Differences Between Sukuk Negara Ritel and Sukuk Tabungan
Advantages of Sukuk Negara Ritel
Differences with Sukuk Tabungan
- Investment Maturity Period
- Flexibility of Buying and Selling
- Return Potential
- Coupon Characteristics
Sukuk Negara Ritel or Sukuk Ritel is a popular investment instrument. This product is one of the Sharia-compliant Government Bonds with many advantages.
If you’re looking to expand or diversify your investments, Sukuk Ritel might be the right choice. Let's get to know what Sukuk Negara Ritel is and its benefits.
What is Sukuk Negara Ritel?
Sukuk Negara Ritel is a Sharia-compliant investment product offered by the government to all Indonesian citizens.
It is considered safe, easy, and affordable, offering potentially lucrative returns.
The investment management of Sukuk Negara Ritel adheres to Sharia principles. Returns are paid monthly and can be traded on the secondary market among domestic investors.
Advantages of Sukuk Negara Ritel
Before investing in any instrument, it’s essential to know its advantages. Here are some benefits of Sukuk Negara Ritel you should be aware of:
- Potential Competitive Returns
The first advantage is that Sukuk Negara Ritel can offer a competitive returns potential. Beyond that, the potential returns from this instrument are also considered attractive.
Returns will be distributed to you as an investor on a monthly basis according to the applicable agreement. These returns are also directly from the government, so you don't have to worry about the risk of default.
The guarantee from the Law also makes Sukuk Negara Ritel considered much safer. You can gain attractive potential returns with minimal risk.
- Low Initial Capital
Nowadays, investing has become easier, especially when it comes to the capital required. For example, investing in Sukuk Negara Ritel can be done with a relatively small initial capital.
You only need a starting capital of IDR 1 million to invest in this instrument. Compared to its competitive returns, this amount of capital is quite affordable.
The low initial capital requirement certainly opens up more investment opportunities for many investors. You also don't need to wait any longer to start investing because the required capital is low.
- Shariah-Compliant
Sukuk Negara Ritel is distinct from other instruments as it is a Sharia-compliant Government Bond, adhering to Islamic principles and free from usury practices.
This makes it a recommended option for investors who avoid usury. In today's world, it’s challenging to find investment instruments that are free from usury and compliant with Sharia principles, making Sukuk Negara Ritel a worthy option.
- Supports National Development
It is important to note that the returns from Sukuk Negara Ritel investments will be used for national infrastructure development. By investing in this instrument, you are supporting national development.
This is why investing in Sukuk Negara Ritel has various benefits, not only for investors but also for the country, which require funds for smooth infrastructure development.
Furthermore, if national development progresses well, investors themselves can enjoy the benefits. Infrastructure facilities will become more comprehensive, providing additional comfort for investors as citizens.
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Differences with Sukuk Tabungan
Besides Retail State Sukuk, there’s also Savings Sukuk. Here are some differences between Retail State Sukuk and Savings Sukuk:
- Investment Maturity Period
The first difference is in the investment maturity period. Specifically for Sukuk Negara Ritel, you can choose an investment maturity period of three or five years.
The offerings are quite different for Sukuk Tabungan. If you invest in Sukuk Tabungan, you will have the option of a two-year or four-year maturity period, which is shorter than the Sukuk Negara Ritel.
- Flexibility of Buying and Selling
The next difference lies in the flexibility of buying and selling. One of the characteristics of Sukuk Negara Ritel is that it is tradable, meaning it can be bought and sold on the secondary market.
This is a significant difference from Sukuk Tabungan, which cannot be traded. So, if you need an instrument that can be easily traded, Sukuk Negara Ritel is the right choice.
- Return Potential
When investing, you will certainly consider the potential return an instrument can offer. Sukuk Negara Ritel has a greater potential return compared to Sukuk Tabungan.
As an investor, you can earn capital gains through Sukuk Negara Ritel. These gains are achievable if you successfully sell the sukuk on the secondary market. The situation is different for Sukuk Tabunganholders, as these cannot be traded, meaning you won't have the opportunity to earn profits from selling them.
- Coupon Characteristics
Another difference between Sukuk Negara Ritel and Sukuk Tabunganlies in their coupon characteristics. The coupon or monthly return that investors receive from these two instruments also differs.
Sukuk Negara Ritel offers a fixed coupon, meaning you will receive the same return each month according to the agreed terms.
Meanwhile, Sukuk Tabungan does not offer a fixed value. Instead, the return from Savings Sukuk is floating with a floor, meaning it fluctuates with a minimum limit.
You can start your investment journey with DBS Treasures priority banking, which offers Sukuk Ritel investment instruments that you can use to achieve optimal returns.
Don’t hesitate to invest with DBS Treasures priority banking. Here, you can strategize to ensure the investment products perform well and that you can maximize Bond returns.
Additionally, you can diversify your funds across various asset types to reduce risk. You will also gain extensive knowledge about market analysis and current opportunities.
You will be supported by curated market analysis from a team of financial experts who will communicate it. Seize the latest opportunities that have been tailored to your risk profile and portfolio needs, driven by Artificial Intelligence/Machine Learning (AI-ML). This insight is equipped with curated solutions related to investment (Grow) and insurance (Protect), so you can quickly and confidently invest through your preferred media.
Moreover, you can use the digibank by DBS Application to carry out all your investment activities with Sukuk Ritel, from buying and selling to SID (Single Investor Identification) registration.
Don’t wait any longer; start investing in Shariah-compliant Government Bonds in the form of Retail Sukuk with DBS Treasures today! For more information, click here!
