🇮🇪 Win a Trip to Be Ray LaMontagne’s Guest in Dublin

Win a once-in-a-lifetime trip to Ireland to see Ray LaMontagne → ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­

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We have implemented robust measures to protect your information, including: - **Multi-Factor Authentication:** Add an extra layer of security by enabling multi-factor authentication on your account. - **Strong Password Policies:** Use a strong, unique password for your account and change it regularly. - **Regular Security Audits:** We conduct regular security audits to identify and address potential vulnerabilities. - **Incident Response Plans:** We have well-defined incident response plans to handle any data breach or security incident. **Your Cooperation is Crucial** We understand that this request may seem inconvenient, but your security is our utmost concern. By verifying your account, you are helping us protect your personal information and maintain a secure environment for all our users. If you have any questions or concerns, please contact our support team immediately at `support@yourcompanyname.com`. Thank you for your prompt attention to this matter. Sincerely, The Account Security Team&#X ​ ​ ​ Win a Trip to Be Ray LaMontagne's Guest in Dublin We are thrilled to announce a brand-new, once-in-a-lifetime opportunity: a trip to see Ray LaMontagne live in historic Dublin, Ireland! As his personal guest, you'll experience an intimate performance in a world-class city, proving that high-value experiences are finally attainable for everyday fans. At Fandiem, we believe in the collective power of the community. By entering, you aren't just chasing a dream trip—you are "Fan Powering Change" by supporting meaningful charitable causes. DONATE TO WIN The VIP Experience: The Destination: Round-trip travel and hotel accommodations in Dublin, Ireland. The Access: Exclusive guest access to see Ray LaMontagne live. The Impact: Your donation turns your fandom into a force for good by supporting real nonprofit partnerships. Fans with Benefits. Your entry creates collective ownership of the change we're making together. We focus on democratizing exclusive experiences that were once reserved for a select few, ensuring you feel part of something bigger. Don't miss your chance to be a VIP insider in one of the most beautiful cities in the world. ENTER TO WIN NOW

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Bibit Weekly – Update MSCI, Moody’s, dan Ekonomi RI

Rilis data ekonomi Indonesia hingga update seputar MSCI. Baca selengkapnya!

Reksa Dana | SBN | Obligasi FR | Saham   📊 MARKET SUMMARY Update Seputar MSCI: OJK, BEI, dan KSEI telah bertemu dengan MSCI dan mengusulkan sejumlah langkah untuk mengatasi isu investability. → berpotensi meredakan kekhawatiran investability secara bertahap. Downgrade Outlook Indonesia oleh Moody's: Downgrade outlook Indonesia dari 'stable' menjadi 'negative', meski mempertahankan peringkat kredit Baa2. → berpotensi memberikan sentimen negatif, yield obligasi 10Y naik +11 bps per 6 Februari 2026. Rilis Data Ekonomi Indonesia: Pertumbuhan ekonomi Indonesia menguat pada 4Q25 dan mendorong pertumbuhan 2025 ke level tertinggi dalam 3 tahun. → momentum pertumbuhan jangka pendek berpotensi mendorong minat investor asing. MARKET UPDATE Yield Obligasi Pemerintah Tenor 10 Tahun Sentuh Level Tertinggi Latest Update (06/02/2026) Latest WoW YtD IHSG 7.935,3 ▼ -4,73% ▼ -8,23% IDR 10Y Govt Yield 6,44% ▲ +10 bps ▲ +37 bps Bunga Deposito 12M 3,59% ▼ -7 bps ▼ -11 bps Foreign Flow (Dalam Triliun Rupiah) 1W 1M YtD Obligasi +10,58 +11,48 +13,05 Saham -1,19 -12,76 -11,06 Sumber: Bloomberg per 6 Februari 2026, kecuali data foreign flow obligasi per 5 Februari 2026.   🌏 What Happened in the Market Update seputar MSCI: OJK, BEI, dan KSEI telah bertemu dengan MSCI dan mengusulkan sejumlah langkah untuk mengatasi isu investability, termasuk menambah rincian klasifikasi investor dari 9 kategori menjadi 27 kategori, mengungkap kepemilikan saham dengan porsi ≥1%, dan menaikkan minimum free float dari 7,5% menjadi 15%. Moody's Ratings men–downgrade outlook Indonesia dari 'stable' menjadi 'negative', meski mempertahankan peringkat kredit Baa2. Perubahan outlook tersebut didasarkan pada berkurangnya predictability dalam kebijakan pemerintah, yang berpotensi menghambat efektivitas kebijakan serta mengindikasikan tata kelola yang lemah. Moody's juga men–downgrade outlook dari 'stable' menjadi 'negative' untuk sejumlah perusahaan. Menyusul berita tersebut, yield obligasi pemerintah tenor 10 tahun naik +11 bps ke level 6,4% per 6 Februari 2026, tertinggi sejak September 2025. BPS mencatat pertumbuhan ekonomi Indonesia pada 4Q25 meningkat menjadi +5,39% YoY (vs. 3Q25: +5,04% YoY), di atas ekspektasi konsensus. Hasil ini membuat pertumbuhan ekonomi Indonesia selama 2025 mencapai +5,11% YoY, tertinggi dalam 3 tahun. BPS juga mencatat inflasi indeks harga konsumen (IHK) di Indonesia mencapai 3,55% YoY pada Januari 2026 (vs. Desember 2025: inflasi 2,92% YoY), tertinggi sejak Mei 2023 dan lebih tinggi dibandingkan target inflasi Bank Indonesia pada 2026 di kisaran 2,5±1%. Lonjakan ini disebabkan oleh low–base effect pada komponen tarif listrik seiring diskon tarif listrik pada awal tahun 2025. Menko Bidang Perekonomian, Airlangga Hartarto, mengatakan pada Selasa (3/2) bahwa pemerintah telah menyiapkan anggaran senilai ~Rp12,8 triliun untuk paket stimulus ekonomi periode 1Q26. Stimulus ini akan diberikan selama Februari–Maret 2026. Earnings Season FY 2025: Berikut adalah performa laba bersih FY 2025 dari sejumlah emiten bank besar yang telah merilis laporan keuangannya per pekan lalu, dengan kinerja 4Q25 menunjukkan perbaikan seiring akselerasi pertumbuhan kredit. Emiten Pertumbuhan Laba Bersih 4Q25 Pertumbuhan Laba Bersih FY 2025 BBCA +3% YoY +5% YoY BMRI +35% YoY +1% YoY BBNI -6% YoY -7% YoY Sumber: Stockbit, Presentasi Perusahaan, Earnings Call. Presiden AS, Donald Trump, pada Jumat (6/2) waktu setempat menandatangani perintah eksekutif yang akan mengenakan tarif sebesar 25% pada negara yang berbisnis dengan Iran. Perintah tersebut muncul di tengah ketegangan antara Iran dan AS yang masih berlangsung, meskipun kedua negara melakukan pertemuan di Oman.   💡 What's the Impact? Secara Global: Pelaku pasar saat ini masih memperhatikan perkembangan negosiasi AS–Iran, menyusul perintah presiden Trump untuk mengenakan tarif kepada negara yang berbisnis dengan Iran, yang membuat harga minyak cenderung volatil namun sedikit turun karena ekspektasi de-eskalasi ketegangan AS–Iran. Untuk Indonesia: Meskipun terdapat progress MSCI, downgrade outlook oleh Moody's ratings terhadap Indonesia dan sejumlah perusahaan sempat memberikan sentimen negatif. Namun Moody's tetap mempertahankan peringkat kredit Indonesia di level Baa2 yang masih termasuk investment grade. 💭 Why Should I Care? Sentimen risiko global belum menunjukkan perubahan signifikan. Namun, ketidakpastian geopolitik masih membayangi seiring dinamika negosiasi Iran–AS. Penurunan outlook dari Moody's sempat membuat imbal hasil obligasi pemerintah naik +11 bps ke 6,44% dan IHSG -2,08%. Namun dengan penurunan outlook pada tanggal 6 Februari 2026, setelahnya pasar saham (IHSG) tetap ditutup dengan +Rp959 miliar net foreign inflow. Penting untuk investor agar tidak panik dan tetap menjaga alokasi aset portofolio sesuai profil risiko masing-masing. Secara fundamental, momentum laba bersih bank-bank besar mulai berbalik ke arah positif memasuki 4Q25.  🔎 Product Highlight Top Reksa Dana Pasar Uang di Bibit Cocok untuk: simpan dana darurat & parkir dana jangka pendek Return reksa dana per 6 Februari 2026.  Berdasarkan data historis, tidak menjamin kinerja di masa depan.  Investasi Sekarang → Top Reksa Dana Obligasi di Bibit Cocok untuk: investasi jangka panjang dengan risiko moderat Return reksa dana per 6 Februari 2026. Berdasarkan data historis, tidak menjamin kinerja di masa depan.  Investasi Sekarang → Kinerja Saham Perbankan dalam 5 Tahun Terakhir Data saham per 6 Februari 2026, memperhitungkan price return dan dividend. Data historis, tidak menjamin kinerja di masa depan Investasi Sekarang → ORI029 Berakhir Minggu Depan, Kunci Return & Dapatkan Passive Income Bulanan Simulasi Passive Income ORI029-T3 (Tenor 3 Tahun) Fixed Return 5,45% p.a. Modal Imbal Hasil Per Bulan Total Diterima (Modal + Imbal Hasil ) Rp500 Juta Rp2,04 Juta Rp572,8 Juta Rp1 Miliar Rp4,08 Juta Rp1,14 Miliar Rp5 Miliar Rp20,4 Juta Rp5,72 Miliar Simulasi Passive Income ORI029-T6 (Tenor 6 Tahun) Fixed Return 5,80% p.a.   Modal Imbal Hasil Per Bulan Total Diterima (Modal + Imbal Hasil) Rp500 Juta Rp2,17 Juta Rp655,8 Juta Rp1 Miliar Rp4,34 Juta Rp1,31 Miliar Rp5 Miliar Rp21,7 Juta Rp6,55 Miliar Beli ORI029 Di Bibit → In Case You Missed It 📄 Dividen Bisa Jadi Bebas Pajak dengan Reinvestasi ke SBN ORI029 – Dividen yang diterima individu bisa direinvestasikan ke berbagai aset seperti Reksa Dana, Obligasi Negara, hingga Saham. Namun, Obligasi Negara seperti Obligasi FR dan SBN retail  dengan tenor 3 tahun akan lebih memudahkan pelaporan pajak.  💰 Alternatif Passive Income Lebih Tinggi dengan Dividend Investing – Di tengah ketidakpastian pasar, dividend investing dapat jadi strategi yang bisa dipertimbangkan oleh investor. Kuncinya dengan memilih perusahaan berfundamental baik, mempunyai laba yang cukup stabil, cashflow yang sehat, dan memiliki track record pembayaran dividen yang konsisten. Other Articles 🏦 Indo Banks: Capturing Momentum Reversal with ~8% Dividend Cushion – Titik terendah kinerja Big 4 Banks telah terlewati dan momentum mulai berbalik positif, membuka peluang pemulihan level valuasi di tengah potensi dividend yield hingga ~8%. Top picks: BBCA dan BMRI.   🛍️ Kompilasi Buyback Pasca–Pengumuman MSCI – Sejumlah emiten telah mengumumkan rencana buyback saham di tengah penurunan market akibat concern terkait investability yang diumumkan oleh MSCI.   🤑 Laba Bersih 2025 BMRI +1% YoY, Lampaui Ekspektasi – BMRI mencatatkan laba bersih sebesar Rp18,6 T pada 4Q25 (+35% YoY, +40% QoQ), membuat laba bersih 2025 naik +1% YoY menjadi Rp56,3 T, jauh melampaui ekspektasi konsensus yang memperkirakan penurunan -8% YoY. Reksa Dana SBN Obligasi FR Saham Writer: Bibit Investment Research Team Disclaimer: Konten dibuat untuk tujuan edukasi dan bukan merupakan rekomendasi untuk membeli/menjual produk tertentu. +622150864230 info@bibit.id Subscribe and Follow Us: Email ini dikirim oleh PT Bibit Tumbuh Bersama, Agen Penjual Efek Reksa Dana (APERD) yang terdaftar dan diawasi oleh Otoritas Jasa Keuangan. Informasi di dalam email ini bersifat rahasia dan hanya ditujukan bagi investor yang menggunakan APERD PT Bibit Tumbuh Bersama dan menerima email ini. Dilarang memperbanyak, menyebarkan, dan menyalin informasi rahasia ini kepada pihak lain tanpa persetujuan PT Bibit Tumbuh Bersama. Reksa dana merupakan produk pasar modal dan bukan produk APERD. APERD tidak bertanggung jawab atas risiko pengelolaan portofolio yang dilakukan oleh Manajer Investasi. Semua investasi mengandung risiko dan adanya kemungkinan kerugian atas nilai investasi. Kinerja masa lalu tidak mencerminkan kinerja di masa depan. Kinerja historikal, keuntungan yang diharapkan dan proyeksi probabilitas disediakan untuk tujuan informasi dan ilustrasi. Untuk informasi lebih lanjut, klik di sini.   Copyright © 2026. All rights reserved.