A wide range of investment instruments is currently available, from bonds, stocks, and gold to real estate. Given these diverse options, it is wise for investors to diversify to optimize returns and minimize risk. Diversification involves allocating funds across multiple investment instruments — following the expression "don't put all your eggs in one basket." This approach allows losses in one instrument to be offset by the performance of others, resulting in a more stable investment portfolio. 

One attractive and safe option for diversification is government bonds issued by the Indonesian Government through the Ministry of Finance which is Surat Berharga Negara (SBN). Investing in SBN Ritel is attractive because it offers monthly coupon payments and is safe because the repayment of both principal and coupons is guaranteed by law. For interested investors, the Indonesian Government is offering the newest SBN which is Savings Bond Ritel (SBR) series SBR015 and is available in two tenors (maturities) as follows: 

• SBR015T2 with a 2-year maturity and a coupon rate of 6,75% per year which can be ordered starting from IDR1 million to IDR5 billion. 
• SBR015T4 with a 4-year maturity and a coupon rate of 6,85% per year which can be ordered starting from IDR1 million to IDR10 billion. 

Please note that funds invested in SBR015 cannot be withdrawn at any time; withdrawals are only possible during specific periods or upon maturity. Therefore, investors should ensure that the capital used is not money set aside for emergencies or daily living expenses. However, SBR015 features a floating coupon rate with a "floor." This means the coupon rate may fluctuate in line with the BI Rate but will never fall below the rate established at the time of issuance. Thus, investors can enjoy passive income with the potential for increased returns, even though the principal amount remains locked until maturity. Furthermore, by investing in SBR015, you also contribute to national development, as the funds raised will be used for various government projects. 

So, what are you waiting for? Let's start making SBR015 part of your investment diversification strategy! Order SBR015 now via the Investment feature on the myBCA app or the KlikBCA website because the offering period is only open until October 22, 2026! 

For more information, please contact Halo BCA at 1500 888 extension 4 for investment services or mention X official account @HaloBCA.