There are various attractive investments that investors can choose from to start financial management and prepare for better finances in the future. To deal with the current economic situation, many investors are trying to bond investment retail or government bonds. This is because bond investments have a relatively higher coupon value than deposit interest.
Not only that, bond investments also have a fairly low risk and are guaranteed by law and issued directly by the government with the support of APBN funds. Investors who invest in retail bonds will get coupons that can be considered as fixed income every month. Investors will also receive the entire principal amount of their investment back when it matures.
Types of Retail Bond Investment
Becoming a good and successful investor requires a lot of learning and understanding of investing strategies. Before investing in retail bonds, it’s a good idea to know the types, because these bonds are only sold for a certain period. The following are several types of bond investments, namely;
1. Retail Savings Bond (SBR)
Type bond investment the first is Retail Saving Bond or SBR. This investment has a floating coupon or floating, where the coupon value at the beginning of the sale is the minimum value until maturity. However, there is still potential for an increase in the future in accordance with the BI 7 day Reverse Repo Rate which is every 3 months. So the benefits you can get will be even greater.
For investment, this SBR bond cannot be sold anymore, but has a day of disbursement facility or redemption part of the principal value of the investment that will be given within a certain period of time.
2. Retail Government Bonds (ORI)
Type bond investment next is retail state bonds or ORI. The ORI bonds are specifically sold online and are supported through the SBN platform. Retail government bonds (ORI) can also be sold on the secondary market.
3. Savings Sukuk (ST)
This type of savings sukuk investment is almost the same as SBR, which has an expanding coupon and early redemption facility. The National Sharia Council and the Indonesian Ulema Council (DSN-MUI) state according to Sharia that this investment does not contain elements of gharar or ambiguity, elements of maisir or gambling and elements of usury.
4. Retail Sukuk (SR)
Furthermore, there are retail sukuk investments that are also in accordance with sharia principles. This bond investment offers potential capital gains and can be traded to other investors through the secondary market. The proceeds from the sale of this retail sukuk bond investment are quite large and are in demand by many investors.
Advantages of Retail Sukuk Investment (SR)
Indeed, each type of bond investment has its own advantages and disadvantages. This is because the investment in SBR, ST, ORI and SR has several differences. However, in this regard, we have summarized several things about profitable retail sukuk investments, namely:
Tenors
In terms of tenor or investment period, SR is the same as ORI, which has a tenor of three years and can be sold before maturity on the secondary market. This is different from SBR and ST which have a tenor of 2 years and cannot be traded on the secondary market
Potential Capital Gain
Regarding capital gains, the price of SR and ORI may increase and decrease according to market demand.
Coupon Advantage
For profits or returns on ORI/SR, FR and others, the amount is fixed until maturity. So if there is an increase or decrease in the coupon bond interest rate, it does not adjust.
Safe and Easy Bond Investment at DBS Treasures Only!
Bond investment this is a safe investment and very dear to miss. You can easily invest in bonds at DBS Treasures priority bank only. There are several advantages or benefits that you can feel with bond investments, namely:
1. Guaranteed in law
You don’t have to worry about getting into trouble or other things when investing in bonds, because these investments are issued directly by the government and are guaranteed by law.
2. Various Options Available
Through DBS Treasures, you can still invest in bonds in a variety of currencies and time periods according to your preference. The available currencies are IDR, USD, and EUR.
3. Regular Coupons for Payment
In investing in bonds, you will get regular coupons for periodic payments. This coupon will be paid periodically by the bond issuer during the investment period. Of course, the coupons given are also competitive or above the average time deposit.
4. No Additional Fee
By investing in bonds, there are no additional costs to be incurred, but only the weight or difference between the purchase price and the selling price (bid and offer).
5. Potential Capital Gain
As previously noted, this bond investment can be sold at any time before maturity. Investors can benefit from potential gains and increases in bond prices.
6. 24/7 transactions
By investing in bonds in DBS Treasures, you can make transactions 24/7 via the digibank by DBS App. In addition, there are also many products that are traded on the digibank by DBS application. Those are some things about bond investing that you can know. Don’t miss out on enjoying the benefits of investing in bonds in DBS Treasures. You will get good financial management strategies and investment guidance from the experts to make accurate and right decisions.
