Investasi OBLIGASI FR (Fixed Rate) Dari Nol📈| Beli di Bibit!

Felicia Putri Tjiasaka

15 Apr 202313:05

Summary

TLDRThe video script discusses the appeal of investing in Fixed Rate (FR) government bonds as a secure and profitable option amidst uncertain economic conditions. It highlights the benefits of FR bonds, such as higher returns compared to bank deposits, liquidity, and being backed by the Indonesian government. The script explains the concept of FR bonds, how to buy and sell them on the Bibit platform, and who they are suitable for. It also compares FR bonds to bank deposits, emphasizing their advantages, such as higher coupon rates and potential capital gains. The presenter shares a step-by-step guide on purchasing and selling FR bonds on Bibit, noting its user-friendly interface and low transaction costs.

Takeaways

😀 Investing in Fixed Rate (FR) Bonds can offer certainty and reasonable returns, with the potential for passive income every six months.
🏦 FR Bonds are traditionally for wealthy individuals and priority bank customers, but now they can be purchased starting from 1 million, thanks to support from the video.
📈 The speaker predicts that the US interest rates have peaked and are likely to remain flat or decrease, which could impact Indonesian bond prices.
💼 FR Bonds are forward-looking investments, and their prices may increase if interest rates are expected to fall, as they are government-issued debt instruments.
🔑 FR Bonds offer a higher health factor, meaning they provide returns from two sources: fixed coupons paid every six months and potential capital gains or losses due to market fluctuations.
🔢 The actual return from FR Bonds is calculated using the yield to maturity (YTM), which remains constant and certain until the bond's maturity.
💹 FR Bonds are highly liquid and can be sold at any time before maturity, making them flexible for investors.
💰 There is no maximum purchase limit for FR Bonds, and they are 100% guaranteed by the Indonesian government, unlike bank deposits which have limits.
📅 FR Bonds offer coupon payments every six months, unlike retail and deposits which may offer monthly payouts.
📊 The video provides a comparison between FR Bonds and Bank BUMN deposits, highlighting that FR Bonds can offer higher coupons and potential capital gains without a purchase limit.
🛍️ The process of buying and selling FR Bonds on the 'bibit' app is explained, emphasizing its user-friendly interface and low transaction costs.

Q & A

What is the main topic discussed in the video script?
-The main topic discussed in the video script is the investment opportunity in Fixed Rate (FR) government bonds, their benefits, and how they can be a good investment option in 2023.
What is the appeal of FR bonds in the current economic climate?
-The appeal of FR bonds in the current economic climate is that they offer certainty and a reasonable return, with the potential for capital gains, and are backed by the Indonesian government.
What is the minimum purchase amount for FR bonds mentioned in the script?
-The minimum purchase amount for FR bonds mentioned in the script is 1 million Indonesian Rupiah.
How often are the coupon payments made for FR bonds?
-The coupon payments for FR bonds are made every six months.
What is the significance of the US Federal Reserve's interest rate changes on FR bonds?
-The US Federal Reserve's interest rate changes can influence the Bank of Indonesia's interest rates, which in turn can affect the prices of FR bonds. When interest rates fall, bond prices typically rise.
What are the four main reasons why FR bonds are considered attractive investments?
-The four main reasons are: 1) They offer higher health (likely referring to higher returns), 2) They are highly liquid and can be sold at any time, 3) There is no maximum purchase limit and they are 100% guaranteed by the state, 4) The coupons are paid every six months, which is suitable for those who do not need monthly passive income.
How does the liquidity of FR bonds benefit investors?
-The liquidity of FR bonds benefits investors because they can be sold at any time before maturity, allowing for flexibility in investment strategies.
What is the potential downside of holding FR bonds until maturity?
-The potential downside of holding FR bonds until maturity is that if interest rates fall, the market price of the bond may rise, and selling before maturity could result in a loss if the selling price is lower than the original purchase price.
How does the guarantee from the government affect the risk profile of FR bonds?
-The guarantee from the government makes FR bonds a low-risk investment option, as they are 100% backed by the state, which reduces the risk of default.
What is the process of buying and selling FR bonds on the Bibit platform as described in the script?
-The process involves having the Bibit app, clicking on the FR logo, choosing the amount to buy, and entering the transaction details. After purchasing, the FR bonds are held in the portfolio and can be sold at any time by entering the amount to sell and the desired selling price.
What are the additional costs associated with buying and selling FR bonds on the Bibit platform?
-The additional costs include a transaction fee and a stamp duty fee for transactions over 10 million Indonesian Rupiah. However, there are no buying fees or other additional fees mentioned for the platform.

Outlines

00:00

📈 Introduction to Fixed-Rate Government Bonds (FR)

The video script introduces the concept of Fixed-Rate (FR) government bonds as a reliable investment option amidst uncertain economic conditions. It highlights the appeal of FR bonds in 2023, emphasizing their guaranteed returns every six months, the flexibility to sell at any time, and the low risk backed by the Indonesian government. The speaker explains that FR bonds were traditionally accessible only to wealthy individuals and priority bank customers, with a minimum purchase often ranging from 50 to 100 million. However, the script notes a change, allowing investments starting from just 1 million, thanks to the support of viewers. The video promises to discuss the benefits of FR bonds, how to buy and sell them, and who they are suitable for, in the context of the US Federal Reserve's interest rate hikes and predictions of a potential peak due to decreasing inflation and the global banking system's stability concerns.

05:03

💼 Benefits and Features of FR Bonds

This paragraph delves into the benefits and features of FR bonds, such as their higher health factor compared to other investments, which includes both coupon payments and potential capital gains. The script explains that while the coupon rate remains fixed, the fluctuating market price of FR bonds due to secondary market trading can result in capital gains or losses. The speaker provides a detailed analysis of FR bonds, comparing them to other investments where returns are uncertain and unpredictable. The video also discusses the liquidity of FR bonds, their lack of a maximum purchase limit, and the fact that they are 100% guaranteed by the state, making them an attractive option for those looking for a secure investment with periodic returns.

10:04

💼 Practical Guide to Buying and Selling FR Bonds

The speaker provides a step-by-step guide on how to buy and sell FR bonds using the Bibit platform, highlighting the ease of use and the lowest transaction costs compared to other banks. The paragraph explains the process of purchasing FR bonds, including the calculation of the total payment which includes the bond's price and the accrued coupon belonging to the seller. It also details the selling process, emphasizing the tax-free nature of the capital gains when selling at a price lower than the purchase price. The script mentions the practical aspects of trading, such as the absence of additional fees and the platform's user-friendly interface, making it an ideal choice for both novice and experienced investors looking to capitalize on the downward trend in interest rates and secure a guaranteed return on their investment.

Mindmap

Keywords

💡Investment

Investment refers to the allocation of money with the expectation of generating income or profit. In the video, the speaker discusses various types of investments such as stocks, mutual funds, and fixed-rate bonds (FR). The theme revolves around finding an investment that offers certainty and reasonable returns, which is a central concept in the script.

💡Fixed-Rate Bonds (FR)

Fixed-Rate Bonds, or 'obligasi FR' in the script, are debt securities that pay a fixed interest rate, known as a coupon, to investors. The video focuses on FR as an attractive investment option in 2023, highlighting its features such as high safety, liquidity, and guaranteed returns by the Indonesian government.

💡Passive Income

Passive income is money earned with little to no effort by the recipient. In the context of the video, the speaker is looking for investments that can provide a steady stream of passive income every six months, which is a key aspect of the investment strategy being discussed.

💡Risk

Risk in investments refers to the possibility of losing some or all of the initial investment. The script mentions 'bebas risiko' which translates to 'risk-free', emphasizing that the investments discussed, like FR, are considered to have low risk due to government backing.

💡Liquidity

Liquidity in finance refers to the ease with which an asset can be converted into cash without affecting its price. The video script discusses the high liquidity of FR, meaning they can be sold at any time before maturity without significant loss of value.

💡Coupon Rate

The coupon rate is the annual interest rate paid on a bond. The script explains that FR bonds offer a fixed coupon rate, which provides a predictable income stream to investors every six months, a key feature of these bonds.

💡Capital Gain

Capital gain is the profit that arises from the increase in value of an investment. The script mentions the potential for capital gains or losses on FR bonds due to their fluctuating market prices, which is an additional benefit or risk factor for investors.

💡Interest Rate

Interest rate is the percentage of an amount loaned which a lender charges as interest to the borrower. The video discusses how changes in U.S. interest rates can influence the Indonesian market and, by extension, the value of FR bonds, demonstrating the interconnectedness of global financial markets.

💡Inflation

Inflation is the rate at which the general level of prices for goods and services is rising, and subsequently, purchasing power is falling. The script mentions the trend of decreasing inflation in the U.S., which could influence the direction of interest rates and bond prices, a critical factor for investors to consider.

💡Bank Indonesia

Bank Indonesia is the central bank of Indonesia. The script suggests that decisions made by Bank Indonesia, such as adjusting interest rates, can have a direct impact on the attractiveness of investments like FR bonds within the Indonesian market.

💡Guaranteed by the Government

When an investment is guaranteed by the government, it implies that the principal and returns are backed by the state, reducing the risk for investors. The script emphasizes that FR bonds are fully guaranteed by the Indonesian government, adding to their appeal as a safe investment.

Highlights

Investing in fixed-rate government bonds (FR) offers certainty and reasonable returns with a semi-annual passive income.

FR bonds are traditionally for wealthy individuals and priority bank customers, with a minimum purchase often starting from 50-100 million.

Now, FR bonds can be purchased starting from just 1 million, making them more accessible.

The Federal Reserve's interest rate hikes have led to predictions of a peak, with potential future flat or declining rates.

A decrease in US interest rates could influence Indonesia's central bank to lower rates, impacting FR bond prices.

FR bonds are forward-looking investments, and their prices may rise if market expectations are for lower future interest rates.

FR bonds are an attractive investment in 2023 due to high interest rates and relatively low FR bond prices.

FR bonds offer returns from two sources: fixed coupons paid semi-annually and potential capital gains or losses.

The return on FR bonds, known as Yul, is fixed and certain for the duration of holding until maturity.

Investors can lock in a specific annual return rate, such as 6.52%, which remains unchanged until the bond's maturity in 2032.

FR bonds are highly liquid and can be sold at any time before maturity without restrictions.

There is no maximum purchase limit for FR bonds, and they are 100% guaranteed by the government.

FR bonds' semi-annual coupon payments differ from monthly payments typical of retail and deposits.

FR bonds are suitable for investors who do not need monthly passive income and want to capitalize on capital gains while still receiving coupons.

For those new to investing, FR bonds can be started with a purchase as low as 1 million, offering a government-guaranteed return.

The tutorial explains the process of buying and selling FR bonds on the Bibit platform, emphasizing its user-friendly interface and low fees.

Bibit's platform offers the lowest spread in the market for FR bond transactions, with an average of 1.4%.

A step-by-step guide on how to buy FR bonds on Bibit, including the costs involved and the expected returns.

A comparison between FR bonds and bank deposits, highlighting the higher potential returns and government guarantee of FR bonds.

The tutorial also covers the simulation of buying and selling FR bonds, demonstrating the platform's ease of use and transparency.