Review Bibit – Penjual Reksadana Terbaik

Mencari kode referral Bibit? Gunakan kode ini untuk mendapatkan bonus –> ucleiaf 

Review ini telah dibaca dan ditanggapi oleh Wellson Lo selaku pendiri Bibit dan Stockbit.

Latar Belakang Bibit

Bibit bisa dibilang adik kandung dari Stockbit, karena keduanya merupakan anak dari perusahaan yang sama. Saya sebelumnya merekomendasikan Stockbit sebagai sarana investasi saham terbaik.

Stockbit sendiri mendapat suntikan dana dari East Ventures. Baik Bibit dan Stockbit dua-duanya menggandeng Sinarmas sebagai partner untuk transaksi saham maupun reksadana.

Berdasarkan informasi tersebut, saya rasa kredibilitas Bibit sudah tidak perlu diragukan lagi. Perlu anda ingat bahwa Sinarmas juga berada dibalik Danamas dan PinjamanGo, dua P2P lending yang memiliki posisi cukup kuat di Indonesia.

Footer dari Website Bibit
Footer dari Website Bibit

Kemudahan Penggunaan Bibit

Apabila anda membaca rekomendasi saya soal Stockbit, anda mungkin ingat bahwa saya merekomendasikan Stockbit karena tampilan antarmuka nya yang sangat rapi dan cocok dinikmati kaum millenial. Cukup mudah digunakan pemula, namun mencukupi kebutuhan profesional juga.

Nah, karena Bibit merupakan adik kandung stockbit, maka merekapun menerapkan filosofi yang sama dalam desain antarmuka mereka. Tampilannya sangat sederhana dan tidak memusingkan untuk pengguna. Di tampilan utama, anda hanya tinggal memilih seberapa besar investasi anda, bayar, dan selesai. Bibit akan mengambil alih pemilihan produk untuk anda dan tidak memusingkan anda melalui data, chart, atau informasi memusingkan lainnya.

Bagi anda yang sudah mahir di dunia investasi seperti saya, jangan khawatir, sebab Bibit sebenarnya juga bisa menunjukkan data-data lengkap seperti prospektus, fact sheet, alokasi aset, kustodian, dan manajer investasi. Hanya saja, informasi-informasi tersebut ‘disembunyikan’ agar tidak menakutkan bagi pemula.

tampilan utama bibit
Tampilan utama Bibit yang sederhana namun rapi. Tampilan ini sama di HP, tablet, maupun komputer

Kelengkapan Produk Bibit

Per tanggal 4 Juni 2019, ada 15 produk pasar uang, 18 produk obligasi, 23 produk saham, dan 12 produk syariah. Semua produk tersebut dikelola oleh manajemen dan kustodian yang berbeda-beda, sehingga variasinya cukup baik.

Namun jelas saja, bila dibandingkan dengan agen penjual reksadana lainnya seperti Bareksa, pilihan produk di Bibit tergolong jauh lebih sedikit. Jumlah pilihan dan variasi di Bibit menurut saya pas untuk pemula, namun jauh dari sempurna untuk para profesional.

Saya bukanlah seorang ahli Reksadana yang hafal performa setiap produk, namun setelah melakukan proses screening dan komparasi menggunakan random sampling, saya menemukan bahwa produk-produk di Bibit cenderung memiliki performa yang lebih buruk daripada produk populer lainnya (misalnya Ashmore, Schroder, BPN Paribas, dll).

Tidak usah khawatir, performa yang lebih buruk bukan berarti tidak bisa menghasilkan keuntungan. Saya menilai wajar saja bahwa Bibit tidak bisa menjual produk-produk populer tersebut, sebab produk-produk tersebut cenderung memiliki biaya pembelian (subscription fee) yang cukup mahal. Bibit saat ini berkomitmen bahwa pembelian maupun penjualan tidak dikenakan biaya. Bibit tidak mungkin memaksakan diri menjual produk-produk populer tersebut dan menanggung biaya pembeliannya, karena bisa langsung bangkrut!

Apabila anda bertanya “dari mana bibit dapat keuntungan“? Jawabannya cukup sederhana, yaitu bahwa Bibit melakukan kerjasama pembagian “management fee” bersama dengan manajer investasi. Untuk setiap persentase yang dikenakan oleh manajer investasi, Bibit mendapatkan sebagian kecil.

bibit
Dulu pilihan produk di Bibit cukup sedikit, namun sekarang sudah banyak

Kecerdasan Buatan Bibit

Bibit sangat bangga mengiklankan kecerdasan buatan milik mereka, dan memang menargetkan produk mereka agar digunakan oleh orang-orang yang malas memilih produk reksadana mereka sendiri untuk membangun portfolio yang optimal.

Namun demikian, sebenarnya kecerdasan buatan Bibit ini tergolong sederhana, bukan robot super cerdas yang bisa memberikan anda rekomendasi berdasarkan machine learning. Bibit hanya akan ‘mewawancarai’ anda secara singkat melalu beberapa pertanyaan di awal pendaftaran untuk menentukan toleransi anda terhadap risiko. Dari hasil wawancara inilah, Bibit akan menentukan profil risiko anda (dari nilai 1 sampai 10) dan mengatur alokasi portfolio yang cocok untuk anda.

Setelah itu, anda hanya tinggal memberitahu Bibit mau menginvestasikan berapa rupiah, dan Bibit akan mengalokasikan total rupiah anda ke kelas reksadana yang berbeda-beda sesuai profil risiko anda. Misalnya, dalam kasus saya, nilai risiko saya adalah 7 (moderat). Setiap kali saya mau berinvestasi 1 juta rupiah, Bibit akan mengalokasikan sekitar 40 persen uang tersebut ke reksadana obligasi, 50 persen ke reksadana saham, dan 10 persen ke reksadana pasar uang.

Alokasi Bibit saat checkout bisa berubah apabila Bibit menilai bahwa portfolio anda saat ini alokasinya kurang ideal. Misalnya, apabila saya minggu lalu melakukan investasi manual (tanpa bantuan robot) untuk membeli reksadana pasar uang, maka investasi robot saya berikutnya pasti tidak mengalokasikan uang saya ke reksadana pasar uang, karena robot telah melihat bahwa alokasi reksadana pasar uang di portfolio saya sudah lebih tinggi dari yang seharusnya.

Sudah, seperti itu saja cara kerjanya, sangat sederhana. Tidak ada masalah dengan metode ini, namun saya pribadi kecewa karena kecerdasan buatannya ternyata tidak secanggih ekspektasi saya. Saya berharap robot tersebut bisa membantu analisa beberapa reksadana sekaligus serta memperhitungkan retur rata-rata untuk menyeimbangi performa portfolio kita saat ini.

Contoh tampilan pembelian dengan rekomendasi cerdas
Contoh tampilan pembelian dengan rekomendasi cerdas

Bibit secara terbuka juga menyatakan bahwa pemilihan reksadana otomatis terpengaruh faktor minimum pembelian. Beberapa reksadana memiliki nominal minimal pembelian sehingga bila alokasi top-up anda saat itu cukup rendah, mungkin tidak bisa membeli produk yang menjadi rekomendasi awal Bibit, sehingga dicarikan produk lain yang sejenis.

Tanggapan Bibit: Bibit sangat independen dan tidak bergantung pada manajer investasi manapun. Pemilihan kecerdasan buatan murni karena terbentur minimal investasi dan komposisi portfolio saaat pembelian.

Tingkat Keamanan

Selain latar belakangnya yang cukup kuat, Bibit juga telah resmi diawasi oleh OJK. Saya sempat menemui bug terkait pembayaran dengan Gojek, namun selain hal tersebut, tidak ada masalah teknis ataupun operasional yang mengkhawatirkan saya. Bibit sangat aman direkomendasikan!

Seperti biasa, saya akan mengambil kesempatan ini untuk meningkatkan SEO blog saya:

Apakah Bibit penipu? Pernahkah terjadi kasus Bibit penipuan?

Tentu saja tidak!! Terima kasih telah menaikkan ranking blog saya di Google 🙂

Anda juga harus tahu bahwa reksadana adalah salah satu instrumen investasi ter-aman yang tersedia selama puluhan tahun, bahkan menurut saya nomor 2 teraman (setelah deposito). Dalam berinvestasi reksadana, meskipun agen penjual reksadana nya bangkrut (misalnya Bibit), dana anda tetap aman tersimpan dalam bank kustodian (bank yang ditunjuk untuk menyimpan uang anda). Sekalipun manajer investasi anda juga bangkrut (misalnya Sucorinvest), dana anda juga masih aman di bank kustodian!

Kualitas Customer Service

Anda bisa live chat dengan tim mereka melalui aplikasi. Balasan mereka sangat cepat, serasa chat dengan teman atau gebetan. Mereka juga membalas pesan anda secara natural dan informal, bukan menggunakan template atau macro. Jawaban mereka jelas, singkat, dan menyelesaikan masalah. Saya berharap Bibit tidak akan menerapkan kecerdasan buatan untuk menjadi customer service mereka, karena customer service harusnya manusia bicara dengan manusia!

Kalau anda beruntung bahkan anda bisa ngobrol dengan pemimpin Bibit langsung di live chat ini!

bibit
ini bukan editan photoshop, Pak Wellson bos bibit kadang kadang meladeni keluhan customer langsung!

Program Referral

Anda mendapatkan Rp25 ribu bila berhasil refer orang, sedangkan orang yang di refer tersebut mendapatkan Rp50 ribu. Perlu anda catat bahwa bonus referral ini, bagi kedua pihak, merupakan cashback berbentuk reksadana. Ketika review ini ditulis, bonus tersebut dialokasikan untuk SIMAS SAHAM UNGGULAN. Sesuai namanya, dan sesuai dengan dugaan anda, tentu saja reksadana hasil cashback ini dikelola oleh Sinarmas yang merupakan partner resmi Stockbit.

Hal ini wajar saja, sebab Sinarmas mungkin memiliki kepentingan lain untuk meningkatkan penjualan SIMAS SAHAM UNGGULAN tersebut, sehingga menjadikannya produk gratisan sebagai hadiah referral. Anda tidak bisa mengganti pilihan produk hasil referral tersebut.

Ketika review ini diperbaharui karena mendapat tanggapan dari pihak Bibit, alokasi reksadana cashback diganti menjadi MAJORIS SUKUK NEGARA INDONESIA.

Tanggapan Bibit: Pemilihan alokasi cashback murni keputusan Bibit dan tidak dipengaruhi pihak luar. Perubahan pemilihan alokasi cashback berubah karena Majoris Sukuk Negara Indonesia adalah reksadana syariah sehingga lebih cocok untuk masyarakat luas ketimbang Simas Saham Unggulan yang non-syariah.

Cashback dari Bibit hanya bisa digunakan apabila anda melakukan top-up ke investasi robo anda. Anda tidak bisa mengubah cashback menjadi reksadana tanpa melakukan pembelian via robo.

Pembelian cashback Bibit memakan sampai dengan lima hari kerja. Ketika saya mengeluhkan hal ini, CEO Bibit menanggapi bahwa hal tersebut dilakukan untuk menghindari kecurangan para pengguna – pembelian berbayar harus sudah selesai dahulu sebelum cashback diproses.

referral bibit
Investasi dibayarin lho, lumayan dari referral Bibit

Kesimpulan dan Rekomendasi

Apabila anda mau berinvestasi reksadana untuk pertama kalinya dan bingung harus memulai darimana, maka hanya Bibit yang menjadi rekomendasi dari saya.

Apabila anda tertarik menggunakan Bibit, gunakan kode referral ini untuk mendapatkan bonus –> ucleiaf 

Alternatif Lainnya

bareksa
Bareksa

Bareksa menurut saya adalah website penjualan reksadana yang paling lengkap di Indonesia. Bareksa bagus apabila anda sudah mahir memilih reksadana, dengan memperhitungkan performa di masa lalu, alokasi aset, bahkan forecast berdasarkan analisa fundamental.

Namun bagi kebanyakan investor baru dan masyarakat awam, Bareksa benar-benar menakutkan. Dari segi tampilan antarmuka dan pilihan produknya benar-benar mengintimidasi orang yang baru saja belajar investasi.

Tak lupa juga, Bareksa mengenakan biaya pembelian dan/atau penjualan bagi beberapa produk yang memang populer. Hal ini sebenarnya wajar, karena agen-agen penjual reksadana lainnya juga ada yang mengenakan biaya pembelian. Namun bagi pemula, biaya pembelian ini tentu menimbulkan kesan negatif: masa belum dapat untung sudah dipungut biaya?

Apabila menurut anda Bibit terlalu kekanak-kanakan, mungkin anda lebih baik investasi di Bareksa.

Bukareksa by Bukalapak
Bukareksa by Bukalapak

Bukareksa ini merupakan kerjasama Bukalapak dan Bareksa, sehingga produk yang dijual adalah hasil seleksi dari yang ditawarkan Bareksa. Pilihan produk di Bukareksa jauh lebih sedikit daripada Bareksa yang asli, dan agak lebih sedikit daripada Bibit. Kebanyakan investasi reksadana saya berada di Bukareksa, karena Bukareksa sangat agresif dalam memberikan promosi seperti cashback atau bonus nilai penyertaan. Menurut perhitungan saya, bonus-bonus tersebut membuat performa produk yang saya beli menjadi lebih baik daripada aslinya (intrinsic value over paper value) karena saya menerima ‘retur’ dimuka ketimbang dibelakang.

Bukareksa memiliki kelebihan dahsyat, yaitu tidak adanya biaya pembelian dan penjualan untuk semua produk yang mereka jual, meskipun produk yang sama tersebut dikenakan biaya pembelian apabila anda membelinya di platform Bareksa yang asli. Dulu memang Bukareksa hanya menjual produk-produk yang ‘kurang laku’ di Bareksa (yang tidak dikenakan biaya pembelian). Namun sekarang, produk-produk ‘eksis’ yang harusnya dikenakan biaya pembelian mulai ditawarkan tanpa dikenakan biaya pembelian.

Bukareksa cocok bila anda mau belajar memilih produk reksadana sendiri, karena justru pilihannya yang cukup sempit membuat anda tidak pusing membandingkan terlalu banyak produk.

moinves
Moinves

Moinves adalah usaha dari Mandiri Sekuritas untuk membuat produk mereka lebih dilirik oleh kaum millenial. Namun mereka tidak sungguh sungguh dalam membuat Moinves. Moinves memiliki pilihan produk yang sangat sempit. Semua produk yang ditawarkan merupakan hasil pengelolaan Mandiri Sekuritas. Metode pembayaran yang diterima hanya bank transfer melalui verifikasi manual (bukan virtual account) yang jelas-jelas sangat primitif.

Moinves menyediakan switching (tukar produk) tanpa biaya namun anehnya switching hanya bisa dilakukan antar produk tertentu, dan tidak dijelaskan apa saja yang bisa dilakukan switching sehingga sangat memusingkan.

Moinves sebenarnya menerapkan analisa yang mirip dengan Bibit dimana mereka menyajikan laporan tentang alokasi ideal yang harus dicapai, namun tidak ada bantuan kecerdasan buatan untuk memilih produk apa yang harus dibeli.

Saya masih memiliki investasi di Moinves karena mereka kerap memberikan bonus investasi yang cukup menarik, meskipun dibatasi kuota. Saya tidak merekomendasikan Moinves kecuali anda fanatik terhadap Mandiri Sekuritas atau fanatik promosi seperti saya.

ajaib
Ajaib

Ajaib memiliki konsep yang mirip dengan Bibit dimana terdapat pilihan investasi ‘otomatis’ yang menyebarkan uang anda ke berbagai produk sesuai dengan target investasi anda. Meskipun harusnya Ajaib unggul dalam hal personalisasi, kenyataannya sistem rekomendasi Ajaib tidak berjalan dengan baik sehingga memberikan rekomendasi standar yang kalah keren dengan Bibit.

Tampilan antarmuka Ajaib juga sederhana dan mudah digunakan pemula, namun tidak serapi Bibit. Ajaib terlalu sederhana untuk investor berpengalaman namun lebih mudah digunakan untuk pemula daripada Bibit.

Ketersediaan produk sedikit juga seperti Bibit, namun beberapa memiliki track record yang lebih baik daripada apa yang tersedia di Bibit.

Untuk membaca review mendetail Ajaib, klik disini.

Apabila anda tertarik menggunakan Ajaib, gunakan kode referral ini untuk mendapatkan bonus –> asia625

ipotgo
Ipotgo

Perbandingan IpotGo segera menyusul, karena adik saya yang menggunakan IpotGo, sehingga saya perlu ngobrol dengan dia dan meminjam HP nya untuk melakukan penilaian terhadap IpotGo.

Adrian Siaril
Adrian Siaril

The boss

Articles: 588

369 Comments

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  1. Sekarang mah mau investasi mudah sekali. Internet memang memudahkan segala hal. Dulu, mmmm, banyak kertas yang kemakan. Sekarang dari rumah bisaa! Btw, udah ada akun di Bareksa sama Bibit. Tapi belum ada kepikiran buat masukkin dana ke reksadana. Percaya sama diri sendiri: saham.

    Salam kenal,

    A. Susanto

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  5. siang mas, mau nanya. apa mas ada review tentang tanamduit? saya masih proses pilih-pilih aplikasi dulu yang kira-kira cocok dengan tujuan dan risiko investasi saya. thanks.

    • Halo kaka Yiyi. Tanamduit belum pernah saya gunakan sih jadi belum bisa review. Namun demikian saya beli reksadana dari Bukalapak, dan Bukalapak itu sebenarnya kerjasama dengan Tanamduit. Jadi kalau ditanya apakah Tanamduit terpercaya? Tentu jawabannya iya. Namun bila dibandingkan dengan kompetitor lainnya saya belum bisa jawab.

  6. Saya sedang senang-senangnya mengelola portofolio saya di Bibit. Bibit memiliki tampilan aplikasi yang sederhana dan sangat nyaman untuk digunakan. Sudah sangat modern lah pokoknya.

    Apalagi untuk membeli reksadana di Bibit juga dipermudah, tersedia 3 pilihan pembayaran. Yaitu menggunakan Gopay, virtual account Bank Pertama, dan transfer manual. Saya biasanya pakai virtual account, tidak perlu konfirmasi transfer karena langsung otomatis terkonfirmasi.

    Kadang-kadang saya juga beli pakai Gopay, ini juga akan otomatis terkonfirmasi. Ga perlu lagi kirim-kirim bukti transfer ke admin mereka. Untuk transfer manual, saya belum pernah melakukannya.

    Dan yang paling menarik dari Bibit adalah fitur Robo Advisornya. Fitur ini memungkinkan kita untuk membeli reksadana secara otomatis dengan pembagian 3 jenis reksadana yang berbeda. Pembagian ini akan disesuaikan dengan profil resiko yang kita pilih. Seru deh pokoknya.

    Saya juga menemukan promo kode untuk semua user baik user baru ataupun lama : ucleiaf

    Anda akan mendapatkan cashback Rp 50.000 setiap anda berinvestasi, dan semoga kode voucher ini masih berlaku saat anda memakainya.

  7. maaf di aplikasi bibit saya kok hanya ada metode pembayaran manual saja. padahal saya bisanya pake gopay saja. ini bagaimana? mohon bantuannya.

  8. Aplikasi Bibit sangat Bagus, dapat cashback Rp. 50.000 dari Bibit Reksadana pake *Kode* *Referralnya* yg terbaru #ucleiaf (tanpa tanda pagar) ? yuk mulai nabung rutin di aplikasi Bibit Reksadana

  9. Terimakasih atas perbandingan Bibit dengan Ajaib, Bareksa, dan APERD lainnya. Sungguh membantu menemukan kelebihan dan kekurangan Bibit dibandingkan Invisee, Fundtastic, dan juga Ajaib. Saya juga sudah pakai kode referral bibit ucleiaf

  10. Halo Mas, mau tanya kenapa di Bibit tidak ada reksadana pendapatan tetap dan campuran seperti di platform lain (BukaReksa, Tanamduit), apa karena masih tergolong baru sehingga butuh waktu menambah variasi produk di Bibit? Dari semua platform, Bibit tampilannya paling simpel dan oke, gak ribet

    • Ada lho bro. Untuk RDPT itu beda istilah saja, di Bibit mereka sebutnya reksadana obligasi, sedangkan reksadana campuran itu di Bibit agak disembunyikan, harus pilih “Reksadana Lainnya” nanti dia muncul. Saya rasa ini supaya ga membingungkan pemula sih, jadi hanya ada 3 yaitu low, medium, high risk. Reksadana campuran karena komposisi fleksibel maka risk profilenya beda-beda dan terus berubah tergantung manajer investasinya

      • oh, ternyata hanya beda istilah saja. Awalnya saya mengira kenapa yang ada reksadana obligasi, bukannya RDPT. Saya setuju untuk pemula, klasifikasi dalam 3 tingkat resiko sudah cukup oke dan tidak membingungkan. Semoga Bibit bisa berkembang lebih baik lagi ke depannya

  11. Hei you! mau Cashback *”TERBAIK”* Reksadana dari Bibit? masukkan aja kode referral ” *ucleiaf* ” saat kamu memulai Investasi! **minimal invest 100rb yaa ?
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  12. Hi kak, saya mau nanya mengenai management fee reksadana di aplikasi bibit. Apakah expense ratio sama dgn management fee? Karena pas saya cek di fund sheet terdapat perbedaan persentase. Lalu, apakah fee tersebut akan dipotong secara otomatis dari portfolio saya setiap tahun? Terima kasih sblmnya

    • Beda. Management fee itu komisi MI, kalau expense rasio itu biaya total dibanding NAV.

      Pemotongan ga akan kita rasakan karena diperhitungkan dalam kenaikan NAV, bukan dalam bentuk potongan saldo

  13. Masukkan kode referral terbaru ucleiaf pada aplikasi Bibit untuk mendapatkan gratis reksadana sebesar Rp 25.000 dari Bibit

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