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DPLK AJB Bumiputera 1912

DPLK AJB BUMIPUTERA 1912

Protecting your future.


DPLK AJB Bumiputera 1912 is the right partner with the right solutions to help the community to "Realize a more comfortable future."

A more comfortable future can only be achieved if there is a well-managed pension fund arranged to support them when they reach retirement age and no longer work.

DPLK AJB Bumiputera 1912 takes part in nation building and the improvement of public welfare through the provision of its Finance Institution Pension Fund, always providing a profitable investment outlet choice for its participants.

It was established as a business development of AJB Bumiputera 1912, ratified by the Minister of Finance of the Republic of Indonesia by his Decree. Number: PEM 93/KM.10/2007 May 2, 2007.

Membership
Conditions:

  • Having income
  • At age of at least 18 years old or already married

Members' Rights:

  • To determine the normal pension age
  • To gain the pension benefit
  • To choose and change the investment options
  • To withdraw certain sum of funds
  • To assign the membership to another Pension Fund
  • To select the form of annuity and life insurance companies in case of payment of pension benefits

 

Member's Obligations:

  • To pay premium
  • To pay management cost
  • To provide a complete and correct information
  • To complying with the provisions of DPLK AJB Bumiputera 1912

Investment Packages:

  • Money Market Package: 50% Money Market & 50% Debt Acknowledgment
  • Fixed Income Package: 80% Fixed Income Stock and 20% Money Market
  • Stock Package: 80% equity stock and 20% fixed income stock
  • Syariah Package:

- 100% Syariah Time Deposit or
- 100% Syariah Mutual Funds or
- 100% Syariah Bonds

  •  US$ Package

- 100% Money Market or
- 100% debt securities guaranteed by government

Estimated Investment Return & Risk

  • Money Market Package

- Investment Return: 8% - 10% per annum
- Investment Risk: Low

  • Fixed Income Package

- Investment Return: 11% -15% per annum
- Investment Risk: Medium

  • Stock Package

- Investment Return: 16% -18% per year
- Investment Risk: High

  • Syariah Package

- Investment Results: 8-10% per year
- Risk: Medium

  • US$ Package

- Return: 3-5% per annum
- Risk: Low

PROPENTAS
(Program Pensiun Tabungan Sejahtera ) - Prosperous Pension Savings Program

Propentas is a key program of DPLK AJB Bumiputera 1912 that provides certainty in designing a more secure future as it delivers a high investment return of 11% -12% per annum (for Fixed Income investment package option).

Benefits Expansion Option *):
For members desiring protection benefits, we provide the protection with conditions:

  1. The member pays premium by 10% of the contribution, and
  2. No delay in the contribution payment

The member will gain extra benefits:

  1. On time (Ekawaktu) life insurance, namely benefit of 100 times the monthly contribution of DPLK - if the member passes away normally (max Rp. 100 million) or,
  2. Accident insurance, namely benefit of 300 times the monthly contribution of the Pension Fund if the member passes away due to accident (max Rp. 300 million).

 

 

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