{"id":4778,"date":"2024-08-01T12:00:51","date_gmt":"2024-08-01T05:00:51","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=4778"},"modified":"2026-08-20T13:14:17","modified_gmt":"2026-08-20T06:14:17","slug":"mengenal-reksadana-terstruktur","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/investasi\/mengenal-reksadana-terstruktur\/","title":{"rendered":"Mengenal Reksadana Terstruktur dan Jenisnya"},"content":{"rendered":"

<\/p>\n

Reksadana terstruktur adalah jenis reksa dana yang dibuat dengan struktur khusus dan berbeda dengan reksadana konvensional, sehingga dalam dunia perbankan dikenal sebagai structured fund. Instrumen investasi ini terdiri dari dua jenis utama, yaitu Reksadana Terproteksi yang memproteksi nilai investasi awal melalui mekanisme buy and hold obligasi hingga jatuh tempo, serta Reksadana dengan Penjaminan yang memberikan jaminan atas nilai pokok investasi melalui perusahaan asuransi sebagai guarantor.<\/p>\n

Reksadana Terstruktur merupakan salah satu instrumen yang menawarkan keuntungan investasi menarik bagi pemegangnya. Yuk, simak ulasannya dalam artikel ini.<\/span><\/p>\n

<\/p>\n

Ketika kamu berminat untuk berinvestasi di pasar modal, maka ada banyak instrumen yang bisa digunakan, seperti saham, obligasi, deposito dan reksa dana.<\/span><\/p>\n

\n

Hmm, kamu sudah punya yang mana nih? Pastikan kamu tidak menaruhnya dalam satu keranjang investasi yang sama.\u00a0<\/span><\/p>\n

\n

Bila melihat jenis portofolio investasinya, terdapat 4 jenis reksadana yang perlu diketahui oleh investor.\u00a0<\/span><\/p>\n

\n

Antara lain, Reksa Dana Pasar Uang<\/a> (RDPU), Reksa Dana Pendapatan Tetap (RDPT), Reksa Dana Campuran, dan Reksa Dana Saham.<\/span><\/p>\n

\n

Semuanya telah dibahas tuntas beberapa waktu lalu, kamu bisa membacanya untuk mengetahui keuntungan dan perbedaan.\u00a0<\/span><\/p>\n

\n

Selain keempat jenis tersebut, adapun reksadana terstruktur. Wah, apa lagi ya? Bisa jadi banyak yang belum tahu.<\/span><\/p>\n

\n

Dalam artikel ini, <\/span>blog SkorLife<\/span><\/a> akan mengulasnya lebih lanjut dengan merangkum dari berbagai sumber, salah satunya laman berita <\/span>online<\/span><\/i> Kompas.com.<\/span><\/p>\n

Apa Itu Reksa Dana Terstruktur?<\/b><\/h2>\n

\n

Berdasarkan Undang-undang no.8 Tahun 1995 tentang Pasar Modal, secara umum reksadana adalah wadah yang dipergunakan untuk menghimpun dana dari masyarakat pemodal untuk selanjutnya diinvestasikan dalam portofolio Efek oleh manajer investasi.<\/span><\/p>\n

\"Mengenal<\/figure>\n

\n

Sedangkan reksadana terstruktur adalah jenis reksa dana yang berbeda dengan reksadana konvensional lantaran dibuat dengan struktur khusus.<\/span><\/p>\n

\n

Oleh karena itu, dalam dunia perbankan jenis reksadana ini kerap dikenal dengan istilah <\/span>structured fund<\/span><\/i>.<\/span><\/p>\n

\n

Lantas, apa saja jenis reksadana terstruktur? Melansir dari laman Kompas.com, berikut ini penjelasannya.<\/span><\/p>\n

\"reksadana
Foto: Bankmega.com<\/figcaption><\/figure>\n

Jenis-jenis Reksa Dana Terstruktur<\/b><\/h2>\n

1. Reksadana Terproteksi <\/b>(Capital Protected Fund)<\/i><\/b><\/h3>\n

\n

Reksa Dana Terproteksi adalah jenis instrumen investasi yang berusaha memproteksi nilai investasi awal investornya.<\/span><\/p>\n

\n

Adapun mekanisme proteksi reksadana ini dilakukan dengan membeli instrumen surat hutang (obligasi) dan memegangnya hingga jatuh tempo (<\/span>buy and hold<\/span><\/i>).<\/span><\/p>\n

\n

Peran Manajer Investasi hanya mengusahakan hal tersebut melalui suatu pengelolaan yang bersifat pasif.<\/span><\/p>\n

\n

Capital Protected Fund <\/span><\/i>memiliki kesamaan dengan Reksa Dana Pendapatan Tetap<\/a> (RDPT) yang memiliki kebijakan investasi minimum 80% pada surat utang atau obligasi.<\/span><\/p>\n

\n

Salah satu perbedaan antara Reksadana Terstruktur dengan Reksa Dana Pendapatan Tetap terletak pada peran Manajer Investasinya.\u00a0\u00a0<\/span><\/p>\n

\n

Manajer Investasi pada Reksa Dana Pendapatan Tetap akan melakukan proses penawaran obligasi secara aktif.\u00a0<\/span><\/p>\n

\n

Dengan demikian, ada potensi mendapatkan keuntungan kupon dan dari selisih harga jual beli.<\/span><\/p>\n

2. Reksadana dengan Penjaminan<\/b> (Capital Guaranteed Fund)<\/i><\/b><\/h3>\n

\n

Reksadana dengan Penjaminan merupakan jenis reksa dana yang memberikan jaminan atas nilai pokok investasi awal investor bila penerbit obligasi gagal bayar.<\/span><\/p>\n

\n

Mekanisme jaminan tersebut diberikan dengan cara melakukan perjanjian melalui peran <\/span>guarantor<\/span><\/i> yang umumnya perusahaan asuransi.<\/span><\/p>\n

\n

Perusahaan asuransi itu akan membayarkan bunga dan pokok obligasi apabila perusahaan penerbit gagal bayar.<\/span><\/p>\n

\n

Namun, keberadaan asuransi ini berdampak pada hasil investasi akan berkurang dan menjadi kekurangan reksadana dengan penjamin.<\/span><\/p>\n

\n

3. Reksadana Indeks <\/b>(Index Fund)<\/i><\/b><\/h3>\n

\n

Reksa Dana Indeks adalah jenis reksadana yang struktur portofolionya mengacu ke jenis indeks tertentu yang menjadi acuannya.<\/span><\/p>\n

\n

Misalnya saja, indeks saham, seperti IHSG (Indeks Harga Saham Gabungan<\/a>), LQ-45 ataupun indeks obligasi.<\/span><\/p>\n

\n

Mekanisme pengelolaan yang dilakukan Manajer Investasi reksadana adalah menyamakan hasil investasi dengan indeks pasar yang menjadi acuan.<\/span><\/p>\n

\n

Dengan demikian, manajer investasi melihat berapa besar komposisi saham atau obligasi yang masuk dalam suatu indeks kemudian menirunya dalam pengelolaan reksa dana.<\/span><\/p>\n

\n

Tentunya hal ini berbeda dengan Manajer Investasi pada reksa dana konvensional yang hanya bertujuan mengalahkan indeks acuan.<\/span><\/p>\n

\n

Adapun keuntungan reksadana indeks yakni biaya Manajer Investasi relatif sangat kecil apabila dibandingkan reksadana konvensional.<\/span><\/p>\n

\n

Nah, demikianlah pengertian apa itu Reksadana Terstruktur dan beberapa jenisnya yang wajib diketahui para investor.<\/span><\/p>\n

Sebelumnya, ada pembahasan mengenai Reksadana Terproteksi<\/a>. Wah, ternyata banyak sekali pilihan instrumen investasi ya.\u00a0<\/span><\/p>\n

Jangan lupa untuk selalu mengikuti berita terbaru mengenai pasar modal hingga rekomendasi otomotif, hanya di <\/span>blog SkorLife<\/span><\/a>.<\/span><\/p>\n

Kalau kamu yang ingin memiliki rumah baru\u00a0 dengan skema cicilan ke bank, yuk cek dulu skor kreditnya di <\/span>aplikasi SkorLife <\/span><\/a>yang tersedia di <\/span>smartphone<\/span><\/i>.<\/span><\/p>\n

Ingin memiliki kartu kredit yang menghadirkan banyak kelebihan setelah bertransaksi? Ajukan aplikasi untuk mendapatkan <\/span>Mayapada Skorcard<\/span><\/a>.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Reksadana terstruktur adalah jenis reksa dana yang dibuat dengan struktur khusus dan berbeda dengan reksadana konvensional, sehingga dalam dunia perbankan<\/p>\n","protected":false},"author":15,"featured_media":4781,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[19],"tags":[58,113],"class_list":["post-4778","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investasi","tag-investasi","tag-reksadana"],"acf":[],"yoast_head":"\nMengenal Reksadana Terstruktur dan Jenisnya<\/title>\n<meta name=\"description\" content=\"Reksadana Terstruktur merupakan salah 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