Government Securities (SBN) are increasingly attracting public attention as a safe and profitable investment instrument. Good news for investors, now investment in Secondary Bonds SBN can be done through M2U ID App. Let's discuss more about what Secondary Bonds SBN is, the difference between Primary Bonds SBN and Secondary Bonds SBN, and the potential benefits offered to Investors.

What is a Secondary Bonds SBN?

Secondary Market SBN is a market where SBN that have been previously issued in the primary market can be traded before maturity. In other words, investors have the flexibility to buy or sell SBN at any time as long as the securities have not matured.

This market allows Investors to sell their SBN holdings to other parties or buy SBN from other Investors at prices that are in line with market conditions. This provides higher liquidity and flexibility for investors.

Difference between Primary Market SBN and Secondary Bonds SBN

To understand further, here are the key differences between Primary Market SBN and Secondary Bonds SBN offered at Maybank.

Potential Capital Gain from Secondary Bonds Government Securities Investment

Investment in Secondary Bonds Government Securities provides an opportunity for investors to benefit in the form of Capital Gain. Capital Gain occurs when the selling price of SBN is higher than the price at the time of purchase.

In recent months, the current trend shows that the decline in interest rates affects the price of SBN in the secondary market. When interest rates fall, bond prices tend to rise. Why is this? A decline in interest rates causes the fixed coupon value of bonds to become more attractive than new instruments with lower coupons. As a result, the demand for SBN in the secondary bonds increases, which naturally raises the price of the SBN. By selling bonds during these market conditions, investors have the opportunity to make significant gains.

For example, imagine you buy a bond at 100% par. Some time later, market conditions improve and the price of SBN rises to 105%. If you decide to sell the bonds, you will get a capital gain of 5% from the initial value of your investment. This profit is certainly attractive, especially in the midst of dynamic economic and market fluctuations.

Potential Benefits of Bond Investment in the Secondary Bonds

Here are some of the potential benefits that you can get through bond investment in the secondary market:

1.   Capital Gain

Investors have the opportunity to gain profits by selling SBN above the purchase price when the market price increases.

2.  Fixed Coupon, Regular Passive Income

SBN provides fixed coupons that are paid periodically, creating a stable source of passive income.

3.   Safe & Guaranteed by the Government in Law

SBNs are issued by the Government of the Republic of Indonesia and guaranteed by law, thus providing a high level of security for investors.

4.   Diversification Benefits

SBN can be part of your investment portfolio to reduce risk and increase potential returns.

5.   Tradable

In the secondary bonds, SBN can be bought and sold at any time as long as it is not matured, providing liquidity flexibility for investors.

Types of Secondary Market Government Securities at Maybank

Maybank provides various types of SBN in the secondary market to fulfil your investment needs, namely:

• SBN (Government Securities)
  1. ORI (Retail Government Bonds)
  2. FR (Fixed Rate)
  3. INDON (Indonesian Government Bonds in USD currency)


• SBSN (State Sharia Securities)
  1. SR (Retail Sukuk)
  2. PBS (Project Based Sukuk)
  3. INDOIS (Global Sukuk)

More information about these products can be found here.

Benefits of Secondary Market SBN Investment via M2U ID App

Investing in Secondary Market SBN is now even easier with the excellent features available on the M2U ID App, including:

• Buy and Sell in the palm of your hand via M2U ID App (mobile banking)

  SBN transactions can be done quickly and easily through the M2U ID App, anytime and anywhere. Secondary Market SBN Selling and Buying Guide through M2U ID App, you can visit this page.

• Can be purchased starting from IDR 1 million

  With an affordable nominal starting from IDR1 million (one million Rupiah), you can start investing in Secondary Market SBN on the M2U ID App. If you are a beginner investor, this makes it easy for you to start investing without having to wait to have large capital to invest in Secondary Market SBN.

Minimum purchase of IDR 1 million Secondary Market SBN in M2U ID App is available for product types such as Fixed Rate (FR), Retail Government Bonds (ORI) and Retail Sukuk (SR). More information about the products can be found on this page.

• Competitive and Real-Time Pricing

  M2U ID App provides competitive pricing information and is updated in real-time, ensuring you get the latest information for every investment decision.

• Yield to Maturity Calculation Available

  M2U ID App displays estimated yield to maturity, providing a clear view of your potential investment returns.

• Free Transaction and Custodian Fees

  SBN transactions in M2U ID App are not subject to additional fees, thus providing more value for investors.

Let's switch to safe and profitable investment with Secondary Market SBN through M2U ID App. Experience the ease of transactions with advanced features designed to provide convenience and flexibility in every investment step.

For more information and guidelines on SBN transactions via M2U ID App, you can visit the SBN transaction guide.