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  1. 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.
  2. 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...
  3. 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...
  4. 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...
  5. 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...
  6. 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...
  7. 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?
  8. 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...
  9. 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...
  10. 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...
  11. 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).
  12. 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.
  13. 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.
  14. 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?
  15. M

    How do you guys invest?

    I‘ll be still reading this forum to check how you guys are doing 😁
  16. M

    How do you guys invest?

    Although there is no inheritance tax here :)
  17. M

    How do you guys invest?

    Ok, I see. So, that data about earned interest is just for information (whether or not the development of your total assets makes sense), it will not be considered in the calculation of the tax.
  18. M

    How do you guys invest?

    One question popped into my mind after doing my tax declaration. I was surprised that they ask for the received interest in the e-filing formular. Why do you have to declare your interest (bunga)? I mean it is already taxed when you receive interest from a bank (for a deposit for example). Why...
  19. M

    is transferring non-income money overseas taxed

    My understanding is that it is irrelevant whether or not you transfer that money from overseas to Indonesia. If you are a tax-resident in Indonesia and you earn money abroad, then this income is taxable in Indonesia - even if you do not transfer that money to Indonesia or convert it into IDR...
  20. M

    183 day tax residence rule

    I think I understood most part of the new regulation regarding overseas income now. But since my Indonesian is not perfect yet and some articles from the law are difficult to understand, I am not sure if I understood Pasal 26-28 correctly. If I reinvest 30% of my (after tax)income resulting from...

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