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(TM) Registered ® 2022-2025 Kaya Handsfree Investing. PT Kaya Lautan Permata (Kaya) is a licensed Agen Penjual Efek Reksa Dana (APERD) under the supervision of the Otoritas Jasa Keuangan (OJK). Please note that all investments carry risk. Past performance is not indicative of future results. Investment simulations are provided for informational and illustrative purposes only. Mutual funds are products managed by Investment Managers (MI) and not the products of the Agen Penjual Efek Reksa Dana (APERD). Kaya is not responsible for the portfolio management conducted by the MI.