Jakarta –
Do you know, the interest rate on time deposits or storage area currently continues to decline. The number is getting smaller and smaller in line with the abundance of liquidity in the banking system and the low interest rate of Bank Indonesia (BI).
The following is the calculation of putting money in deposits and retail bonds with interest rates of 2% and 5.5% per annum, respectively.
Storage area
Quoted from the official cimbniaga.co.id page, before calculating deposit interest, it is best to first confirm the interest rate set by the bank of choice.
detik.com using a simulation of depositing a deposit of Rp. 10 million with a period of 6 months. The interest used is an average of 2% and the tax deduction that must be borne is 20%.
SBR011
Then there are retail bonds with an example of SBR011. For retail securities, it provides a coupon of 5.5% per year. Now this coupon is paid monthly.
The government sets coupons floating with floor. So interest can go up if the benchmark interest increases and then it can go down from the minimum limit of 5.5%. The applicable tax is 10% and must be borne by the owner of the fund.
Comparison of Return on Deposits and Retail Bonds:
| Storage area | SBR011 | |
| Amount of money | Rp 10.000.000 | Rp 10.000.000 |
| Coupons/interest | 2% | 5,5% |
| Tax | 20% | 10% |
| Profit per year | Rp 200.000 | Rp 550.000 |
| Profit per month | Rp 16.666 | Rp 45.833 |
| Profit after tax per year | Rp 160.000 | Rp 495.000 |
| Profit after tax per month | Rp 13.333 | Rp 41.250 |
| Total | Rp 10.160.000 | Rp 10.495.000 |
(kil/arab)
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