Biaya Investasi Tersembunyi

Yang saya bahas disini mungkin memang hanya biaya-biaya kecil yang tidak berarti bagi sebagian besar orang. Tetapi, apabila anda seseorang yang teliti dan ingin mengeliminasi sekecil apapun biaya yang ada di hidup anda, terutama yang terkait dengan investasi, maka mungkin tulisan ini bisa menjadi checklist yang tepat.

Deposito

biaya deposito
Biaya Deposito

Pajak Final

Pajak 20 persen langsung dipotong pihak bank saat memberikan anda bunga deposito, jadi hanya perlu dilaporkan di akhir tahun tanpa ada potongan lagi berapapun jumlahnya. 20 persen ini sebenarnya tergolong tinggi dibandingkan investasi lainnya!

Bagaimana menghindarinya?

Tidak bisa. Sekalipun anda mau nakal dengan tidak melapor pajak, bunga deposito sudah dipotong didepan. Cara satu-satunya hanya dengan memilih instrumen investasi lainnya dengan pajak yang lebih rendah, misalnya obligasi negara (15%) dan reksadana pasar uang (belum menjadi objek pajak).

Penalti Pencairan Sebelum Jatuh Tempo

Beberapa bank kolot dan konvensional masih menerapkan denda atau penalti bila anda mau mencairkan deposito anda sebelum jatuh tempo. Penalti ini ada yang dikenakan dalam bentuk persentase maupun sejumlah pasti.

Bagaimana menghindarinya?

Jangan pernah mencairkan deposito sebelum jatuh tempo. Pastikan uang yang anda taruh di deposito benar benar ‘uang nganggur’ yang tidak diperlukan dalam waktu singkat.

Atau, bukalah deposito di bank yang tidak mengenakan penalti pencairan deposito seperti BCA dan Jenius. Atau lebih baik lagi, pilih reksadana pasar uang yang memiliki retur sejenis deposito namun bisa dicairkan kapan saja.

Biaya Transfer Saat Penyetoran dan Pencairan

Apabila anda membuka deposito menggunakan dana dari bank yang tidak sama, anda mungkin terkena biaya transfer antar bank. Demikian juga ketika anda mencairkan deposito tersebut, mungkin bank tempat anda membuka deposito tersebut akan mengenakan biaya transfer, namun ada juga bank yang menggratiskan biaya ini.

Bagaimana menghindarinya?

Saya selalu merekomendasikan untuk membuka deposito di bank yang memang anda sudah punya rekeningnya disana, atau setidaknya transfer dari rekening yang memiliki fitur bebas biaya transfer.

Biaya Materai

Kebanyakan bank masih mengenakan biaya materai saat pembukaan deposito, kecuali deposito dibuka secara online tanpa tanda tangan basah. Biasanya sih kalau anda dekat dengan pihak bank atau nilai depositonya besar mereka akan menggratiskan biaya materai ini.

Bagaimana menghindarinya?

Buka deposito secara online. Apabila memang membuka di cabang bank, bawa materai sendiri. Bila anda dekat dengan staf cabangnya, rayu saja mereka agar diberikan gratis.

Reksadana

biaya reksadana
Biaya reksadana

Biaya Pembelian dan Penjualan

Kebanyakan fintech memang tidak lagi mengenakan biaya ini. Tapi apabila anda membeli reksadana di bank dan APERD (agen penjual reksadana), maka beberapa produk (biasanya selain reksadana pasar uang) akan dikenakan biaya pembelian dan penjualan.

Belum tentu semua produk dikenakan biaya penjualan dan pembelian secara bersamaan. Bisa jadi produk tersebut hanya mengenakan salah satu dari biaya pembelian atau penjualan.

Penting bagi anda untuk mencari tahu lebih dahulu apakah produk yang akan anda beli mengandung biaya tersebut dan berapa besar persentase nya. ada yang mengenakan biaya pasti setiap pembelian misalnya Rp5.000 per transaksi, dan ada juga yang mengenakan persentase misalnya 0.5 persen dari nominal yang anda beli.

Bagaimana menghindarinya?

Pilih saja APERD yang tidak mengenakan biaya beli dan jual sama sekali. Hampir semua yang saya tinjau dalam artikel ini tidak mengenakan biaya pembelian dan penjualan,

Biaya Manajemen Aset atau Komisi Manajer Investasi

Kalau biaya yang satu ini sih rasanya sudah tidak mungkin bisa dihindari lagi karena produk apapun dari manajer investasi apapun pasti mengenakan biaya ini. Logikanya, tanpa biaya ini, manajer investasi tidak dapat apa-apa dong saat mengembangkan uang anda. Jadi jelas mereka memerlukan uang ini untuk kelangsungan hidup mereka.

Namun jangan khawatir, sebenarnya biaya ini tidak bisa anda lihat atau hitung karena langsung dipotong dari kenaikan NAV unit anda.

Satu hal yang pasti, bahwa semakin tinggi risiko produk reksa dana yang Anda ambil biasanya biaya ini akan lebih tinggi juga. Misalnya dalam Reksadana saham tentu sang manajer investasi harus sering memantau pergerakan nilai saham yang ada di Reksadana tersebut sehingga waktunya habis lebih banyak untuk meneliti harga saham atau mencari saham lain yang bagus untuk dibeli. Hal tersebut yang membuat biaya manajemennya jadi lebih mahal.

Bagaimana menghindarinya?

Tidak bisa. Tidak bisa. Tidak bisa. Titik. Kalau ini ga ada, manajer investasinya mau makan apa?

Mentok-mentok anda hanya bisa memilih reksadana yang biaya manajemennya paling kecil. Di Bibit, anda bisa melihat indikator bernama expense ratio. Di APERD lain, anda perlu mengunduh fund fact sheet untuk tahu berapa management fee yang dikenakan.

Potongan Biaya Transfer saat Penjualan

Untuk menghindari potongan transfer bank yang dikenakan oleh bank kustodian saat mencairkan reksadana agak sulit dihindari. Cara terbaik untuk menghindari biaya ini adalah dengan membeli produk reksadana yang bank kustodian nya sama dengan rekening bank kita. Informasi perihal bank kustodian bisa dengan mudah ditemukan dalam fund fact sheet atau prospektus produk yang anda pilih.

Bagaimana menghindarinya?

Dengan memilih reksadana yang memiliki bank kustodian sama dengan rekening bank anda. Beberapa APERD juga punya rekening penampung global, misalnya Ajaib selalu menerima pembayaran dan mentransfer hasil penjualan dari bank BCA, sehingga bila rekening bank anda BCA tentu tidak kena potongan. Di Bibit, setiap produk reksadana memiliki bank penampung yang berbeda-berbeda dan informasinya bisa dilihat secara jelas.

Biaya Transfer saat Pembelian

Yang ini sih benar-benar jarang terjadi. Biaya ini hanya bisa terjadi apabila anda menggunakan bank berbeda dengan bank rekening penampung reksadana tersebut. Misalnya di Ajaib semua rekening penampung reksadana menggunakan Bank BCA jadi jelas saja bila anda melakukan transfer dari bank lain menuju BCA mungkin kena biaya transfer.

Bagaimana menghindarinya?

Gunakan saja bank yang tidak mengenakan biaya transfer. Sudah banyak sekali.

P2P (Peer-to-Peer) Lending

biaya p2p lending
Biaya p2p lending

Biaya Transfer Setoran

Sama seperti yang dibahas diatas, cukup gunakan bank yang tidak mengenakan biaya transfer untuk menghindari hal ini.

Biaya Transfer Penarikan

Kalau ini lebih sulit menghindarinya, karena setiap P2P lending memiliki bank yang berbeda-beda yang mereka gunakan untuk mencairkan dana anda. Satu – satunya cara menghindari biaya ini adalah dengan membuka rekening baru yang bank nya sama dengan P2P lending tersebut. Namun ingat, apabila anda melakukan hal ini mungkin anda menambah biaya admin bulanan yang dikenakan rekening baru anda.

Pajak Penghasilan

Namanya return pasti dikenakan pajak, tak terkecuali P2P lending. Retur dari P2P lending seharusnya masuk dalam kategori “penghasilan lain-lain” saat anda melaporkan pajak di akhir tahun finansial. Beberapa P2P lending ‘aneh’ seperti Investree sudah memotong pajak di awal dan memberikan anda bukti potong. Cukup laporkan bukti potong tersebut untuk menunjukkan bahwa retur anda sudah dipotong pajak.

Bagaimana menghindarinya?

Kalau anda nekat, tidak usah dilaporkan. Tapi jangan dong ya, kita harus jujur dan mendukung pendapatan negara 🙂

Komisi Penyelenggara

Sama seperti biaya manajemen investasi di reksadana, biaya ini esensial untuk kelangsungan hidup si P2P lending dan tidak bisa dihindari sama sekali. Mentok-mentok anda hanya bisa memilih P2P lending yang mengenakan komisi paling kecil diantara yang lainnya. Jadi anda perlu main sedikit hitung-hitungan, yaitu retur yang dijanjikan dikurangi komisi yang akan langsung dipotong dari retur anda.

Biaya Asuransi

Seperti yang saya pernah bahas di artikel ini, beberapa P2P lending memberlakukan asuransi sebagai salah satu bentuk perlindungan modal investasi anda. Beberapa P2P lending mewajibkan lender untuk membeli asuransi, beberapa lainnya membuat hal ini opsional, dan beberapa lainnya malah memberikan asuransi secara ‘gratis’ kepada lender. Saya menulis kata ‘gratis’ dalam tanda kutip karena tentu saja sebenarnya premi asuransi nya dibayarkan oleh anda sendiri melalui potongan retur yang mungkin tidak anda sadari.

Saham

biaya saham
Biaya saham

Komisi makelar

Anda sudah tahu apa yang akan saya tulis disini bukan? Ya, biaya ini tidak akan bisa dihilangkan karena merupakan sumber penghasilan makelar anda. Persentase komisi jual dan beli biasanya berbeda, dan setiap makelar/broker memiliki skema komisi masing-masing yang perlu anda pelajari. Namun satu hal yang jelas, di Indonesia komisi jual ditambah komisi beli tidak mungkin melebihi 1% dari transaksi anda, menurut saya sangat murah! Di pasar Australia, transaksi jual dan beli masing-masing dikenakan 20 dolar sehingga saat sulit sekali mengambil capital gain kecuali anda menggunakan modal yang cukup besar.

Biaya Transfer Setoran

Tidak ada yang perlu dijelaskan disini karena sudah cukup dibahas sebelumnya. Perlu anda catat bahwa rekening dana investasi anda mungkin dibuka di bank yang berbeda dengan grup yang ‘bekerjasama’ dengan makelar anda. Misalnya, Panin Sekuritas membukakan saya rekening investasi di bank BCA, padahal saya kira akan dibukakan di Panin Bank. Namun Mandiri Sekuritas membukakan saya rekening investasi di Bank Mandiri yang merupakan satu grup dari mereka.

Biaya Transfer Penarikan

Uh……. Apakah benar masih perlu dijelaskan di bagian ini?

Biaya Admin Rekening Dana Saham

Saya punya rekening investasi saham di tiga sekuritas, masing-masing membukakan di bank yang berbeda, dan tidak ada satupun yang mengenakan biaya admin bulanan pada rekening investasi saya. Saya mulai berpikir biaya ini hanya mitos jadul.

Emas

biaya emas
Biaya emas

Biaya Cetak Sertifikat

Seperti yang saya pernah jelaskan di artikel ini, pembelian emas fisik maupun penarikan emas digital akan dikenakan biaya cetak sertifikat. Biaya ini sudah sepaket dan tidak bisa dihindari, kecuali apabila anda hanya membeli emas digital dan tidak pernah menariknya dalam bentuk fisik.

Biaya ‘spread’

Sebenarnya sih yang ini bukan biaya, tapi selisih harga jual dan beli yang tentu saja lebih tinggi harga belinya daripada jualnya. Anda bisa meminimalkan biaya ini dengan cara memilih penjual emas yang mengenakan spread sekecil mungkin. Dalam artikel ini, menurut saya yang terkecil spreadnya adalah Pegadaian.

Biaya Transaksi

Beberapa penjual mengenakan biaya ini, beberapa lainnya tidak. Tentu saja anda harus memilih yang tidak mengenakan. Baca artikel saya yang ini untuk tahu mana saja.

Pajak Pembelian dan Penjualan

Yang ini saya masih kurang paham juga, karena beberapa penjual mengenakan sedangkan yang lainnya tidak. Yang jelas, apabila sudah dikenakan oleh si penjual, maka anda tidak perlu melaporkannya sebagai pendapatan lain-lain saat laporan pajak tahunan. Sedangkan apabila belum dipotong di awal, maka anda perlu melaporkannya sebagai pendapatan lain-lain (kecuali anda nakal tidak mau lapor).

Biaya Pengiriman Beserta Asuransinya

Ketika anda menarik tabungan emas anda menjadi fisik emas batangan, tentu penjual emas harus membebankan biaya pengirimannya kepada anda. Dan karena yang dikirim merupakan barang berharga, biasanya mereka mewajibkan ada asuransi pengiriman untuk meminimalkan risiko. Beberapa penjual hanya memiliki pilihan pengiriman yang mahal sedangkan yang lainnya memberikan opsi yang lebih ekonomis bahkan emasnya bisa diambil sendiri. Saya sudah membahas secara lengkap disini.

Obligasi

biaya obligasi
Biaya Obligasi

Pajak Penghasilan

Pajak penghasilan surat berharga negara saat ini dipotong 15% dimuka, sehingga hanya perlu dilaporkan sebagai penghasilan yang sudah dipotong pajak saat pelaporan akhir tahun. Saya pernah bertemu kementrian keuangan bersama perwakilan investor lainnya dan menyarankan agar persentase pajak ini diturunkan.

Biaya Pembelian

Saya belum pernah menemukan mitra distribusi yang mengenakan biaya ini, jadi sementara biaya ini saya anggap tidak ada sama sekali.

Biaya Redemption

Saya belum pernah menemukan mitra distribusi yang mengenakan biaya ini, jadi sementara biaya ini saya anggap tidak ada sama sekali.

Mata Uang Crypto

Biaya cryptocurrency
Biaya cryptocurrency

Biaya Mining

Biaya mining hanya ada dalam cryptocurrency dan tidak ada dalam investasi lainnya. Mining terjadi kalau anda mau ‘membuat’ uang sendiri ketimbang membelinya dari orang lain. Saat tidak akan menjelaskan secara teknis mendalam disini, tapi satu hal yang pasti bahwa mining saat ini sudah sangat tidak menguntungkan dan anda jauh lebih baik mengambil capital gain dari cryptocurrency dengan memanfaatkan analisa teknikal.

Biaya Transaksi

Biaya transaksi yang saya maksud disini bukan biaya yang dikenakan makelar ya, namun biaya yang dikenakan para ‘miner’ (baca biaya mining diatas) ketika anda men transfer uang crypto anda kepada pengguna lainnya. Karena protokol uang crypto adalah “peer to peer”, dalam arti lain tidak ada pihak sentral seperti bank yang mengatur transaksi anda, maka tentu pengguna crypto lain yang mengurus transaksi anda harus diberi imbalan yang berasal dari potongan transasksi anda.

Bagaimana menghindarinya?

Saya tidak terlalu paham dunia crypto, namun kata teman saya jangan mengirimkan uang crypto saat transaksi mata uang tersebut sedang ramai karena akan menimbulkan antrian dan menaikkan biaya transaksi. Misalnya anda ingin mengirimkan BTC (Bitcoin) kepada teman anda, sedangkan ada 1000 orang lainnya yang juga sedang menunggu pengiriman BTC kepada teman mereka masing-masing, lalu tidak banyak miner yang bisa melayani seluruh permintaan tersebut secara cepat, maka biaya transaksinya akan semakin tinggi.

Apabila anda investasi crypto dengan cara membeli dan menjualnya lewat makelar maka tidak perlu pusing dengan biaya ini karena tidak akan dikenakan, kecuali apabila anda memindahkan mata uang crypto anda dari satu makelar ke makelar lainnya.

Komisi Makelar

Saya rasa sudah jelas disini, sama seperti makelar forex dan saham, makelar crypto pun mengenakan sedikit biaya saat anda membeli dan menjual agar mereka bisa menjaga kelangsungan hidup mereka.

Valuta Asing

Komisi Makelar

Sudah jelas juga pasti disini?

Biaya ‘Spread’

Baca penjelasan spread di bagian emas (diatas)

Biaya Yang Ada di Semua Instrumen Investasi

Biaya Belajar

Entah untuk beli buku berbayar, ikut kursus, atau bahkan ‘rugi’ karena cutloss dalam proses belajar, biasanya ketika belajar sesuatu yang baru pasti ada biaya yang keluar.

Bagaimana menghindarinya?

Jangan pernah bayar untuk belajar investasi. Banyak materi gratis di internet yang bagus. Blog ini meskipun tidak bagus tapi 100% gratis dan saya juga melayani konsultasi gratis via email. Pembelajaran harus bisa diakses semua orang tanpa biaya yang memberatkan. Pilih broker saham yang memberikan edukasi gratis. Pilih penjual reksadana yang memberikan edukasi gratis, pilih P2P lending yang memiliki layanan RM gratis. Pilihannya tidak pernah habis!

Biaya Akses Internet

Karena kebanyakan proses investasi menggunakan internet, maka tentu saja ada biaya yang harus anda perhitungkan saat mengakses internet, misalnya untuk isi paket data.

Bagaimana menghindarinya?

Sepertinya semua orang juga tahu. Pakai wifi restoran, pinjem wifi temen, beli paket data saat sedang ada promosi, dan cara-cara pelit lainnya.

Biaya Transportasi

Apabila anda membuka akun secara konvensional yang harus datang ke lokasi tertentu dan menandatangani formulir, maka tentu ada biaya transportasi yang terlibat.

Bagaimana menghindarinya?

Bukalah akun investasi anda secara online.

Adrian Siaril
Adrian Siaril

The boss

Articles: 599

281 Comments

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