Cara Mudah Investasi Reksadana Pertamamu di Bibit

Summary

This video provides a step-by-step guide on how to start investing with the Bibit app, designed for beginners. It introduces three main investment methods: starting with the safest options (money market funds), creating a portfolio aligned with specific financial goals (emergency fund, retirement, etc.), and using the Robo Advisor feature for tailored investment advice. The video explains how to select products, set goals, and track investments, including the option for Sharia-compliant funds. Each method is broken down into clear, actionable steps, making it easy for viewers to begin their investment journey with Bibit.

Takeaways

• 😀 Start investing on Bibit with 3 main methods: safest investment options, creating a portfolio, and using the Robo Advisor feature.
• 😀 The safest method involves investing in a money market mutual fund, a low-risk investment product suitable for beginners.
• 😀 Money market mutual funds have high liquidity and are generally stable, making them a good starting point for cautious investors.
• 😀 For Muslim investors, Bibit offers the option to select Sharia-compliant investment products, such as Sharia money market mutual funds.
• 😀 To start investing in the safest way, simply choose the 'Try the Safest' option, select a product, and complete the payment process.
• 😀 The second method is to create a portfolio tailored to specific financial goals, such as emergency funds, buying a house, or retirement.
• 😀 Bibit provides four portfolio types: Bibit Emergency Fund, Bibit Retirement, Bibit Goals, and Bibit Savings, each designed for different financial needs.
• 😀 When creating a portfolio, Bibit helps assess whether an emergency fund is in place before starting other investment goals.
• 😀 The Robo Advisor feature recommends mutual fund portfolios based on the investor's risk profile, offering a personalized investment experience.
• 😀 Robo Advisor also suggests monthly savings amounts to help meet investment goals and recommends rebalancing portfolios periodically for optimal growth.

Q & A

What is the first step to start investing on Bibit?

The first step is to choose the 'Try the Safest Option' feature. This is recommended for beginner investors who are unsure about choosing mutual funds. It guides you to start with low-risk products like money market mutual funds.

What type of mutual fund is suggested for beginners on Bibit?

For beginners, Bibit suggests investing in money market mutual funds (Reksadana Pasar Uang) as they are low-risk, highly liquid, and tend to have stable returns.

Can I choose Sharia-compliant mutual funds on Bibit?

Yes, you can choose Sharia-compliant mutual funds. If you activate the 'Sharia' option, Bibit will show only Sharia-compliant products, such as Sharia money market funds.

How do I start creating a portfolio on Bibit based on my financial goals?

To create a portfolio based on your financial goals, you can select the 'Create Portfolio' option on the main page, and you will be asked to choose your investment goal (e.g., emergency fund, buying a house, retirement). You will then set the amount and timeline for your goal.

What are the different types of portfolios available on Bibit?

Bibit offers four types of portfolios: 'Bibit Darurat' (Emergency Fund), 'Bibit Pensiun' (Retirement Fund), 'Bibit Goals' (for specific financial goals like buying a house), and 'Bibit Tabungan' (General Savings).

What is the recommended portfolio for someone without an emergency fund?

If you don’t have an emergency fund, Bibit recommends starting with the 'Bibit Darurat' portfolio. This portfolio is designed to help you build an emergency fund, which is essential for managing financial risks.

What does the 'Instant Redemption' feature offer on Bibit?

The 'Instant Redemption' feature allows you to quickly withdraw your investment, often within seconds. This is available for certain money market mutual funds and requires linking your Bibit account to a Bank Jago account for instant transfer.

What is the Robo Advisor, and how does it help investors?

The Robo Advisor is an automated tool that helps investors build a portfolio based on their risk profile, age, and investment goals. It recommends mutual funds and suggests how much to invest regularly to meet your financial goals.

How does the Robo Advisor determine which mutual funds to recommend?

The Robo Advisor uses the information you provide about your risk tolerance, financial goals, and investment timeline to recommend a personalized portfolio of mutual funds. It aims to optimize your investments based on your profile.

Can I select my own mutual funds if I don't want to use the Robo Advisor?

Yes, if you prefer to select your own mutual funds, you can choose the 'Select Funds Manually' option. This allows you to pick from different types of mutual funds such as money market, bond, and equity funds.

How can I track my progress towards achieving my financial goals on Bibit?

You can track your progress through the Bibit app, where your portfolio’s performance is regularly updated. The app also allows you to adjust your investment amounts and timelines to stay on track with your goals.