{"id":473369,"date":"2021-02-26T11:26:06","date_gmt":"2021-02-26T04:26:06","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=473369"},"modified":"2021-02-26T11:26:06","modified_gmt":"2021-02-26T04:26:06","slug":"instrumen-investasi-pilihan-saat-tren-suku-bunga-rendah","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2021\/02\/26\/instrumen-investasi-pilihan-saat-tren-suku-bunga-rendah\/","title":{"rendered":"Instrumen Investasi Pilihan Saat Tren Suku Bunga Rendah"},"content":{"rendered":"

(Vibiznews \u2013 Banking & Insurance) \u2013 Suku bunga bank saat ini cenderung turun, apalagi setelah Rapat Dewan Gubernur (RDG) Bank Indonesia pada 17-18 Februari 2021 memutuskan untuk menurunkan BI 7-Day Reverse Repo Rate\u00a0(BI7DRR) sebesar 25 bps menjadi 3,50%, suku bunga\u00a0Deposit Facility\u00a0sebesar 2,75%, dan suku bunga\u00a0Lending Facility\u00a0sebesar 4,25%.<\/p>\n

Berdasarkan data penawaran bunga deposito yang dihimpun Laporan Harian Bank Umum (LHBU) BI per Selasa (23\/2), bunga deposito paling tinggi di bank tercatat hanya sebesar 5,13%. Sedangkan secara rata-rata bunga deposito perbankan hanya di kisaran 4,19% hingga 4,15%.<\/p>\n

Bunga tersebut jelas lebih rendah dibandingkan dengan kupon Obligasi Ritel Indonesia seri terbaru yakni ORI019 yang mencapai 5,57%. Apalagi dibandingkan dengan reksadana saham yang punya return lebih tinggi secara month over month (mom). Tentu saja hal ini menjadikan deposito bukan lagi menjadi pilihan yang menarik saat ini, meskipun tak dapat dipungkiri masih saja ada yang berminat menginvestasikan dananya di deposito.<\/p>\n

Meskipun bunganya terbilang kecil karena deposito merupakan instrumen investasi yang paling likuid sekaligus punya tenor yang rendah sehingga sebagai dana cadangan deposito mudah dicairkan dibandingkan instrumen investasi lainnya seperti reksadana dan obligasi.<\/p>\n

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\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Silahkan klik untuk join<\/figcaption><\/figure>\n

Namun untuk simpanan atau investasi yang bersifat jangka panjang, misalnya tenor 5 tahun sebaiknya dana investasi ditempatkan di instrumen investasi lainnya. Apalagi, dengan berlanjutnya penurunan suku bunga, pertumbuhan bisnis diharapkan akan bergerak.<\/p>\n

Instrumen investasi apa saja yang bagus saat tren suku bunga rendah?<\/p>\n

Pertama, prospek investasi di saham tentu akan menjadi pilihan yang bagus. Termasuk instrumen turunannya, seperti reksadana saham, karena return yang diperoleh lebih tinggi. Apalagi jika IHSG cenderung naik maka investasi saham atau reksa dana saham bisa jadi pilihan yang menarik, meskipun tentu ada risikonya dibandingkan dengan deposito karena nilai aktiva bisa fluktuatif.<\/p>\n

Kedua, turunnya suku bunga acuan BI menyebabkan bunga deposito juga turun, sedangkan jika suku bunga bank turun maka obligasi pada umumnya naik sehingga ini bisa jadi instrumen investasi pilihan. Tidak heran jika ORI019 sangat diminati investor retail karena bunganya lebih tinggi dari suku bunga deposito sehingga sebagian deposan shifting memindahkan dananya ke ORI019. Selain itu juga Anda dapat melakukan investasi di Reksa Dana Pendapatan Tetap yang memberikan return cukup tinggi<\/p>\n

Ketiga, harga emas Antam\u00a0 turun Rp 4000 menjadi Rp 934.000 per gram hari Kamis (25\/2\/2021),\u00a0 sedangkan dari data Reuters pukul 08.15 WIB, harga emas spot turun 0,3% menjadi US$ 1.798,71 per ons troi pada 0059 GMT. Saat harga emas turun maka inilah saatnya Anda melakukan investasi emas jika Anda memiliki dana lebih untuk berinvestasi. Apalagi, di tahun 2020 lalu laju pertumbuhan harga emas cukup masif<\/p>\n

Demikian instrumen investasi yang dapat Anda pertimbangkan di saat tren suku bunga rendah.<\/p>\n

\n

 <\/p>\n

Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n

Editor : Asido Situmorang<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

(Vibiznews \u2013 Banking & Insurance) \u2013 Suku bunga bank saat ini cenderung turun, apalagi setelah Rapat Dewan Gubernur (RDG) Bank Indonesia pada 17-18 Februari 2021 memutuskan untuk menurunkan BI 7-Day Reverse Repo Rate\u00a0(BI7DRR) sebesar 25 bps menjadi 3,50%, suku bunga\u00a0Deposit Facility\u00a0sebesar 2,75%, dan suku bunga\u00a0Lending Facility\u00a0sebesar 4,25%. Berdasarkan data penawaran bunga deposito yang dihimpun Laporan […]<\/p>\n","protected":false},"author":101013,"featured_media":37177,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[179],"tags":[11079,1287,10791,255,11081],"class_list":["post-473369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bond-mutual","tag-instrumen-investasi-pilihan","tag-obligasi","tag-reksadana","tag-saham","tag-suku-bunga-rendah"],"yoast_head":"\nInstrumen Investasi Pilihan Saat Tren Suku Bunga Rendah - Vibiznews.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vibiznews.com\/index.php\/2021\/02\/26\/instrumen-investasi-pilihan-saat-tren-suku-bunga-rendah\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Instrumen Investasi Pilihan Saat Tren Suku Bunga Rendah - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking & Insurance) \u2013 Suku bunga bank saat ini cenderung turun, apalagi setelah Rapat Dewan Gubernur (RDG) Bank Indonesia pada 17-18 Februari 2021 memutuskan untuk menurunkan BI 7-Day Reverse Repo Rate\u00a0(BI7DRR) sebesar 25 bps menjadi 3,50%, suku bunga\u00a0Deposit Facility\u00a0sebesar 2,75%, dan suku bunga\u00a0Lending Facility\u00a0sebesar 4,25%. 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