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  1. M

    How do you guys invest?

    Yeah, this error message is the reason why I still have no account there. Does this error message also pop up on your devices if you go on their website without VPN or is it just me who has this problem? I would be surprised since I already tried different devices, browsers and WiFis. Since I...
  2. M

    How do you guys invest?

    Has someone here already tried using Interactive Brokers in Indonesia? As far as I know, Interactive Brokers is one of the very few possibilities to buy and sell international stocks with a residency in Indonesia. But I am confused that every time I open their website, I get this message: I...
  3. M

    How do you guys invest?

    Yeah, a residual risk remains 😅
  4. M

    How do you guys invest?

    Since we just talked about rural banks (BPR) here: Do you know the App "DepositoBPR"? It seems with that app you can open a deposito in a rural bank and you can choose from several BPR. I think they also offer that you can put the money into a portfolio of BPR depositos. Might be attractive...
  5. M

    How do you guys invest?

    Yes, but you wrote that there is a 100,000 IDR fee as if it were a fact. The lol followed the „joke“ that this fee would „coincidentally“ equal the 1,200,000 bonus after one year. The joke would be funny if there really was a 100,000 IDR fee. Instead, the comment was misleading.
  6. M

    How do you guys invest?

    True, that is why my wife decided now not to put her money there. The yield is really good if you can really get the 1.2 jt IDR extra bonus for a one-month deposito. But since the interest rate is not covered by LPS we would not want to take the risk.
  7. M

    How do you guys invest?

    Please share with us where you found that information regarding a 100,000 IDR monthly service charge. On the website of SEA bank, it is written that there is no admin fee.
  8. M

    How do you guys invest?

    But if it is SHM and the SHM certificate is under your name, how big are their chances to win that case?
  9. M

    How do you guys invest?

    I found them on LPS member list: No. Kepesertaan 10300024. But since the interest rate for the deposit seems to be more than 4.25% p.a. I assume the money on the deposit would not be protected in case of financial trouble. I assume Sea Bank dosn‘t count as BPR where higher interest rate is...
  10. M

    How do you guys invest?

    Thank you very much for the information. Yes, the LPS regulation was one point that still bothered me and why we were still hesitating joining SEA bank. I think the interest rate is 5 to 6 % p.a. on a deposit now. So, it exceeds 4.25 % p.a. which would be covered by LPS if my understanding is...
  11. M

    How do you guys invest?

    Yes, I am also always careful and sceptical when it comes to financial offers like this. In this case, it seems to me that it is an offer to attract new customers. But better safe than sorry, so I am looking for more information and people who already have experience with them.
  12. M

    How do you guys invest?

    Nope, we were already thinking about opening a deposit there anyway since the interest rate is quite attractive. But of course, if one already thought of trying the deposit and service of them, why not taking the 1% extra? And by the way, if it is really 1% extra on the full amount for a one...
  13. M

    How do you guys invest?

    Exactly, that is the promo I was talking about :-)
  14. M

    How do you guys invest?

    Hey guys, what are your thoughts regarding Sea Bank at the moment? We already discussed that bank some months ago here. Has anyone experience with their deposito already? My wife (WNI) just got the offer that she gets up to 1,200,000 IDR bonus if she opens a deposit. I think this offer is valid...
  15. 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...
  16. M

    How do you guys invest?

    Exactly.
  17. 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...
  18. 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...
  19. 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...
  20. 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...

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