Invesnow
PT Invesnow Principal Optima operates Invesnow, a Jakarta-based, OJK-licensed APERD running a no-download web platform that distributes 132+ mutual fund products from 31 verified Investment Managers to Indonesian retail investors starting from Rp10,000 minimum investment, generating revenue via transaction commissions.
- Company typePrivate
- Founded2017
- HeadquartersJakarta, Indonesia
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Invesnow does
Invesnow (legal entity PT Invesnow Principal Optima) is a Jakarta-based, OJK-licensed APERD (Agen Penjual Efek Reksa Dana) operating a web-based mutual fund distribution platform since December 2017. The company serves Indonesian retail investors aged 17 and above — predominantly first-time and millennial investors — by offering a unified, browser-accessible marketplace for purchasing, redeeming, and switching mutual fund units without requiring an app download. As of the data provided, the platform lists 132+ registered mutual fund products from 31 verified Investment Managers spanning equity (Reksa Dana Saham), balanced (Reksa Dana Campuran), fixed income/bond (Reksa Dana Pendapatan Tetap/Obligasi), and money market (Reksa Dana Pasar Uang) categories, with a minimum investment of Rp10,000 (≈USD 0.61).
The underlying platform integrates directly with three custodian banks (BCA, BNI, HSBC) and KSEI's AKSes system for securities ownership reference, and processes transactions at a same-day NAV cut-off of 13:00 WIB. Functional modules include digital registration and KYC (KTP-based e-KYC and e-signature), a risk-profile questionnaire that maps customers to suitable risk-tier products, transaction processing (subscription/redemption/switching), and daily editorial content covering IHSG levels, mutual fund NAV updates, macro analysis, and trade-policy commentary. Distribution is hybrid: a self-serve web channel augmented by a network of WPPE/WAPERD-certified sales agents (Tenaga Pemasar) who deliver personalized guidance aligned to each customer's risk profile.
Invesnow's revenue model is transaction-based: as an APERD, the company earns commissions and referral fees from Investment Managers for each mutual fund unit sold, redeemed, or switched through the platform, with no platform fee charged to end investors. The firm markets itself via daily published articles, an email newsletter, a WhatsApp support channel, an omnichannel social presence across Instagram, Facebook, Twitter, Telegram, YouTube, and TikTok, and partner-led workshops and seminars. The company is privately held with 11-50 employees, headquartered in Sequis Tower, Jakarta, and is operated under OJK supervision with CBQA Global ISMS certification (ISMSAP).
Invesnow firmographics
Firmographics- Name
- Invesnow
- Legal name
- PT Invesnow Principal Optima
- Website
- https://invesnow.id
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- PT Invesnow Principal Optima operates Invesnow, a Jakarta-based, OJK-licensed APERD running a no-download web platform that distributes 132+ mutual fund products from 31 verified Investment Managers to Indonesian retail investors starting from Rp10,000 minimum investment, generating revenue via transaction commissions.
- Ownership category
- akta.pro rank
Invesnow industry classification
Industry- Product category
- Online Mutual Fund Distribution
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282)
- akta.pro primary industry
- Managed Account Platforms (Separately Managed Accounts / Customized Portfolios) (FSAHAKAC)
- akta.pro secondary industry
- AML/KYC, Investor Onboarding & Compliance Services (FSAAAMAE)
Keywords
Where Invesnow is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices1 record
Markets served
Invesnow business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Others
Revenue model
- Mutual Fund Distribution Commission: Invesnow earns commissions from Investment Managers (Manajer Investasi) for each mutual fund unit sold, redeemed, or switched through its platform. As an APERD (Agen Penjual Efek Reksa Dana), Invesnow acts as a distribution agent earning referral and transaction-based fees from its MI partners.
- Marketing & Distribution Services: Invesnow markets mutual fund products from over 30 Investment Managers and earns fees for facilitating investor onboarding, product distribution, and ongoing portfolio management services through its certified sales agents.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Rp10,000 minimum investment — entry-level tier |
| Transaction based/ take rate | Pay-as-you-go | Transaction-based fees (subscription, redemption, switching) |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Invesnow product offering
Product offeringCore offering
Invesnow operates a web-based mutual fund (Reksa Dana) distribution platform that lets Indonesian retail investors register, complete KYC, take a risk profile assessment, and subscribe, redeem, or switch mutual fund units fully online — no app download required. As an OJK-licensed APERD, the company distributes 132+ products from 31+ verified Investment Managers with a minimum investment of Rp10,000, settlement through custodian banks (BCA, BNI, HSBC), and personalized guidance from WPPE/WAPERD-certified sales agents.
Product overview
Invesnow is a web-based mutual fund (Reksa Dana) distribution platform operated by PT Invesnow Principal Optima, an OJK-licensed APERD (Agent Selling Mutual Fund Securities). The platform offers a unified marketplace for purchasing, redeeming, and switching mutual fund units, supporting four main product categories: Reksa Dana Saham (equity funds), Reksa Dana Campuran (balanced funds), Reksa Dana Pendapatan Tetap/Obligasi (fixed income/bond funds), and Reksa Dana Pasar Uang (money market funds). Customers can invest starting from Rp10,000, select products based on their risk profile (low, moderate, or aggressive), and conduct all transactions online without needing to download an application. The platform partners with over 30 verified Investment Managers offering 132+ registered mutual fund products.
Differentiator
Problem solved
Functional benefit
Products and services
- Reksa Dana Saham (Equity Mutual Fund) Mutual fund product with majority allocation to equity securities (minimum 80% equities, maximum 20% bonds, maximum 20% money market), offering higher-risk growth exposure for retail investors.
- Reksa Dana Campuran (Balanced Mutual Fund) Balanced mutual fund product with investment allocation diversified across stocks, bonds, and money market instruments, suited for moderate risk profiles.
- Reksa Dana Pendapatan Tetap (Fixed Income Mutual Fund) Fixed income mutual fund where collected funds are invested primarily in long-term debt securities (bonds) by the fund's Investment Manager, providing income for lower-to-moderate risk profiles.
- Reksa Dana Pasar Uang (Money Market Mutual Fund) Money market mutual fund investing in short-term debt instruments and cash equivalents, offering lower risk and faster redemption (H+1) for conservative retail investors.
- Invesnow Online Mutual Fund Transaction Platform Proprietary web-based platform (invesnow.id and app.invesnow.id) that lets Indonesian retail investors register, complete e-KYC, conduct risk profiling, and execute mutual fund transactions (subscription, redemption, switching) end-to-end without downloading an app.
Quantifiable outcome
- Start investing from Rp10,000 (~$0.61)
- +3 more outcomes
Companies that use Invesnow
Customer profileSegments1 record
Ideal customer profiles1 record
Invesnow technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Invesnow partnerships and signals
Strategic signalPartnerships
32 partnerships are on record, tiered core.
- PNM (Permodalan Nasional Madani)corePNM is an Investment Manager partner providing mutual fund products distributed through the Invesnow platform. PNM is one of 30+ Investment Managers whose products are available on Invesnow.
- Phillip Asset ManagementcorePhillip Asset Management is an Investment Manager partner providing mutual fund products distributed through the Invesnow platform.
- Samuel Sekuritas IndonesiacoreSamuel Sekuritas Indonesia is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Setiabudi Investment ManagementcoreSetiabudi Investment Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Prospera Investment ManagementcoreProspera Investment Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Eastspring InvestmentscoreEastspring Investments is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- UOB Asset Management IndonesiacoreUOB Asset Management Indonesia is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Maybank Asset ManagementcoreMaybank Asset Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- STAR Asset ManagementcoreSTAR Asset Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Avrist Asset ManagementcoreAvrist Asset Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform, including the Avrist Bond Fund.
- Allianz Global Investors IndonesiacoreAllianz Global Investors Indonesia is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform, including the Allianz Fixed Income Fund 2.
- BNI Asset ManagementcoreBNI Asset Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Bahana TCW Investment ManagementcoreBahana TCW Investment Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- HP Asset ManagementcoreHP Asset Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform, including HPAM Flexi Indonesia Sehat and HPAM Ultima Ekuitas 1.
- Ciptadana Asset ManagementcoreCiptadana Asset Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Principal Asset Management IndonesiacorePrincipal Asset Management Indonesia is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform, including the Principal Total Return Equity Fund.
- Sinarmas Asset ManagementcoreSinarmas Asset Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- MNC Asset ManagementcoreMNC Asset Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Manulife Asset Management IndonesiacoreManulife Asset Management Indonesia is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Capital Asset Management IndonesiacoreCapital Asset Management Indonesia is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Insight Asset ManagementcoreInsight Asset Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Danareksa Investment ManagementcoreDanareksa Investment Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Sucor Asset ManagementcoreSucor Asset Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Trimegah Asset ManagementcoreTrimegah Asset Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Syailendra CapitalcoreSyailendra Capital is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Shinoken Investment ManagementcoreShinoken Investment Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- Pinnacle InvestamacorePinnacle Investama is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform.
- KISI Asset ManagementcoreKISI Asset Management is an Investment Manager partner whose mutual fund products are distributed through the Invesnow platform, including the KISI Fixed Income Fund.
- Bank BCA (as Custodian Bank)coreBank BCA serves as one of the custodian banks for mutual fund investments processed through Invesnow, responsible for holding and safeguarding investor assets.
- Bank BNI (as Custodian Bank)coreBank BNI serves as one of the custodian banks for mutual fund investments processed through Invesnow, responsible for holding and safeguarding investor assets.
- HSBC (as Custodian Bank)coreHSBC serves as one of the custodian banks for mutual fund investments processed through Invesnow, responsible for holding and safeguarding investor assets.
- OJK (Otoritas Jasa Keuangan)coreOJK is the Indonesian financial services authority that licenses and supervises Invesnow as an APERD (Agen Penjual Efek Reksa Dana) under POJK.39/2014. Invesnow is registered as APERD with license number INV69.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Invesnow competitors and assessment
Company assessmentDirect peers
- Moduit: Indonesian digital mutual fund platform with robo-advisory features. Moduit is a direct peer in online reksa dana distribution, risk profiling, and curated fund selection.
- Tanamduit: Indonesian mutual fund and SBN distribution platform. Tanamduit directly competes with Invesnow in online reksa dana distribution and retail financial education.
- Ajaib: Indonesian multi-asset investment platform offering mutual funds, stocks, and ETFs. Ajaib is a direct competitor expanding mutual fund distribution alongside equities, increasing competitive pressure on pure-play MF platforms like Invesnow.
- Pluang: Indonesian multi-asset retail investment app (mutual funds, US stocks, crypto, SBN). Pluang overlaps directly with Invesnow on mutual fund distribution while offering broader asset coverage.
- Stockbit: Indonesian social-investing and brokerage platform that also distributes mutual funds. Stockbit is a direct peer combining community, equities trading, and reksa dana distribution.
- IPOT (Indo Premier Sekuritas): IPOT is the online mutual fund and securities distribution arm of Indo Premier Sekuritas, one of Indonesia's largest brokerages. It is a direct peer, offering online reksa dana alongside stocks.
- Bareksa: Long-standing Indonesian mutual fund marketplace aggregator. Bareksa is a direct peer, distributing mutual funds from multiple Manajer Investasi and providing comparison and portfolio tools for retail investors.
- Bibit: Indonesia's largest mutual fund robo-advisor/distribution app. Bibit is a direct competitor to Invesnow, offering online subscription, redemption, and switching of reksa dana from a wide range of Investment Managers to Indonesian retail investors.
Emerging players
- StashAway: Singapore-headquartered digital wealth manager operating in Indonesia, offering managed portfolios (robo-advisor). StashAway overlaps with Invesnow on the digital, risk-profiled managed-investing experience for retail users.
- Endowus: Asia-Pacific digital wealth platform offering curated, fee-advised access to managed funds. Endowus provides a comparable digital, low-friction distribution-and-advisory model for retail and mass-affluent investors.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Invesnow social profiles
Digital presenceInvesnow compliance and trust
Trust signalCompliance2 records
Invesnow financial estimates
Financial estimateRevenue estimate
Valuation estimate
Invesnow leadership team
Management profileNumber of profiles
Invesnow funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Invesnow M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Invesnow
What does Invesnow do?
Invesnow operates a web-based mutual fund (Reksa Dana) distribution platform that lets Indonesian retail investors register, complete KYC, take a risk profile assessment, and subscribe, redeem, or switch mutual fund units fully online — no app download required. As an OJK-licensed APERD, the company distributes 132+ products from 31+ verified Investment Managers with a minimum investment of Rp10,000, settlement through custodian banks (BCA, BNI, HSBC), and personalized guidance from WPPE/WAPERD-certified sales agents.
Is Invesnow a public or private company?
Invesnow is a private company. It is classified as unknown and is currently operating.
When was Invesnow founded?
Invesnow was founded in 2017. It employs 11 to 50 people.
Where is Invesnow based?
Invesnow is headquartered in Jakarta, Indonesia, in the Asia region.
How does Invesnow make money?
Two revenue lines are on record. Mutual Fund Distribution Commission is the primary driver. The others are marketing & Distribution Services.
Who are Invesnow's main competitors?
Direct peers on record are Moduit, Tanamduit, Ajaib, Pluang, Stockbit, IPOT (Indo Premier Sekuritas), Bareksa and Bibit. Emerging players are StashAway and Endowus.
Does Invesnow have an API?
No public API is recorded for Invesnow.
What industry is Invesnow in?
Invesnow's product category is Online Mutual Fund Distribution. Its primary akta.pro industry code is FSAHAKAC, Managed Account Platforms (Separately Managed Accounts / Customized Portfolios), with a secondary code of FSAAAMAE, AML/KYC, Investor Onboarding & Compliance Services. Its NAICS code is 523940 and its SIC code is 6211.