Set Aside Holiday Allowance Funds for Investment, Make It a Momentum to Realise Your Dreams
With the upcoming celebration of Idul Fitri 1447 H, Bibit.id, Indonesia’s leading digital investment application, is once again encouraging the public to give more meaningful consideration to the year-end holiday allowance (THR). Amidst the common habit of treating THR as “found money” that quickly disappears for immediate consumption needs, Bibit emphasises that setting aside a portion of the allowance can be the first step towards a more stable and planned financial future.
William, Head of PR & Corporate Communication at Bibit.id, stated that receiving THR presents an opportune moment to begin investing without waiting for the perfect circumstances. “THR is additional income that arrives once a year. If we set aside part of it for investment, the impact can be significant in the long term,” he explained.
Investment products such as mutual funds, shares, and fixed-rate (FR) government bonds can help the public invest according to their individual risk profiles. Fixed-rate bonds have become particularly popular, offering competitive returns whilst being 100% guaranteed by the government and carrying lower tax liabilities compared to conventional deposits. This means investors can potentially achieve optimal returns with high safety levels.
“We want to ensure THR is not merely spent on shopping, but also becomes productive capital. With FR bonds, money can work harder for us,” William added.
For those wishing to invest in accordance with Islamic principles during Ramadan, Bibit also provides various Shariah-compliant mutual fund options with affordable minimum investments starting from 10,000 rupiah. Even with modest sums, anyone can begin building consistent investment habits.
To help investors remain disciplined, Bibit continues to promote the Systematic Investment Plan (SIP) strategy, which combines the power of compound interest and Dollar Cost Averaging (DCA). Through the auto-debit feature integrated with RDN Wallet, GoPay, and Bank Jago, users can automatically set aside funds, including from their THR, for long-term goals such as children’s education funds, wedding expenses, and retirement. It is convenient, hassle-free, and helps maintain commitment.
Throughout 2025, Bibit demonstrated solid performance. The application attracted two million new investors—a 37% increase compared to the previous year—and now manages over 1.7 million investment portfolios. Some 38,000 financial goals were successfully achieved, continuing the positive trend from the previous year when more than 32,000 investor goals were realised. Investor growth among those under 30 years old increased by 24%, whilst those over 30 grew by 11%. Additionally, nearly 1.2 million investors successfully realised gains throughout 2025.
Public confidence in Bibit is reflected in the award for Most Favourite Investment Application Product at the 2025 Indonesian Product Excellence Awards, as well as a record achievement from the Indonesian World Records Museum (MURI) for the highest number of civil service accounts opened in the capital markets. William hopes the public can celebrate the festive season with joy while not forgetting their financial future.
“We want this Idul Fitri to not only be about sharing and strengthening bonds, but also about starting good habits for financial wellbeing. With the right investment knowledge, THR can be the beginning of a journey towards larger financial goals in 1447 H. Because ultimately, celebrating true victory is not just about today, but also about ensuring tomorrow remains full of hope.”