Mutual Funds

What is meant by a SID number?

SID, or Single Investor Identification, is a single identification number for Indonesian capital market investors issued by KSEI (Kustodian Sentral Efek Indonesia/Indonesia Central Securities Depository).

What is the function of SID?

SID functions as a single identity and must be owned by an investor. With SID, all your transactions will always be recorded through the KSEI AKSes system from any APERD application you use.

Do I need to update the Jenius app to access the mutual fund investment feature in Jenius?

Yes, you need to update the Jenius app to the latest version via Google Play Store or App Store to access the mutual fund investment feature in Jenius.

Is the SID number the same for all mutual fund purchase platforms that I have?

Correct. The SID number is the same for all mutual fund purchase platforms, because SID is a single identification number for Indonesian capital market investors.

Where can I see the SID number?

The SID number will be sent via email by Jenius after the investment account opening process is successful. You can also find it through the KSEI AKSes website.

What is meant by KSEI AKSes?

AKSes is a facility provided by KSEI (Kustodian Sentral Efek Indonesia/Indonesia Central Securities Depository) so that investors like you can directly monitor your investment portfolio in the Indonesian capital market. Through the AKSes facility, you can view mutual fund ownership reports (account statements) from the Custodian Bank (BK).

How do I get a KSEI AKSes account?

You can open the KSEI AKSes page at www.akses.ksei.co.id and select the Guide menu for more information.

What is meant by risk profile?

Risk profile is your level of tolerance as an investor towards investment risk. The risk profile quiz is a mandatory quiz you must complete so you can better understand the mutual fund composition that matches your risk tolerance.

Complete information about risk profile can be accessed through the following page:

Indonesian:
http://jenius.com/app/investasi/reksadana

English:
http://jenius.com/en/app/investasi/reksadana

What are the types of risk profiles?

There are 5 risk profiles in Jenius: conservative, moderate conservative, moderate, moderate aggressive, and aggressive.

Complete information about risk profiles can be accessed through the following page:

Indonesian:
http://jenius.com/app/investasi/reksadana

English:
http://jenius.com/en/app/investasi/reksadana

Can I buy products that don’t match my risk profile?

Yes, but you need to inform Jenius that you understand and comprehend that the product purchase you make may differ from your risk profile, and you have understood all risks related to such activity.

Complete information about risk profiles can be accessed through the following page:

Indonesian:
http://jenius.com/app/investasi/reksadana

English:
http://jenius.com/en/app/investasi/reksadana

Can I change my risk profile?

Yes, you can retake the risk profile quiz in the Jenius app to change your risk profile.

How long is my risk profile valid?

Your risk profile is valid for 1 year.

You can see the risk profile expiration date in the Jenius app in the Wealth page, to the Investment menu, and tap Your profile risk.

What happens if my risk profile expires?

If your risk profile has expired, you cannot make purchase transactions. You can retake the quiz to update your risk profile.

If I fill out the risk profile form at an SMBC Indonesia Branch, will my risk profile in Jenius be automatically updated?

Yes. Your risk profile in the Jenius app will be updated with the risk profile results you complete at an SMBC Indonesia Branch.

What is meant by product category?

Product category is the division of mutual funds based on their composition.

Money market contains mutual funds that place their managed funds in money market instruments. They have the lowest price fluctuation.

Short-term bonds contain fixed income mutual funds and mixed mutual funds that mostly choose short-term bonds in their investment management. Their price fluctuation is not too high.

Long-term bonds contain fixed income mutual funds that have long-term bonds as their main composition. These mutual funds have quite high price fluctuation.

Equity contains mutual funds that have at least 80% stock assets in their investment composition. They have the highest price fluctuation among other mutual funds.

Complete information about product categories can be accessed through the following page:

Indonesian:
http://jenius.com/app/investasi/reksadana

English:
http://jenius.com/en/app/investasi/reksadana

What is meant by ideal portfolio allocation?

Ideal portfolio allocation is an allocation that has been adjusted to your risk profile.

Complete information about ideal portfolio allocation can be accessed through the following page:

Indonesian:
http://jenius.com/app/investasi/reksadana

English:
http://jenius.com/en/app/investasi/reksadana

Why can the ideal portfolio allocation percentage change?

This percentage can change depending on interest rates, inflation rates, Indonesia’s macroeconomic conditions, global financial conditions, industry conditions, and so on.

Complete information about ideal portfolio allocation can be accessed through the following page:

Indonesian:
http://jenius.com/app/investasi/reksadana

English:
http://jenius.com/en/app/investasi/reksadana

What is meant by Investment Manager?

An investment manager is a professional party that manages your investments through mutual fund products and must have obtained permission from OJK.

How does Jenius select Investment Managers?

Jenius through Bank SMBC Indonesia has a due diligence process (strict selection) to choose Investment Managers that are trusted and have good performance.

What Investment Managers are available in Jenius?

Investment Managers currently available in Jenius are Manulife Asset Management Indonesia, Schroders, Ashmore, BNP Paribas, Mandiri Investasi, Syailendra Capital, and BNI Asset Management.

The list of Investment Management in Jenius can change at any time following the due diligence process (strict selection) from Bank SMBC Indonesia. Check regularly for updates.

What mutual fund products are available in Jenius?

Information about mutual funds available in Jenius can be accessed through the Jenius app.

The way is to open the Jenius app, tap the Wealth page, select the Investment menu, select View products in the mutual funds section, then scroll to see mutual fund products based on its Fund Manager or category.

The list of mutual funds available in Jenius can change at any time following the due diligence process (strict selection) from Bank SMBC Indonesia. Check regularly for updates.

What is Auto Invest?

Additional option in mutual fund feature to do automated top up based on your preference.

What is the advantage of Auto Invest?

You have the freedom to choose the amount, frequency, starting date, and the terms to end the transactions.

What is the benefit of Auto Invest?

You can do mutual fund top up automatically and you have the freedom to choose the amount, starting time, and the frequency so you can achieve your financial goals faster.

Where I can access Auto Invest?

If Auto Invest is not active:

• From the purchase page: Go to Wealth page, choose Investment menu, then choose Browse products in Mutual Fund area. Select the product you want, tap Buy, and tap the Enable Auto Invest toggle from the purchase page.
• From portfolio: Go to Wealth page, choose Investment menu, then choose portfolio in Mutual Fund box. Then go to portfolio page, click the three dots button on the mutual fund product, then select Create Auto Invest.

If Auto Invest is active:

Go to Wealth page, choose Investment menu, then choose portfolio on mutual fund. Then select View Auto Invest detail on the portfolio page.

How to use Auto Invest?

From the purchase page:

• Open the Jenius app, select Wealth on the bottom navigation, then go to the Investment menu.
• Look at the Mutual Funds section, then select Browse products.
• Choose a product category or Investment Manager.
• Open the details of the product you want to buy, then tap Buy.
• Enter the amount of money to be withdrawn from Active Balance, then tap the Enable Auto Invest toggle.
• Select Auto Invest frequency.
• Select Auto Invest start date.
• Select how to end Auto Invest, then choose date or number of transactions.
• Review all information. If it’s correct, select Continue.
• Review all information again. If it’s correct, select Continue.
• Read and agree to the customer declaration, then select Confirm & Buy Mutual Fund.

From portfolio:

• Open the Jenius app, select Wealth on the bottom navigation, then go to the Investment menu.
• Look at the Mutual Funds section, then select portfolio.
• Tap the three dots on the right of the mutual fund product, then select Create Auto Invest.
• Enter the amount of money to be withdrawn from Active Balance.
• Select Auto Invest frequency.
• Select Auto Invest start date.
• Select how to end Auto Invest, then choose date or number of transactions.
• Review all information. If it’s correct, select Continue.
• Review all information again. If it’s correct, select Continue.
• Read and agree to the customer declaration, then select Confirm & Buy Mutual Fund.

How Auto Invest works?

Auto Invest will automatically deduct your Active Balance according to pre-determined amount, time, and period.

How much the frequency option for Auto Invest?

Currently there are 4 options:

• Once
• Daily
• Weekly
• Monthly

Does daily Auto Invest apply every day?

Daily Auto Invest will only apply on working days (Monday to Friday) and not applicable on holidays.

Can I schedule Auto Invest outside of working days?

If you choose Once or Monthly period, you are free to choose Auto Invest schedule date.

If your chosen date is on weekend, Jenius will debit on that date but the actual mutual fund purchase will follow the next bourse day.

How can I stop Auto Invest?

Currently there are 3 ways to stop Auto Invest:

• Date (ends on selected date)
• Frequency (ends after reach particular amount)
• Manually (ends after cancelled manually)

Does Auto Invest can be paused?

Yes. Auto Invest can be paused and resumed based on your preference.

How to paused Auto Invest?

• Go to mutual fund portfolio page
• Select View Auto Invest detail
• On the Auto Invest detail page, select Pause

What will happen if I pause my Auto Invest?

The automatic top up schedule will be paused until Auto Invest resumes.

Can Auto Invest paused automatically?

Yes. Auto Invest can automatically paused if you have insufficient Active Balance, expired risk profile, or Jenius is experiencing system problems.

What will happens if my Active Balance is insufficient during the Auto Invest schedule?

On every Auto Invest schedule, Jenius will deduct 3 times on 06.00, 09.00, and 12.00 WIB. If Jenius fail to deduct on the first and second time, there will be notification to ensure you have sufficient active balance. If still fail to deduct on the last time, Auto Invest will be paused automatically.

What will happens if my Active Balance is insufficient during the Auto Invest schedule?

Make sure you have sufficient Active Balance or renew your risk profile, then go to Auto Invest detail page, select Resume Now or Resume at The Next Period (if paused due to insufficient Active Balance) and select Next (if risk profile are expired).

How to resume my paused Auto Invest?

– Go to mutual fund portfolio page
– Select View Auto Invest detail
– On the Auto Invest detail page, select Next

Does Auto Invest can be stopped?

Yes. You can click Stop at the Auto Invest detail page.

How to stop Auto Invest?

– Go to mutual fund portfolio page
– Select View Auto Invest detail
– On the Auto Invest detail page, select Stop.

What will happen if I stop my Auto Invest?

All the scheduled Auto Invest will be cancelled.

Can I edit Auto Invest details?

Yes. You can change the amount, frequency, and the terms to end an ongoing Auto Invest.

How to change Auto Invest details?

– Go to mutual fund portfolio page.
– Select View Auto Invest detail.
– On the Auto Invest detail page, select Edit.
– Make your new changes, then finish process.

What will happen if I change my Auto Invest details?

All the arrangement (including the transaction fee) will change according to the new details.

Where can I track my Auto Invest schedule?

– Go to mutual fund portfolio page
– Select View Auto Invest detail
– Track the schedule On the Auto Invest detail page.

How can I track the transaction status for Auto Invest?

– Go to mutual fund portfolio page
– Select Transaction menu.
– Check the transaction history based on time order.

When Auto Invest is active, can I sell or top up my mutual fund?

Yes, you can sell or top up your mutual fund in full or partially even when Auto Invest is active.

Is there any additional fees to use Auto Invest?

There is no additional fee for Auto Invest. However, each mutual fund product may have different policy regarding transaction fee.

What is meant by Prospectus and Fund Fact Sheet?

A prospectus is a document that outlines the profile of a mutual fund, containing information such as the product’s launch date, the track record of the investment manager, investment portfolio details, and other important information.

Meanwhile, the Fund Fact Sheet is a monthly report published by the Investment Manager that provides information on the product’s performance, asset composition, and securities portfolio at the end of each month.

You can find more detailed definitions of each term in the investment glossary available in the Jenius app. Simply open the Jenius app, tap the Wealth page, select the Investment menu, choose the product you want to buy, then scroll down until you see the Glossary icon. Tap it to learn more about investment terms.

What is meant by Custodian Bank?

A Custodian Bank is a Commercial Bank that provides fund custody services for mutual fund assets.

This bank also offers other services such as receiving dividends, interest, and other entitlements; settling securities transactions; and representing account holders who are its clients.

The Custodian Bank must obtain approval from the OJK and enter into an agreement with the Investment Manager in the mutual fund industry as the authorized party to carry out Collective Custody.

You can find more detailed definitions of each term in the investment glossary available in the Jenius app. Simply open the Jenius app, tap on the Wealth page, select the Investment menu, choose the product you want to buy, then scroll down until you see the Glossary icon. Tap it to learn more about investment terms.

What is meant by product risk level?

A product’s Risk Level refers to the degree of price fluctuation of a mutual fund unit based on its composition. You can view this Risk Level in each product’s Prospectus.

The Prospectus document can be downloaded via the Jenius app on the Product Detail Page.

For more information about the meaning of a product’s Risk Level, visit the following page:

Indonesian: http://jenius.com/app/investasi/reksadana

English: http://jenius.com/en/app/investasi/reksadana

What is meant by mutual fund type?

The type of mutual fund refers to the Prospectus document for each product.

The prospectus document can be downloaded via the Jenius app on the Product Details Page.

Information about mutual fund types can be accessed via the following pages:

Indonesian: http://jenius.com/app/investasi/reksadana

English: http://jenius.com/en/app/investasi/reksadana

What is meant by Participation Units and NAV/Unit?

Unit of Participation is a unit of measurement that represents your ownership portion in a collective investment portfolio, such as a mutual fund. It is used as the unit for mutual funds, similar to how grams are used to measure gold.

Meanwhile, Net Asset Value per Unit (NAV per Unit) is the fair value of a mutual fund portfolio after deducting the mutual fund’s operational costs, then divided by the number of shares or units of participation that are in circulation or owned by investors during a specific period.

You can find more detailed definitions of each term in the investment glossary available in the Jenius app. Simply open the Jenius app, tap on the Wealth page, select the Investment menu, choose the product you want to buy, then scroll down until you see the glossary icon. Tap it to learn more about investment terms.

What is meant by price change history or return history?

Each mutual fund product has a history of price fluctuations since it was first issued by the Investment Manager. These past fluctuations are referred to as the price change history or return history.

This information can give you an idea of a mutual fund’s past performance. However, always remember that a mutual fund’s past performance or historical returns do not necessarily reflect its future performance.

More information about price change history or return history can be accessed through the following page:

Indonesian: http://jenius.com/app/investasi/reksadana

English: http://jenius.com/en/app/investasi/reksadana

What is meant by return in 1M 3M YTD 1Y 3Y 5Y in the Jenius app?

Here’s what they mean:

1M means 1 month ago.

3M means 3 months ago.

YTD or Year to Date represents the time range from the beginning of the current year up to today.

1Y means 1 year ago.

3Y means 3 years ago.

5Y means 5 years ago.

Hope this helps.

What are the mutual fund purchase promotions in Jenius?

Information about mutual fund programs or promotions in Jenius will be sent to you via email or push notification. Stay tuned!

What is the difference between trading days and business days?

Trading day or bourse day refers to the days when securities trading (including mutual funds) takes place on the Exchange, which is Monday to Friday, except when those days fall on national holidays or are declared as holidays by the Exchange.

Can I close my mutual fund account in Jenius?

No, but you can submit a request to close your investor account on the AKSes KSEI page via www.akses.ksei.co.id.

How can I check the status of my mutual fund account opening?

You can open the Jenius app, go to the Wealth page, and select the Investment tab. In the mutual fund section, you’ll see the status of your mutual fund account opening.

Jenius will also send you a notification and e-mail if your account opening is successful or unsuccessful.

What should I do when my application fails?

If your mutual fund account application fails, first check the reason stated in the Jenius app.

Open the Jenius app, go to the Wealth page, then select the Investment menu. In the mutual fund section, tap View Application Progress to see the reason for the failure. After that, you can inform the Jenius team about the issue so we can assist you further.

Can foreign nationals have an investment account in Jenius?

Yes, they can. However, the mutual fund account must still be opened through a Bank SMBC Indonesia branch.

Foreign nationals can have an investment account in Jenius, except for United States citizens due to FATCA regulation restrictions.

Do SMBC Indonesia customers who already have mutual fund accounts need to create a new account in Jenius?

No. As an SMBC Indonesia customer who already has a mutual fund account, you don’t need to create a new one. The existing account can be used directly in the Jenius app.

If your SMBC Indonesia account doesn’t appear in Jenius, you can contact your RM or visit the nearest SMBC Indonesia branch.

How do I purchase mutual funds in Jenius?

Once you have a portfolio, you can search for the product you want by investment manager or product category.

Continue the purchase process by entering the amount you wish to invest. Make sure to review all the information displayed before making the purchase.

How do I sell mutual funds in Jenius?

Once you have a portfolio and mutual fund products, you can select the specific product you want to sell. Continue by entering the amount or number of units you want to sell, and make sure to review all the information displayed before proceeding with the sale.

The purchase and sale prices will follow the NAV/Unit on which day?

If the transaction is made by 1:00 PM (WIB) on a bourse day, it will be processed based on the Net Asset Value (NAV)/unit determined at the end of that same bourse day.

If the transaction is made after 1:00 PM (WIB) on a bourse day or on a non-bourse day (including Saturdays, Sundays, or National Holidays), it will be processed based on the NAV/unit determined at the end of the next bourse day.

How long does my purchase transaction take to process?

Your purchase may take up to 2 bourse days to process. Jenius will send you a notification once the transaction is successful or failed.

How long does my sale transaction take to process?

Your sale may take up to 7 bourse days to process. Jenius will send you a notification once the transaction is successful or failed.

Can I transact outside business hours or on holidays?

Yes, you can. If the transaction is made after 1:00 PM (WIB) on a bourse day or on a non-bourse day (including Saturdays, Sundays, or National Holidays), it will be processed based on the NAV/unit determined at the end of the next bourse day.

Can I view investment transaction history in Jenius?

Yes, you can. You can view your transaction history in the Transactions menu within your investment portfolio, or see a full summary of your income and expenses in the Moneytory menu.

What happens if my mutual fund transaction fails?

If a purchase transaction fails, your funds will be returned to your Active Balance.

If a sale transaction fails, the mutual fund units will be returned to your portfolio. Don’t worry, you can still make other transactions after a while.

Are there fees I need to pay for mutual fund transactions?

Each mutual fund product has different fee policies for mutual fund purchases, depending on the policy of the respective Investment Manager. You can view the details of the applicable transaction fees on the product detail page of the mutual fund you’re interested in.

To do this, open the Jenius app, go to the Wealth page, select the Investment menu, tap Browse products in the mutual fund section, choose a product based on the Investment Manager or category, then scroll to find the information you need.

Hope this helps.

What is the minimum purchase or minimum sale value in Jenius?

Each mutual fund product has different minimum purchase or sale requirements, depending on the policy of the respective Investment Manager. You can view the minimum purchase or sale details on the product detail page of the mutual fund you’re interested in.

To do this, open the Jenius app, go to the Wealth page, select the Investment menu, tap Browse products in the mutual fund section, choose a product based on the Investment Manager or category, then scroll to find the information you need.

Hope this helps.

Can I sell all my mutual fund units (redeem all)?

Yes, you can. Through the Jenius app, you’re free to sell all the mutual fund units you hold in your portfolio.

Am I charged tax for each mutual fund purchase and/or sale transaction?

No, taxes on mutual fund purchase or sale fees are currently covered by SMBC Indonesia.

For more information about mutual fund taxation, you can visit:

Indonesian:
http://jenius.com/app/investasi/reksadana

English:
http://jenius.com/en/app/investasi/reksadana

Can mutual funds purchased in Jenius be sold at Branches? Or conversely, can mutual funds purchased at SMBC Indonesia Branches be sold in Jenius?

Yes, you can sell mutual funds purchased at SMBC Indonesia Branches through the Jenius app, and you can also sell mutual funds purchased in Jenius at the Branches.

Can my mutual fund transaction be cancelled?

No, mutual fund transactions that are already processed or in progress cannot be cancelled. However, once the transaction is completed, you can always sell the mutual fund. If the transaction fails, you may retry or make a new mutual fund transaction.

Hope this helps.

Can I get free transaction fees?

Each mutual fund product has specific rules regarding purchase fees. You can check detailed transaction fees, including purchase fees, on the product detail page in the Jenius app.

For information about any free transaction fee programs, stay tuned for updates via email or push notifications from the Jenius app. Make sure your push notification settings are enabled so you don’t miss out on exciting offers.

Hope this helps.

Does Jenius sell foreign currency mutual fund products?

At the moment, you can’t sell foreign currency mutual fund products through the Jenius app. Stay tuned for future updates on this.

Can Jenius perform switching investment transactions?

Yes, you can now switch your mutual fund investments directly through the Jenius app.

Simply go to your mutual fund portfolio, tap the three dots icon at the top right of the product, then select Smart Switch. Adjust the switching details as needed, then submit your request.

Make sure the mutual fund you want to switch from meets the minimum switching value required.

What is mutual fund switching?

Switching is the process of transferring ownership of mutual fund units to another mutual fund under the same Investment Manager.

With switching, you can directly move your investment from one mutual fund to another without the hassle of performing two separate transactions and waiting for settlement.

Just make sure that the destination fund is managed by the same Investment Manager and that your units meet the minimum switching requirement.

What are the requirements for mutual fund switching?

To perform a mutual fund switching transaction, make sure you meet these requirements:

• You own the mutual fund you want to switch.
• You have enough units available to be switched.
• The fund’s value (in IDR) meets the minimum switching requirement.
• The destination mutual fund is an alternative product from the same Investment Manager.

Are there fees for mutual fund switching?

Each mutual fund has different policies regarding switching fees. You can find the switching fee details in the fund’s Prospectus or on the product detail page when initiating a switch.

To view the fee on the product detail page, open the Jenius app, go to the Wealth page, and select the Investment menu. Open your mutual fund portfolio, tap the three-dot icon on the top right of the product, then choose Smart Switch.

From the list of available products, you can select each one to see its details, including the applicable switching fee, before proceeding.

Hope this helps.

How long does my mutual fund switching transaction take to process?

Your switching transaction takes up to 2 business days to process. Jenius will send you a notification once the transaction is successful or failed.

Can Jenius perform periodic purchase transactions?

Yes, you can make periodic purchases through the Auto Invest feature. Open your mutual fund portfolio, tap the three-dot icon at the top right of the product, then select Periodic Purchase. Set up your purchase preferences and submit the request. If successful, the Jenius app will send you a notification each time a periodic investment is made.

Hope this helps.

What should I do after successfully having an investment account in Jenius?

After having an investment account, you can continue by creating a new portfolio with a name according to your investment goals.

After that, you are free to choose mutual fund products based on investment manager or product category.

Only buy mutual fund products that match your risk profile and whose Prospectus and Fund Fact Sheet you have understood.

What is meant by portfolio?

Portfolio is a home for various products you invest in to achieve your financial goals.

How many portfolios can I create?

For now, you can only have 1 portfolio for one account. In the near future, Jenius will develop the number of portfolios you can have.

Can I change the name or image of my portfolio?

Currently, you can only change the portfolio name according to your investment goals. Access the portfolio page, then select the edit icon in the upper right corner of the screen.

For portfolio images, they currently cannot be changed. In the near future, Jenius will develop the app’s capability to change your portfolio image.

Can I delete my portfolio?

Currently, you can only edit the portfolio name and cannot delete the portfolio yet.

How do I monitor or manage my investments in Jenius?

You can open the Jenius app, click the Wealth page, open the Investment menu, then view the performance of products you own by entering the portfolio you have created.

How do I get monthly mutual fund reports?

Monthly mutual fund reports can be downloaded through the KSEI AKSes page at www.akses.ksei.co.id.

Can I request monthly mutual fund reports from Jenius?

Monthly mutual fund reports can only be downloaded through the KSEI AKSes page at www.akses.ksei.co.id.
Jenius cannot provide monthly mutual fund reports because Jenius does not have the authority to issue such reports.

When should I buy/sell mutual fund products?

To find this information, you can easily access Investment Insights through the Jenius app.

Open the Wealth page, select the Investment menu, then scroll until you find the Investment Insights area. The articles are always updated weekly with economic conditions, capital market analysis, and investment developments for insights on your purchases or sales.

What mutual fund products are suitable for me?

You can search for mutual fund products that match your risk profile quiz. Make sure to carefully examine each Prospectus and Fund Fact Sheet of every mutual fund you study before buying it.

What mutual fund products have the highest return history?

You can view the return history of each mutual fund through the Jenius app or through personal research via searches using search engines available on the internet.

Which Investment Manager is the best/safest?

The best or safest Investment Manager is an Investment Manager that has strong experience in their field.

You can find this out through further research such as how long the Investment Manager has been experienced in managing investment funds, total AUM they manage, their annual return history, and so on.

Which is more profitable, mutual funds or time deposits?

Time deposit profits depend on the interest rate promised by the deposit-providing bank.

Meanwhile, mutual fund profits depend on the investment composition of the mutual fund, the Investment Manager’s expertise in managing the mutual fund, Indonesia’s and the world’s macroeconomic factors, and so on. To better understand the benefits and risks of mutual funds, make sure you read the Prospectus and Fund Fact Sheet of every mutual fund you’re interested in.