Investing, as a way to invest money and grow assets, has evolved significantly over time. While investing was once synonymous with complex processes and was limited to a select few, today, thanks to technological advancements, anyone can invest more easily and practically.
How Investing Works: Then vs. Now
Investing in the past: Manual and limited processes
In the past, the act of investing often involved a lengthy and frequently intimidating process, especially for beginner investors.
- Limited access: To invest, you typically had to visit a bank or a securities firm in person. This meant being restricted by operating hours, and access to information simply wasn't as readily available as it is today.
- Manual processes: Opening investment accounts, depositing funds, and even buying investment products often required filling out physical forms, getting wet signatures, and waiting in lines. Transaction confirmations could also take days.
- Limited information: Information on investment products, performance, and market analysis wasn't easily accessible. Investors had to rely on print media, direct consultations with brokers, or information that might already be out-of-date.
- Limited options: Investment options likely weren't as diverse as they are now, making portfolio diversification more challenging.
Investing now: All digital and convenient
The digital era has drastically reshaped the investment landscape. Today's preferred way to invest offers unparalleled ease and efficiency, primarily through mobile applications. All you need is a smartphone and an internet connection, and you can start investing any time, anywhere.
Getting Started with Investing in the App Era: Easy and Accessible
Thanks to applications, the way you invest your money is now incredibly accessible, even for beginner investors. You can directly access the following investment options right from your phone.
1. Deposits: Open, withdraw, and close directly from the Jago application
Investing in deposits is now far more practical. If you used to need to visit a physical bank, you can now open a deposit directly from the Jago application, whether you have a Jago account or Jago Syariah account.
What are the benefits of investing in deposits with Bank Jago/Jago Syariah?
- Practical: Opening and managing your deposit can be done straight from the application, eliminating the need to visit a bank.
- Flexible: You can set the deposit term and amount to suit your needs, and you'll see the potential returns you'll receive right when you open the deposit.
The difference between Jago Deposit and Jago Syariah Deposit lies in the akad used and the returns generated. Jago Syariah Deposit, in accordance with Sharia principles, uses Mudharabah Muthlaqah akad and offers a profit-sharing ratio.
You can learn about the complete differences between Jago and Jago Syariah here.
2. Mutual funds: Easy and convenient portfolio diversification with Jago/Jago Syariah and Bibit
Investing in mutual funds is a popular option, and the Jago and Bibit applications make accessing these products much easier. To start investing in conventional or sharia mutual funds, simply connect your Bibit and Jago/Jago Syariah accounts first.
What are the benefits of investing in mutual funds via Jago and Bibit?
Investing in mutual funds through Jago and Bibit offers several key advantages:
- Automatic diversification: Your funds get invested across various assets like stocks, bonds, and money market instruments. This spreads out your risk according to your profile, helping to protect your investment.
- Affordable capital: You can start investing with a relatively small amount of money, making it accessible for almost anyone.
- Easy monitoring: You can easily track your mutual fund's performance directly from the Jago application, giving you real-time insights into your investment's growth.
- User-friendly for beginners: The selection of products managed by professional Investment Managers makes mutual funds a great investment for beginners who want to practice how to invest money with a more measurable risk.
3. Stocks: Full investment control with Jago/Jago Syariah and Stockbit
Investing in stocks has become far more accessible. Your Jago RDN/Jago Syariah RDN (Investor Fund Account) and the Stockbit application are your direct gateway to the capital market.
What are the benefits of having a Jago/Jago Syariah RDN for stock investing on Stockbit?
Having a Jago/Jago Syariah RDN for your stock investments on Stockbit offers several advantages:
- Full control: You get to pick the specific company stocks you believe have promising prospects. This puts you in the driver's seat of your investment decisions.
- High profit potential: While stock investing carries higher risks, it also offers greater potential for significant returns.
To get started, simply download the Stockbit application and complete the registration and Jago/Jago Syariah RDN opening process. Then, you can easily deposit funds directly into your RDN Pocket from your Jago/Jago Syariah Pocket.
Once your funds are in, you can search for the company stocks you want to buy, enter the number of lots, and submit your buy order. You'll then be able to monitor stock price movements and your portfolio in real-time, giving you continuous insight into your investments.
A New Era of Investing, Right in Your Hand
In the past, the world of investing often felt like a complex maze, full of bureaucracy and limited access. Only a select few felt comfortable diving into it. But now, thanks to technological innovation and the arrival of applications like Jago, Bibit, and Stockbit, the way we invest money has changed dramatically.
Today, even beginner investors no longer need to feel intimidated. Starting to invest in deposits, mutual funds, or even stocks is as simple as tapping on your smartphone screen. A diverse range of investment options, from flexible deposits with Bank Jago/Jago Syariah to mutual funds on Bibit and stocks on Stockbit, are all literally at your fingertips.
