Biaya Biaya Dalam Pembelian Emas

Di tulisan saya sebelumnya, saya sudah menjelaskan bahwa pembelian saldo emas secara online jauh lebih menguntungkan daripada pembelian batang emas fisik secara langsung.

Pada tulisan ini, saya ingin menjelaskan komponen biaya apa saja yang terlibat apabila kita melakukan investasi emas, agar teman-teman bisa menghitung keuntungan dan kerugian secara lebih akurat. 

Baca juga: Biaya investasi tersembunyi

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 tulisan saya sebelumnya, saya sudah menjelaskan tentang spread secara lengkap, dan OneAset mengenakan spread yang cukup kompetitif di angka 4 persen.

Biaya Transaksi

Biaya transaksi adalah biaya yang menurut saya tidak masuk akal untuk dikenakan. Karena transaksi emas sudah memiliki spread, harusnya transaksi saldo emas online tidak lagi mengenakan biaya ini. Sayangnya, tetap masih ada beberapa penyedia yang mengenakan biaya secara flat maupun proporsional saat kegiatan jual dan beli berlangsung.

Anda harus memperhitungkan baik-baik antara spread dan biaya transaksi yang dikenakan. Ada kalanya, spread di satu tempat kelihatan lebih kecil, namun ternyata mengenakan biaya beli dan biaya jual yang merugikan kita. Saat ini OneAset tidak mengenakan keduanya sama sekali.

Biaya Admin atas Metode Pembayaran Tertentu

Ini juga merupakan komponen biaya yang menurut saya sangat konyol sekali. Di beberapa penjual lainnya, kita harus membayar biaya ekstra bila menggunakan metode pembayaran tertentu seperti Ewallet atau Virtual account. Saya paham bahwa beberapa bank dan fintech memang mengenakan biaya transaksi untuk memproses pemindahan saldo, tapi menurut saya biaya tersebut harusnya menjadi beban penerima dana, bukan kita sebagai pengirim dana.

Tentu saja OneAset tidak mengenakan biaya ini sama sekali.

Pajak Pembelian dan Penjualan

Regulasi perpajakan terhadap saldo emas (dan produk keuangan pada umumnya) senantiasa berubah terus dan sampai sekarang tidak ada aturan yang sudah pakem. Beberapa penyedia layanan secara otomatis mengenakan pajak saat transaksi, sedangkan yang lainnya tidak. Yang jelas, apabila sudah dikenakan pajak 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.

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.

Biaya Cetak Sertifikat

Biaya ini hanya dikenakan apabila anda membeli batang emas secara langsung, atau apabila anda mengkonversi saldo emas digital anda menjadi emas batangan fisik. Saat ini, OneAset belum mendukung fitur konversi emas seperti itu, namun mungkin akan tersedia di kemudian hari.

Pembelian emas fisik maupun konversi saldo emas online pasti akan dikenakan biaya cetak sertifikat sesuai regulasi. Biaya ini memiliki nilai pasti (tidak berbeda-beda tiap penjual) dan tidak bisa dihindari, kecuali apabila anda hanya membeli emas digital dan tidak pernah menariknya dalam bentuk fisik.

Biaya cetak sertifikat proporsional dengan berat emas yang kita beli atau konversi. Emas dengan berat lebih besar akan memiliki biaya cetak sertifikat yang lebih besar juga.

Tulisan ini disponsori secara finansial oleh OneAset, sehingga hak milik tulisan ini sepenuhnya milik OneAset. Tulisan ini telah terbit lebih dahulu di platform OneAset, dan blog ini hanya bersifat mempublikasikan ulang untuk keperluan promosi. Saya berkomitmen menghadirkan minimal 20 tulisan edukasi baru (bukan repost blog ini) setiap bulannya di OneAset, jadi apabila anda ingin menikmati konten baru saya secepat mungkin, pastikan untuk mendaftar di OneAset dan follow profile saya disana. Anda juga akan mendapatkan emas gratis dan mendukung saya secara langsung tanpa biaya apapun.

Bagaimana Cara Mendaftar OneAset?

  1. Gunakan link https://app.oneaset.co.id/s/N3amMv untuk mendaftar
  2. Apabila belum memiliki aplikasi ONEASET di HP, akan diarahkan download dulu di playstore
  3. Klik ulang link tersebut setelah install ONEASET
  4. Aplikasi ONEASET akan otomatis terbuka dan muncul gambar seperti dibawah ini
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Selesai. Silakan baca seluruh tulisan saya secara gratis. Jangan lupa tinggalkan like, comment, dan share, karena saya akan mendapatkan incentive tambahan atas engagement tersebut.

Adrian Siaril
Adrian Siaril

The boss

Articles: 599

182 Comments

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