Suku Bunga Dipangkas, Investasi Apa Yang Bikin Kaya?

Summary

The 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.