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Investment is the activity of "buying" something that is expected to be "resold" in the future at a higher value

What's the investment?

The reason we should invest is to increase the value of your assets and beat the inflation rate.

Why should I invest?

<table style="height: 378px;" width="865">
<tbody>
<tr>
<td width="149"><strong>Product</strong></td>
<td width="83"><strong>Return Rate</strong></td>
<td width="85"><strong>Risk Level</strong></td>
<td width="135"><strong>Risk Potential</strong></td>
</tr>
<tr>
<td width="149">Deposit</td>
<td width="83">Low</td>
<td width="85">Low</td>
<td width="135">Return below the rate of inflation</td>
</tr>
<tr>
<td width="149">Bond</td>
<td width="83">Low – Medium</td>
<td width="85">Medium</td>
<td width="135">Failed to pay</td>
</tr>
<tr>
<td width="149">Share</td>
<td width="83">Low – High</td>
<td width="85">High</td>
<td width="135">High volatility</td>
</tr>
<tr>
<td width="149">Money Market Mutual Funds</td>
<td width="83">Low</td>
<td width="85">Low – Medium</td>
<td width="135">Return below the rate of inflation</td>
</tr>
<tr>
<td width="149">Fixed Income Mutual Funds</td>
<td width="83">Low – High</td>
<td width="85">Medium – High</td>
<td width="135">Failed to pay</td>
</tr>
<tr>
<td width="149">Stock Mutual Funds</td>
<td width="83">Low – High</td>
<td width="85">Medium – High</td>
<td width="135">High volatility</td>
</tr>
</tbody>
</table>

What are the characteristics of financial investment products?

A financial instrument that indicates ownership in a company.

What are stocks?

<ul>
 	<li>Transparent</li>
 	<li>Have Markets</li>
 	<li>Have voting rights</li>
 	<li>Capital Gain (the difference from the selling price which is higher than the buying price)</li>
 	<li>Dividends (part of the company's profits distributed to shareholders)</li>
</ul>

What are the advantages of investing in stocks?

<ul>
 	<li>Price fluctuation</li>
 	<li>Capital Loss (difference from selling price which is lower than buying price)</li>
 	<li>Suspend (termination of stock trading by BEI temporarily)</li>
 	<li>Delisting (release of shares from the list on the IDX listing)</li>
</ul>

What are the risks of investing in stocks?

After you have a securities account, you can transact shares at the following hours:
<table width="100%">
<tbody>
<tr>
<td width="20%"><strong>Day</strong></td>
<td width="20%"><strong>PRE-OPENING</strong></td>
<td width="20%"><strong>Session 1</strong></td>
<td width="20%"><strong>Session 2</strong></td>
<td width="20%"><strong>PRE-CLOSING</strong></td>
</tr>
<tr>
<td width="20%">Monday – Thursday</td>
<td rowspan="2" width="20%">08:45:00 – 08:59:59 WIB</td>
<td width="20%">09:00:00 – 12:00:00 WIB</td>
<td width="20%">13:30:00 – 15:49:59 WIB</td>
<td rowspan="2" width="20%">15:50:00 – 16:15:00 WIB</td>
</tr>
<tr>
<td width="20%">Friday</td>
<td width="20%">09:00:00 – 11:30:00 WIB</td>
<td width="20%">14:00:00 – 15:49:59 WIB</td>
</tr>
</tbody>
</table>

When can the stock transaction?

Online trading is a stock trading system provided by BNI Sekuritas that allows customers to make transactions to buy and sell shares independently without going through sales staff.

What is online trading?

You can choose 3 types of securities accounts at BNI Sekuritas, namely:
<table width="100%">
<tbody>
<tr>
<td width="25%"></td>
<td width="19%"><strong>REGULER</strong></td>
<td width="27%"><strong>SYARIAH + R</strong></td>
<td width="28%"><strong>MARGIN + R</strong></td>
</tr>
<tr>
<td width="25%">Tradeable</td>
<td width="19%">All stock</td>
<td width="27%">Sharia (per 6 bulan)</td>
<td width="28%">Marginable (per bulan)</td>
</tr>
<tr>
<td width="25%">Initial deposit</td>
<td width="19%">1 Million online

5 Million hybrid</td>
<td width="27%">1 Million online

5 Million hybrid</td>
<td width="28%">200 Million</td>
</tr>
<tr>
<td width="25%">Debt settlement</td>
<td width="19%">T+5</td>
<td width="27%">–</td>
<td width="28%">90 day</td>
</tr>
<tr>
<td width="25%">Debt Interest</td>
<td width="19%">36% p.a</td>
<td width="27%">–</td>
<td width="28%">18% p.a</td>
</tr>
</tbody>
</table>

What securities accounts are offered?

The following are the steps to open a securities account at BNI Sekuritas
<ol>
 	<li>Register your data on the page: bnisekuritas.co.id/regonline</li>
 	<li>Print, add stamp 6000 and sign in the required fields</li>
 	<li>Attach photocopies of KTP and NPWP, send to:
<strong>BNI Securities</strong>
<strong>Sudirman Plaza, Indofood Tower 16th floor</strong>
<strong>Jl. Gen. Sudirman Kav 76-78</strong>
<strong>Jakarta 12910</strong></li>
</ol>

How do I open an account?

SID (Single Investor Identification) is the single number for Indonesian capital market investor identity issued by KSEI

RDN (Customer Fund Account) is a fund account at an administrative bank on behalf of the customer (separate from the securities account) used for the purpose of settling stock transactions

SRE (Securities Sub Account) is a securities account that is used to store a portfolio of shares on behalf of a customer that is registered at KSEI

AKSes Card (Security Ownership Reference) is an investor identity card issued by KSEI to provide investor protection by increasing information transparency on their investment portfolio stored in KSEI. Please visit the page http://access.ksei.co.id/info/faq for more information

What is SID, RDN, SRE and Access Card?

<ul>
 	<li>For hybrid services (register directly at the branch), the transaction will be assisted by sales. Customers can communicate with sales via whatsapp. The transaction fee for buying is 0.25% and selling is 0.35% with an initial deposit of Rp. 5,000,000.-. Account opening can be done by visiting the nearest BNI Sekuritas branch by bringing your KTP, passbook cover, and NPWP (if any). or via the web: https://www.bnisekuritas.co.id/onlinetrading/registrasi/.</li>
 	<li>For full online services, transactions are carried out by customers themselves. The transaction fee for buying is 0.17% and selling is 0.27% with an initial deposit of IDR 1,000,000 and there is an initial deposit promo for online registration of IDR 100,000. Account opening can be done by registering online via the web: https://www.bnisekuritas.co.id/onlinetrading/registrasi/.</li>
</ul>

What's the difference between online and hybrid services?

To withdraw funds, customers can do it in 2 ways:
<ol>
 	<li>Using the BIONS application</li>
</ol>
Customers can log in to the BIONS application &gt; click the person symbol in the upper right corner &gt; select the "cash withdraw" menu
<ol start="2">
 	<li>Using the withdrawal form</li>
</ol>
To get a fund withdrawal form, customers can download the form on our website https://www.bnisekuritas.co.id/2018/02/01/formulir-pemindahan-dana/ . Please fill out the form completely, send the form to email customercare@bnisekuritas.co.id

How to withdraw funds?

Customers can contact the following points of contact:
<ol>
 	<li>BNI Sekuritas call center 021-25543946</li>
 	<li>Email BNI Sekuritas customer service cmm@bnisekuritas.co.id</li>
 	<li>NIShare (whatsapp) 0811-1086-360</li>
</ol>

If there is a problem, where should I go?

User ID, password and PIN to access the online trading system will be provided via email when the customer's securities account is active. Changing a password will not automatically replace your PIN because passwords and PINs are two different things. Passwords are used to access IDX market info while PINs are used to access customer account data and make transactions. The customer's User ID will automatically be suspended if the customer enters the wrong password 10 times in a row.

About User ID, Password and PIN

Mutual Funds are a forum used to collect funds from the Investor community to be subsequently invested in Securities portfolios by Investment Managers (Capital Market Law number 8 of 1995

What is mutual fund?

BNI Sekuritas already has a license as a mutual fund selling agent. BNI Sekuritas customers can make mutual fund transactions through the Mutual Unity system

Is it possible to transact mutual funds through BNI Sekuritas?

Sir/Madam, please log in to the BIONS application, then please select the Fund menu &gt; After clicking on the Fund menu, a list of mutual fund products will appear &gt; Select the mutual fund process to be purchased &gt; then click the "subscribe" menu.

I am a customer of BNI Sekuritas, how can I access Mutual Unity?

That's right, the RDI on a mutual fund account is the same as the RDI on a stock account

Is the RDI on a mutual fund account the same as the RDI on a stock account?

You must first fill out the registration form here

I am not yet a BNI Sekuritas customer, how can I buy mutual funds?

<ul>
 	<li>Subscriptions (mutual fund purchases) are cash-based, that is, they will take funds that are already goodfunded on that day (not funds that will mature at T+3)</li>
 	<li>Redemption proceeds (resale) will automatically be transferred to RDI</li>
 	<li>The cutoff time for Subscription and Redemption transactions to be able to use NAV on the same day is 12.00 WIB</li>
</ul>

What are the things that must be considered in transacting mutual funds at BNI Sekuritas?

Yes, BNI Sekuritas works with Investment Managers to provide training on mutual funds products. Information on the training schedule will be emailed to the customer 2 weeks before the implementation.

Does BNI Sekuritas provide training on mutual fund products?

Asset Backed Securities (EBA) in the form of Participation Letters (SP) are securities consisting of a group of KPR issued through a securitization process so that they become fixed income investment instruments that can be transacted on the secondary market, in other words buying EBA SP Retail is the same as buying KPR bills from banking.

What is EBA SP Retail?

EBA SP Retail is a fixed income investment instrument so that its characteristics are almost like bonds. The basic difference between EBA SP Retail and Bonds is that EBA SP Retail has a principal amortization that will be paid together with the coupon payment period (every 3 months).

What are the characteristics of EBA SP Retail?

The risk of EBA SP Retail is the risk of price fluctuations in the secondary market caused by changes in interest rates, as well as the risk of early repayment of mortgages which can affect the yield received by investors.

What are the potential risks?

<ol>
 	<li>As an alternative investment with attractive coupons</li>
 	<li>The risk of default is low because the risk is divided into many mortgage claims, and there is a very strict mortgage selection process during the securitization process (AAA rating).</li>
 	<li>Tradable on the secondary market with T+1 settlement</li>
 	<li>Affordable transaction value (minimum IDR 100,000)</li>
 	<li>There is cash flow from coupon payments and principal amortization</li>
</ol>

What are the benefits for investors?

EBA SP Retail can be transacted on the BIONS Application and Desktop by using the same Securities Account (UserID, Password and PIN) as stock and mutual fund transactions. EBA SP Retail transaction guide can be downloaded at https://www.bnisekuritas.co.id/download/#guide

How to do the transaction?

How is the transaction simulation?

Statements and general information regarding how orders are received, processed and executed through electronic communication media

Customers can contact BNI Sekuritas Customer Care at 14016 or email to customercare@bnisekuritas.co.id

The customer will receive notification of a problem at the time of the incident (H+0) via email or on the announcement menu in the company's online trading system

Notification in a timely manner regarding the occurrence of system problems either via electronic mail (email), website (website) or other media

BNI Sekuritas Call Center at telephone number 14016 or email to customercare@bnisekuritas.co.id

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Investasi itu apa?

Mengapa saya harus investasi?

Bagaimana karekteristik produk investasi keuangan?

Saham itu apa?

Apa saja keuntungan dari investasi saham?

Apa saja risiko investasi saham?

Kapan bisa transaksi saham?

Online trading itu apa?

Rekening efek apa saja yang ditawarkan?

Bagaimana cara membuka rekening?

Apa itu SID, RDN, SRE dan Kartu Akses?

Apa bedanya layanan online dan hybrid?

Bagaimana cara menarik dana?

Apabila terdapat kesulitan, saya harus kemana?

Tentang User ID, Password dan PIN

Reksadana itu apa ?

Apakah dapat bertransaksi reksadana melalui BNI Sekuritas ?

Saya merupakan nasabah BNI Sekuritas, bagaimana caranya supaya dapat mengakses Mutual Unity ?

Apakah RDI pada rekening reksadana sama dengan RDI pada rekening saham ?

Saya belum menjadi nasabah BNI Sekuritas, bagaimana caranya supaya dapat membeli reksadana ?

Apa saja hal-hal yang harus diperhatikan dalam bertransaksi reksadana pada BNI Sekuritas ?

Apakah BNI Sekuritas memberikan pelatihan produk reksadana ?

EBA SP Ritel itu apa?

Bagaimana karakteristik EBA SP Ritel?

Bagaimana potensi risikonya?

Apa benefitnya bagi investor?

Bagaimana cara transaksinya?

Bagaimana simulasi transaksinya?

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