Money Market Mutual Funds because they will not be taxed on this instrument, the name of the tax applies to the investment results received, until now the tax on dividends in the form of dividends from the sale of mutual fund units in indonesia is exempt from tax, but must still be reported in the annual tax return
State Securities surat Berhad in which there are several products such as ORI, SR, and suksuk taxed on income of 10%
examples
Funds of 8,000,000 assuming a coupon of 6% per annum then
annual coupon
Rp 8,000,000 × 6% = Rp480, 000
then the tax on income of
Rp480, 000 × 10% = Rp48, 000
net profit per year
Rp480, 000-Rp48, 000 = Rp432, 000
monthly net profit
Rp 432,000 / 12 = Rp 36,000
Comparison Of Net Results
Instruments
Monthly interest
Taxes
Net Profit
Term Savings
Rp20, 000
Not taxable
Rp 20.000 / month
Deposit
Rp 26,667
Rp 5,333 / month
Rp 21,334 / month
Money Market Mutual Funds
IDR 400,000
Tax free
Rp 400.000 / year
Government securities (SBN)
IDR 480,000
Rp48, 000/year
Rp 432.000 / year
English: many new terms that exist in the field of Finance, now appears a new term kontnn investment is one option mrirpi with short-term investment whose main orientation as a short-term savings or emergency Danda biasanay form of cash, tabugnan futures, deposits, money market mutual funds, and state securities with consideration of liquid assets can be taken when needed, and relatively safe we discuss some
term savings savings that are made specifically to assist the community in collecting discipline continuously where interest is higher than ordinary savings, are the most liquid and least risky term cash, usually used for emergency funds when needed can be taken
deposit is a form of investment that is often used by the public with fixed interest in accordance with the provisions of the BI Rate with a fixed term ranging from 1, 3, 6 to 1 year, but if found before the maturity date will be charged a penalty fee
money market mutual funds one investment instrument that focuses on the money market with low risk can be withdrawn when it is easy to withdraw at any time but with a lack of interest that fluctuates up and down
government securities an investment instrument made by the government, which provides coupons or interest that is stable and regular, and can be taken after 2 to 5 years, but investors can apply for early disbursement after 1 to 2 years that is suitable for short and medium term investment purposes
benefits of cash investments
as an emergency fund investment cash instruments are suitable for use as emergency funds to be withdrawn at any time without having to sell long-term investment assets
meet short-term goals a form of investment that is suitable for the needs of the near future such as children’s education, health funds, vehicle repairs or home improvements
maintain liquidity a high level of liquidity makes it easy to withdraw assets at any time without complicated processes
things to consider before investing
determine investment goals such as emergency savings funds for repairs and vehicle purchases
risk tolerance we make sure the risk we face in accordance with our capacity, although biasnay low risk we should consider the deadline for disbursement atapun risk of interest fluctuates
hasi returns that can ensure the profit potential of some of these instruments have a rate of return as we expect with consideration of the length of time the money will be managed and the risk of fluctuating interest
The ideal amount and the right time to invest
the ideal amount depends on the lifestyle of the individual kebuthann also leave 6 to 12 times the expenditure bualnan, if at any time there is a problem with the company we work like mass layoffs we still have a handle for 1 year ahead the more the better for the future, it should be noted when our income rises we still have to
taxes and legality of investment cash instruments
Term savings for this instrument is subject to income tax from interest earned at a rate of 20% of the profit with a minimum amount received more than 240,000 per month
examples
calculation for 8,000,000 Funds, 3% interest per year
then
monthly interest
Rp 8,000,000×3%12 = Rp 20,000
Since interest is below Rp 240,000 per month, it is not subject to tax.
Taxable deposits are similar to savings deposits, which are 20% of the customer’s perbuian interest, the tax is applied to customers who have deposits greater than 7,500,000
examples
tax on interest on deposits with funds of 8,000,000 with the assumption of 4% interest per year
Rp 8,000,000×4%12 = Rp 26,667
since the value of depostio is greater than 7,500,000, it is taxed at 20%
then
Rp26, 667×20%=Rp5, 333
Net interest per