4 Jenis Investasi Syariah TERBAIK saat ini

Summary

In this video, Dodi Prayogo discusses how investors can navigate the uncertainties of 2023 with a focus on Sharia-compliant investment options. He introduces various instruments, including Sharia deposits, mutual funds, stocks, and retail government bonds (SBN), each with its own set of advantages and risks. Dodi highlights the safety of Sharia investments, such as low-risk and high-return bonds, and provides guidance on how to select the best investment options for different risk profiles. The video aims to equip investors with practical insights on balancing safety and returns in uncertain times.

Takeaways

• 😀 Focus on what you can control, especially during uncertain times like a potential recession, and avoid excessive worry over things you can't control.
• 😀 Islamic investments differ from conventional ones by adhering to Sharia principles, avoiding interest (riba), speculation (gharar), and gambling (maysir).
• 😀 Islamic investment options include Sharia-compliant deposits, mutual funds, stocks, and government bonds, all of which must adhere to Islamic financial principles.
• 😀 Sharia-compliant deposits offer a safe investment, guaranteed by LPS, but their returns often fall below inflation rates and have a higher tax burden (20%).
• 😀 Sharia-compliant mutual funds can be started with as little as IDR 100,000 and offer various risk profiles, but they come with risks such as fund manager failure and potential market volatility.
• 😀 Sharia-compliant stocks allow you to directly invest in companies that follow Islamic principles, but they carry the risk of selecting underperforming stocks or companies that may face delisting.
• 😀 Government-issued retail bonds (SBN) offer safety, consistent passive income, and tax advantages, with returns typically higher than conventional deposits and in line with inflation.
• 😀 Sukuk Tabungan (SBN retail) offers an investment duration of 2 to 3 years with fixed or floating interest rates, and an early redemption option after 1 year for certain series.
• 😀 The ST009 bond series offers a return of 6.15% per year, with higher returns if the central bank's interest rates rise, and is ideal for investors seeking low-risk and stable income.
• 😀 Investing in Sharia-compliant instruments like SBN retail bonds is especially suitable for those seeking low-risk investments, long-term capital preservation, and passive income.

Q & A

What is the main focus of the video?

The video focuses on introducing Sharia-compliant investment options that can help investors navigate the uncertain economic conditions of 2023 while ensuring ethical and safe financial choices.

What distinguishes Sharia-compliant investments from conventional investments?

Sharia-compliant investments must align with Islamic principles, such as avoiding interest (riba), speculation (gharar), and gambling (maysir), while conventional investments may not adhere to these restrictions.

What are some key advantages of Sharia deposits for investors?

Sharia deposits are considered safe, easy to understand, and especially suitable for beginner investors. They are also insured by the LPS (Indonesian Deposit Insurance Corporation), providing an extra layer of security.

What are the disadvantages of Sharia deposits?

The returns on Sharia deposits tend to be lower than inflation rates, making them less lucrative. Additionally, the maximum coverage limit by LPS is capped at IDR 2 billion, and the tax on interest is 20%, which is higher compared to other Sharia investment products.

How do Sharia mutual funds differ from conventional mutual funds?

Sharia mutual funds are managed in compliance with Islamic law and avoid investing in sectors like conventional banking, alcohol, or gambling. They offer various risk levels, ranging from money market funds to equity funds, depending on the investor's goals.

What risks are associated with investing in Sharia mutual funds?

Risks include the potential decline in the value of investments, particularly in equity or bond-based funds during crises, as well as the possibility of poor fund management by the investment managers.

What are the benefits of investing in Sharia stocks?

Sharia stocks offer opportunities for capital gains and dividends while ensuring that the companies adhere to ethical business practices aligned with Islamic principles.

What are the risks of investing in Sharia stocks?

The risks include choosing the wrong stock, experiencing significant losses if the stock price falls, and the potential for company delisting or bankruptcy.

What are Retail Government Bonds (SBN), and why are they considered safe investments?

SBN are government-issued bonds that allow individuals to invest in the country's development while earning fixed or floating returns. They are considered safe because they are backed by the government, providing a high level of security for investors.

How does the Sukuk Tabungan ST009 work, and what makes it a good investment option?

Sukuk Tabungan ST009 is a Sharia-compliant bond offering a fixed annual return, typically higher than conventional deposits. It is ideal for conservative investors seeking low-risk, stable returns and the added benefit of early redemption after one year. It is 100% guaranteed by the government.

Can you redeem Sukuk Tabungan ST009 before maturity, and how does it work?

Yes, Sukuk Tabungan ST009 can be redeemed early, but only 50% of the investment can be withdrawn after one year. This feature allows investors some flexibility if needed, while the remaining portion continues to accrue interest until maturity.

What is the benefit of SBN's lower tax rate compared to Sharia deposits?

SBN offers a lower tax rate on returns (10%) compared to Sharia deposits, which have a tax rate of 20%. This makes SBN a more tax-efficient investment for individuals looking to maximize their returns.