A Guide to Investing in Government Bonds (SBN) 2026: A Strategy for Passive Income in Difficult Times
This year is a crucial period for retail investors in Indonesia. Amidst global economic fluctuations and a downward trend in the benchmark interest rate (BI Rate) at 4.75%, Government Bonds (SBN) have emerged as a solution for investment portfolios. With a 100% guarantee from the state, SBN is not just a place to park funds, but a machine for generating stable passive income.
Many investors ask, why choose SBN when the stock market or crypto offers greater profit potential? The answer lies in certainty. Here are the main advantages of investing in SBN in 2026:
The government plans to issue eight series of SBN throughout 2026. Here is the complete schedule:
Let’s examine a real simulation of the profit from investing in ORI compared to a bank deposit for IDR 100 million:
Bank Deposit (4.25% p.a. interest):
Net Profit per Year: IDR 3,400,000 (after 20% tax)
ORI029 6-Year Tenure (5.80% p.a. coupon):
Net Profit per Year: IDR 5,220,000 (after 10% tax)
The net profit from ORI is almost twice as high as the interest from a bank deposit, making it a smart choice for passive income.
Can the principal investment in SBN be lost?
No. Your principal is 100% guaranteed by the state through law.
What is the minimum investment in SBN 2026?
The minimum investment starts from IDR 1,000,000.
DISCLAIMER
This article was processed and compiled by artificial intelligence (AI) and has undergone an editing and fact-checking process by the editorial team.
See the complete 2026 SBN Retail release calendar from the Ministry of Finance. Find the ORI, SR, SBR, and ST schedules and tips to maximize low 10% tax profits.
Check the complete 2026 SBN schedule (ORI, SR, ST, SBR). A guide to safe investment strategies with state guarantees for maximum monthly passive income.
Check the complete 2026 SBN schedule (ORI, SR, ST, SBR). A guide to safe investment strategies with state guarantees for maximum monthly passive income.
Amidst global market uncertainty and fluctuating investment instruments, many people are starting to look for more stable, transparent, and accessible options.