Savings is the very basic type of investment.. Kids, teenagers, single or married couple, elders, all of them must have savings.. ^^ The lowest risk (Indonesia's government guarantee 100Million Rupiah Max Redemption per account if the banks collapse suddenly).. But it generates a small return..
Example Source : BCA (www.klikbca.com)
| >= Rp 1.000.000 - <> | 2,00 |
| >= Rp 10.000.000 - <> | 2,50 |
| >= Rp 100.000.000 - <> | 2,75 |
| >= Rp 1.000.000.000 | 4,00 |
So little huh? But you can do anything with savings.. Instant withdrawal, instant merchant transaction, mobile banking, internet banking, are all generated from this account =) (In other words, we call it VERY LIQUID Investment) ..
Deposits?
I don know how to explain it in a right way.. But let' say, in deposits, investors freeze the account into a limited timeframe (1,3,6,12 Months) in exchange for the better interest rates than savings account.. Every bank has different interest rates, so be sure to know where to open an deposits account!
Example Source : BCA (www.klikbca.com)
| Mata Uang | Jangka Waktu (bulan) | |||
| 1 | 3 | 6 | 12 | |
| IDR <> | 5,50 | 6,00 | 6,00 | 6,50 |
| IDR 1M - <> | 6,00 | 6,00 | 6,00 | 6,50 |
| IDR >= 5M | 6,00 | 6,00 | 6,00 | 6,50 |
- This post is created just for learning purpose only -
- Disclaimer -
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