Growin’ Connects Livin’ Customers with Digital Stock Investing
Swan.my.id - Jakarta, Mandiri Sekuritas highlights stock investment through Growin’ by Mandiri, which can be accessed by Livin’ by Mandiri customers through the Investment menu.
The offering comes as interest rates decline and inflation continues to affect household purchasing power. Bank Indonesia had lowered its benchmark interest rate by 125 basis points from December 2024 to November 2025, bringing it to 4.75%.
Mandiri Sekuritas said the changing economic environment makes careful financial planning increasingly important. Investors are encouraged to understand their risk profile, use surplus funds, and study the market before investing.
Stock Investment Through Growin’ Amid Changing Rates
Data cited by Mandiri Sekuritas shows that the number of capital market investors reached 19.1 million Single Investor Identifications (SID). The figure represented an addition of 4.3 million new investors, or growth of 58.4% compared with 2024.
Most of the increase came from investors under 40, particularly Millennials and Gen Z. The company also referred to 2024 Financial Services Authority data, which showed that 79% of SID holders were under 40 years old.
Mandiri Sekuritas noted that people aged 30 and above often manage larger financial responsibilities. These may include family needs, housing loans, education savings, and the demands associated with the sandwich generation. Such responsibilities can make them more cautious about beginning investments.
At the same time, the Indonesia Stock Exchange Composite Index, or IHSG, had moved above 8,500 after rising 42% from its low of 5,968 on April 9, 2025. Mandiri Sekuritas said the index was projected to continue rising through the end of 2025.
How Livin’ Customers Can Access Growin’
Livin’ by Mandiri customers can start by opening the Investment menu and selecting Growin’ by Mandiri Sekuritas. The process is digital, including the opening of a securities account, known as an RDN, through Livin’ and the required verification steps.
Once registered as a Growin’ customer, investors can also explore other capital market instruments, including mutual funds and bonds. These products are available through the Growin’ application, which can be downloaded from the App Store or Play Store, or through growin.id without downloading the application.
Growin’ also includes DIMA, or Digital Interactive Mandiri Sekuritas Assistant. The AI-based investment assistant is integrated with Mandiri Sekuritas’ research and database. It is designed to provide insights for both beginner and professional investors.
Key Considerations Before Investing
Mandiri Sekuritas emphasized that stock investing should not be treated as speculation. Investors need to understand the companies they are considering through appropriate fundamental and technical analysis.
- Identify whether your risk profile is conservative, moderate, or aggressive.
- Start with surplus funds and a small amount to remain comfortable when prices decline.
- Study selected stocks carefully and discuss investment ideas with fellow investors.
- Maintain discipline when applying an investment strategy and reviewing its objectives.
- Invest regularly to improve market understanding and strengthen familiarity with company performance.
Regular investing can help investors become more familiar with market movements and the performance of listed companies. However, every investment decision still requires careful consideration of financial goals and risk tolerance.
What the Digital Access Means for Investors
The integration between Livin’ by Mandiri and Growin’ provides an additional digital route for customers interested in the capital market. Customers can begin from an existing banking application before continuing through Growin’ services.
With access to stocks, mutual funds, bonds, research, and DIMA in the same ecosystem, investors have several tools to support their decision-making. Nevertheless, learning and discipline remain important parts of the investment process.
Mandiri Sekuritas is licensed as a securities broker and underwriter. The company is also licensed and supervised by the Financial Services Authority.
