Review Reksadana Manulife Saham Andalan

Di tulisan kali ini Adrian Siaril akan mengulas produk Reksadana Manulife Saham Andalan dari manajer investasi Manulife Aset Manajemen Indonesia (MAMI). Di sini kita akan melihat klasifikasi, komposisi, strategi pengelolaan, kinerja, serta kelebihan dan kekurangan reksadana tersebut.

Ketersediaan

Produk reksadana Manulife Saham Andalan ini bisa dibeli di beberapa APERD, antara lain:

  • BMoney (download disini dengan kode referral REF-KRJI0) atau baca reviewnya disini
  • Bibit (download disini dengan kode referral ucleiaf, atau baca reviewnya disini)
  • BukaReksa (download disini dengan kode referral BAMBANGRAHARJA13YJ)
  • Fundtastic (download disini dengan kode referral FUN10287)
  • Tanam Duit (download disini dengan kode referral ADRIA00INH7)

Serta banyak sekuritas dan bank lainnya. Pastikan untuk membeli reksadana ini lewat pihak yang tidak mengenakan biaya pembelian maupun penjualan, seperti APERD yang saya referensikan diatas.

Klasifikasi

Produk Reksadana Manulife Saham Andalan merupakan kategori reksadana saham, yang berarti memiliki kebijakan investasi sebagai berikut:

Saham: minimal 80% pada saham yang terdaftar di BEI (bursa efek Indonesia), sedangkan sisa 20% nya boleh pada instrument lain.

Sesuai dengan klasifikasi profil risiko produk keuangan Indonesia, jenis reksadana ini memiliki tingkat risiko tinggi dengan jangka waktu investasi di atas 5 tahun.

Komposisi dan Strategi Pengelolaan

Berdasarkan prospektus dan fund fact sheet yang ditinjau saat tulisan ini ditulis pada tanggal 21 Oktober 2022, maka Reksadana Manulife Saham Andalan ini menggunakan strategi pengelolaan aktif, yang berarti; 

Manajer investasi akan secara sering melakukan transaksi pembelian dan penjualan terhadap aset yang terdapat dalam reksadana ini, guna mencapai return investasi setinggi mungkin untuk mengalahkan index acuan.Adapun index acuan yang digunakan dalam reksadana ini adalah Indeks IDX80.

Akibatnya, performa reksadana ini mampu mengalahkan index acuan apabila strategi manajer investasinya benar, atau bisa malah kalah bila manajer investasinya salah strategi. Selain itu, pengelolaan aktif membutuhkan banyak kegiatan analisa, sehingga biaya pengelolaan yang dikenakan ke kita sebagai investor pun cenderung lebih tinggi.

Reksadana ini mengenakan biaya pengelolaan 2.50% per tahun, yang jumlahnya menurut saya cukup wajar karena reksadana lain yang sejenis mengenakan biaya rata-rata sebesar 2.50% per tahun.

Pada September 2022, top 10 holdings reksadana ini adalah sebagai berikut:

  • Adaro Energy Indonesia Tbk 
  • PT Bank Central Asia Tbk 
  • PT Bank Mandiri Persero Tbk 
  • PT Bank Pan Indonesia Tbk 
  • PT Bank Rakyat Indonesia Persero
  •  GoTo Gojek Tokopedia Tbk
  •  PT M Cash Integrasi 
  • PT Merdeka Copper Gold Tbk 
  • PT Panin Financial Tbk 
  • PT Telkom Indonesia Persero Tbk

Karena reksadana ini menggunakan indeks acuan IDX80 yang memang menggabungkan saham mid caps, maka wajar saja anda melihat beberapa saham second liner dalam top holdingsnya.

Komposisi dan strategi pengelolaan reksadana yang sifatnya aktif seperti ini bisa saja sudah berubah daripada yang tertulis di sini. Anda bisa mengunduh fund fact sheet dan prospektus terbaru di sini

Manulife Saham Andalan | Manulife Investment Management (reksadana-manulife.com)

Kinerja

Reksadana ini kinerjanya cukup sering memiliki deviasi jauh daripada tolak ukurnya, terkadang menang terkadang juga kalah. Saya justru lebih suka reksadana yang penuh usaha untuk mengalahkan market seperti ini, dibandingkan Manulife Dana Saham yang meskipun menggunakan pengelolaan aktif namun malah terlalu identikal dengan performa indeks acuannya.

Kelebihan 

Reksadana pengelolaan aktif sudah sejatinya harus mencoba mengalahkan market sebaik mungkin, dan hal ini tercermin dari kinerja reksadana ini yang seringkali kabur jauh dari index acuannya. Mungkin bagi beberapa orang hal ini merupakan kekurangan, tapi buat saya justru ini menunjukkan bahwa manajer investasi nya tidak gabut. Menggunakan index acuan IDX80 berarti reksadana ini tidak takut untuk menggabungkan saham small caps dan mid caps ke komposisi mereka. 

Kekurangan

Pada periode November 2015 sampai Maret 2021, performa reksadana ini selalu kalah daripada index acuannya. Hasil positif yang dicapai oleh reksadana ini dalam 5 tahun terakhir semata-mata karena index acuannya, IDX80 memiliki performa yang lebih baik daripada IDX30 dan LQ45 karena mengandung saham small caps yang notabene lebih subur saat periode pandemi. Namun apabila dibandingkan, maka performa index acuannya masih lebih baik daripada reksadana ini.

Rekomendasi

Saya cukup merekomendasikan reksadana ini. Meskipun retur di jangka pendeknya negatif, namun sangat kecil sekali. Sedangkan return 3 dan 5 tahunnya positif, padahal market saham Indonesia 5 tahun belakangan cenderung stagnan.

Reksadana ini cukup layak diapresiasi karena berani kabur cukup jauh dari komposisi indeks acuannya. Meskipun hal ini berakibat pada deviasi yang cukup jauh dari performa indeks acuan, tapi lebih sering deviasi nya positif dibandingkan negatif.

High risk, high return. Menimbang tidak banyaknya reksadana saham yang menggunakan IDX80 sebagai acuan, maka reksadana ini cocok untuk diversifikasi portfolio anda.

Adrian Siaril
Adrian Siaril

The boss

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  73. I participated on this casino website and earned a significant amount of cash. However, later on, my mother fell gravely sick, and I wanted to withdraw some funds from my account. Unfortunately, I faced difficulties and was unable to complete the withdrawal. Tragically, my mother passed away due to this gambling platform. I urgently request your assistance in bringing attention to this situation with the site. Please aid me to obtain justice, to ensure others won’t face the hardship I’m facing today, and avert them from experiencing similar tragedy. 😭😭