Pre Test : Mip - Mandiri Golden Offshore Fund

1. Mana dari pernyataan dibawah ini yang menjadi keunggulan dari MIP - Mandiri Golden Offshore Fund : i. Diversifikasi asset dengan akses investasi ke emerging countries & advanced countries ii. Mendapatkan akses investasi ke fund global

Pernyataan i saja yang benar

Pernyataan ii saja yang benar

Pernyataan i & ii benar

Pernyataan i & ii salah

The correct answer is that both statements i and ii are correct. This means that MIP - Mandiri Golden Offshore Fund offers the advantage of asset diversification with investment access to both emerging countries and advanced countries, as well as access to global funds.

Explanation

The correct answer is that both statements i and ii are correct. This means that MIP - Mandiri Golden Offshore Fund offers the advantage of asset diversification with investment access to both emerging countries and advanced countries, as well as access to global funds.

2. Berapa besarnya UP yang akan didapatkan Nasabah pada Mandiri Investasi Prestise

150% dari Premi Tunggal ( Premi Dasar + Premi Rider (jika ada) )

125% dari Premi Tunggal ( Premi Dasar + Premi Rider (jika ada) )

5x dari RBP

5x dari Premi Tunggal

The UP (Unit Penyertaan) that will be obtained by the customer in Mandiri Investasi Prestise is 125% of the single premium (basic premium + rider premium if applicable).

Explanation

The UP (Unit Penyertaan) that will be obtained by the customer in Mandiri Investasi Prestise is 125% of the single premium (basic premium + rider premium if applicable).

3. Manfaat Asuransi untuk Mandiri Investasi Prestise adalah…

100% UP Dasar apabila Tertanggung meninggal dunia + nilai investasi yang terbentuk

100% UP Dasar apabila Tertanggung meninggal dunia hanya karena kecelakaan + nilai investasi yang terbentuk

100% UP Dasar apabila Tertanggung meninggal dunia 100% UP Dasar apabila Tertanggung mengalami cacat tetap total + nilai investasi yang terbentuk

Semua benar

The correct answer states that the Manfaat Asuransi untuk Mandiri Investasi Prestise provides 100% UP Dasar (Uang Pertanggungan Dasar) in the event of the insured's death, along with the value of the investment that has been formed. This means that if the insured passes away, their beneficiaries will receive the full sum assured, as well as any investment returns that have been accumulated. This ensures financial protection for the insured's loved ones and allows them to benefit from the investments made during the insured's lifetime.

Explanation

The correct answer states that the Manfaat Asuransi untuk Mandiri Investasi Prestise provides 100% UP Dasar (Uang Pertanggungan Dasar) in the event of the insured's death, along with the value of the investment that has been formed. This means that if the insured passes away, their beneficiaries will receive the full sum assured, as well as any investment returns that have been accumulated. This ensures financial protection for the insured's loved ones and allows them to benefit from the investments made during the insured's lifetime.

4. Yang merupakan ketentuan Pengalihan Dana (Switching) pada Mandiri Investasi Prestise adalah…

Pengalihan dapat dilakukan kapan saja & tidak ada maksimum transaksi dalam setahun

Bebas biaya pengalihan 5x per tahun

Pengalihan Dana ke-6 dan seterusnya dikenakan biaya 0,5% dari dana yang dialihkan atau minimal Rp25.000,- (Polis IDR) atau USD 2,5% (Polis USD) per transaksi

Semua benar

The correct answer is "Pengalihan dapat dilakukan kapan saja & tidak ada maksimum transaksi dalam setahun." This means that investors can switch their funds at any time without any limit on the number of transactions in a year.

Explanation

The correct answer is "Pengalihan dapat dilakukan kapan saja & tidak ada maksimum transaksi dalam setahun." This means that investors can switch their funds at any time without any limit on the number of transactions in a year.

5. Pernyataan yang benar dibawah ini mengenai keunggulan Offshore Multi Country Access : i. Manageable dalam resiko dengan exposure ke berbagai negara ii. Tingkat pengembalian lebih optimal

Hanya pernyataan i yang benar

Hanya pernyataan ii yang benar

Pertanyaan i dan ii salah

Pertanyaan i dan ii benar

Offshore Multi Country Access memiliki keunggulan dalam mengelola risiko dengan adanya exposure ke berbagai negara, sehingga dapat mengurangi risiko ketergantungan pada satu negara. Selain itu, investasi ini juga memiliki tingkat pengembalian yang lebih optimal dibandingkan dengan investasi dalam satu negara saja. Oleh karena itu, pernyataan i dan ii benar.

Explanation

Offshore Multi Country Access memiliki keunggulan dalam mengelola risiko dengan adanya exposure ke berbagai negara, sehingga dapat mengurangi risiko ketergantungan pada satu negara. Selain itu, investasi ini juga memiliki tingkat pengembalian yang lebih optimal dibandingkan dengan investasi dalam satu negara saja. Oleh karena itu, pernyataan i dan ii benar.

6. Mandiri Golden Offshore, terdiri dari :

Asia High Conviction & Golden Age

Blackrock I share US Index & Vanguard Government Bond

Asia High Conviction & Vanguard Government Bond

Blackrock I share US Index & Asia High Conviction

The correct answer is Asia High Conviction & Golden Age. This is because the given options are combinations of different investment funds. Among these options, only Asia High Conviction & Golden Age is mentioned. Therefore, it is the correct answer.

Explanation

The correct answer is Asia High Conviction & Golden Age. This is because the given options are combinations of different investment funds. Among these options, only Asia High Conviction & Golden Age is mentioned. Therefore, it is the correct answer.

7. Tolak ukur Mandiri Golden Offshore adalah…

MSCI World + MSCI Asia Ex Japan Index

MSCI World + DJIM Index

S&P 500 NR USD & Bloomberg Barclays US Govt Bond (50%:50%)

LQ 45 & IHSG

The Mandiri Golden Offshore benchmark is determined by combining the MSCI World Index with the MSCI Asia Ex Japan Index. This means that the performance of the fund is measured against the combined performance of these two indices. The MSCI World Index represents the performance of large and mid-cap stocks across developed countries, while the MSCI Asia Ex Japan Index represents the performance of large and mid-cap stocks across Asian countries excluding Japan. By using these two indices, the benchmark provides a comprehensive measure of the fund's performance in both global and Asian markets.

Explanation

The Mandiri Golden Offshore benchmark is determined by combining the MSCI World Index with the MSCI Asia Ex Japan Index. This means that the performance of the fund is measured against the combined performance of these two indices. The MSCI World Index represents the performance of large and mid-cap stocks across developed countries, while the MSCI Asia Ex Japan Index represents the performance of large and mid-cap stocks across Asian countries excluding Japan. By using these two indices, the benchmark provides a comprehensive measure of the fund's performance in both global and Asian markets.

8. Risk Level fund dan besar management fee yang dikenakan pada Mandiri Golden Offshore Fund adalah…

High Risk dan 1.80%

High Risk dan 2.51%

High Risk dan 2.50%

High Risk dan 2.30%

The correct answer is "High Risk dan 2.50%". This is because the risk level of the fund is stated as "High Risk", indicating that there is a higher level of risk associated with investing in this fund. Additionally, the management fee charged for the Mandiri Golden Offshore Fund is 2.50%, which is the percentage of the fund's assets that the management company charges for managing the fund.

Explanation

The correct answer is "High Risk dan 2.50%". This is because the risk level of the fund is stated as "High Risk", indicating that there is a higher level of risk associated with investing in this fund. Additionally, the management fee charged for the Mandiri Golden Offshore Fund is 2.50%, which is the percentage of the fund's assets that the management company charges for managing the fund.

9. Berikut hal yang menjadi SELLING POINT pada Asuransi Mandiri Investasi Prestise : i.100% alokasi pembayaran premi untuk investasi Nasabah ii.Bebas mengalihkan Dana Investasi kapanpun tanpa biaya tambahan iii.Menggunakan single price : bid price iv.Loyalty Bonus setiap 5 tahun dan kelipatannya sebesar 1% dari rata-rata saldo selama 60 bulan terakhir

I, iii dan iv

Ii, iii dan iv

Ii, iii, iv dan i

Ii dan iv

The selling points of Asuransi Mandiri Investasi Prestise are as follows:
- 100% allocation of premium payment for customer investment
- Freedom to transfer investment funds anytime without additional fees
- Use of single price: bid price
- Loyalty Bonus every 5 years and its multiples of 1% based on the average balance over the last 60 months

Therefore, the correct answer is ii, iii, iv, and i, as it includes all the mentioned selling points.

Explanation

The selling points of Asuransi Mandiri Investasi Prestise are as follows:
- 100% allocation of premium payment for customer investment
- Freedom to transfer investment funds anytime without additional fees
- Use of single price: bid price
- Loyalty Bonus every 5 years and its multiples of 1% based on the average balance over the last 60 months

Therefore, the correct answer is ii, iii, iv, and i, as it includes all the mentioned selling points.

10. Berikut adalah penyataan yang TEPAT mengenai Loyalty Bonus pada Asuransi Mandiri Investasi Prestise : i.Diberikan di akhir Ulang Tahun Polis ke-5 dan setiap kelipatan 5 tahun dalam bentuk tambahan unit ii.Diberikan di akhir Ulang Tahun Polis ke-10 dan setiap kelipatan 5 tahun dalam bentuk tambahan unit iii.Jika dilakukan Pemulihan Polis maka Loyalty Bonus tetap akan dibayarkan terhitung sejak Tanggal Berlakunya Polis. iv.Besarnya 1.5% dari rata-rata saldo selama 60 bulan terakhir sejak Tanggal Berlakunya Polis.

I dan iii

I dan iv

Ii dan iii

Iii dan iv

The correct answer is i and iii. This is because statement i states that the Loyalty Bonus is given at the end of the 5th policy anniversary and every multiple of 5 years in the form of additional units. Statement iii states that if a Policy Recovery is done, the Loyalty Bonus will still be paid from the Policy Effective Date. Therefore, both statements i and iii provide accurate information about the Loyalty Bonus in Asuransi Mandiri Investasi Prestise.

Explanation

The correct answer is i and iii. This is because statement i states that the Loyalty Bonus is given at the end of the 5th policy anniversary and every multiple of 5 years in the form of additional units. Statement iii states that if a Policy Recovery is done, the Loyalty Bonus will still be paid from the Policy Effective Date. Therefore, both statements i and iii provide accurate information about the Loyalty Bonus in Asuransi Mandiri Investasi Prestise.