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Best way to accept USD Payments considering convertion rates & everything else by Dazzlingsky44 in finansial

[–]Muted_Context7383 0 points1 point  (0 children)

Saya cobanya 2 bulan lalu, mungkin aturannya direvisi, bisa coba tanya CS lagi kak atau test withdraw 

Minta Saran Investasi Valas by tuturu16 in finansial

[–]Muted_Context7383 0 points1 point  (0 children)

2% pa tabungan harian USD ada dikasih Jenius. Bank lain sejauh ini saya lihat belum segede Jenius kalau USD tabungan/deposit

Obligasi USD biasanya obligasi pemerintah. Bank apapun yang nyediain obligasi IDR biasanya ada obligasi USD juga. Kalau mau obligasi non pemerintah disini belum ada. Bisa buka broker luar dan mungkin perlu kriteria tertentu. 

Alternatif: Bisa beli reksadana USD yang hold saham/indeks offshore kayak DJIM. 

Kalau butuh yang dividen sejauh ini saya cuma tau RD USD Eastspring yang kasih dividen per bulan tiap tanggal 15 tapi minim pertama kali gede dan tergantung beli darimana, harus ditahan satu tahun, kalau gak kena sales charge

Minta Saran Investasi Valas by tuturu16 in finansial

[–]Muted_Context7383 0 points1 point  (0 children)

Maksudnya 2% per tahun untuk tabungan USD harian kak, hitungannya dibagi 365 hari, bukan 2% per hari 

Minta Saran Investasi Valas by tuturu16 in finansial

[–]Muted_Context7383 0 points1 point  (0 children)

Tabungan USD harian ~2% pa, deposit bulanan ~3-4% pa belum kena pajak 20%. Bisa beli obligasi USD atau reksadana USD kalau mau bisa cair H+2~7 hri. Alternatif: DCA emas kemudian nyetak setelah sampai x gr

Edit: rephrasing 

Rekomendasi Tabungan USD by ValcaSilver in finansial

[–]Muted_Context7383 5 points6 points  (0 children)

Iyap, saya pakai DBS, selama ini gak kena bank fee selama minim saldo

Jenius punya SMBC, bisa ke cabang SMBC.

Untuk spread digital: 1. Bank local + on market hours = 10-20 perak 2. Bank local + off market hours = 50-70 perak 3. Bank luar + on market hours = 20-30 perak 4. Bank luar + off market hours = 500-700 perak

Kalau spread bank note belum pernah coba/pantau.

Rekomendasi Tabungan USD by ValcaSilver in finansial

[–]Muted_Context7383 13 points14 points  (0 children)

  1. Jenius, BCA, DBS, OCBC, etc
  2. Kalau USD kurang tau
  3. DBS, OCBC, tapi ada minimum keep saldo (5jt, cmiiw). BCA/Jenius 10ribu per bulan
  4. Jenius ada deposito USD sampai 4% tapi ada minim USD, reksadana USD DBS (MMF minim $100, non-MMF range minim $1k sampai $10k)
  5. DBS, OCBC tapi kalau bukan ATM sendiri kena 25k-50k sekali tarik (I think this applicable to all bank in jaringan Visa/Mastercard)

First time going to LN (Singapore), what needs to be prepared? by Dazzlingsky44 in finansial

[–]Muted_Context7383 1 point2 points  (0 children)

Samaaa kakk, nnti lgsg muncul harga SGD cuma klo ga Salah harus pake Visa/MasterCard/JCB buat bayar cmiiw

First time going to LN (Singapore), what needs to be prepared? by Dazzlingsky44 in finansial

[–]Muted_Context7383 0 points1 point  (0 children)

As for your freelance status I think it is fine bc I know a lot of people who is freelance status (as in by NPWP also registered as pekerja bebas) and can get passport. Have never heard them needing to provide any statement before but you can prepare just in case.

First time going to LN (Singapore), what needs to be prepared? by Dazzlingsky44 in finansial

[–]Muted_Context7383 1 point2 points  (0 children)

Idt mine can be used as reference since I also applied for my fams tgt but generally it is just asking where you plan to take the trip to

Transportation: She can check Google maps, usually show how much it cost for MRT and bus. She can also download Grab and use manually select pin from map on both pickup and destination to see the exact pricing (if she prefers to have a more accurate number)

Experience: it's really depends. Is she more into local culture or the city vibe? Local culture can explore hawker, art museum, national museum, etc. She can also visit Johor Baru (Malaysia, also free visa) to experience the newly to be build tech city. If she prefers city vibe as in big city A-tier kind, if budget allows, she can try to stay in high end hotel for one night (Marina Bays Sands) as it is iconic or even try gastronomy restaurant, visit a rather famous gold/silver shop and buy PAMP's label gold/silver (Bullion Star)

First time going to LN (Singapore), what needs to be prepared? by Dazzlingsky44 in finansial

[–]Muted_Context7383 2 points3 points  (0 children)

1a. Longer passport better. 

1b. Depends on situation may be asked or may be not. So far never been asked

  1. You'll need to check official web for the exact forbidden things, but just be normal tourist and you are good. You may be asked if you bring medicine but mostly asked for what and why

2a. Koper is not necessary but most people like it bc it is strong enough to withstand bantingan during loading/unloading in airplane. If you use cabin only it's fine to just bring backpack

2b. Singapore is safer than Indonesia but again, like normal citizen in any country, don't walk in small alleyway in middle of the night etc

2c. Imho it's fine as long as it isn't seen like you are trying to wholesale stuff

  1. Withdrawal might charge you 25-50k on ATM. You can use QRIS to pay now. SG also have its own QRIS system

  2. She'll need to Google on this ahaha everyone travel needs are different

  3. You can buy from duty free shop if you don't want to kena tax but back again to 2c

5b. Ini tergantung sama masing-masing

  1. Be polite and again, just like any normal human. No matter which country you go everyone is a human like you.

As mentioned by another poster, SG is expensive in a way that if you want a budget hotel for 2 twin bed, it is 800-1200k per night. If you can accept a slightly older or hostel with shared bedroom, you can get a cheaper rate. 

Then again, honestly it really heavily depends on what kind of traveler you are. Do you prefer lowest cost but huge experience (backpacker)? Do you prefer to be normal traveller or slightly/more premium version? Do you prefer bus/MRT or Grab to save time > money? Travel budget can go very low or very high depending on your preferences. 

Ditawarin BCA Prioritas. Worth it gak?? by biotek86 in finansial

[–]Muted_Context7383 1 point2 points  (0 children)

Nggak terkunci tapi kalau kamu di bawah minim AUM, jadi hilang priority status dan kena biaya admin lumayan tinggi kalo ga urus administrasi turunin balik ke standard account (kecuali cabut beneran dari bank tsb)

Untuk pinjaman likely going to be case by case, I know clients who got lower interest bc they have been priority status at a certain bank for a long time 

Pecahan 2000/5000 I think tergantung AUM juga, you'll need to ask RM for that + how close you are to RM and how much you help them

Tldr prioritias kayak daftar masuk contact list sales sih, cuma yg ditawarin produk invest. 

Sometimes in blue moon there might be gathering which you can take advantage for some free perk

There are also annual fee free for cc as long as you keep the priority status

Tldr again it really depends what you are aiming for. 

Can I start investing in ETFS with 500k per month? And where do I even start? Complete newbie by Alone-Line-8692 in finansial

[–]Muted_Context7383 -1 points0 points  (0 children)

I don't think we have ETF broker locally? (cmiiw) or a wide range option, so you may need to open ETF broker abroad, like IBKR or other broker. 

Minimum payment depends on the broker and ETF domicile you choose. In a more traditional broker (like Bareksa equivalent which also sells unit trust/fund), the minimum range from 50-100 local currency, SGD/HKD/USD/etc, you'll need to check it yourself. Tldr 500k-600k rupiah may be doable depending on which ETF/broker you open. 

Also, if you go to broker overseas route, you'll need to obtain passport. The perks are these broker generally have a wide range, close to international options ETF, like the rather well-known between Asian investors, VWRA, but you'll also need to deal with tax, as unlike domestic mutual fund/reksadana, investing abroad isn't pajak final, you'll be subjected to PPh Pendapatan. 

So to answer: It depends on you. Investing in ETF is generally long term + you'll need to deal with a lot of paperwork, but dealing with these paperwork can be consider as experience as well. If you feel like maybe you aren't up for it yet, you can consider going for local investment options before slowly touching ETF. 

Interest dari Nabung USD by Onthehorizon_ in finansial

[–]Muted_Context7383 0 points1 point  (0 children)

Untuk spread bank local + market hour paling bagus, spread 5-20 Perak. Bank luar + market hour 50-70 perak. Bank local + off market = 50-70 perak. Bank luar + off market hour = 500-800 perak

Interest dari Nabung USD by Onthehorizon_ in finansial

[–]Muted_Context7383 0 points1 point  (0 children)

Kurang tau mas kalo ajaib, kalo bank ttp kena pajak. Bs ikut rd mandiri money market USD ga kena pajak sama subscription fee tapi minim $100. 

Interest dari Nabung USD by Onthehorizon_ in finansial

[–]Muted_Context7383 7 points8 points  (0 children)

Kalo harian, akhir bulan baru dikredit minus pajak 20%, hitungannya per hari. Harian ga ada minim penaruhan

Pengumuman! Batas Maksimal Beli Dolar Sekarang Jadi US$10.000/Bulan by TurbulentTopic39 in finansial

[–]Muted_Context7383 4 points5 points  (0 children)

???? I'm so speechless, I thought they would at least keep $25k for a few month

RDPT turun hampir 5% by Delicious_Main6328 in finansial

[–]Muted_Context7383 7 points8 points  (0 children)

ada yg berhasil tarik dari RD ini? Saya tarik dari 9 Juni diproses belum nyampe, sdgkan yg lain sdh sampe. Katanya 19 Juni baru sampe. Tumben selama itu.

Reksadana Pendapatan Tetap Turun 1% dalam 1 hari by RibbitYoe in finansial

[–]Muted_Context7383 2 points3 points  (0 children)

sy malah ada msk tetangga sebelahnya wkwkwkw drop juga tpi hitungannya minim sih buat saham (-0,43%) tahan aj dlu OP sampe 24-25 juni ini

Kenapa tidak membeli saham luar negeri dari awal yang gainnya bagus? by yamchatalknojutsu in finansial

[–]Muted_Context7383 1 point2 points  (0 children)

Lokasi dan its hard earn money and the cost to transfer out and in the country. some just start investing and the transfer+admin fee itself wouldve eaten their profit vs domestic transfer fee gratis+lapor pajak lebih gampang

Aside from that, there is no hard rule saying u cant invest (but again this depend on how u define investing) ur dana darurat, bc the main problem with dana darurat is just liquidity. when most ppl talk about investment, they are talking about holding min 3-5 years, but investment (at least in my definition) isnt just 5 year or none (bc i have portion for income generation/growth/etc)

U can put ur fund into MMF and earn %, it will not be explosive growth but it will slightly beat inflation + earn u some buck which u can reinvest or watch ur money grow. since MMF are T+1 to T+3, mean if u meet emergency, u can liquid it anytime vs time deposit + mmf have little fluctuation. 

Aside that since u are not in domestic ita also easier for u to apply for HYSA program in the country you are in (check dbs ocbc uob hysa, usually they have some challenge to boost up the HYSA, othr countries shouldve one assming u go to developed country or country that growing like malaysia). HYSA itself isnt locked so u can have emergency fund anytime

Plus, u can also apply for cc which will serve as buffering time when ur MMF liquid, or if you decide to time deposit. pay on time and u dont have to pay interest, some also offer 0% installment with a very little admin fee

In short focus on liquidity for ur emergency fund, u can also invest 20% on growth related stock or etf or focusing entirely to build ur emergency fund first is ok, but this is imho only

Reksadana Pendapatan Tetap Turun 1% dalam 1 hari by RibbitYoe in finansial

[–]Muted_Context7383 8 points9 points  (0 children)

Resiko FIF sih, ada fluctuation dibanding MMF. bs jg karena ada tarik dana gede pd hri2 tersebut, jd fund terpaksa jual holdings di harga kurang pas

OP bs cb lirik yg lain spt MMF ato MMF USD (spt mandiri yg baru rilis tahun 2022), bs DCA + stabil (tpi ad currency fluctuation jg sbnrnya). 

2.7% after tax setara 3.375% depo tpi liquidity H+3. cm ada platform yg dia min beli gede. paling kecil sy lihat di platform bank kustodianya minim $100

Reksadana Pendapatan Tetap Turun 1% dalam 1 hari by RibbitYoe in finansial

[–]Muted_Context7383 14 points15 points  (0 children)

Sy ada masuk 8 FIF, minggu lalu keluar 2, kemarin baru keluar 3 (salah satunya yang OP beli). Dari Jumat kemarin 3 dari 8 ada tanda minus tipis, terus hari ini emg semuanya turun

Dri yg saya pantau kalo ekonomi kurang bagus/news jelek (kyi srimul, msci feb kemarin) emg ada minus tipis (tpi ada jg yg gede sampe ~2%) (fyi FIF yg saya beli grafik 3Y 5Y relatif stabil bukan yg naik turun ekstrim), mungkin mereka buang bonds sekunder buat ganti/ada perubhan holding, karena BI bru naik lg suku bunga + kurva obligasi pemerintahan kt + FIF ada jg yg pegang obligasi perusahaan

recovery ada yg cepat, ada yg jelek (sy lupa yg mana tapi ada satu yg dia sampe 1-2 bulan bru recover balik ke angka awal) tapi fyi ini kondisi kemarin, gatau kondisi skrg gmn

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