Suku Bunga Dipangkas, Investasi Apa Yang Bikin Kaya?
Summary
TLDRThe Federal Reserve is anticipated to lower interest rates in September, following a year of high rates to combat inflation. With US inflation easing to 3% in June 2024, down from a target of 2%, Jerome Powell suggests prolonged high rates could harm the economy. Bank Indonesia may follow suit, impacting investments. As rates drop, investors are advised to consider various investment options like government bonds, fixed-income funds, and stocks, especially those less burdened by financial debt, to maximize returns amidst global economic fluctuations.
Takeaways
- 📉 The Federal Reserve is expected to lower interest rates in September 2024 after maintaining them at 5.25%-5.5% for nearly a year.
- 📊 Inflation in the U.S. has decreased to 3% in June 2024, but the target remains at 2%, which is a factor influencing the rate cut.
- 🏦 Jerome Powell, Chair of the Federal Reserve, noted that holding high interest rates for too long can negatively impact the U.S. economy.
- 📉 Bank Indonesia is likely to follow the Federal Reserve’s interest rate cut with its own rate cut, expected in November.
- 💰 Several investment options are mentioned for capitalizing on the rate cut, including government bonds, fixed-income funds, and stocks.
- 📈 As interest rates decrease, some investors may shift away from savings deposits and into government bonds (SBN) due to higher potential returns.
- 🔄 Diversification is recommended as the best investment strategy, balancing investments across multiple assets such as bonds, stocks, and gold.
- 📉 The Indonesian central bank rate was 6.25% by June 2024, kept high to stabilize the currency, manage inflation, and ensure foreign capital inflow.
- 📉 When interest rates decrease, sectors such as property, automotive, and telecommunications stocks could become more attractive.
- 📈 Gold is highlighted as a potential investment due to its correlation with currency movements and its status as a 'safe haven' during global instability.
Q & A
What is the expected action of the Federal Reserve in September regarding interest rates?
-The Federal Reserve is expected to lower interest rates in September, which has been anticipated for some time due to the high interest rates maintained by the Fed for nearly a year at 5.25% to 5.5%.
Why is the Federal Reserve considering lowering interest rates?
-The Federal Reserve is considering lowering interest rates because inflation in the United States has started to ease, reaching 3% in June 2024, down from a previous target of 2%.
What does Jerome Powell, the Chairman of the Federal Reserve, think about maintaining high interest rates for a long period?
-Jerome Powell has stated that maintaining high interest rates for a long period is not beneficial for the U.S. economy.
How does the Federal Reserve's interest rate decision typically affect Bank Indonesia's monetary policy?
-Typically, when the Federal Reserve lowers interest rates, Bank Indonesia follows suit by adjusting its own interest rates. This is expected to happen in September, potentially leading to a decrease in the reference interest rate.
What was the last increase in the Federal Reserve's interest rate, and by how much?
-The last increase in the Federal Reserve's interest rate was in July 2023, with an increase of 25 basis points, setting the rate between 5.25% and 5.5%.
What is the current inflation rate in the United States, and what is the government's target?
-As of June 2024, the inflation rate in the United States is at 3.3%, whereas the government's target is to have it at 2%.
What monetary policy did Bank Indonesia implement in response to the Federal Reserve's actions?
-In response to the Federal Reserve's actions, Bank Indonesia increased its reference interest rate to 5.75% in July 2023 and maintained a high interest rate of 6.25% as of June 2024 to ensure inflation remains controlled and to stabilize the rupiah's value.
What are the potential impacts of Bank Indonesia's high interest rate policy on the public?
-The high interest rate policy can lead to increased prices, higher loan interest rates, reduced purchasing power, and a potential decrease in the job market.
What types of investments are suggested for a period of central bank interest rate decrease?
-Investments such as government bonds (including retail and fixed-rate), Shariah-compliant retail government bonds, fixed-income mutual funds based on SBN, and stocks in sectors like property, automotive, multifinance, and telecommunications are suggested.
What are the opinions of financial experts on the potential impact of interest rate cuts on investments?
-Financial experts suggest that interest rate cuts can affect various investment instruments, such as bonds and stocks, and that investors should diversify their portfolios to benefit from different market responses to interest rate changes.
Why is it important for investors to diversify their investments during times of interest rate fluctuations?
-Diversification helps to minimize the risk of significant losses and allows investors to take advantage of opportunities across different investment instruments that may be affected differently by interest rate changes.
Outlines
📉 Expected Interest Rate Cut by The Fed in September 2024
The paragraph discusses the anticipation of a potential interest rate cut by The Federal Reserve (The Fed) in September 2024. The rate has remained high between 5.25% and 5.5% for almost a year, driven by the need to control inflation. With inflation in the U.S. cooling down to 3% by June 2024, lower than the target of 2%, Fed Chair Jerome Powell acknowledged the adverse effects of prolonged high rates on the U.S. economy. The passage also notes that such rate cuts typically influence Indonesia's central bank, Bank Indonesia, potentially leading to similar actions. The focus then shifts to what types of investments should be prioritized during this period of decreasing interest rates.
💰 Public Investment Preferences Amid Rate Cuts
This paragraph highlights different investment strategies that people are adopting ahead of the expected interest rate cut. It includes interviews with individuals investing in various financial instruments such as mutual funds, gold, and fixed deposits. One interviewee emphasizes the long-term benefits of gold, while another highlights the ease of investing in mutual funds through popular platforms. Both stress that diversification is key, with each person sharing their reasons for choosing specific investment products.
📈 Financial Products to Consider During Central Bank Rate Cuts
The paragraph outlines three main investment products that investors should consider during a potential central bank interest rate cut: retail government bonds (ORI), fixed-rate government bonds (FR), and Sharia-compliant bonds (sukuk). It also mentions fixed-income mutual funds and stocks from sectors like property, automotive, finance, and telecommunications as promising options. The section concludes by shifting focus to expert opinions on the topic.
📊 Expert Analysis on Rate Cuts and Investment Strategies
An expert, Mas Akbar, is interviewed about the potential effects of the interest rate cut. He explains that as interest rates decrease, government bonds and other debt instruments, including those from Indonesia, become more attractive as investors move away from lower-yielding savings accounts. Stocks, especially in companies with dollar-denominated debt, could benefit due to reduced financial burdens. Gold is also mentioned as a safe-haven asset, which generally appreciates when interest rates drop. The expert advises on the importance of diversifying investments across multiple asset classes to maximize returns and minimize risk.
🛡️ Importance of Diversification in Investment
The paragraph wraps up the expert advice by reiterating the importance of diversifying investments across different products like government bonds, stocks, and fixed deposits. This diversification helps investors mitigate risks associated with interest rate cuts while maximizing potential returns. The discussion ends with a reminder that investors should remain aware of market changes and adjust their portfolios accordingly.
Mindmap
Keywords
💡Federal Reserve (The Fed)
💡Interest Rates
💡Inflation
💡Bank Indonesia
💡Monetary Policy
💡Deposito
💡Reksa Dana
💡Emas (Gold)
💡Investment Diversification
💡Suku Bunga
💡Global Financial Stability
Highlights
The Federal Reserve is signaling a potential interest rate cut in September, after maintaining high rates of 5.25%-5.5% for almost a year.
Inflation in the U.S. has started to ease, reaching 3% in June 2024, though the initial target was 2%.
Jerome Powell, Chair of the Federal Reserve, stated that maintaining high interest rates for too long may negatively impact the U.S. economy.
Interest rate cuts by the Federal Reserve are typically followed by similar movements by Bank Indonesia.
Indonesia's central bank, Bank Indonesia, currently maintains a high interest rate of 6.25% to stabilize inflation, the Rupiah exchange rate, and attract foreign capital.
Rising interest rates in Indonesia have led to higher prices, loan interest rates, and reduced purchasing power and employment.
With potential rate cuts on the horizon, investors are considering safe options like mutual funds, bonds, and gold.
Many people are turning to mutual funds and gold for their relatively safe returns amid financial instability.
Gold is seen as a safe haven due to its perceived long-term price appreciation and the ability to resist impulsive spending.
Expert analysts suggest that fixed-income securities like government bonds and certain stocks in sectors like property, automotive, and telecommunications will benefit from interest rate cuts.
Systemic risks arise during interest rate cuts, affecting assets sensitive to rate changes, including bonds and stocks.
When interest rates fall, deposits become less attractive, leading investors to shift funds into government bonds.
Rate cuts can benefit companies with dollar-denominated debt, as a strengthening Rupiah would reduce their financial burdens.
Investors should diversify across multiple investment instruments, such as government bonds, deposits, and stocks, to mitigate risks.
Amid global instability, safe-haven assets like gold remain attractive to investors, especially during financial uncertainty in regions like the Middle East.
Transcripts
theet disinyalir akan menurunkan suku
bunganya di bulan September nanti tentu
kemungkinan penurunan ini sudah
dinanti-nanti karena penahanan suku
bunga yang tinggi oleh the fet sudah
terjadi hampir 1 tahun di 5,25% hingga
5,5%. dan juga penurunan kemungkinan
penurunan ini juga dikarenakan ada
beberapa faktor salah satunya adalah
ternyata inflasi di Amerika Serikat
sudah mulai mereda dan berada di Juni
2024 di angka 3 per yang sebelumnya
ditargetkan di 2%. dan Jerome Powell
sendiri sebagai ketua theet sudah
mengatakan bahwa penahanan suku bunga
yang tinggi dalam jangka waktu yang lama
sebenarnya tidak baik juga untuk
perekonomian Amerika Serikat nah yang
bikin penasaran adalah biasanya dengan
ada penurunan suku bunga dari the fet
biasanya juga diikuti dengan pergerakan
suku bunga bank sentral Indonesia yaitu
Bank Indonesia dan di tengah penurunan
suku bunga yang akan terjadi kemungkin a
akan terjadi di September nanti
investasi Apa sih yang harusnya kita
genjot untuk membuat kita semakin kaya
simak rputan berikut
ini sebelum membahas lebih jauh sobat my
money perlu tahu kenaikan suku bunga
acuan oleh Bank Central Amerika Serikat
The Federal Reserve atau the fet terjadi
terakhir kali pada Juli 2023 dengan
kenaikan sebesar 25 basis poin
dibandingkan Juni 2023
keputusan menaikkan suku bunga menjadi
5,25% hingga 5,5% di bulan Juli tahun
lalu menjadi langkah agar inflasi di
Amerika Serikat dapat lebih
terkendali pada bulan Juli 2023 inflasi
Amerika Serikat ada pada level
3,2% dan hingga Juni 2024 angka inflasi
Negeri pamansam tidak kunjung turun
bahkan mencapai
3,3% padahal pemerintah Amerika Serikat
menargetkan inflasi di
2%. guna menyeimbangkan dengan Bank
Central Amerika Serikat Bank Indonesia
juga menerapkan kebijakan moneter
seperti meningkatkan suku bunga acuan
pada Juli 2023 Bank Indonesia memutuskan
suku bunga acuan ada di
5,75% dan hingga Juni 2024 suku bunga
acuan Bank Indonesia sudah mencapai
6,25%. mirip dengan tujuan the fet bank
Indonesia hingga Juni 2024 masih
mempertahankan suku bunga yang tinggi di
6,25% demi menjamin inflasi tetap
direntang yang aman stabilisasi nilai
tukar Rupiah dan memastikan masuknya
aliran modal asing kenaikan suku bunga
bank Indonesia tentu memiliki dampak
tersendiri bagi masyarakat mulai dari
harga barang naik bunga pinjaman naik
daya beli masyarakat tertekan dan
lapangan kerja
berkurang oleh karenanya kabar prediksi
pemangkasan suku bunga The Fat masih
menjadi angin segar tersendiri di pasar
keuangan nah menjelang penurunan suku
bunga ini sebenarnya investasi Apa sih
yang bisa bikin kita cepat kaya dan
tabungan melimpah Yuk kita tanyakan ke
masyarakat mereka lebih pilih investasi
mana
[Musik]
sih ada sih reks dana ini apa pasar uang
sama obligasi investasin dalam bentuk
deposito di BNI ee Kebetulan saya nabung
dan bentuk investasinya dalam bentuk
beli emas
gitu karena mungkin dari dulu sih tahu
dari Instagram atau tiktok juga ya
akhirnya pakai produk itu jadi Ya udah
ternyata banyak juga Tuh orang mulai
pakai reks dana terus dengan Ris yang
kecil jadinya juga saya ngikut buat
nabung gitu pakai produk itu gitu karena
profitnya lumayan e untungnya lumayan
banyak untuk cukup buat sanggu bulanan
gitu karena menurut saya harga emas itu
akan selalu naik kan Kak jadi kayak
kalau misalnya beli emas terus saya kan
juga remaja saya tuh kadang-kadang
sering impulsif gitu kalau dibeliin ke
emas itu nanti kayak e kita kan jadi
ggak bisa beli-beli nih Nah jadi
harganya terus naik naik naik
gitu mungkin tergantung juga sih ya
kondisinya bisa jadi dua-duanya saya
pakai Kenapa karena mungkin ya itu tadi
karena suku bunganya flat jadi ya udah
kan lebih enak ya kalau menggunakan dua
produk tapi dapat dua benefit juga dari
dua produk itu gitu sepertinya tetap
karena nanti bakal ada kayak e salah
satu pihak dari bank yang memberitahukan
bahwa ini akan berpengaruh ke produk
produk saya bakal turun atau enggak
profitnya kalau misalkan turun saya akan
pindah produk tapi kalau misalkan enggak
turun itu enggak akan pindah produk Gitu
Ee bisa jadi saya tetap beli emas kalau
enggak saya akan nabung di Bank melalui
deposito juga karena pihak bank pasti
akan memberikan keuntungan-keuntungan
kepada kita
juga ya memang tujuan dari investasi
tidak hanya untuk menabung tetapi juga
dapat meraup margin sebesar-besarnya
Oleh karena itu pertimbangan produk
investasi menjadi penting di kalala
ketidakstabilan
Global menghimpun informasi dari
cnbcindonesia.com Terdapat tiga jenis
produk investasi yang bisa
dipertimbangkan di kala penurunan suku
bunga bank sentral nanti yang pertama
adalah surat berharga negara yang
terbagi menjadi tiga jenis yaitu jenis
pertama obligasi negara rtail atau ori
yang kedua adalah obligasi negara fixed
rate atau FR dan yang terakhir sukuk
negara rtail yang bersifat Syariah
selanjutnya reksa dana pendapatan tetap
berbasis SBN dan yang terakhir adalah
saham seperti properti otomotif
Multifinance dan
Telekomunikasi kalau tadi kita sudah
menanyakan kepada masyarakat saat ini
saya mau nanya nih kepada yang lebih
expert di bidang finansial sebenarnya di
potensi penurunan suku bunga ini
investasi apa yang menjadi Primadona
Halo Mas Akbar Halo apa kabar Kabar baik
Mas Akbar Ini mau tanya-tanya nih
mengenai potensi penurunan suku bunga
sebenarnya impactnya ke kita kayak
gimana sih i jadi kalau kita bisa lihat
di berita itu kan Eh ekspektasinya itu
kan The Fat itu bakal Cut rate
pertamanya itu di bulan nov eh ini ya
apa namanya E September ya nanti
biasanya hal seperti itu tuh akan
diikuti juga sama e Bank Indonesia ya
Jadi ada penurunan juga ee penurunan
suku bunga juga di suku bunga cuuan bank
Indonesia nu ekspektasinya di bulan
November di situ ya Nah ee ada beberapa
hal yang harus diketahui terkait E
catrade ini sendiri terutama catrade di
bank catrade di bank sentral pastinya
yang pertama ini adalah sebuah risiko
sistemik jadi ketika ini terjadi ya Sama
halnya seperti ada ada kenaikan nilai
tukar eh Rupiah terhadap dolar dan lain
sebagainya ini akan ada beberapa aset
yang
EE mendapatkan efek dari sini semua ya
kalau kita bicara mengenai apa namanya
instrumen investasi apa yang diuntungkan
catrade ini biasanya akan ada dampaknya
ke pasar obligasi ya atau surat utang
negara maupun ee yang sifatnya Syariah
maupun konvensional ya karena ini
merupakan instrumen yang cukup cukup ini
sensitif sama ee sama kenaikan atau
penuruhan suku bunga itu ya biasanya
ketika ee suku bunganya turun maka harga
pasar pasar uang itu Jadi kurang menarik
ya orang biasanya nabung di deposito
mereka akan ee cabut mereka akan pindah
ke obligasi negara ke SBN ya Nah di sana
akan ada kenaikan SBN yang mana otomatis
akan diikuti dengan penurunan yield di
situ ya lalu kalau misalnya kita lihat
ee di e sektor sektor eh lain ya seperti
saham itu juga bisa kita lirik ya
biasanya ee emiten-emiten yang memang ee
dia punya e beban keuangan atau beban
beban utang atau utang utang dalam
berdenominasi dolar itu juga bisa
diuntungkan karena ketika ada catrate
biasanya kan akan ada e penguatan rupiah
ya di sand dan mereka itu yang
saham-saham itu juga saham-saham emiten
seperti ini biasanya juga apa beban
beban finansialnya juga berkurang gitu
jadi margin labanya juga bisa lebih
tebal gitu ya dan pastinya yang terakhir
adalah emas di sini ya emas ini biasanya
juga punya korelasi yang EE cukup ee ini
ya cukup penting diperhatikan terhadap
katrade ya biasanya ketika suku bunga
turun ya itu harga emas juga naik karena
ada korelasi sama nilai tukar e USB juga
ya di situ ya dan pastinya kalau kita
lihat sekarang ya Timur Tengah juga
masih bergejolak gitu ya Nah Which is
aset yang sifatnya safe Heaven ini juga
masih sangat dilirik oleh Para
[Musik]
investor Ya pastinya kita sebagai
investor Kita harus melakukan
diversifikasi ya ya jadi kita enggak
bisa mengandalkan satu eh instrumen saja
gitu jadi kayak misalnya kita cuman
investasi di emas saja kita mungkin lupa
ada peluang lain yang di instrumen lain
yang bisa kita apa kita bisa manfaatkan
di situ lalu ketika setiap kali setiap
ee aset itu kan juga pasti punya
sensitivitas tersendiri terhadap isu-isu
ee yang ada gitu ya entah itu baik
kenaikan atau penurunan suku bunga itu
sendiri gitu kalau Anggaplah e kita P
seluruh aset kita di deposito gitu
penuruhan suku bunga otomatis yang ke
depannya ketika dia ada roll over ya
Returns Kita juga bisa semakin berkurang
walaupun tetap aja kita untung tapi kan
keuntungannya juga berkurang gitu karena
ini adalah instrumen pasar uang gitu
Cobalah kita punya kita diversifikasikan
ibaratnya kita punya pendapatan tetap
kita masukkan ke SBN deposito terus kita
juga ada sahamnya saham juga beberapa di
beberapa sektor juga kita harus punya
Oke Baik terima kasih untuk
informasinya sehat selalu Oke Baik
pemirsa ternyata memang untuk penabungan
investasi menabung pendapatan sendiri
Memang dianjurkan tidak hanya di satu
produk investasi tetapi juga di beberapa
produk investasi lain untuk
meminimalisir terjadinya Cut Los yang
terlalu banyak Ya pemirsa dari Jakarta D
Devita dan Muhammad Iqbal cnvc Indonesia
foreign
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