Amid declining interest rates and rising inflation, maintaining funds in bank deposits has become increasingly less attractive. As of November 2025, Bank Indonesia has cut its benchmark rate by 125 bps from December 2024 to 4.75%. Although the official inflation rate reported by Central Bureau of Statistics Indonesia (BPS) was 2.72% in November 2025, the real inflation felt by households is significantly higher—pushing purchasing power down sharply. The situation is further exacerbated by lending rates that remain sticky and have not fallen as quickly as deposit rates, putting additional pressure on household finances.
In times like these, a strong financial and investment strategy is essential to protect the value of your savings. When conventional assets stop generating sufficient returns, what’s the right move?
Start Investing
Indonesia’s capital market continues to expand rapidly. The number of investors has reached 19.1 million Single Investor Identification (SID) accounts—an increase of 4.3 million or 58.4% compared to 2024. Most of this growth is driven by younger generations under 40, or Millennials and Gen Z, who are highly digitally literate. OJK’s 2024 data reinforces this, showing that 79% of SIDs are held by individuals under the age of 40.
The 2025 National Survey on Financial Literacy and Inclusion (SNLIK) reveals that people aged 26–35 have the highest financial literacy levels, while those aged 18–25 demonstrate the highest financial inclusion. This suggests that young Indonesians have both the knowledge and access to financial services—making them a key force driving growth in capital market participation.
Meanwhile, individuals aged 30 and above tend to manage finances more cautiously. Many have families, belong to the “sandwich generation,” hold mortgages, or prioritize saving for their children’s education. With such substantial financial commitments, many hesitate to start investing—when in fact, investing is an essential strategy to complement the relatively limited returns from banking products.
If you are still hesitant, consider taking time to learn about stock investing. Stocks can be an attractive investment option, especially for those with extra funds and time who are aiming for higher returns. Indonesia’s stock market performance has been particularly strong. The Jakarta Composite Index (IHSG) has been on an upward trend, surpassing 8,500—up 42% from its low of 5,968 on April 9, 2025. Current projections suggest the IHSG will continue to rise through the end of 2025.
Before you begin investing in stocks, consider these key tips:
- Know your risk profile: Are you conservative, moderate, or aggressive?
- Start small, using “cold money.” Using idle or excess funds helps you stay calm during market volatility and understand your own risk capacity.
- Learn diligently. Stock investing is not speculation. It can be a long-term strategy. Study the companies you are interested in using proper fundamental and technical analysis, and don’t hesitate to discuss with fellow investors for broader perspectives.
- Be disciplined and stay committed. Successful stock investing requires discipline in analysis, strategy, and execution. Stay focused on your goals, and remain calm during price dips. If a price drop does not fundamentally change your strategy and financial goals, there is no need to exit the market just because others are doing so.
Invest regularly. Consistency helps sharpen your intuition, deepen your understanding of market mechanisms, and better evaluate the potential of different issuers.
Investing in Stocks with Growin’ on Livin’
If you are a Livin’ by Mandiri customer, starting your investment journey is easier than ever. Simply open the Investment menu, then select Growin’ by Mandiri Sekuritas. The process is fully digital and seamless: open your Investor Fund Account (RDN) through Livin’, complete the verification process, and you’re ready to explore the stocks you’re interested in.
Once you are a Growin’ customer, you can also diversify into other financial instruments such as mutual funds and bonds. These can be accessed through the Growin’ App, available on the AppStore or PlayStore, or directly via growin.id without needing to download the app.
Still unsure about starting your investment journey? Growin’ is equipped with DIMA (Digital Interactive Mandiri Sekuritas Assistant)—an AI-powered investment assistant integrated with Mandiri Sekuritas’ research and data. DIMA delivers insights quickly and accurately to support both beginner and experienced investors in making confident investment decisions.
Start investing in stocks, mutual funds, and/or bonds through Growin’ by Mandiri Sekuritas today. Access it via the Investment menu on Livin’ by Mandiri, visit growin.id without downloading an app, or download the Growin’ app from the AppStore or PlayStore. Happy investing!
