  • Dalam waktu singkat selalu mengalahkan benchmark, meskipun di jangka panjang sempat ketinggalan jauh.
  • Retur rata-rata sejak peluncuran 17-18% per tahun.

Alternatif: Smartlink Rupiah Balanced Fund Plus

Bagi yang merasa Smartlink Rupiah Balanced Fund returnya terlalu kecil, anda bisa melirik adiknya yang memiliki nama belakang PLUS.

  • Komposisi pasar uang dan obligasi dalam versi PLUS ini dikurangi dan ditambahkan ke pasar saham untuk mengoptimalkan pertumbuhan jangka panjang.
  • Lebih konsisten mengikuti gerakan benchmark dibandingkan kakaknya, meskipun selisih nilainya lumayan jauh dengan sang benchmark.
  • Retur rata-rata 10,9% per tahun, namun karena umur unit link ini masih muda, kemungkinan rata-ratanya akan terus berkembang seiring berjalannya waktu.

Pendapatan Tetap: Smartlink Rupiah Fixed Income Fund

  • Lebih dari 90% ditaruh di obligasi sehingga sangat aman.
  • Mengalahkan benchmark cukup jauh namun tetap mengikuti pola pergerakannya.
  • Retur jangka pendek maupun panjang sangat stabil.
  • Komponen utama ditaruh dalam obligasi negara yang lebih terjamin dibandingkan obligasi korporasi.
  • Pertumbuhan nilai rata-rata sejak peluncuran 15% per tahun.

Ekuitas: Smartlink Rupiah Equity Fund

  • Risiko dan potensi pertumbuhan tertinggi.
  • Konsisten mengikuti gerakan benchmark dan bahkan nilainya mengalahkan benchmark di jangka pendek.
  • Sayangnya, retur tahunan rata-rata hanya beda tipis dibandingkan dengan fixed income maupun balanced fund.
  • Saya kira unit link ini akan berkembang pesat dalam tiga tahun kedepan.
  • Pertumbuhan nilai sejak peluncuran 17% per tahun.

Rekomendasi Saya

  • 30% Rupiah Equity Fund, 20% Fixed Income Fund, 50% Balanced Fund.
mandiri
AXA dan AXA Mandiri

Pendapatan Tetap: Fixed Money Rupiah

  • Berhasil mengalahkan benchmark di jangka pendek, sehingga dalam setahun kedepan kelihatannya bisa konsisten melampaui benchmark.
  • Gagal mengikuti nilai benchmark di jangka panjang, namun pertumbuhan total sejak diluncurkan berhail mengalahkan benchmark.
  • Jumlah kenaikan nilai tidak terlalu konsisten, diantara 6-9% per tahun.
  • Alokasi dominan di obligasi negara yang cenderung lebih aman daripada korporasi.
  • Pertumbuhan rata-rata sejak peluncuran 10%.

Alternatif: Secure Money Rupiah

  • Kinerja dibawah benchmark namun pergerakannya konsisten mengimitasi benchmark.
  • Komposisi didominasi obligasi pemerintah.
  • Komposisi pasar uang di Secure Money Rupiah lebih besar daripada Fixed Money rupiah, sehingga secara teori harusnya lebih aman dengan retur lebih kecil, namun nyatanya tidak demikian
  • Pertumbuhan rata-rata sejak peluncuran 12% per tahun, lebih tinggi daripada Fixed Money Rupiah.

Campuran: Progressive Money Rupiah

  • Komponen campuran saham, pasar uang, dan obligasi.
  • Secara konsisten berhasil mengimitasi gerakan benchmark dan bahkan mengalahkan dalam jangka waktu singkat.
  • Retur rata-rata sejak peluncuran 33% per tahun.
  • Saham perusahaan yang dipilih adalah Blue Chip Indonesia.

Ekuitas: Dynamic Money Rupiah

  • Pertumbuhan rata-rata sejak peluncuran 57% per tahun.
  • Komposisi didominasi saham-saham Blue Chip Indonesia
  • Cenderung mengalahkan benchmark di jangka pendek dan konsisten mengimitasi benchmark dalam jangka panjang.

Rekomendasi Saya

50% Dynamic Money Rupiah, 30% Fixed Money Rupiah, 20% Progressive Money Rupiah.

aia
AIA

Pendapatan Tetap: IDR Prime Fixed Income Fund

  • Komposisinya hanyalah reksadana kelolaan BNP Paribas dan Schroder, keduanya memiliki komposisi obligasi yang dominan.
  • Pergerakan nilai konsisten mengikuti benchmark.
  • Nilai unit konsisten mepet dengan benchmark (imitasinya bagus) bahkan di jangka pendek mengalahkan benchmark secara tipis.
  • Pertumbuhan setahun terakhir bisa menyaingi pasar saham.

Alternatif: IDR Fixed Income Fund

  • Dibandingkan adiknya, komposisi pasar uang di Fixed Income Fund ini lebih tinggi sehingga returnya lebih kecil.
  • Performa terhadap benchmark juga konsisten.
  • Dibanding kakaknya, unit link ini secara langsung menginvestasikan pada obligasi, tidak melewati reksadana milik manajer investasi lainnya.

Campuran: IDR Balanced Fund

  • Komposisi yang berimbang antara semua jenis instrumen.
  • Retur setahun terakhir mengalahkan unit link saham.
  • Konsisten mengikuti pergerakan benchmark.

Ekuitas: IDR China India Indonesia Equity Fund

  • Mengkapitalisasi pasar saham India dan Tiongkok yang sedang berkembang pesat.
  • Pergerakan nya sangat ketat mengikuti benchmark secara konsisten.
  • Namun nilai retur masih kalah dibandingkan IDR Balanced Fund.
  • Saya kira retur unit link ini akan berkembang pesat tiga tahun kedepan.

Rekomendasi Saya

  • 40% IDR Balanced Fund, 30% IDR Fixed Income Fund, 30% IDR China India Indonesia Equity Fund.
manulife
Manulife

Saya kesulitan merekomendasikan unit link Manulife karena kebanyakan memiliki performa mirip-mirip, dan semuanya lumayan bagus!

Ekuitas: Manulife Dana Ekuitas

  • Retur rata-rata per tahun sejak peluncuran: 58% – Sangat tinggi!
  • Performa mengalahkan benchmark di jangka pendek meskipun kalah di jangka panjang.
  • Komposisi dominan di saham Blue Chip Indonesia.

Alternatif: Manulife Dana Ekuitas Syariah

  • Retur rata-rata per tahun sejak peluncuran: 14%.
  • Meskipun tidak setinggi kakaknya yang non-syariah, namun tetap mengalahkan saudara-saudara ekuitasnya yang lain.
  • Hanya berhasil mengalahkan benchmark di jangka pendek, untuk jangka panjang kalah.

Campuran: Manulife Dana Berimbang

  • Retur rata-rata sejak peluncuran 10% per tahun.
  • Retur ini sebenarnya kurang menarik karena hanya kalah tipis dengan unit link pendapatan tetap negara (lihat dibawah).
  • Terdapat komponen obligasi korporasi, obligasi negara, dan saham perbankan.

Pendapatan Tetap: Manulife Pendapatan Tetap Negara

  • Retur rata-rata sejak peluncuran 11% per tahun.
  • Konsisten mengalahkan benchmark dengan imitasi yang bagus juga.
  • Dominan ditaruh dalam obligasi negara sehingga saat aman returnya.

Alternatif: Manulife Pendapatan Tetap Korporasi

  • Unit link ini mengganti sebagian besar komponen obligasi negara menjadi obligasi korporasi.
  • Konsisten mengalahkan benchmark dalam jangka pendek maupun panjang.
  • Retur rata-rata sejak peluncuran 10% per tahun, beda tipis dengan pendapatan tetap negara.

Rekomendasi Saya

  • 60% Manulife Dana Ekuitas, 20% Manulife Pendapatan Tetap Negara, dan 20% Manulife Dana Berimbang.
Commonwealth Life
Commonwealth Life

Berkebalikan dengan Manulife, saya kesulitan merekomendasikan unit link Commonwealth karena hampir semuanya memiliki performa yang buruk!

Ekuitas: Investra Equity Fund

  • Komposisi disebar ke berbagai macam reksadana saham kelolaan Indoequity.
  • Retur rata-rata sejak peluncuran 31% per tahun.
  • Konsisten mengalahkan benchmark di jangka pendek, namun kalah di jangka panjang.

Alternatif: Commlink Aggressive Fund

  • Retur rata-rata sejak peluncuran 9,72% per tahun (perhitungan ini adalah perhitungan real yang disediakan Commonwealth, bukan menggunakan rumus saya).
  • Dana unit link ini disebar dua antara reksadana saham Ashmore dan reksadana saham Indoequity sehingga kinerjanya sangat bergantung pada dua kinerja reksdana tersebut.
  • Saya tidak bisa mengukur benchmark karena tidak disediakan datanya.

Pendapatan Tetap: Commlink Conservative Fund

  • Retur rata-rata sejak peluncuran hanya 5,53% per tahun, namun lebih baik daripada unit link pendapatan tetap lainnya dari Commonwealth (perhitungan ini adalah perhitungan real yang disediakan Commonwealth, bukan menggunakan rumus saya).
  • Unit link ini 98% menginvestasikan pada reksadana kelolaan Ashmore sehingga performanya tergantung pada kinerja Ashmore sebagai manajer investasi.
  • Saya tidak bisa mengukur benchmark karena tidak disediakan datanya.

Campuran: Investra Balanced Progressive Fund

  • Retur rata-rata sejak peluncuran 20% per tahun.
  • Komposisi disebar ke berbagai reksadana kelolaan Ashmore, Schroder, dan Indoequity.
  • Konsisten mengalahkan benchmark di jangka pendek, namun kalah di jangka panjang.

Rekomendasi Saya

Investra Balanced Progressive Fund 40%, Investra Equity Fund 40%, Commlink Conservative Fund 20%.

Sinarmas MSIG Life
Sinarmas MSIG Life

Dalam proses review, saya kesulitan menilai unit link Sinarmas karena banyak sekali jenisnya. Kebanyakan unit link Sinarmas memiliki dana kelolaan sangat kecil sekali sehingga hal tersebut turut saya pertimbangkan dalam memberikan rekomendasi.

Pendapatan Tetap: DPLK EKA HASIL PASTI

  • Mengalahkan benchmark di jangka pendek maupun panjang.
  • Nilai pertumbuhan sejak penerbitan 10,12% (hitungan asli menggunakan metode CAGR).
  • Volatilitas cukup tinggi untuk kelas pendapatan tetap.

Alternatif: SIMAS STABILE SYARIAH

  • Nilai pertumbuhan sejak penerbitan 7,19% (hitungan asli menggunakan metode CAGR).
  • Umur unit tergolong muda – sejauh ini mengalahkan benchmark.
  • Volatilitas sangat rendah.

Campuran: DPLK EKA DINAMIKA

  • Mengalahkan benchmark di jangka pendek maupun panjang.
  • Nilai pertumbuhan sejak penerbitan 8,04% (hitungan asli menggunakan metode CAGR).
  • Volatilitas sangat rendah.

Alternatif: EXCELLINK DYNAMIC FUND

  • Nilai pertumbuhan sejak penerbitan 16,94% (hitungan asli menggunakan metode CAGR).
  • Mengalahkan benchmark di jangka pendek meskipun kalah di jangka panjang.
  • Pertumbuhan unit cukup stabil dalam setahun terakhir.

Ekuitas: EXCELLINK AGGRESSIVE FUND

  • Nilai pertumbuhan sejak penerbitan 17,22% (hitungan asli menggunakan metode CAGR).
  • Kinerja mengikuti benchmark di jangka pendek namun kalah di jangka panjang.
  • Volatilitas cenderung rendah untuk kelas ekuitas.

Alternatif: EXCELLINK EQUITY BAKTI PEDULI FUND

  • Nilai pertumbuhan sejak penerbitan 9,54% (hitungan asli menggunakan metode CAGR).
  • Konsisten mengikuti gerakan benchmark meskipun kalah di jangka pendek maupun panjang.
  • Dalam satu tahun terakhir volatilitas sangat rendah.
Prudential
Prudential

Kebanyakan unit link Prudential yang lama memiliki volatilitas cukup tinggi dan trend sideways.

Campuran: PRULink Rupiah Managed Fund (RMF)

  • Nilai pertumbuhan sejak penerbitan 11,82% (hitungan asli menggunakan metode CAGR).
  • Mengalahkan benchmark di jangka pendek meskipun kalah tipis dalam jangka panjang.
  • Volatilitas ada namun tidak parah.

Alternatif: PRULink Rupiah Managed Fund Plus (RMP)

  • Nilai pertumbuhan sejak penerbitan 11,05% (hitungan asli menggunakan metode CAGR).
  • Mengalahkan benchmark di jangka pendek namun kalah dalam jangka panjang.
  • Volatilitas ada namun tidak parah.

Pendapatan Tetap: PRULink Rupiah Fixed Income Fund (RFF)

  • Nilai pertumbuhan sejak penerbitan 9,63% (hitungan asli menggunakan metode CAGR).
  • Selalu mengalahkan benchmark dalam jangka pendek maupun panjang.
  • Volatilitas cenderung minim.

Alternatif: PRULink Syariah Rupiah Cash & Bond Fund (SCBF)

  • Nilai pertumbuhan sejak penerbitan 6,02% (hitungan asli menggunakan metode CAGR).
  • Volatilitas paling minim diantara semua unit link Prudential yang saya rekomendasikan.
  • Menang tipis dari benchmark di jangka pendek dan kalah tipis di jangka panjang.

Ekuitas: PRULink Rupiah Indonesia Greater China Equity Fund (RGCF)

  • Konsisten mengalahkan benchmark di jangka pendek.
  • Nilai pertumbuhan sejak penerbitan 6,54% (hitungan asli menggunakan metode CAGR).
  • Volatilitas cukup tinggi, namun tren konsisten dalam kondisi uptrend (naik terus).
Panin Life
Panin Life

Unit link yang ditawarkan Panin sangat sedikit, jadi tidak banyak yang bisa dibandingkan. Fund fact sheet mereka tidak menginformasikan indeks acuan serta CAGR diatas 1 tahun, jadi rekomendasi dibawah hanya melihat dari data since inception. Semua laporan mereka digabung.

Campuran: PANIN Rp MANAGED FUND

  • Campuran saham blue chips dan obligasi negara menghasilkan retur 428.44% sejak tahun 2000, jadi apabila diratakan sederhana 21% per tahun (bukan menggunakan metode CAGR)

Ekuitas: PANIN Rp EQUITY FUND

  • Diversifikasi saham big caps menghasilkan retur 877.13% sejak tahun 2000, kalau diratakan sederhana bisa mencapai 43% per tahun (bukan menggunakan metode CAGR)

Fixed Income: Tidak ada

  • Performa PANIN Rp FIXED INCOME FUND kelihatan kurang memuaskan, jadi sebaiknya kalau memang mau risiko rendah, ambil PANIN Rp CASH FUND. Meskipun untuk asuransi lain saya tidak menyarankan untuk mengambil unitlink/reksadana pasar uang.

Penutup

Meskipun unit link saham terbukti memang memiliki performa rata-rata terbaik dibandingkan jenis unit link lainnya, dalam jangka pendek unit link saham sangat fluktuatif sehingga bisa mengakibatkan tergerusnya nilai unit link anda, lalu bisa berakhir pada tidak tersedianya dana di polis anda untuk membayar biaya asuransi (kecuali anda melakukan top-up tunggal).

Oleh karena itu, sebagus apapun performa unit link saham, saya tetap merekomendasikan anda menyebar sebagian dana polis anda ke unit link pendapatan tetap dan campuran agar mendapat retur maksimal.

Oh iya, saya juga menerima konsultasi tentang polis asuransi anda, dan saya tidak terkait dengan penyedia asuransi manapun sehingga akan sangat objektif dalam menjelek-jelekkan polis anda, siapapun penyedianya. Silakan hubungi saya.

Adrian Siaril
Adrian Siaril

The boss

Articles: 599

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  1. pak kalau yg konsisten setiap tahunnya naik 10% selama 5 tahun terakhir belum ada ya ?

    contohnya
    kinerja 2014 = 10% keatas
    kinerja 2015 = 10% keatas
    kinerja 2016 = 10% keatas
    kinerja 2017 = 10% keatas
    kinerja 2018 = 10% keatas

    jadi selama 5 tahun terakhir naik 61% keatas
    tapi disertai catatan setiap tahunnya juga minimal naik 10%

    belum ada kayaknya ya pak ?
    terima kasih sebelumnya

    • Belum ketemu sih pak yang seperti itu, rata rata di 2014 itu anjlok semua karena sesuatu yang saya belum temui penyebabnya. Saya belum sempet tinjau Prudential dan Sinarmas sih, kalau ada disitu akan saya kabari ya.

    • Saya barusan cek untuk BNI HY END PRO itu, kekurangannya adalah biaya alokasi premi cukup besar. Misalnya anda investasi 10 juta sekaligus, maka 7.5% langsung dipotong sebagai biaya (jadi yang masuk investasi dan premi hanya 9.250.000). Demikian juga topup dipotong 3% (mereka menggunakan istilah variabel untuk menggantikan istilah topup). Kalau kak Alza tertarik model yang seperti itu, saran saya coba lirik dan pelajari SIMAS INVESTA LINK, MANULIFE MIWEALTH, atau AIA PROVISA SIGNATURE ASSURANCE. Ketiganya memiliki skema mirip namun dengan biaya yang lebih rendah.

  2. bisa ulas lebih lanjut untuk unit link prudential? recommend apa untuk unitlink tersebut?
    menurut pak adrian, asuransi apa yang paling bagus kinerjanya?
    terima kasih

    • Prudential ada di artikel tersebut kak, di bagian bawah. Ada 3 yang ‘lumayan’ dengan 3 alternatif lainnya.
      untuk kinerja yang kaka tanyakan, maksudnya kualitas perlindungannya, atau performa investasinya? Karena ini dua aspek yang harus dibahas terpisah.

  3. Secara performa investasi. Saya sedang membandingkan asuransi untuk keluarga saya, lagi cari proteksi kesehatan perlindungan full cover (sesuai tagihan), tetapi yang di tawarkan beberapa asuransi adalah asuransi dengan unitlink. Secara proteksi saya kira hampir mirip. tetapi bila dilihat secara performa investasi, apa ada saran? karena saya tidak begitu paham dengan unitlink. Thanks

    • Kalau memang mau perlindungan kesehatan TANPA unit link, ada di Manulife. Kalau mau perlindungan kesehatan dengan unit link yang lumayan oke investasinya, ada di AXA Mandiri

  4. saya kebingungan untuk panin dai-ichi life, pembagian seperti apa yang lebih baik untuk nasabah. bisa tolong dibahas?

    • AIA IDR equity fund menurut saya cukup ok. Performa nya tidak meleset jauh dari Benchmark, komposisinya saham saham besar semua. Hanya saja tidak saya rekomendasikan karena tidak ada keunggulan khusus yang ditawarkan di aia equity fund, karena mirip dengan Reksadana indeks lainnya. Lebih baik diversifikasi ke AIA China India Indonesia equity fund karena jenis saham multi negara ini masih jarang

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