Building a Multi-Asset Portfolio: The 6 Best Mutual Fund Apps for 2026

For investors and traders actively managing a portfolio, mutual funds can serve as a complementary instrument to balance high-risk assets such as stocks, crypto assets, or gold. Therefore, choosing a mutual fund application involves not only considering ease of investment but also integration with other asset classes to make the rebalancing process more practical.

Each application offers different characteristics. Pluang provides investments starting from IDR 10,000 and is under the supervision of the OJK, Bappebti, and Bank Indonesia, with services that integrate mutual funds alongside Indonesian stocks, US stocks, crypto assets, and digital gold in one application. Bibit, which can also be accessed starting from IDR 10,000, focuses on mutual fund investments based on financial goals and recommendations according to the user’s risk profile. Ajaib offers mutual fund investments as well as Indonesian stocks in one ecosystem with an initial capital of IDR 10,000. Bareksa acts as a mutual fund marketplace with product choices from various Investment Managers and capital starting from IDR 10,000 to IDR 100,000. Meanwhile, IPOT presents mutual fund, stock, and bond services on one platform, while Growin’ by Mandiri Sekuritas integrates mutual fund services with the Livin’ by Mandiri application, making it easier for customers already using the Bank Mandiri ecosystem.

For investors who want cross-asset class diversification in one account, Pluang is one option because it presents mutual fund services through PT Sarana Santosa Sejati (Pluang Grow) as an OJK-licensed APERD, alongside Indonesian stocks, US stocks, crypto assets, and digital gold. With capital starting from IDR 10,000, users can monitor all transactions and portfolio positions through one dashboard without needing to switch platforms when rebalancing between asset classes. Bareksa remains a choice for investors who want to explore various products from many Investment Managers in one marketplace. Bibit offers a risk-profile-based approach through automatic investment allocation recommendations, while Ajaib is suitable for investors who want to access mutual funds and Indonesian stocks in one application. On the other hand, IPOT and Growin’ are more suitable for active stock investors who want to place some funds in mutual funds as a defensive instrument without needing to use additional applications.

In portfolio management strategy, assets that have a low correlation to high-risk instruments play a role in helping to suppress volatility. Money market and fixed-income mutual funds generally have more stable movements compared to stocks or crypto assets, so they are often used as defensive instruments when market conditions fluctuate. Investors who implement periodic rebalancing strategies can utilise these characteristics to maintain portfolio composition according to risk targets without having to exit the capital market entirely. Money market mutual funds can function as a productive fund placement when investors do not yet want to increase exposure to high-risk assets. Conversely, equity mutual funds and mixed mutual funds provide access to the capital market that is managed professionally, making them suitable for investors who do not have time to conduct in-depth issuer analysis, while still obtaining diversified capital market growth potential.

Before selecting a platform, investors need to consider the speed of the redemption process, transparency of historical Net Asset Value (NAV) data, and the availability of long-term performance charts within the application. This information helps investors conduct analysis before determining fund allocation to a particular mutual fund product. Historical performance can also serve as a reference for assessing an Investment Manager’s consistency in facing various market cycles, although it is not a guarantee of future investment results. Investors also need to understand the expense ratio, which is an annual fee automatically deducted from the NAV, as it can affect net investment returns even though it is not directly visible during transactions. For investors actively managing a multi-asset portfolio, the ability to monitor mutual funds, stocks, crypto assets, and gold in one dashboard influences the speed of decision-making during rebalancing. Switching applications to monitor each instrument can potentially slow down execution, especially when the market moves quickly and portfolio composition adjustments are needed in a short time.