2026 Government Bond Investment Calendar: Complete Schedule and Strategies for Maximising Returns
As we enter 2026, Government Bonds (SBN) continue to be a favourite instrument for investors seeking high levels of security. With a 100% guarantee from the government through the State Budget Law, SBN offers a much more stable investment alternative compared to stocks or crypto, but with more competitive returns than conventional deposits.
The Ministry of Finance has planned at least eight issuances of SBN Retail throughout 2026. For those of you who want to build a passive income portfolio, understanding this release calendar is a crucial first step.
Based on data from the Directorate General of Financing and Risk Management (DJPPR), here is an estimated schedule for SBN Retail offerings in 2026:
*The schedule is tentative and subject to change in accordance with the policy of the Ministry of Finance.
Retail Government Bonds (ORI) remain a favourite due to their tradable nature, meaning they can be sold on the secondary market. If you need emergency funds before the tenor period ends (usually 3 or 6 years), you can sell them through distribution partners.
The main advantages of ORI in 2026 include:
Many novice investors are confused about choosing the right series. In simple terms, the division is as follows:
To maximise profits, do not put all your capital into one series. Use a Laddering strategy. For example, allocate your capital to ORI029 at the beginning of the year and SBR015 at the end of the year. This way, you have a diversified tenor and coupon type that keeps monthly cash flow stable.
SBN Retail 2026 is a smart Safe Haven instrument in the midst of global economic dynamics. With lower taxes and an absolute state guarantee, there is no reason for retail investors to miss this opportunity. Make sure you note the offering dates so you don’t run out of the national quota.
- Can SBN investments lose money?
The risk of default is almost zero because it is guaranteed by law. The risk only occurs if you sell ORI/SR on the secondary market when the price is down (capital loss).
- What is the minimum investment in SBN?
It is very affordable, starting from IDR 1,000,000 to a maximum of IDR 5 billion - IDR 10 billion per series.
- When are SBN coupons paid?
Coupons are automatically transferred to your account every month, usually on the 10th or 15th.
- Are Sharia SBN (Sukuk) only for Muslims?
No. All Indonesian citizens, regardless of religion, can invest in Retail Sukuk or Savings Sukuk. (I-2)