In Kaya, we offer 4 (four) types of mutual funds that customers can choose from:

1. Money Market Mutual Fund: This type of mutual fund allocates 100% of the customer's investment to money market instruments, such as short-term bonds (less than 1 year), deposits, and Bank Indonesia Certificates (SBI). Since the investment is short-term, this mutual fund is considered the safest among others, with low investment risk for the customer, but it also offers the lowest returns.

2. Fixed Income Mutual Fund: This type of mutual fund allocates most (at least 80%) of the customer's investment to bonds (debt securities). Investments in bond mutual funds are long-term. The bonds are purchased by the investment manager, and interest (coupon) is paid periodically. As the investment manager receives this interest, the mutual fund's price (NAV) increases, providing returns to the investor.

3. Equity Mutual Fund: This type of mutual fund allocates most (at least 80%) of the customer's investment to stocks. With an allocation structure that places the majority of the customer's investment in stocks, this mutual fund carries relatively higher risk compared to other types of mutual funds.

4. Balanced Mutual Fund: This type of mutual fund allocates the customer's investment across various securities, including stocks, bonds (debt securities), and money market instruments.