Purbaya Delivers Message to Gen Z on Stock Investing: Don't Do This!
Jakarta, CNBC Indonesia - Finance Minister Purbaya Yudhi Sadewa has delivered a special message to Generation Z (Gen Z), the demographic born between 1997 and 2012, advising them not to rush recklessly into stock investing.
According to him, this message is important because around 57% of domestic capital market investors are from the Gen Z group, out of a total of approximately 20.36 million retail investors.
“Gen Z are usually know-it-alls, just like me. Play, play, play,” said Purbaya at the Inauguration of the Planned and Periodic Investment Programme (PINTAR) for Mutual Funds and the Opening of Mutual Funds Week 2026, at the Indonesia Stock Exchange (BEI), on Monday (27/4/2026).
According to Purbaya, to enter the stock market, Gen Z investors should come equipped with solid investment knowledge. If they lack the knowledge, there is an option to protect their capital from erosion through fund managers such as mutual funds.
“It’s fine if you’re equipped with sufficient knowledge. But if not, just let the experts handle it; you learn how the experts work,” said Purbaya.
Once they have sufficient knowledge to navigate the capital markets, Purbaya emphasised that young investors can invest without needing fund managers. Because, he said, investment success cannot be achieved without knowledge.
“If you feel you’re better, then go ahead; invest directly in the stock market. So the point for young investors to succeed in investing is not automatic just because you enter the stock market and become an expert. First learn the knowledge, then you can profit higher than the professionals in the capital markets,” Purbaya stressed.
“This is if you’re really good, but if not, just follow along while learning,” he added.
The Financial Services Authority (OJK) also has a special programme to guide young investors into the capital markets safely, namely through the Planned and Periodic Investment Programme (PINTAR) for Mutual Funds.
The PINTAR Mutual Funds programme, he said, is designed to help the public invest in mutual funds gradually, regularly, and sustainably. Through a periodic investment approach, investors can set aside a fixed amount of funds over a certain period.
“Investing always carries risks. As they say, high risk-high gain, no risk-no gain, low risk-low gain. There’s always that. If you save in a bank, that’s not considered investing. Because it’s safe, the risk stays with the bank,” he stated.
“So you need to understand, friends in the young generation or housewives who don’t know the stock market or capital markets. There are experts managing it in the capital markets. They’re quite good. There are risks, but usually more measured. The PINTAR programme is the answer to the risks in traditional mutual funds,” Purbaya explained.