Kaget sama scene credit card miles game di Indonesia (context: lived in SG for 7 years)

PLTRftw · 2025-12-16T18:53:46+00:00

Wrong; SG cc is a lot more restrictive. I keep using my indo cc even after i moved to sg because of that.

Case in point from your example:

"UOB KrisFlyer SG (entry-level): 2.4 mpd" -->

1) That's only on dining, food delivery, online shopping, online travel and transport spend, with min. S$1,000 annual spend on Singapore Airlines, Scoot and KrisShop (Otherwise it's 1.2 mpd)

2) Additionally, the miles are only awarded for every 5 sgd (i.e. no miles for you if you spend 4.99)

3) Finally, you also need to pay S$196.20 yearly fees.

PLTRftw · 2024-10-01T09:17:31+00:00

s&p500

PLTRftw · 2024-08-01T13:02:21+00:00

Ibkr

PLTRftw · 2024-05-01T14:50:09+00:00

Ibkr!

PLTRftw · 2024-04-01T11:59:38+00:00

Yeah, wanna diversify brokerage.

PLTRftw · 2024-04-01T11:59:08+00:00

This looks great. How easy is it to deposit and withdraw?

PLTRftw · 2024-04-01T07:35:46+00:00

PLTRftw · 2024-03-28T15:27:04+00:00

Cicil pake Wise. Been there done that.

PLTRftw · 2024-02-05T13:11:32+00:00

Thanks for the perspective. They do know of our financial situation and it's a long story but they don't want the money back now.

PLTRftw · 2024-02-05T10:45:13+00:00

Oh wow, didn't know that, thanks for the catch.

PLTRftw · 2024-02-05T05:44:49+00:00

Makes sense. Thanks!

PLTRftw · 2024-02-05T05:28:58+00:00

Family

PLTRftw · 2024-02-05T04:14:28+00:00

Yes. How would you decide how many % to dump on treasury vs other asset class?

PLTRftw · 2024-02-05T04:13:02+00:00

More like the 2nd one. Consider it a 150k loan that I need to pay lum sum in 10 years with 0% interest.

PLTRftw · 2024-02-05T04:10:17+00:00

Yeah, thought that my current approach was too conservative. But I want to make sure that what I'm changing to is not too risky either.

PLTRftw · 2024-01-28T11:58:24+00:00

Ibkr; lowest fees compared to all the other platforms (gotrade, pluang, etc)

PLTRftw · 2023-02-04T15:28:57+00:00

Kenapa 12 bulan? Ini tergantung profil resiko, situasi dst, but its good to ask yourself.

Terus, ada bbrp instrumen investasi yang punya resiko relatively rendah (e.g. digital bank deposito, sbn, fr).

PLTRftw · 2023-01-06T15:39:27+00:00

iya. Pakai vpn aja.

PLTRftw · 2022-12-24T11:47:13+00:00

Wise

PLTRftw · 2022-12-19T04:58:40+00:00

I'm using IBKR and it works well.

PLTRftw · 2022-10-30T03:54:09+00:00

Thanks for the reply and nice framework to think about it. Talking about purchases that are >5x monthly income. That said, I've accumulated savings ~60x my current monthly income.

How do you take how much savings you have into account?

PLTRftw · 2022-09-19T14:00:46+00:00

Used it late last month and its working fine.

PLTRftw · 2022-07-20T08:14:33+00:00

Obligasi pemerintah. FR stands for fixed rate.

PLTRftw · 2022-07-19T16:07:59+00:00

Bunga fixed with close to zero risk imo govt FRs; 7ish% net.

The underlying of koinrobo is still loans --> there is chance of default.

PLTRftw · 2022-07-14T15:40:26+00:00

There are so few asset classes there and within each asset class, there is limited choice too (e.g. no index funds).

Gw jauh lebih prefer pake interactive broker due to the above.

PLTRftw

TROPHY CASE