Get To Know More About Deposit Investment Profits

JAKARTA - In the midst of uncertain economic conditions, finding safe investment instruments is the choice of many people. One of the options that is often recommended is deposits. This instrument is popular because of its low risk and stable profit. If you want to secure funds without high risk, investing in deposits can be the right solution.

The deposit work system is also simple, you can simply save money for a certain period of time and get higher interest rates than ordinary savings. Due to its guaranteed nature and minimal risk, deposits are often chosen for those who want to invest without being complicated. In addition, many banks offer various tenor choices, so you can adapt to your financial needs.

Many still think that deposits are the same as savings, even though both have basic differences. Savings can be taken at any time, while deposits have a certain period of time before they can be disbursed. In addition, there are several other factors that distinguish deposits from ordinary savings.

1. Bound Time Term

Deposits have a certain period of time, ranging from one month, three months, six months, to one year or more. During that period, the funds you save cannot be taken carelessly because they can cause penalties.

2. Higher Interest

Compared to ordinary savings, deposit interest is much higher. This is because funds stored in deposits cannot be withdrawn at any time, so banks can allocate them for other purposes, such as credit or investment.

3. No Transaction Facility

If savings can be used for daily transactions, such as transfers or payments, deposits do not have this feature. Funds in deposits can only be disbursed after maturity or by paying a penalty if withdrawn early.

4. Support of Deposit Insurance Corporations (LPS)

One of the advantages of depositing is that funds are guaranteed to be safe by LPS. This makes deposit investments safer than storing money in other instruments that do not have collateral.

Not only safe, deposits also offer various benefits that can make you more confident in investing.

1. Higher Interests Than Ordinary Savings

Compared to regular savings, deposit interest rates are much more competitive. This allows you to get a bigger profit from interest proceeds without having to worry about market fluctuations.

For example, the average savings interest average is only around 0.5-1 percent per year, while deposit interest rates can reach 3-6 percent depending on the bank and the tenor chosen. High interest from deposits allows the money you save to grow faster than if it is only stored in an ordinary savings account.

In addition, deposit interest rates usually stay during the storage period, so you can estimate the amount of profit that will be obtained from the start. This is very helpful in long-term financial planning.

2. Passive Income

One of the reasons why many people choose deposits is their ability to generate passive income. You only need to deposit funds into deposits, then sit quietly waiting for the interest bank gives each month or when it comes to maturity.

Through the right strategy, such as opening several deposits with different tenors (laddering), you can create a regular income flow without having to work extra. This is suitable for those of you who want to invest without having to bother managing or monitoring the market at all times.

3. Low Risk

In the investment world, there are basic principles: the higher the expected profit, the greater the risk. However, deposit investment offers a good balance between profit and security.

The risk in deposits is very low because your funds are guaranteed by LPS to a certain nominal (currently around Rp. 2 billion per bank account). This means that as long as you put money in guaranteed limits, the possibility of losing funds is very small, even if an economic crisis occurs or the bank experiences problems.

4. Flexible Select Time Term

One of the advantages of deposits compared to other investments is the flexibility in choosing a tenor. You can choose the timeframe according to your needs, starting from one month, three months, six months, one year, or even longer.

If you want high liquidity, deposits with short tenors can be an option, while if you want a bigger profit, the long tenor usually offers higher interest rates. This flexibility allows you to adjust your investment strategy according to your personal financial plan.

5. Ease in Management and Access

Although deposits have stricter disbursement rules than savings, management remains easy. When it matures, you can choose to disburse funds or extend automatic (automatic rollover) without the need to come to the bank. In addition, many banks now provide online deposit services, where you can open, manage, and disburse deposits only through applications or internet banking. All these conveniences make deposit investments more practical without the need for many complicated procedures.

6. Fixed Interest

Different from other investment instruments such as stocks or mutual funds whose profits can go up and down, deposits offer a fixed interest rate. This means that from the start you already know how much profit you will get when it matures.

This fixed interest provides certainty for investors who prioritize financial stability. So, if you don't want to bother with the risk of market fluctuations and want predictable investment results, deposits are the right choice.

7. Not Affected By Market Fluctuations

One of the biggest advantages of deposits compared to other investments such as stocks or bonds is its resilience to market fluctuations.

Saat pasar saham mengalami penurunan atau nilai tukar mata uang geram, dana dalam depositasi tetap aman dan terus menghasilkan bunga sesuai kesepakatan awal. Hal ini menjadi depositasi pilihan tepat bagi Anda yang mencari instrumen investasi minimal risiko dan stabil dalam segala kondisi ekonomi.

The many benefits offered, deposits can be the right choice to secure and develop funds without great risk. The process is also easier with digital technology, where you can start investing in deposits practically in just a matter of minutes. Now, you can enjoy competitive interest rates and tenor flexibility as needed, without the hassle of coming to the bank.

More than just investment, the digibank by DBS application presents a financial ecosystem that supports your financial management more optimally. Through guidelines from advisors, financial education classes, and notifications that help with financial decisions, you can be more confident in developing assets.

Tak hanya itu, akses investasi 24-7 melalui aplikasi memungkinkanmu menangkap momentum saja, serta memanfaatkan jaringan luas DBS di seluruh Asia untuk mengembangkan bisnis dan investasi lebih jauh.

Start depositing on the digibank by DBS application with a light capital, only IDR 1 million! Get competitive interest of up to 5 percent p.a. and select a flexible tenor starting from 1, 3, 6, 9, to 12 months as needed. With full access through the application, you can manage deposits at any time without time limit. Plus, all your funds are guaranteed by the Deposit Insurance Corporation (LPS), ensuring investment security under all conditions.

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