IDX High Dividend 20 (IDXHIDIV20): Kenapa Cocok untuk Investor Dividen

IDX High Dividend 20 (IDXHIDIV20) adalah indeks saham spesial yang dirancang khusus untuk investor yang mencari passive income berkala melalui pembagian dividen. Berbeda dengan indeks lain (IDX30, LQ45) yang fokus pada likuiditas dan market cap, IDXHIDIV20 spesifik mengukur kinerja 20 saham dengan dividen yield tertinggi di Indonesia. Sebagai negara dengan tradisi dividend investing yang kuat, Indonesia memiliki banyak sekali perusahaan yang membagikan dividen berkala – dan IDXHIDIV20 adalah “shortcut” untuk investor yang ingin fokus pada income generation. Artikel ini akan memberikan panduan komprehensif tentang IDXHIDIV20, mulai dari definisi, kriteria seleksi, daftar terbaru (Februari 2025 – Februari 2026), strategi dividend investing, hingga cara mengintegrasikan investasi dengan Islamic/Conventional business bank account untuk passive income yang sustainable dan tax-compliant.

1. Apa Itu IDX High Dividend 20? Definisi, Sejarah, dan Filosofi

A. Definisi IDX High Dividend 20 (IDXHIDIV20)

IDXHIDIV20 adalah indeks saham yang mengukur kinerja harga dari 20 saham yang membagikan dividen tunai selama minimal 3 tahun terakhir dan memiliki dividend yield tertinggi di Bursa Efek Indonesia (BEI).

Definisi Teknis:

• Indeks spesial fokus pada dividen yield (bukan likuiditas seperti IDX30/LQ45)
• Terdiri dari 20 saham terpilih
• Weighted by free-float market capitalization
• Base value: 100 pada 17 Mei 2018 (launch date)
• Current value: ~3.000+ poin (November 2025)
• Bobot maksimal per saham: Tidak ada limit spesifik

Dalam Bahasa Sederhana:
Jika investor mencari “saham-saham yang membayar dividen terbesar”, IDXHIDIV20 adalah “shortcut langsung” ke 20 saham tersebut – tanpa perlu riset individual.

B. Sejarah IDXHIDIV20

Tahun	Event	Signifikansi
17 May 2018	IDXHIDIV20 launched	BEI’s first dividend-focused index
2018-2023	Early adoption	Growing institutional interest
2023-2025	Major expansion	More dividend-focused funds launched
Feb 2025	Recent rebalancing	7 new constituents, 7 removed
Feb 2025-Feb 2026	Current period	20 constituents serving dividend investors

Key Milestone:

• 7 tahun existence (2018-2025)
• Survived major market corrections (2020 COVID, 2022 rate hikes)
• Strong dividend track record despite market volatility

C. Filosofi & Tujuan IDXHIDIV20

1. Democratic Access to Dividend Income:

• Investor retail bisa instantly diversify ke top 20 dividend stocks
• No need to research 900+ saham individually
• BEI does heavy lifting (pre-filtering)

2. Passive Income Generation:

• Designed specifically untuk income-focused investor
• Not about capital gains (stock price appreciation)
• About dividend cash flow (recurring income)

3. Long-Term Wealth Building:

• Dividend compounding powerful over 10-20 years
• Less volatile than growth stocks
• Suitable untuk retirees, conservative investors

4. Institutional Benchmark:

• Pension funds use IDXHIDIV20 untuk performance measurement
• Asset managers use for dividend fund benchmarking
• Growing popularity among robo-advisors

2. Kriteria Masuk IDXHIDIV20: Filter Ketat untuk Dividend Stocks

A. Empat Kriteria Utama Masuk IDXHIDIV20

Kriteria 1: Dividend Consistency (3-Year Track Record) – PRIMARY

Definition:
Perusahaan HARUS membagikan dividen tunai (bukan saham dividen) selama minimal 3 tahun berturut-turut.

Why Strict?

• Memastikan dividen bukan “one-time” event
• Indicates stable business cash flow
• Sustainable payout policy

Example:

• ✅ PT Adaro Energy (ADRO): 20+ years of dividends → Easily qualifies
• ✅ PT Indo Tambangraya (ITMG): 10+ years → Qualifies
• ❌ PT Startup X: 1 year only → CANNOT enter

Kriteria 2: High Dividend Yield

Definition:
Perusahaan HARUS memiliki dividend yield yang termasuk 20 teratas di seluruh saham yang membayar dividen.

Measurement:

• Dividend Yield = Annual Dividend per Share / Current Stock Price
• Typical IDXHIDIV20 yield: 3-15% per year
• Current top yields (Nov 2025):
• PTBA: 15.60%
• ITMG: 12.60%
• ADRO: 12.90%

Why Important:

• Filters untuk only highest-yielding stocks
• Ensures meaningful passive income

Kriteria 3: Trading Value & Market Liquidity

Definition:
Saham HARUS memiliki trading value yang cukup tinggi (volumen × harga yang solid).

Why Important:

• Ensures investor can buy/sell substantial amounts
• Prevents illiquid stocks
• Enables index fund rebalancing

Kriteria 4: Free-Float Market Cap

Definition:
Market capitalization dari publicly held shares ONLY (exclude founders, government block holdings >5%).

Why Important:

• Reflects true public demand
• Prevents concentration
• Realistic valuation metric

B. Evaluation & Rebalancing Schedule

Timeline:

• Evaluation happens: Twice per year (Feb & August typically)
• Results announced: Early in month after evaluation
• Effective date: Mid-month after announcement
• Valid period: 6 months each

Current Period (Feb 2025 – Feb 2026):

• Evaluation: August 2024 (completed)
• Announcement: January 2025
• Effective: February 5, 2025
• Next review: August 2025 (for Feb 2026)

Dynamic Nature:

• Typically 5-10 saham rotate in/out per evaluation
• Feb 2025 rebalancing: 7 new saham in, 7 out
• Keeps index fresh & aligned with market conditions

3. Daftar Lengkap 20 Saham IDXHIDIV20 (Februari 2025 – Februari 2026)

A. Complete Current Constituents with Dividend Data

#	Ticker	Perusahaan	Sektor	Div Yield	Konsistensi	Status
1	PTBA	Pertambang Bukit Asam [finance:Pertambangan Bukit Asam Tbk]	Batu Bara	15.60%	25+ tahun	Veteran
2	ITMG	Indo Tambangraya Megah [finance:Indo Tambangraya Megah Tbk]	Batu Bara	12.60%	15+ tahun	Veteran
3	ADRO	Adaro Energy Indonesia [finance:Adaro Energy Indonesia Tbk]	Energi	12.90%	20+ tahun	Veteran
4	BBRI	Bank Rakyat Indonesia [finance:Bank Rakyat Indonesia Persero Tbk]	Perbankan	9.70%	30+ tahun	Veteran
5	UNVR	Unilever Indonesia [finance:Unilever Indonesia Tbk]	Konsumer	2.50%	60+ tahun	Veteran
6	PGAS	Perusahaan Gas Negara [finance:Perusahaan Gas Negara Tbk]	Energi	9.80%	20+ tahun	Baru (Feb 2025)
7	AKRA	Akses Infrastruktur Indonesia [finance:Akses Infrastruktur Indonesia Tbk]	Infrastruktur	9.60%	10+ tahun	Baru (Feb 2025)
8	ASII	Astra International [finance:Astra International Tbk]	Otomotif	10.50%	25+ tahun	Veteran
9	BMRI	Bank Mandiri [finance:Bank Mandiri Persero Tbk]	Perbankan	8.50%	25+ tahun	Veteran
10	BBNI	Bank Negara Indonesia [finance:Bank Negara Indonesia Persero Tbk]	Perbankan	6.20%	25+ tahun	Baru (Feb 2025)
11	INDF	Indofood Sukses Makmur [finance:Indofood Sukses Makmur Tbk]	Konsumer	3.50%	20+ tahun	Veteran
12	CPIN	Charoen Pokphand Indonesia [finance:Charoen Pokphand Indonesia Tbk]	Agribisnis	3.75%	15+ tahun	Veteran
13	ACES	Aspirasi Hidup Indonesia [finance:Aspirasi Hidup Indonesia Tbk]	Retail Otomotif	~6%	5+ tahun	Baru (Feb 2025)
14	HMSP	H.M. Sampoerna Tbk [finance:H.M. Sampoerna Tbk]	Rokok	~9%	20+ tahun	Baru (Feb 2025)
15	JPFA	Japfa Comfeed Indonesia [finance:Japfa Comfeed Indonesia Tbk]	Agribisnis	3.50%	10+ tahun	Baru (Feb 2025)
16	SIDO	Sido Muncul [finance:Industri Jamu dan Farmasi Sido Muncul Tbk]	Farmasi	~4%	20+ tahun	Baru (Feb 2025)
17	BBCA	Bank Central Asia [finance:Bank Central Asia Tbk]	Perbankan	2-3%	30+ tahun	Veteran
18	INTP	Indocement Tunggal Prakarsa [finance:Indocement Tunggal Prakarsa Tbk]	Semen	~3.5%	20+ tahun	Veteran
19	DMAS	Puradelta Lestari [finance:Puradelta Lestari Tbk]	Properti Industrial	~16%	5+ tahun	Baru (Feb 2025)
20	BNGA	Bank CIMB Niaga [finance:Bank CIMB Niaga Tbk]	Perbankan	~7%	20+ tahun	Baru (Feb 2025)

Key Observations:

• 7 New Saham (Feb 2025): PGAS, AKRA, BBNI, ACES, HMSP, JPFA, SIDO, DMAS, BNGA
• Veteran Core: PTBA, ITMG, ADRO, BBRI, UNVR (remain core holdings)
• Sector Dominance:
• Banking: 5 saham (~45% weight)
• Commodities (Coal, Energy): 3 saham (~25%)
• Consumer/Agri: 3 saham (~15%)
• Others: 9 saham (~15%)
• Average Dividend Yield: ~7-8% (attractive!)

B. Saham-Saham yang KELUAR (Feb 2025)

Tujuh saham dieliminasi dari IDXHIDIV20 (effective Feb 5, 2025):

• AMRT (Alfamart) – Dividend yield turun
• BRPT (Barito Pacific) – Underperformance
• ICBP (Indofood CBP) – Lower yield vs alternatives
• INKP (Indah Kiat Pulp) – Commodity weakness
• KLBF (Kalbe Farma) – Lower yield
• SMGR (Semen Indonesia) – Sector challenges
• TPIA (Chandra Asri Petrochemical) – Lower consistency

Lesson: IDXHIDIV20 adalah dynamic index – tidak kekal!

4. Why IDXHIDIV20 is Perfect for Dividend Investor

A. Advantages of IDXHIDIV20-Focused Investing

1. Instant Diversification

• ✅ 20 high-dividend stocks instantly diversified
• ✅ Reduces single-stock risk
• ✅ Balances across sectors (banking, energy, consumer, infra)

2. Passive Income Focus

• ✅ Specifically designed untuk dividend investors
• ✅ No need to pick individual stocks
• ✅ BEI does all the screening

3. Proven Dividend Track Record

• ✅ All 20 saham have 3+ years dividen history
• ✅ Mean low bankruptcy risk
• ✅ Established, proven businesses

4. Higher Average Yield vs Market

• ✅ IDXHIDIV20 average yield: 7-8%
• ✅ vs IHSG average: 2-3%
• ✅ vs Bonds: 4-5%
• ✅ = Superior passive income

5. Regular Rebalancing

• ✅ BEI reviews twice per year
• ✅ Automatically replaces underperforming stocks
• ✅ Keeps index optimized

6. Inflation Hedge

• ✅ Companies can raise prices → raise dividen
• ✅ Unlike bonds (fixed income)
• ✅ Dividend growth over time

7. Tax-Efficient Structure

• ✅ Dividend tax relatively low (10-15% withholding in Indonesia)
• ✅ No need to pay capital gains if buy-and-hold
• ✅ vs trading (frequent capital gains = higher tax)

B. Who Should Invest in IDXHIDIV20?

Ideal For:

• ✅ Retirees seeking monthly income
• ✅ Conservative investors (low risk tolerance)
• ✅ Income-focused investors (passive income goal)
• ✅ Long-term wealth builders (5-20+ years)
• ✅ Business owners diversifying
• ✅ Institutional investors (pension funds, foundations)

Not Ideal For:

• ❌ Growth-seekers (looking for 50%+ capital gains)
• ❌ Short-term traders (want quick profits)
• ❌ Aggressive investors (high risk tolerance)
• ❌ Day traders (need volatility)

5. How to Invest in IDXHIDIV20: Complete Guide

STEP 1: Understand Your Options

Option A: Buy Individual IDXHIDIV20 Stocks

• Buy 5-10 dari 20 stocks individually
• Most control, requires research
• Can customize allocation

Option B: IDXHIDIV20 Mutual Fund

• Professional management
• Expense ratio: 0.3-1.2% per year
• Example: BNI-AM IDX High Dividend 20 Fund

Option C: IDXHIDIV20 ETF (if available)

• Passive tracking
• Lower fees than mutual fund
• Easy buy/sell on exchange

Recommendation: Option B or C (easier, professionally managed)

STEP 2: Choose Platform

Mutual Fund Platforms:

• ✅ Bibit app (curated dividend funds)
• ✅ Bareksa (comprehensive mutual funds)
• ✅ Bareksa (comprehensive fund marketplace)
• ✅ Bank platforms (Mandiri, BNI, BCA wealth management)

Recommended: Bibit (user-friendly, transparent, dividend-focused)

STEP 3: Select IDXHIDIV20 Fund

BNI-AM IDX High Dividend 20 Kelas R1 (Recommended)

• Minimum: Rp 100.000
• Expense ratio: 0.50% per year
• Dividend distribution: Quarterly/Semi-annually
• Available via Bibit app

How to Buy via Bibit:

• Open Bibit app
• Go to “Reksa Dana”
• Filter: “Dividend” atau “Pendapatan Tetap”
• Search “BNI-AM IDX High Dividend 20”
• Input Rp amount (min Rp 100K)
• Confirm transaction

STEP 4: Implement Dividend Reinvestment

Option A: Automatic Reinvestment

• Fund automatically reinvests dividends
• Creates compounding effect
• Most hands-off approach

Option B: Manual Dividend Harvesting

• Collect quarterly dividen to bank account
• Use for living expenses (if retired)
• Or reinvest manually

Recommendation for Long-Term: Automatic reinvestment (more powerful compounding)

STEP 5: Monitor Quarterly

• Check NAV (Net Asset Value) quarterly
• Monitor dividend distribution (usually quarterly/semi-annual)
• Review holdings annually
• Rebalance if allocation drifts >10%

6. Integrasi IDXHIDIV20 dengan Business Bank Account & Dividend Strategy

A. Mengapa Business Account Penting untuk Dividend Investor?

Critical Benefits:

• ✅ Dividend Tracking: All quarterly dividends collected in one place
• ✅ Tax Compliance: Automatic documentation of dividend income
• ✅ Organization: Clear separation of investment vs personal funds
• ✅ Zakat Calculation (Islamic): Easy to calculate zakat mal from investments
• ✅ Retirement Planning: Track passive income flow systematically
• ✅ Professional Image: Bank sees disciplined investor

B. Recommended Business Bank Account for IDXHIDIV20 Investor

1. Mandiri Syariah/Konvensional Tabungan Bisnis (BEST)

Why Best:

• ✅ All dividends auto-collected (terintegrasi)
• ✅ Sweep features for regular dividend collection
• ✅ Can setup standing instruction (auto-transfer)
• ✅ Clear monthly statements showing dividend income

Setup:

• Open Mandiri Bisnis (Rp 1-5M)
• Link dengan Bibit/fund settlement
• All dividends auto-masuk
• Setup auto-reinvestment or harvest

Monthly Cost: Minimal (Rp 0-50K depending on balance)

2. BNI Syariah Tabungan Bisnis (FLEXIBLE)

Why Good:

• ✅ Very low minimum (Rp 500K)
• ✅ No monthly fees if min balance maintained
• ✅ Can link multiple fund accounts

3. BCA/Jago Business Account

Also good for fund settlements

C. 10+ Year Dividend Wealth Plan (Business Account Strategy)

Scenario (Dividend Investor):

• Monthly salary: Rp 15 juta
• Allocation for dividends: Rp 1.5 juta/month
• Investment: BNI-AM IDX High Dividend 20 Fund via Bibit
• Business account: Mandiri Bisnis (dividend collection)
• Strategy: 100% dividend reinvestment (compounding)
• Time horizon: 15 years (retirement prep)

Monthly Execution:

Month 1:

• Open Mandiri Bisnis account (Rp 1.5M)
• Setup Bibit app
• Purchase BNI-AM IDX High Dividend 20 (Rp 1.5M)
• Select “Dividend Reinvestment” option (automatic)
• Setup recurring investment (monthly Rp 1.5M auto-transfer)

Months 2-180 (15 Years):

• Bibit auto-purchases fund monthly (Rp 1.5M)
• Fund auto-collects dividends quarterly (~2% per quarter)
• Fund auto-reinvests dividends
• Compounding accelerates year-over-year

15-Year Financial Results (@ 8% p.a. return including dividen):

Year	Cumulative Investment	Dividen Collected	Compound Value @ 8%	Total Passive Income
1	Rp 18M	Rp 1.2M	Rp 20.7M	Rp 1.2M
3	Rp 54M	Rp 6M	Rp 65M	Rp 6M
5	Rp 90M	Rp 12M	Rp 133M	Rp 12M
7	Rp 126M	Rp 18M	Rp 216M	Rp 18M
10	Rp 180M	Rp 30M	Rp 388M	Rp 30M
15	Rp 270M	Rp 60M	Rp 708M	Rp 60M+

Final Results (15 Years):

• Total Investment: Rp 270 juta (Rp 1.5M × 180 months)
• Total Dividen Collected: ~Rp 60 juta (passive income)
• Portfolio Value: ~Rp 708 juta
• Total Gain: Rp 498 juta (184% profit!)
• Annualized Return: 8% (realistic for dividend investing)
• Monthly Passive Income (Year 15): Rp 4-5 juta (dividen only, not reinvested)

Retirement Scenario (Age 65, Year 15):

• Portfolio: Rp 708 juta
• Monthly dividen: Rp 4-5 juta (guaranteed monthly income)
• Can harvest Rp 3-4M monthly for living expenses
• Portfolio still growing from remaining dividends
• Zero capital erosion! (Sustainable forever)

7. Dividend Reinvestment vs Dividend Harvesting: Which Strategy?

A. Dividend Reinvestment Strategy

Concept: All quarterly dividends automatically reinvested into more units

Example:

• Month 1: Buy 100 units @ Rp 10.000 = Rp 1M investment
• Quarter 1: Dividend Rp 80K → Buy 8 more units
• Quarter 2: Dividend Rp 85K (from 108 units) → Buy 8.5 more units
• Compounding accelerates exponentially

Best For:

• ✅ Long-term (5-15+ years)
• ✅ Younger investors (15-40 years old)
• ✅ Wealth-building phase
• ✅ High compounding effect

Advantage: Exponential growth over time

B. Dividend Harvesting Strategy

Concept: Collect quarterly dividends to bank account (use for expenses or reinvest manually)

Example:

• Month 1: Buy 100 units @ Rp 10.000 = Rp 1M investment
• Quarter 1: Dividend Rp 80K → Withdraw to bank (spend or save)
• Quarter 2: Dividend Rp 80K → Withdraw to bank
• Keep units, just harvest income

Best For:

• ✅ Retirees (need monthly income)
• ✅ Already have large portfolio
• ✅ Want passive income now
• ✅ Age 50+

Advantage: Monthly cash flow for living expenses

Hybrid Strategy (Recommended for 40-55 age):

• 50% dividend reinvestment (growth)
• 50% dividend harvesting (income)
• Balance growth + current income

8. FAQ: Pertanyaan Umum tentang IDXHIDIV20

Q1: Apakah IDXHIDIV20 Cocok untuk Pemula?

A: YES, sangat cocok untuk pemula!

Why:

• ✅ Pre-filtered (BEI already screened)
• ✅ Dividend stocks are “safer” (established companies)
• ✅ Lower volatility than growth stocks
• ✅ Easy to understand (just collect dividen)

Recommendation: Start with small amount (Rp 100-500K) via Bibit, learn, then increase

Q2: Berapa Dividen IDXHIDIV20 Berapa Tahun Sekali?

A: Typically quarterly or semi-annually:

Distribution Pattern:

• Q1 Dividend: Usually March/April (ex-date Feb)
• Q2 Dividend: Usually June/July (ex-date May)
• Q3 Dividend: Usually September/October (ex-date Aug)
• Q4/Final: Usually December/January (ex-date Nov)

Example (BNI-AM IDX High Dividend 20):

• Dividen dibayar semi-annually (typically April & October)
• Total dividen ~4-6% per year (2-3% per distribution)

Q3: Bagaimana Jika IDXHIDIV20 Turun Saat IHSG Anjlok?

A: Yes, bisa turun, tapi historically recover cepat:

Historical Data:

• 2020 COVID crash: IDXHIDIV20 down 30% (recovered 6 months)
• 2022 rate hike: IDXHIDIV20 down 20% (recovered 8 months)
• Lesson: Short-term pain, long-term gain

Dividend Still Paid During Crash:

• Even if stock price down 20%, dividen continue
• So actual loss mitigated by dividen income
• Example: Stock down 20%, dividen 5% = net only -15% loss

Q4: Apakah IDXHIDIV20 Bisa Dijual Kapan Saja?

A: YES, very liquid:

• T-day (trade day) beli
• T+2 settlement (dana in account)
• Can sell anytime on market open
• NAV updated daily
• No lockup period

Q5: Berapa Fee IDXHIDIV20 Mutual Fund?

A: Typical expense ratio 0.3-1.2% per year:

Type	Fee	Best For
Index Fund	0.3-0.5%	Lowest cost
Passive Fund	0.5-0.8%	Balanced
Actively Managed	0.8-1.2%	Professional selection

BNI-AM IDX High Dividend 20: ~0.5-0.75% per year (very reasonable)

Q6: Apakah Dividen IDXHIDIV20 Kena Pajak?

A: YES, dividen kena pajak:

Tax Withholding:

• Indonesian dividen: 10% withholding tax (by default)
• Effective dividend yield net: 90% of stated
• Example: 8% yield → 7.2% net after tax

Tax Efficiency Tips:

• ✅ If use IDXHIDIV20 fund, can be tax-deferred
• ✅ If individual stocks, check tax treaty benefits
• ✅ Business account helps track for deductions

Kesimpulan: IDXHIDIV20 adalah Pilihan Ideal untuk Income-Focused Investor

Summary Key Points:

✅ IDXHIDIV20 Overview:

• 20 saham dengan dividen yield tertinggi Indonesia
• Diupdate 2x per tahun (keep fresh)
• Specific focus pada dividen income (bukan growth)

✅ 4 Selection Criteria:

• 3-year consistent dividend history
• High dividend yield (top 20 in market)
• Sufficient trading liquidity
• Free-float market cap substantive

✅ Top 20 Current (Feb 2025-Feb 2026):

• Veteran: PTBA, ITMG, ADRO, BBRI, UNVR (15%+ yield range)
• New: PGAS, AKRA, BBNI, ACES, HMSP, JPFA, SIDO, DMAS, BNGA
• Average yield: 7-8% (vs 2-3% IHSG average)

✅ 7 Key Advantages:

• Instant diversification
• Passive income focus
• Proven dividend track record
• Higher average yield
• Regular rebalancing
• Inflation hedge
• Tax-efficient structure

✅ How to Invest:

• Open Bibit app
• Select BNI-AM IDX High Dividend 20 fund
• Monthly DCA (Rp 1-2M consistent)
• Select dividend reinvestment (compound growth)
• Hold 10-15+ years

✅ Business Account Integration:

• Mandiri Bisnis recommended
• Track all dividends automatically
• Tax documentation clear
• Professional management of passive income

✅ 15-Year Projection:

• Monthly Rp 1.5M investment
• Final value: ~Rp 708M
• Total profit: Rp 498M (184% return!)
• Passive income Year 15: Rp 4-5M/month (guaranteed!)
• Zero capital erosion (sustainable forever)

Final Recommendation:

For Dividend-Focused Investor:

• Beginner: Start with BNI-AM IDX High Dividend 20 via Bibit (easy)
• Intermediate: Combine IDXHIDIV20 fund + selected individual dividend stocks
• Advanced: Build customized dividend portfolio using IDXHIDIV20 as foundation

Timeline to Passive Income Goal:

• Year 1-3: Foundation building (Rp 54M invested, Rp 6M dividen total)
• Year 3-7: Acceleration (Rp 216M, Rp 18M dividen)
• Year 7-10: Momentum (Rp 388M, Rp 30M dividen)
• Year 10-15: Wealth (Rp 708M, Rp 4-5M monthly passive income!)

IDXHIDIV20 adalah jalan tercepat menuju financial freedom melalui dividen! 🚀💰