Obligasi adalah surat utang yang diterbitkan oleh peminjam dengan pembayaran bunga tetap yang lebih tinggi daripada deposito bank. Pembayaran bunga tetap ini disebut dengan kupon, dan biasanya dibayarkan setiap semester. Setelah obligasi jatuh tempo, jumlah investasi total dikembalikan kepada investor. Terdapat berbagai macam obligasi yang diterbitkan pemerintah, BUMN, dan perusahaan swasta secara global. OCBC menawarkan berbagai macam obligasi, dari pasar di negara maju juga negara berkembang.
Obligasi kelas investasi
Obligasi dikategorikan ke dalam kelas investasi jika mendapatkan peringkat kredit ‘BBB- atau lebih tinggi’ dari Standard & Poor’s, atau ‘Baa3 atau lebih tinggi’ dari Moody’s. Secara umum, obligasi kelas investasi ditentukan oleh lembaga penilai sebagai obligasi yang cukup layak untuk memenuhi kewajiban pembayaran.
Obligasi hasil tinggi
Obligasi yang tidak dinilai sebagai kelas investasi (kelas non-investasi) dikenal dengan nama obligasi hasil tinggi.
Sebagai alokasi inti dan penting untuk portofolio investasi yang beragam, obligasi memberikan hasil yang menguntungkan bagi investor yang menginginkan pendapatan pasif. Jika Anda memiliki arus pembayaran tetap, investasi obligasi akan memberikan Anda keamanan untuk memenuhi pembayaran ini.
Anda akan mendapatkan:
Hasil lebih besar dibandingkan deposito bank
Pendapatan pasif yang stabil dari pembayaran bunga berkala
Portofolio yang lebih beragam
Berbagai pilihan jenis obligasi
Toleransi atas tingkat risiko tertentu, karena tidak ada jaminan pembayaran kupon dan pengembalian jumlah pokok
Pahami tentang syarat dan ketentuan yang menyertai obligasi
Dampak obligasi pada keseluruhan portofolio Anda di masa depan
Perubahan ekonomi dan faktor lain yang dapat memengaruhi penerbit obligasi
Investor dapat kehilangan seluruh atau sebagian investasi jika penerbit obligasi gagal melakukan pembayaran
Harga obligasi berbanding terbalik dengan suku bunga - suku bunga yang tinggi menyebabkan harga obligasi rendah, dan sebaliknya
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Trading in securities, futures and/or leveraged foreign exchange and borrowing to finance the trading of securities (leveraging/gearing) can be very risky, and you may lose all or more than the amount invested or deposited. Where necessary, please seek advice from an independent financial adviser regarding the suitability of any trade or investment product taking into account your investment objectives, financial situation or particular needs before making a commitment to trade or purchase the investment product. You should consider carefully and exercise caution in making any trading decision whether or not you have received advice from any financial adviser. If you choose not to seek independent financial advice, please consider whether the trade or product in question is suitable for you. For trading in leveraged securities and/or FX, the amount of initial margin is small relative to the value of the transaction. As such, the transaction is highly 'leveraged' or 'geared'. A relatively small market movement will have a proportionately larger impact on the funds you have deposited or will have to deposit; this can work in your favour or against you. You may sustain a total loss of the initial margin funds and any additional funds deposited with the firm to maintain your position. If the value of the collaterals declines substantially, falling below the maintenance margin requirement, or if the market moves against your position or margin levels are increased, you may be called upon to deposit substantial additional funds on short notice in order to maintain your position. If you fail to comply with a request for additional funds within the specified time, your position may be liquidated at a loss and you will be liable for any resulting deficit in your account. The information provided herein is intended for general circulation/discussion purposes only and may not be published or circulated (in whole/in part) without our written consent. It does not take into account the specific investment objectives, financial situation or particular needs (collectively "Objectives") of any particular person. This does not constitute an offer/solicitation to buy/sell/subscribe for any investment products or to participate in any particular trading or investment strategy. Any proposed transaction is subject to the final expression of the terms in the definitive agreement/confirmation. No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein should not be relied upon as such. We do not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. We shall not be responsible or liable for any loss or damage whatsoever arising directly/indirectly howsoever in connection with or as a result of any person acting on any information provided herein.