JAKARTA - The year 2022 is a new milestone in the issuance of Retail State Securities (SBN). It started with the issuance of ORI021 in early 2022 which managed to break the record for the largest number of total investors since the issuance of retail SBN online, then continued with the issuance of Retail Sukuk SR016 which was also greeted with no less enthusiasm.
The government has now released the Retail Savings Bond (SBR) series SBR011 with an offering period of 25 May-16 June 2022. SBR011 is offered with a coupon of 5.50 percent per year with a floating yield with a floor and a maturity of two years.
According to Bibit.id's PR & Corporate Communication Lead, William, SBR011 can be an alternative for Indonesian people who want to develop their funds and have passive income. With a floating yield with floor, it means that the yield on SBR011 will be adjusted to the interest rate.
If the BI benchmark interest rate rises, the yield on SBR011 will also increase. But there's no need to worry, if BI's benchmark interest rate drops, the minimum yield is 5.50 percent per year, no less than that.
With the United States Fed interest rates rising and inflation high, Bank Indonesia is preparing to increase its benchmark interest rate. It can be said that SBR011 which has a yield of 5.50 percent per year floating with a floor is the right investment choice at the moment of rising interest rates later.
"SBR011 is the right choice for investors who want to have passive income with yields exceeding the average interest rate on state-owned bank deposits and the yields are very profitable in the current era of rising interest rates. In addition, because it is 100 percent guaranteed by the state, invest in SBR011 It is definitely safe, provides a sense of calm for all investors, and provides the opportunity for the public to directly support the country's economy," William said in his statement, Wednesday, May 25.
Another reason why investing in SBN is quite profitable is because unlike the return on deposits, which are subject to a 20 percent tax, the tax imposed on the SBN yield is only 10 percent. Therefore, people who are planning to invest are encouraged to look at SBR011.
Because, in addition to profitable returns by following the increase in interest rates, later SBN investors with a minimum investment of IDR 2 million can also make early redemptions by 50 percent after one year.
William added, Bibit is a mutual fund and SBN investment application for beginners that has been officially appointed by the Ministry of Finance of the Republic of Indonesia as a distribution partner for selling SBN, which is ready to serve SBN investors who want to invest through its application.
"At Bibit, we continue to strive and innovate so that all of our users can invest in diversified investment instruments, not only mutual funds, but also SBN of course," he said.
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For information, the minimum purchase/order for SBR011 is IDR 1 million and multiples of IDR 1 million with a maximum of IDR 2 billion. To be able to purchase SBR011 on the Bibit application or website, users simply click on the "State Securities (SBN)" icon or banner on the application homepage and on the Bibit website.
In this case, Bibit partners with Stockbit Sekuritas to manage the recording and storage of investors' SBN Investor Fund Accounts (RDN). Later, after investors make payments for SBN transactions, investors will receive proof of transactions in the form of Proof of State Revenue (BPN). In the BPN, there is a State Receipt Number (NTPN) which is issued directly by the state and is proof of ownership of the purchased SBN.
On the other hand, the Director of Government Securities (SUN) of the Directorate General of Financing and Risk Management of the Ministry of Finance of the Republic of Indonesia, Deni Ridwan, views that SBR011 is very suitable as an alternative passive income for the community because floating with floor returns following an increase in interest rates can prevent erosion. investment value by inflation.
"Seeing the benefits offered, we are optimistic that SBR011 will get a warm welcome from the Indonesian people, who are becoming more and more investment literate," concluded William.
The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)
