Collaboration with Regulators and Industry, Bibit.id Promotes Education to Save Regularly through 2026 Mutual Fund Week

JAKARTA - Efforts to increase literacy and financial inclusion in Indonesia are again strengthened through the implementation of "Road to Pekan Reksa Dana 2026" which was initiated by the Financial Services Authority together with the Indonesia Stock Exchange and capital market players.

Activities centered in several cities such as Surabaya, Semarang, Bandung, Medan, and Makassar are a strategic momentum in encouraging the public to better understand investment instruments, especially mutual funds, as part of long-term financial planning.

Carrying the spirit of education and inclusion, the series of activities "Road to Pekan Reksa Dana 2026" emphasizes the importance of investment that is easy to access, safe, and in accordance with the risk profile of the Indonesian people. Campaigns such as #ReksaDanaAja and PINTAR Reksa Dana are also presented to simplify public understanding of mutual fund investments.

In line with this initiative, Bibit.id, the leading digital investment application in Indonesia, emphasizes its role as a pioneer of the Systematic Investment Plan (SIP) or Routine Savings program. This program encourages people to invest consistently and disciplined, without having to wait for large capital. Bibit has long educated the public about the importance of periodic investment as a strategy for building wealth sustainably. This approach is considered relevant to the condition of the Indonesian people who need simple but effective investment solutions.

"We are very happy to see the movement that Bibit has been pushing for a long time now become a common agenda for regulators and industry players. Thank you to OJK, BEI, friends in the industry, and media colleagues. Together we strengthen the mutual fund industry and help Indonesian people build a better financial future," said Head of PR & Corporate Communication Bibit.id, William, in a written statement, Monday, April 13.

The 2026 Mutual Fund Week is expected not only to be a momentary campaign, but also to be a catalyst for changing people's behavior in managing finances. Collaboration between regulators, industry players, and digital platforms such as Bibit is key in accelerating financial literacy transformation in Indonesia.

Regarding the main theme in this joint movement, the Systematic Investment Plan (SIP) is a combination of the strategy of the power of compounding and Dollar Cost Averaging. SIP requires investors to deposit money into mutual funds in the same amount, scheduled, and in a time horizon that has been adjusted to their financial goals. For example, if an investor wants to buy a dream home in the next 10 years, then the SIP strategy is perfect to help him invest with discipline, easy, flexible, and of course in a diversified portfolio.

Dede Suryanto, an investment planner practitioner, lecturer at the University of Indonesia in the Financial and Banking Administration Study Program, and Chairman of the Digital Financial Center (DFC) of the University of Indonesia, said that the concept of saving then and now is very different.

"In the past, we have interpreted saving as an investment, namely setting aside money regularly and saving it in a savings account or a bank deposit. However, today the function of saving has shifted from just saving money, which is where the value of our money is slowly reduced because it is eroded by administrative costs, taxes and of course inflation, now it is shifted by saving it in the form of relatively safe and more profitable investment instruments, for example mutual funds," said Dede.

According to Dede, to achieve the desired financial goals, discipline in investing and accuracy in choosing the type of investment instrument are the keys to the investor's success in realizing his financial goals.

"Systematic Investment Plan is basically setting aside funds regularly for a certain period of time, committing to achieving financial goals, and at the same time resisting the temptation to sell mutual funds before our goals are achieved," he said.

Dede added that the essence of SIP is to invite every investor to be disciplined in investing regularly and planned, not an investment recommendation in large amounts. He also emphasized the importance of diversifying to reduce the risk of investing in one instrument only.

"SIP is a safe investment strategy, proven to be profitable, and an alternative investment for the long term," he added.

According to India Times, Systematic Investment Plan (SIP) is an investment strategy where investors invest the same amount of money in a certain mutual fund periodically or regularly. One of the reasons why SIP is becoming more popular is the availability of support from various financial technologies. In India, since the launch of the "Mutual Fund Sahi Hai" campaign (mutual funds are the right choice) by the Association of Mutual Funds in India (AMFI) in 2017, SIP has proven to be a successful strategy that has changed the investment landscape in the country.

From February 2017 to March 2019, the average assets under management (AAUM) of mutual funds in India grew by 33%. Even more astonishing, from the end of 2019 to the end of 2023, the AAUM in mutual funds in India has doubled.

"Looking back at the success story in India, of course we are optimistic that together we can achieve the same success in Indonesia. Moreover, data from the Indonesian Central Securities Depository shows something encouraging: at the end of 2022, the number of mutual fund investors reached 9.6 million investors, while at the end of January 2026 the figure has doubled to reach 19.84 million investors," concluded William.