Bonds are financial instruments issued by governments or corporations to raise funds from investors. In bond investing, investors provide loans to the bond issuer over a specified period of time in exchange for coupons that are paid regularly. Bonds are considered a more stable and secure investment alternative compared to stock investments. This is because bonds have a lower level of risk than stock investments.

Bond investment has a number of attractive benefits for investors. First, bonds provide fixed income in the form of coupons that are paid regularly so that they can be used as a stable source of passive income. Second, bonds have a selectable maturity so that investors can choose bonds with a maturity that suits their financial goals. In addition, bonds can also provide portfolio diversification which will reduce overall investment risk.

Currently, customers have the convenience of investing in SBN (Surat Berharga Negara) or special bonds for the primary market through the M2U ID App. The primary market is the market where new bonds are issued and sold to investors for the first time. By using the M2U ID App, customers can easily access the primary market and invest in bonds.

To invest in bonds through the M2U ID App, you only need to follow the steps in each of the following processes;

1.   Download M2U ID on your smartphone device.

2.  Register your SID on the M2U ID App. After successfully registering the SID, register for e-SBN. To find detailed information about SID and e-SBN registration, see the complete guide on this page.

3.   Order SBN on the M2U ID App by following these steps or you can click here for a guide to ordering SBN :

• Login to the M2U ID App then click the navigation menu in the upper left corner of the screen on the account view.
• Select 'Investment & Insurance'.
• Click the '+' button.
• Select 'SBN'.
• Choose and click the yellow ‘+’ button on the bonds product you would like to order. Click (i) to see product details
• Choose your Source of Fund from your registered accounts
• Input amount of bonds, then click ‘Continue’.
• Read and tick to agree to all terms then click 'Continue'.
• Verify the details of your order then click ‘Confirm & Request TAC’
• Verify your booking details then click 'Confirm & request TAC'.
• nput your Secure2u passcode/ TAC code.
• Your SBN order was successful. Then click 'Done'.

Ordering SBN through the M2U ID App has certain conditions and benefits. You can order SBN starting from a multiple of IDR 1 million. Information regarding the remaining national order quota and remaining investor quota is also available, so you can see the availability of bonds. In addition, the M2U ID App also provides redemption or bond sales facilities. The tenor for SBN redemption usually depends on the characteristics of the bond being invested.

In order to optimally take advantage of bond investment opportunities, it is important for you to monitor important dates related to SBN. By understanding the important dates, customers can make even better investment strategies. The following are important dates related to SBN for 2023:

Untuk memanfaatkan kesempatan investasi obligasi secara optimal, penting bagi Anda untuk memantau tanggal penting terkait SBN. Dengan memahami tanggal penting ini, nasabah dapat mengatur strategi investasi jadi lebih baik lagi. Berikut tanggal penting terkait SBN untuk tahun 2023:

• 19 January - 9 February 2023 :Saving Bond Ritel SBR012-T2 & SBR012-T4 (Period Ends)
• 3 - 29 March 2023 : Sukuk Ritel SR018 (Period Ends)
• 5-24 May 2023 : Sukuk Tabungan ST010 (Period Ends)
• 26 June - 20 July 2023 : Obligasi Negara Ritel ORI023 (2 series) (Ongoing Period)
• 8 August - 13 September 2023 : Sukuk Ritel SR019 (Upcoming Period)
• 9 October - 2 November 2023 : Obligasi Negara Ritel ORI024 ( 2 series) (Upcoming period)
• 3 - 29 November 2023 : Sukuk Tabungan ST011 (Upcoming Period)

f you have noted the date, why not start investing in bonds the easy way on the M2U ID App? Let's start investing with Maybank Indonesia and feel the convenience of investing in the M2U ID App now, it's easy in your hand!