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  1. M

    How do you guys invest?

    Sometimes I am really confused about investment decisions here. From a developer in our area we heard that he is building a few ruko now. He said the price for a ruko in this area is around 800 million IDR - and we heard that a ruko (if you rent it) is around 25 million IDR per year. So, if...
  2. M

    How do you guys invest?

    Exactly.
  3. M

    How do you guys invest?

    It is true that the S&P is dominated by the mega Tech stocks. But still, it is overpriced in general at the moment in my opinion. If you look at the P/E ratio, Shiller P/E ratio or any other ratio, it is above the mean and median. Also if you compare it to the last 10-20 years. And we should...
  4. M

    How do you guys invest?

    I don‘t care much about the ratings of Fitch and the others. Did they see the housing bubble before the worldwide financial crisis coming? Did they see the problems of those US banks coming which needed to be rescued or bought by other banks (some months ago) coming? And anyway, those arguments...
  5. M

    Keeping some of your money in your home currency?

    Thanks for the information. So, if I do not misunderstand this, it seems that fx gains are taxed (even if they are still unrealized), but stock price gains only if you realize/sell them (because letter d says "gains from the sale or transfer"). I assume, letter d also refers to index funds, bond...
  6. M

    Keeping some of your money in your home currency?

    This point regarding unrealized fx gain/loss applies only in corporate tax law or also applies for residents (income tax)? As you wrote, unrealized gain/loss applies not on commodities like gold. I assume, with stocks and funds it should be the same like with commodities, right? Gains by stocks...
  7. M

    How do you guys invest?

    Thank you, very interesting. I did not hear about it before. With elections coming up, I am really curious if this will happen.
  8. M

    How do you guys invest?

    I never heard of that before, to be honest. Do you have a link to a news article or document or so? Would be interesting for people like me that are new to this topic. I agree with you on that. Better to invest in ETF or stocks if it is money that you do not need and that stays invested...
  9. M

    How do you guys invest?

    The yield on government bonds in the US and some European countries became quite attractive. For US gov bonds you can get between 4.5 to 5 % at the moment. In comparison, yield on Indonesian gov bonds (FR*) is less than 6% (if you do not want to choose very long-term bonds). Seems that the...
  10. M

    Keeping some of your money in your home currency?

    That is true. But still, it does not sound wise to me to keep much money in a foreign currency then. If there is, as described, a short but huge swing up- and then downwards again, you have to pay a lot of taxes without gotten richer any Rupiah. See the fictive example of me: After two years...
  11. M

    Keeping some of your money in your home currency?

    Thanks, I did not know that. That is probably an interesting negative argument for keeping money in foreign currencies then. Let‘s assume someone has 100.000 USD (starting 1 USD = 12.000 IDR => 1.200.000.000 IDR) on his bank account. Then the exchange rate goes up 20% in one year. So...
  12. M

    Keeping some of your money in your home currency?

    Ok, 31st December, I see. But, from my understanding, a fx gain/loss does not occur if you just leave those USD in your bank account. So no matter what the USD/IDR exchange rate in the following years is (even if it doubles or so), you would not have fx gain/loss if those USD just stay in your...
  13. M

    Keeping some of your money in your home currency?

    Around 12.000 USD/IDR. So, probably started around 2014 or 2015. In order to calculate your bank balance from USD into IDR, which exchange rate did you take into account for your first declaration then? Just took the exchange rate from the 1st January of that year?
  14. M

    Keeping some of your money in your home currency?

    Hi, do you keep some of your money in your home currency (for example in USD, AUD or EUR) or even in a bank account from your home country? At least, in my opinion, it makes sense from a risk diversification perspective - and it is also practical if you go back to your home country on a...
  15. M

    How do you guys invest?

    Tesla shares lost quite a bit after investors looked at the details and joined the earnings-call. Cash flow was very disappointing, failed the expectations - probably due to the many price decreases (If I got it right, especially the price of Model Y was lowered many times this year). Also...
  16. M

    How do you guys invest?

    A little irritating to me that there are not different limits for different deposit durations. Usually: The longer term your deposit, the higher the interest rate. For the bank, and probably also for the economy, also better (regarding planning) to have the money longer term. But with the...
  17. M

    How do you guys invest?

    You should probably check that. I received my interest from my FR bonds now for the first time, and I can confirm what snpark wrote: They charged me only 10% tax (probably because the bank has my NPWP).
  18. M

    How do you guys invest?

    Confusing, really. Never heard of someone having to pay less than 20% taxes on deposito‘s interest. Anyone else here experienced something like that? Regarding FR: That seems explainable...they probably just pay out the after-tax amount.
  19. M

    How do you guys invest?

    Oh wow, you only need to pay 10% on the interest from a deposito? 😳 I always thought it is always 20% if tax-resident in Indonesia. My bank is informed about me having a NPWP, but I never got a refund on the paid tax on interest from a deposito.
  20. M

    How do you guys invest?

    What kind of allowance do you mean? I always thought taxes on interest are the same for everyone (20% on interest from a deposito, 15% on FR bonds, 10% on ORI bonds). What allowance is there? What is the allowance (or reduced tax rate?) for people with NPWP in these cases?

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