Kok Bisa ada Promosi Investasi?
Mendapatkan diskon atau cashback belanja online rasanya sudah lumrah, karena sebenarnya ya kita mengeluarkan uang untuk membeli jasa atau barang tersebut, hanya saja dengan harga yang lebih murah, sehingga keuntungan si penjual berkurang tanpa merugikan kita.
Namun bagaimana dengan cashback atau promosi investasi? Dalam investasi, uang kita tidak berkurang jumlahnya, malah bisa bertambah di belakang. Nilai investasi kita juga tidak bisa diturunkan atau dinaikkan seenak jidat oleh si penjual atau agennya, jadi kok bisa mereka memberikan kita cashback atau investasi?
Disini saya akan memberitahu anda bagaimana penyedia layanan investasi bisa memberikan promosi.
Bakar Duit alias Merugi
Alasan ini adalah alasan paling umum yang sudah lumrah digunakan startup di zaman now. Mereka rela merugi untuk menggaet user baru dan belakangan akan mengurangi promosi ketika sudah banyak pengguna. Tidak banyak yang perlu dijelaskan disini. Perusahaan memang mengalokasikan dana pemasaran dan rela menanggung rugi.
Subsidi Bersama Mitra Pembayaran
Metode ini sudah lama digunakan oleh restoran dan kartu kredit, dimana diskon yang diberikan ke pelanggan ditanggung renteng baik oleh si kartu kredit maupun restorannya. Sama halnya dengan layanan investasi, potongan yang diberikan ke pelanggan ditanggung bersama antara perusahaan investasi dan penyedia metode pembayaran, misalnya Gopay, Linkaja, OVO, atau Dana.
Jenis promosi seperti ini biasanya cenderung muncul di Bibit dan Raiz.
Reksadana: Subsidi Manajer Investasi
Khusus untuk produk tertentu seperti reksadana, potongan ini juga kemungkinan ditanggung lebih banyak pihak, seperti manajer investasi, APERD, dan gerai/aggregator. Contoh manajer investasi misalnya Ashmore, APERD nya Invisee, dan gerai nya adalah Fundtastic.
Fundtastic tempat kita membeli reksadana, namun fundtastic sebenarnya hanya meneruskan permintaan beli kita ke Invisee, lalu Invisee yang membeli dari manajer investasi. Biaya promosi bisa saja ditanggung renteng antara dua atau lebih pihak yang terlibat.
Dalam reksadana, subsidi dari manajer investasi bisa dengan mudah ‘tertutupi’ melalui penghasilan ‘management fee’, alias biaya yang dikenakan untuk pengelolaan uang kita. Inilah alasannya kebanyakan reksadana yang dibeli menggunakan promo memiliki ‘minimum holding period’ alias masa dimana kita tidak bisa menjual kembali reksadana tersebut, karena manajer investasi membutuhkan penghasilan ‘ganti rugi’ selama minimum holding period tersebut, yang akan dibagi dua dengan si APERD.
Jenis promosi ini cenderung muncul di Invisee dan Ajaib.
Emas: Memotong Keuntungan Spread
Penjual emas sebenarnya tidak merugi ketika memberikan kita potongan atau diskon, karena harga pembelian dan penjualan emas memiliki ‘spread‘ alias selisih. Harga beli kita pasti lebih tinggi daripada harga jual, sehingga apabila kita membeli emas dan langsung menjualnya di menit yang sama, kemungkinan besar kita akan pasti rugi. Ini alasannya saya membahas persentase spread di review penjual emas saya, karena lebih baik membeli di penjual yang spread nya kecil.
Nah keuntungan dari spread inilah yang bisa dialokasikan penjual emas untuk kita para investor. Misalnya mereka memberlakukan spread 5% untuk setiap transaksi, maka bilamana mereka memberlakukan diskon 4% atas pembelian kita, maka sebenarnya mereka masih untung 1%.
P2P lending: Memotong Keuntungan Biaya Provisi atau Spread
Spread di P2P lending memiliki prinsip sama dengan spread emas yang saya bahas diatas. Misalnya lender diberikan bunga 15% untuk suatu pinjaman, maka sebenarnya si peminjam pinjaman tersebut diberikan bunga 18% oleh si penyelenggara. Ada selisih 3% yang diambil penyelenggara untuk pemasukan mereka, jadi apabila kita diberikan cashback atau potongan 1% dari pendanaan, sebenarnya penyelenggara masih untung 2%.
P2P lending memiliki dua skema mendapatkan penghasilan. Selain spread/selisih rate antara peminjam dan pendana, ada juga P2P lending yang mengambil penghasilan melalui biaya provisi, yaitu biaya bernilai tetap yang dibebankan pada peminjam saat pinjaman dicairkan. Potongan atau promosi yang diberikan bisa saja mengambil sekian persen dari keuntungan biaya provisi ini.
Kesimpulan
Sekarang anda tidak perlu curiga atau bingung lagi kenapa penyedia layanan investasi bisa memberikan kita potongan.
Mendapatkan cashback atau promosi untuk berinvestasi tentu membuat kita makin semangat menabung. Alih alih mendapat insentif untuk mengeluarkan uang, persaingan ketat zaman sekarang malah memberikan kita insentif untuk menabung uang. Tentu kita yang diuntungkan atas hal ini.
Manfaatkan segala promosi berinvestasi untuk memaksimalkan keuntungan. Daftarlah di semua layanan yang saya ulas di blog ini, dan pantau terus halaman promo saya karena saya berusaha membagikan setiap promosi yang berlaku disitu.
Jangan jangan ini penyebab Promo Ovo gopay dll di merchant yg beda, persen nya beda2 jg
Mereka pake sistim promo spt bibit dan raiz, jd merchant ikut nanggung promo jg wkwk
Bisa jadi bro. Sayangnya kita gabisa tau rumus dapur mereka wkwkw
Bagi anda yang ingin dapat cashback 25rb di Bibit, Bisa gunakan kode refferal saya : ( ucleiaf ) dan Masukkan pada saat pendaftaran
Tulis dengan huruf kecil dan tanpa spasi
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