KayaSmart+ is an AI-based automatic allocation feature available for free on the Kaya App. However, to be able to diversify according to KayaSmart+ recommendations optimally, you must meet the minimum purchase requirements for the mutual fund product you choose.

If your purchase is below IDR15,000,000.00 (fifteen million rupiah), then Kaya recommends that you buy a product with a minimum purchase of IDR10,000.00 (ten thousand rupiah) to facilitate the switching process in the future.