KONTAN.CO.ID - JAKARTA. Indonesia’s digital investment app, Bibit.id, has recently introduced a new product, Stable Earn, offering an alternative investment option for investors seeking stable short-term returns.

Stable Earn is Bibit’s new investment product characterized by a consistently upward and stable return graph when investors hold the product until maturity. This particular product has a tenure of only a few months, making it highly suitable for short-term investments. Currently, the available tenure for Stable Earn at Bibit is five months.

In terms of security, Stable Earn is fully guaranteed by the government, ensuring 100% safety. This assurance stems from Stable Earn's underlying asset, which comprises short-term government bond investment products guaranteed by the government. 

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Investors need not worry about investing in Stable Earn through Bibit, as the entire investment value is 100% government guaranteed without any maximum limit. Both the principal investment and its returns are guaranteed to be received by investors upon due date.

PR & Corporate Communication Lead of Bibit.id, William, stated that the introduction of Stable Earn serves as a solution for investors seeking to diversify their investment portfolios into short-term investment products. 

“Apart from long-term investment goals such as retirement funds and children's education funds, many investors on Bibit already have investment portfolios geared towards the short term. As such, Stable Earn is an excellent fit for short-term investments due to its consistently stable return graph upon maturity,” said William.

By investing in Stable Earn, the return on the day of purchase is a fixed return that investors will receive if they hold the investment until maturity. For instance, if they purchase Stable Earn on December 18th, 2023, they can potentially receive a return of 5.51% per annum should they hold the product until its maturity on May 15th, 2024.

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William added that aside from the assured returns and final investment value from purchase to maturity, Stable Earn offers several other advantages. Firstly, its returns surpass the average interest rates of state-owned bank deposits, which typically range from 3-4% annually. 

Secondly, unlike bank deposits, which are guaranteed only up to Rp2 billion per customer per bank, investments in Stable Earn are guaranteed by the government with no maximum limit since its underlying asset is Government Bonds. Thirdly, the tax rate for Stable Earn is only 10%, whereas deposit taxes amount to 20%.

Echoing on William's statement, Doddy Prayogo, an investor and influencer in the investment field, mentioned that Stable Earn is highly suitable for beginners due to its safety, attractive returns, and consistently upward and stable return graph. 

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The minimum purchase for Stable Earn is at Rp1 million. To acquire it through Bibit, users need to ensure their Bibit accounts are upgraded to Bibit Plus. Before making a purchase, users also need to deposit funds into their Customer Fund Account (RDN). From the Home page on the Bibit app, users can click on Explore and select the available Stable Earn investment product. 

The estimated time for Stable Earn purchases to complete is within 2-3 business days from when the user submits the purchase. Once the purchase is verified, it will automatically be included in the Stable Earn portfolio within the Bibit app.

Editor: Noverius Laoli