InvestasiKu

What InvestasiKu does

InvestasiKu is a multi-product retail investment platform operated by PT Mega Capital Sekuritas, a licensed Indonesian securities broker, and embedded within the CT Corp conglomerate ecosystem. The platform enables individual investors to trade stocks (Saham) on the Indonesia Stock Exchange (BEI), mutual funds (Reksa Dana) from 20+ asset managers offering 100+ products, and government and corporate bonds (Obligasi) through a single mobile-first application available on Android, iOS, and Windows, with a companion web trading portal at app.investasiku.id. Core platform architecture combines mobile and web distribution with direct integration to BEI for real-time market access, supplemented by financial planning calculators (Fincheck), an educational content hub (Eduvest), and daily trading ideas broadcast via Instagram Live.

The business operates a transaction-based revenue model: 0.15% buy and 0.25% sell fees on stock trades (inclusive of broker fees, BEI/KPEI/KSEI levies, VAT, and PPh final), plus distribution commissions on mutual fund subscriptions and bond transactions. Pricing is competitive within the Indonesian retail brokerage market, supported by a low Rp 10,000 minimum investment threshold and account opening completed in one business day. The MPC (Membership, Points & Coupon) loyalty program, inherited from the CT Corp ecosystem, is a core differentiator — users earn 1 MPC Point per Rp 1 of transaction value, redeemable across CT Corp business units including Allo Bank digital banking, Trans Entertainment, and Transmart retail outlets, creating cross-business loyalty value and switching friction. Go-to-market is product-led growth combined with community-led engagement, leveraging trading competitions, university partnerships, webinars, and an active presence across Instagram, TikTok, YouTube, and other social platforms. The customer base is segmented across retail beginners (students, home-makers), active retail traders, and mutual fund investors — all served through the same self-serve platform. The company holds OJK compliance, BEI registration as a securities broker, Kominfo compliance, and ISO/IEC 27001:2022 information security certification.

Name

InvestasiKu

Legal name

PT Mega Capital Sekuritas

Website

https://investasiku.id

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

51–100 employees

Short description

InvestasiKu is an Indonesian multi-product retail investment app, operated by PT Mega Capital Sekuritas under CT Corp, enabling stock, mutual fund, and bond trading through mobile and web platforms with MPC loyalty point integration across the CT Corp ecosystem.

Ownership category

akta.pro rank

Product category

Retail Investment Platform

NAICS

Investment Banking and Securities Intermediation (523150), Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282)

akta.pro industry

PRIMARYFSAAAAAI

Execution-Only / Self-Directed Investing Platforms

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

SECONDARYFSAAAAAO

Investor Education, Research & Portfolio Analytics Services (Retail)

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

SECONDARYFSAEAAAC

Portfolio Construction & Asset Allocation Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

Keywords

• Retail investment platform
• Stock trading app
• Mutual fund distribution
• Bond trading platform
• Financial planning tools

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Stock Trading Fees: Transaction-based fees charged on stock buy and sell orders. Fee Beli (buy) is 0.15% and Fee Jual (sell) is 0.25% per transaction. Fees are inclusive of broker fees, exchange levies (BEI, KPEI, KSEI), 10% VAT on broker fees, and PPh final for sell transactions.
2. Reksa Dana (Mutual Fund) Distribution: Platform serves as a distribution channel for 100+ reksa dana products from 20+ asset managers. Earns commissions on each mutual fund subscription and redemption.
3. Bond Distribution: Facilitates primary and secondary market bond transactions including government bonds (SBN Ritel, ORI, FR, SR) and corporate bonds. Generates revenue through transaction fees on bond purchases.
4. MPC Points Ecosystem: Loyalty program where MPC Points earned on transactions can be redeemed across CT Corp ecosystem, creating cross-business value. Points earned at 1 Point = Rp 1 per transaction.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

InvestasiKu is a mobile and web-based retail investment platform operated by PT Mega Capital Sekuritas (an OJK-licensed securities broker under the CT Corp conglomerate) that enables Indonesian retail investors to buy and sell stocks (Saham), mutual funds (Reksa Dana), and bonds (Obligasi) within a single unified application. It also provides financial planning calculators, educational content (Eduvest), and an integrated MPC loyalty points program that connects users to the broader CT Corp ecosystem.

Product overview

InvestasiKu is a multi-product digital investment platform developed by PT Mega Capital Sekuritas under CT Corp, offering stocks (Saham), mutual funds (Reksa Dana), and bonds (Obligasi) in a single unified application. The platform operates as a platform-plus-modules architecture where the core investment products (Saham, Reksa Dana, Obligasi) serve as the primary offerings, supplemented by supplementary modules including Financial Checkup (Fincheck) for planning tools, Eduvest for educational content, and Trading Ideas for daily market recommendations. A cross-platform MPC loyalty program integrates across the CT Corp ecosystem, allowing users to earn and redeem points at partner merchants. The platform is accessible via mobile applications (Android, iOS), web trading platform, and desktop version.

Differentiator

Problem solved

Functional benefit

Products and services

• Saham (Stocks) Equity trading platform enabling users to buy and sell stocks listed on the Indonesia Stock Exchange (Bursa Efek Indonesia). Users receive MPC Points for each transaction, with competitive trading fees of 0.15% buy and 0.25% sell. Targets individual retail investors.
• Reksa Dana (Mutual Funds) Mutual fund investment platform offering access to over 100 products from 20+ Investment Managers, including money market, fixed income, mixed, equity, and index funds. Users earn MPC Points on settled balances. Targets individual retail investors seeking diversified professionally managed portfolios.
• Obligasi (Bonds) Government and corporate bond trading platform offering primary market and secondary market bonds including SBN Ritel, ORI, FR, SR Sukuk, and corporate sukuk. Targets retail investors seeking stable returns from Indonesian government and rated corporate issuers.
• Financial Checkup (Fincheck) Financial health assessment and planning tool featuring multiple calculators for installment calculations, debt principal, credit card payoff, insurance premiums, investment planning, income protection, retirement planning, and children's education savings. Targets individual investors planning financial goals.
• Eduvest Financial education platform providing investment learning content through articles, podcasts, videos, and market news updates (Glimpse) to support investor knowledge development. Targets beginner and intermediate retail investors seeking financial literacy.
• CTC Explore Cross-promotional platform showcasing products and services from other CT Corp subsidiaries including Trans Vision, Mega Finance, and Trans 7 Academy courses, accessible from within the InvestasiKu app.
• Mega Web Trading Web-based trading platform for stocks, mutual funds, and bonds accessible via browser at app.investasiku.id, complementing the mobile application with advanced trading features for more experienced users.

Quantifiable outcome

• Rp 10,000 minimum investment enabling broad retail access
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Allo Bank (Mega Corpora / CT Corp)coreStrategic or Co-development PartnerAllo Bank is a digital bank under Mega Corpora within CT Corp. InvestasiKu is integrated with Allo Bank through the MPC loyalty ecosystem, allowing users to link accounts and use MPC Points across both platforms. The Allo Bank integration provides banking services that complement the investment app, with cross-promotional events like Allo Bank Festival.
• PT Mega Capital SekuritascoreOthersInvestasiKu is the digital investment application managed and developed by PT Mega Capital Sekuritas, a licensed securities broker registered with BEI and supervised by OJK. Mega Capital Sekuritas acts as the broker facilitating all stock, mutual fund, and bond transactions on the platform.
• CT Corp EcosystemcoreStrategic or Co-development PartnerInvestasiKu is a business unit under CT Corp, connected to the entire CT Corp application ecosystem. MPC loyalty points are redeemable across all CT Corp business units including Allo Bank, Trans Entertainment (TV), food & beverage merchants, and other CT Corp outlets. The partnership provides cross-business loyalty value and co-marketing opportunities.
• PT Bursa Efek Indonesia (BEI)coreOthersBEI is the Indonesia Stock Exchange where all stock transactions facilitated by InvestasiKu are executed. All stock, mutual fund, and bond listings referenced on the platform are registered with BEI.
• Otoritas Jasa Keuangan (OJK)coreOthersOJK is the financial services authority that supervises and licenses PT Mega Capital Sekuritas and InvestasiKu. The platform prominently displays its OJK registration and compliance.
• Asset Managers (20+ Partners)coreChannel Partner/ Reseller/ Distributor20+ asset management companies (Manajer Investasi) offer 100+ mutual fund products through InvestasiKu. Partners include Capital Asset Management, Ciptadana Asset Management, Sucorinvest, Sequis Asset Management, Avrist Asset Management, Panin Asset Management, Phillip Asset Management, Sinarmas Asset Management, STAR AM, PNM Investment Management, Simpan Asset Management, Berdikari Manajemen Investasi, Samuel Aset Manajemen, Reliance Manajer Investasi, and others. Promotional campaigns are regularly run with these partners offering reward bonuses for first-time purchases.
• Kokocuan Trading CommunityminorGTM or Marketing PartnerKokocuan is a trading community founded by Nelson that co-hosts trading competitions with InvestasiKu. The partnership drives user acquisition and engagement among active retail traders.
• Master Cuan Saham Trading CommunityminorGTM or Marketing PartnerMaster Cuan Saham is a trading education community that partners with InvestasiKu for seminars, workshops, and trading sessions. Founder Holi Aziz collaborates on investor education events.
• Indonesia SIPF (Sinarmas Financial Institution Pension Fund)minorOthersIndonesia SIPF (Surat Indonesia Pension Fund) is referenced in investment protection educational content. InvestasiKu collaborates with SIPF for investor protection awareness webinars.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Ajaib: Indonesian retail investment platform offering stocks, mutual funds, and crypto. Competes directly with InvestasiKu in mobile-first retail investing, with a similar focus on beginner-friendly UX and multi-asset offerings.
• IPOT (Indopremier Sekuritas): Indonesian retail brokerage app from Indopremier Sekuritas offering stocks, mutual funds, and bonds. Direct competitor with multi-product offering and licensed broker parent similar to InvestasiKu's Mega Capital Sekuritas setup.
• Bareksa: Indonesian mutual fund marketplace aggregating products from multiple asset managers. Directly competes with InvestasiKu's 100+ reksa dana offering and distribution-based revenue model.
• Pluang: Indonesian multi-asset investment app offering stocks, mutual funds, gold, and crypto. Competes with InvestasiKu on retail investment access, low minimums, and digital-first onboarding.
• Bibit: Indonesian robo-advisor focused on mutual fund distribution with beginner-friendly app and goal-based investing. Overlaps with InvestasiKu's Reksa Dana offering and Fincheck planning tools.
• Stockbit: Leading Indonesian retail investment community and stock trading app. Directly competes with InvestasiKu on retail stock trading, community features, and educational content for Indonesian investors.

Emerging players

• Moduit: Indonesian mutual fund investment app with similar beginner-friendly positioning. Competes with InvestasiKu specifically on reksa dana accessibility and financial planning features.
• BukaReksa: Mutual fund platform from Bukalapak that was eventually spun off as Reksa. Competed with InvestasiKu on mutual fund distribution to Indonesian retail investors with tech-platform backing.

Others

• Allo Bank: Digital bank within CT Corp ecosystem already integrated with InvestasiKu via MPC loyalty. Strategic ecosystem partner rather than competitor, but represents both a cross-sell channel and a potential adjacent offering overlap.

Broad incumbents

• Mirae Asset Sekuritas: Major Indonesian securities broker with retail trading app (HOTS). Comparable in licensed-broker status and stock trading focus, but part of a larger global financial group with broader product range than InvestasiKu.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/investasiku_id
• YouTubeyoutube.com/channel/UCZa-wTG9NDXaUDkd5Kn2wPA
• Facebookfacebook.com/investasiku.aplikasisaham
• LinkedInlinkedin.com/company/investasikusekuritas
• Instagraminstagram.com/investasiku.id
• TikToktiktok.com/@investasiku.id

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about InvestasiKu