Comparison of Mutual Funds (PMMF Illustrated)

On June 1, 2013 an investor have amount of funds Rp. 100.000.000. That investor have Risk Conservative Profile (Low Risk). Which of the following investment instruments that match the risk profile of the customer and provide optimal return within a year?

  1. Saving
  2. Deposit
  3. Mutual Funds PMMF

Let us count each return potential results of each of these investment tools:

Investment Savings Deposit Phillip Money Market Fund
Return 1% Gross / p.a or 0.8% Nett (net of tax) 6% Gross / p.a or 4.8% Nett (net of tax 20%) 5.97% Nett / p.a (April 2014)
Administration charges / month Rp. 10.000
Rp. 120.000/p.a
0 0
Ending Balanced Rp. 100.000 0 0
Year end balance (after 1 year) (Rp. 100 jt x 0.8%) – Rp. 120.000 – Rp.100.000 = Rp. 580.000 Nett Rp.100jt x 4.8% = Rp. 4.800.000 (if withdrawal at the maturity) Rp.100jt X 5.97% = Rp. 5.700.000 Nett (can be withdraw any time)