Three Ways To Maximize THR Ala Bibit.id

JAKARTA - Like previous years, the celebration of Eid al-Fitr in 2025 was colored by the flow of homecoming, meetings with family and relatives in their hometowns, and what is always awaited: Holiday Allowance (THR) from the office where we work.

Many Indonesians view THR as 'fuget money' and are often immediately spent for various purposes. In fact, the momentum of THR acceptance is the right time to invest and plan a better future for finance. Bibit.id, the leading digital investment application in Indonesia, has an investment solution that fits the risk profile and diverse investor financial goals.

First, in terms of products that are investment options, PR & Corporate Communication Lead Bibit.id, William, said that Bibit is a very popular platform for investing in mutual funds, stocks, Government Securities (SBN), and Fixed Rate State Bonds (FR). Especially for today until April 16, 2025, investors can invest in the S014 Series Savings Sukuk.

ST014 comes in two types of products, namely ST014-T2 with a two-year tenor and a minimum coupon of 6.50 percent per year and ST014-T4 with a four-year tenor and a minimum coupon of 6.60 percent per year. ST014 is an investment product that has the characteristics of floating with floor.

This means that Bank Indonesia's benchmark interest rate increases, ST014 yields will also increase, but if Bank Indonesia's benchmark interest rate drops, ST014 yields will not decrease and will remain at the minimum coupon limit, which is 6.50 percent for ST014-T2 and 6.60 percent for ST014-T4.

This ST014 product is 100 percent principal payment and the returns are guaranteed by law, in contrast to deposits that are only guaranteed by the Deposit Insurance Corporation (LPS) of a maximum of IDR 2 billion per customer per bank. That too is only for deposits with a maximum interest rate of 4.25 percent per year. In terms of taxes, compared to deposits subject to 20 percent tax, the tax imposed on ST014 is only 10 percent so that it can be a profitable investment option, "explained William.

Second, in the momentum of Ramadan, it is possible that some Indonesians want to get to know more deeply and start investing in Syariah products. Related to this, Bibit provides various and interesting Syariah products. In terms of products, 30 percent of mutual fund products in Bibit are Syariah products. ST014 is also a sharia product that can be purchased directly in Bibit.

"Especially regarding Islamic investment, the high interest of investors is reflected in more than 50 percent of Bibit users who have Syariah investment products in their investment portfolio. To invest in Bibit, it can start at IDR 100,000, even IDR 10,000," William said.

Third, Bibit also popularizes an investment strategy called Systematic Investment Plan (SIP), which is basically a combination of the power of compounding and Dollar Cost Averaging strategy. SIP requires investors to deposit money into mutual funds in the same amount, scheduled, and in a time horizon that has been adjusted to their financial goals. For example, if investors want to raise their children's education funds within the next 15 years, the SIP strategy is very suitable to help them invest in discipline, ease, flexibility, and in diversified portfolios.

Bibit makes it easier for SIP to do because it allows every investor to invest mutual funds automatically. Bibit provides an Autodebit payment method that allows Bibit to reduce investor account balance automatically for mutual fund investment.

The choice of payment methods is also quite diverse, for example with RDN Wallet, GoPay, and Bank Jago. With a few clicks, investors only need to create an investment portfolio, choose the mutual fund product they want, fill in the investment value to be achieved, arrange routine investment schedules and choose payment methods.

"With the correct knowledge about investment, Bibit hopes that the Indonesian people can welcome Victory Day happily with loved ones while not forgetting to continue investing in order to realize noble financial goals such as worshiping the Holy Land, buying a dream house, preparing pension funds, and so on," concluded William.