Review MAKMUR – Pendatang Baru Jualan Reksadana
Saya tahu aplikasi baru bernama Makmur ini dari seorang affiliator marketing yang mempromosikan aplikasi ini karena sedang banyak sekali promonya. Setelah saya mencoba daftar sendiri, ternyata benar apa yang ia katakan – aplikasi beli reksadana ini sedang gencar-gencarnya bakar duit karena masih baru, mungkin sebagai upaya bersaing dengan pemimpin pangsa pasar seperti Bibit dan Ajaib.
Mari simak review MAKMUR oleh Adrian Siaril untuk mengetahui kelebihan dan kekurangannya, serta perbandingannya dengan aplikasi serupa seperti Bukareksa, Pluang, dan Fundtastic.
Apabila tertarik mendaftar MAKMUR, pastikan menggunakan kode referral MAKMUR saya 5UVNR3 untuk mendapatkan saldo gratis. Anda juga mendukung keberlangsungan blog ini – terima kasih banyak!
Kesimpulan Singkat
Berikut adalah kesimpulan review MAKMUR bagi anda yang kekurangan waktu untuk membaca sampai bawah:
Industri reksadana online sebenarnya sudah cukup ramai dan kita tidak membutuhkan pemain baru lagi yang tidak menawarkan preposisi unik. Kendati demikian, MAKMUR menurut saya menjadi pemain baru yang cukup menarik untuk dicoba karena satu alasan – banyaknya promosi yang memberikan kita cuan ekstra dan semangat untuk menabung lebih.
Seperti yang sudah saya bahas sebelumnya, tidak ada ruginya menggunakan beberapa APERD (agen penjual reksadana) secara sekaligus, karena tidak ada yang mengenakan biaya langganan dan biaya apapun kepada kita. Jadi, silakan pakai APERD sebanyak-banyaknya untuk mengincar promo sebanyak mungkin.
Kelebihan Makmur:
- Desain aplikasi yang segar dan menyenangkan untuk digunakan – tampilan antarmuka modern
- Menyediakan fitur bernama Makmur Pro yang membantu pemula agar tidak perlu memilih produk sendiri
- Menggunakan klasifikasi unik untuk produk mereka: saya paling suka mereka menyediakan filter untuk memilih reksadana dengan dividen!
- Penawaran produk cukup luas dan bervariasi meskipun merupakan pemain baru
- Banyak menyediakan promo
- Menerima banyuak metode pembayaran seperti Ewallet maupun virtual account
Kekurangan Makmur
- Makmur Pro merupakan tiruan fitur robo dari Bibit, dan bagi orang yang paham investasi seperti saya, sebenarnya kurang berguna
- Beberapa promo yang ditawarkan sifatnya tidak pasti. Maksudnya adalah, kita tidak benar-benar tahu apakah kita akan mendapatkan bonus yang dijanjikan atau tidak. Ini merupakan kritik utama saya kepada Bareksa, dan sayangnya Makmur mengulangi kesalahan yang sama.
Siapa Pihak Dibalik Makmur?
Saya memprediksi bahwa Makmur merupakan produk ‘spinoff’ atau anak perusahaan dari APERD atau MI yang sudah sesepuh di Indonesia, tapi ternyata saya salah. MAKMUR tidak terlalu membanggakan latar belakang perusahaan mereka karena memang merupakan perusahaan baru rintisan anak muda bernama Sander Parawira dan Edrick Soetanto. Apabila anda memprediksi bahwa salah satu dari mereka adalah mantan APERD lain, maka anda benar sekali! Edrick Soetanto merupakan salah satu pendiri Ajaib.
Meskipun baru, namun startup ini sudah disuntik dana oleh nama-nama besar seperti Beenxt, Kinesys group, dan Trihill capital.
Galeri Screenshot
Apabila tertarik mendaftar MAKMUR, pastikan menggunakan kode referral MAKMUR saya 5UVNR3 untuk mendapatkan saldo gratis. Anda juga mendukung keberlangsungan blog ini – terima kasih banyak!
Perbandingan Makmur dengan Pesaing
Bibit
Bibit sedari dulu merupakan pemimpin pangsa pasar reksadana, dan dengan statusnya yang baru saja menjadi unicorn, rasanya Makmur belum bisa mengalahkan Bibit dari aspek apapun, karena Bibit pun masih rajin memberikan promo, memiliki komunitas super besar, dan pelayanan yang sangat baik ke semua penggunanya.
Ajaib
Ajaib merupakan pemimpin pangsa pasar kedua setelah Bibit, dan justru mulai sukses sejak menjadi broker saham. Reksadana sepertinya tidak lagi menjadi fokus utama Ajaib, jadi Makmur bisa dibilang sedikit lebih baik jika hanya dibandingkan produk reksadananya saja. Namun bila anda berinvestasi reksadana dan saham bersamaan, Ajaib merupakan yang terbaik.
Bukareksa
Bukareksa dulu merupakan yang paling banyak dan rajin memberikan promo, namun makin lama kuota yang disediakan semakin sedikit dan sulit didapatkan. Saya juga menilai bahwa grup Bukalapak mulai fokus mengembangkan produk Bmoney yang didekasikan untuk jualan reksadana ketimbang Bukareksa.
BMoney
Bmoney adalah aplikasi grup Bukalapak yang berdiri sendiri untuk menjual reksadana, sehingga fiturnya dan jenis produknya jauh lebih banyak dari Bukareksa. Promo yang disediakan juga sedikit lebih banyak. Bmoney kalah dari segi tampilan dan variasi produk, dan saya menilai Makmur lebih unggul dari banyak aspek.
Tokopedia Reksadana
Tokopedia sedari dulu tidak terlalu serius jualan reksadana, dan setelah sekian lama baru akhirnya menambah penawaran jenis produk reksadana mereka (dulu hanya ada reksadana pasar uang saja). Jadi, saya rasa tidak perlu dibandingkan dengan Makmur – Tokopedia Reksadana selalu kalah dengan seluruh pemain lainnya, dan bahkan promosi pun jarang diberikan disini. Tokopedia Reksadana hanya cocok untuk orang yang iseng-iseng dan pengganti deposito saja, karena sifatnya yang bisa dicarikan kapan saja.
Pluang
Pluang sebenarnya merupakan aplikasi investasi yang sangat lengkap dan penuh fitur, namun saya kurang suka karena menggabungkan reksadana dengan instrumen investasi tinggi risiko seperti futures dan cryptocurrency. Apabila anda memang suka mendiversifikasikan aset ke banyak jenis investasi, maka Pluang jelas lebih unggul. Namun penawaran reksadana di Pluang masih terbatas.
Bareksa
Bareksa adalah APERD paling tua dan sesepuh di Indonesia, jadi fitur dan penawaran produknya tidak perlu diragukan lagi – tidak ada yang bisa mengalahkan. Namun, dari segi kemudahan penggunaan cukup rumit sehingga kurang cocok untuk pemula.
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