Initial Investment in Mutual Funds Starts at IDR 100,000. Here’s What You Need to Know

15 October 2026

Until now, many people still believe that mutual fund investments are only for those with large amounts of capital. With the growth of digital investment services, people can now start investing with much more affordable amounts.

For those just starting to build an investment habit, mutual funds are a popular choice because they’re managed by professional investment managers and come in a variety of options tailored to financial goals and risk profiles.

So, is it true that investing in mutual funds requires a large amount of capital? Read on to find out.

Is it true that investing in mutual funds requires a large amount of capital?

One myth that many people still believe is that you need to have millions to tens of millions of rupiah before you can start investing.

In fact, many mutual fund products today can be purchased for more affordable amounts. At Maybank Indonesia, customers can even start buying mutual funds through the M2U ID App (mobile banking) starting at IDR 100,000.

This means that building an investment habit doesn’t always depend on the size of your capital, but rather on consistency in investing according to your financial capabilities.

What is the minimum investment amount for mutual funds?

The minimum investment amount varies depending on the mutual fund product selected. Through Maybank Indonesia’s investment services, there are mutual fund products available starting at IDR 100,000, providing more people with the opportunity to start investing gradually.

Before purchasing a product, it is important to read the prospectus and fund fact sheet to understand the product’s characteristics and risks.

How Do Mutual Funds Work?

A mutual fund is a vehicle that pools funds from many investors, which are then managed by an investment manager and invested in various instruments in accordance with each product’s investment policy.

These funds can be allocated to instruments such as:

• Money market instruments

• Bonds
• Stocks

• Blended portfolios

As an investor, you hold investment units whose value tracks the performance of the assets in the mutual fund’s portfolio.

Because they are professionally managed, investors do not need to select each investment instrument themselves. However, the value of the investment can rise or fall depending on market conditions, so there is still risk involved.

Types of Mutual Funds

There are several types of mutual funds based on their characteristics and risk levels, such as money market, fixed-income, balanced, and equity funds. Here are the details, which can be tailored to your specific needs.

Why is a risk profile important before investing?

Everyone has different financial goals and levels of risk tolerance.

Before choosing a mutual fund product, first identify your risk profile./p>

• Very Conservative Profile
  Prioritizes the safety and stability of investment value, and has a very low tolerance for risk and fluctuations.


• Conservative Profile
  Prioritizes the stability of investment value with limited tolerance for risk and fluctuations, while still considering potential returns.


• Aggressive Profile
  Is prepared to face higher fluctuations in investment value with the goal of achieving potential long-term growth.
  

Understanding your risk profile helps you choose investment products that better suit your financial needs and goals.

Why Should You Consider Regular Investing?

In addition to choosing the right type of investment, developing a habit of investing regularly is also important. Investing on a regular basis allows you to gradually grow your portfolio in line with your financial capabilities.

Some benefits of regular investing include:

• Helps build financial discipline
• Investments are made gradually, so there’s no need to wait for a large sum of money
• Makes it easier to plan for long-term financial goals
• Helps reduce the tendency to put off investing

Keep in mind that regular investing does not eliminate investment risk or guarantee returns.

Mutual Fund Investments on the M2U ID App Start at IDR 100,000

Maybank Indonesia offers a digital mutual fund purchasing service through the M2U ID App, allowing customers to start investing without having to visit a branch.

With a minimum purchase amount of Rp100,000, investing becomes more accessible to a wide range of people. In addition to a convenient purchase process, you can also manage your investments directly through a single app.

What are the benefits of investing in mutual funds through the M2U ID App?

Investing through the M2U ID App offers various conveniences, including:

• Investments starting at IDR 100,000
• A wide selection of mutual fund products, such as equity, fixed-income, balanced, and money market funds, tailored to your risk profile and investment goals
• A recurring investment feature to help you stay consistent with your investments
• The ability to sell mutual fund assets via the M2U ID App

A switching feature that allows you to transfer your investment from one mutual fund product to another managed by the same investment manager.

How do I buy mutual funds via the M2U ID App?

Before you start investing, make sure you have an investment account that meets the applicable requirements.

Here’s how to register and make your first mutual fund purchase via the M2U ID App:

• Log in to the M2U ID App, then click the yellow “+” button on the account screen.
• Select “Mutual Funds.”
• Select the mutual fund product you want to buy and click its yellow ‘+’ button. Click (i) for product details
• Select a Funding Source
• Enter the investment amount
• Select a Term. If you choose a term other than ‘One-Time,’ select the debit date, then click ‘Continue’
• Check the box below the statement and click ‘Continue’
• You are not yet registered. Click ‘Continue’ to register
• Check the box below to accept the terms and click ‘Continue’
• Fill out the Customer Profile and click ‘Continue’
• Fill out the Risk Profile and click ‘Continue’
• Verify your transaction details, then click ‘Confirm & Request TAC’
• Enter your Secure2u passcode
• Your Mutual Fund registration and purchase have been successfully processed.

If you wish to invest on a regular basis, you can also take advantage of the Regular Investment feature available through Maybank’s investment services. You can find complete information on this page.

Start Investing Within Your Means, Don’t Wait for a Large Amount of Capital

One of the key steps in building your financial future is to start investing within your means. You don’t have to wait until you have a large amount of money to start investing in mutual funds.

Before purchasing an investment product, make sure you understand the investment objectives, risk profile, and characteristics of each product. Start investing in mutual funds via the M2U ID App.