Mengenal Manajemen Investasi ( Wealth Management ) dan Tren 2014 di Indonesia

Apa itu Wealth Management ?

“Wealth management as an investment-advisory discipline incorporates financial planning, investment portfolio management and a number of aggregated financial services”. (Wikipedia)

Manajemen investasi adalah manajemen profesional yang mengelola beragam sekuritas atau surat berharga seperti saham, obligasi dan aset lainnya seperti properti dengan tujuan untuk mencapai target investasi yang menguntungkan bagi investor.

Investor tersebut dapat berupa institusi ( perusahaan asuransi, dana pensiun, perusahaan dll) ataupun dapat juga merupakan investor perorangan, dimana sarana yang digunakan biasanya berupa kontrak investasi atau yang umumnya digunakan adalah berupa kontrak investasi kolektif (KIK) seperti reksadana.

Instrumen investasi ?

Berbagai jenis instrumen investasi yaitu deposito, obligasi, saham, bisnis, properti, logam mulia, barang koleksi, bursa berjangka, mata uang asing, dan reksadana.

Dana kelolaan wealth management sampai semester I / 2014 di Indonesia?

  • Dana kelolaan wealth management Bank Mandiri hingga kuartal I/2014 mencapai Rp117 triliun yang dihimpun dari sekitar 28.000 nasabah prioritas.
  • Dana kelolaan wealth management Bank OCBC NISP pada semester I/2014 mencapai lebih dari Rp25 triliun yang dihimpun dari 19.500 nasabah premier banking.

Fee based income dari program wealth management ?

  • Bank OCBC NISP pada semester I/2014 berkisar Rp50 miliar, ditargetkan di atas Rp200 miliar pada akhir tahun 2014.

Mengapa perlambatan bisnis wealth management pada semester I/2014?

  • Nasabah lebih suka menyimpan dana dalam bentuk deposito dibandingkan dana kelolaan karena kenaikan suku bunga deposito ( Menurut data Bank Indonesia suku bunga rata-rata desposito di bank umum bertenor 12 bulan mencapai 7,43% per tahun pada Maret 2014 dimana tahun 2013 5,86% per tahun).
  • Kesadaran investasi nasabah Indonesia yang masih menjadikan deposito sebagai instrumen penyimpanan dana favorit karena tren suku bunga yang masih tinggi.
  • Ada ketidakpastian pada iklim investasi pada paruh pertama 2014.

Mengapa dana kelolaan menunjukkan tren meningkat pada kuartal III/2014?

  • Jumlah orang kaya terus meningkat.
  • Karena orang-orang kaya di Indonesia mulai melek investasi.
  • Pilihan investasi semakin beragam, seperti saat ini Perseroan menawarkan lebih dari 100 produk reksadana.
  • Kejelasan kondisi politik setelah pemilu.

References / Read more:

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