CELIOS berkolaborasi dengan Pluang merilis laporan “Dampak Aplikasi Multi-Aset terhadap Pertumbuhan Investor Ritel”. Studi ini hadir di tengah era disrupsi digital dan pesatnya pertumbuhan investor ritel di Indonesia, terutama sejak pandemi COVID-19. Hingga Mei 2022, jumlah investor ritel di pasar modal mencapai 8,86 juta, dengan mayoritas berasal dari generasi milenial. Aplikasi multi-aset memungkinkan masyarakat mengelola dan mendiversifikasi berbagai kelas aset, termasuk saham, reksadana, dan aset kripto, dalam satu platform.
Berdasarkan survei terhadap 3.530 responden di seluruh Indonesia, studi ini menemukan bahwa aplikasi multi-aset berdampak positif terhadap percepatan inklusi dan literasi keuangan, khususnya bagi generasi muda. Sebanyak 93% responden percaya platform investasi ini turut mendorong pertumbuhan ekonomi nasional melalui peningkatan penerimaan pajak dan pengalihan dana ke kegiatan produktif. Investor ritel domestik juga berperan penting dalam menjaga ketahanan ekonomi dari tekanan eksternal.
Dengan 90% responden ingin menambah instrumen investasi melalui aplikasi multi-aset, laporan ini merekomendasikan penguatan regulasi untuk mendukung aplikasi multi-aset, kolaborasi antar regulator, serta peningkatan literasi keuangan melalui edukasi formal dan peran Fin-fluencer. Pendekatan ini diharapkan dapat mendorong pertumbuhan investor ritel sekaligus memberikan kontribusi bagi ekonomi nasional.
CELIOS, in collaboration with Pluang, released the report “The Impact of Multi-Asset Applications on Retail Investor Growth.” The study comes amid a digital disruption era and the rapid growth of retail investors in Indonesia, particularly since the COVID-19 pandemic. By May 2022, the number of retail investors in the capital market had reached 8.86 million, with a significant majority from the millennial generation. Multi-asset applications allow users to manage and diversify various asset classes, including stocks, mutual funds, and crypto, all within a single platform.
Based on a survey of 3,530 respondents across Indonesia, the study found that multi-asset applications positively accelerate financial inclusion and literacy, especially among young investors. Ninety-three percent of respondents believe that these investment platforms contribute to national economic growth through increased tax revenues and the redirection of funds to more productive activities. Domestic retail investors also play a key role in strengthening economic resilience against external shocks.
With 90% of respondents expressing interest in adding more investment instruments through multi-asset applications, the report recommends strengthening regulations to support these platforms, enhancing collaboration among regulators, and improving financial literacy through formal education and Fin-fluencers. This approach aims to foster retail investor growth while contributing positively to the national economy.
