Investing in the capital market, such as buying stocks, bonds or mutual funds However, these advantages and disadvantages may not directly affect your life.
For example, even if your stock investment succeeds in earning a profit of Rp 100,000 per lot, But that doesn’t mean you can buy fries or juice directly for Rs 100,000 even if your trading app is integrated with Mobile Banking Application
in the investment world There are such things as unrealized gains and unrealized losses. What are unrealized losses and profits? and how it affects investment This is the full review.
Understanding Unrealized Losses
An unrealized loss is a decrease in the price of an investment asset relative to its purchase price. But you haven’t sold that asset. On the other hand, the actual loss is the investment loss that you suffer after you sell the asset for a lower price.
Losses in the investment world are divided into two parts: actual losses and unrealized losses.
A loss or loss in the investing world occurs when the selling price of your investment instrument is below the purchase price. For example, you bought a share at IDR 500,000 per lot and now it drops to IDR 495,000 per lot. This means you lose IDR 5000 per 1 lot.
Understanding Unrealized Profits
as well as loss Profits can be divided into two parts: Actual profit and unrealized profit The actual profit is realized when you sell the instrument and make a profit. On the other hand, the unrealized profit will occur when you are not selling the instrument.
Profit or Profit or Capital Gain occurs when the selling price of an investment instrument you own is higher than the purchase price. For example, you bought a share at IDR 500,000 per lot and now the price has increased to IDR 550,000 per lot. LOT, which means you lose IDR 50,000 per 1 lot.
in the opinion of the author stock dividend bond coupon and the interest on reinvested deposits will be included in the unrealized profit. Although returning to these three profits increases the value of your investment.
Investors need to know the unrealized loss and profit. since this is related to taxes. including other opportunities in getting more profit How will this affect taxes? Check out the discussion below:
How to calculate unrealized loss & profit
The method of calculating loss & unrealized profit is quite simple, i.e. you subtract the total value of your purchases by the value of the sale. If purchase amount > total sales, this is a loss (loss). If total purchase < total sales, you will get
And if you buy these shares by dollar cost average? If you buy stocks this way The first step you need to do is find the average purchase price. Here’s an example of calculating the actual loss and profit of a stock:
- You buy 1 lot of shares at IDR 500 per share, which means you spend IDR 50,000 to buy shares (500 x 100) when the price of the shares you own drops to Rp.450 per share, or Rp. 45,000 per share. 1 lot, you will lose Rp. 5000 which is obtained from Rp. 50,000-Rp. 45,000. Conversely, if the price of the instrument increases to Rp. 600 per share or Rp. 60,000 per 1 lot, you will get Earn Rs 10,000 Profit from Rupees 60,000-50,000 rupiah
- Here’s your stock purchase information:
|number of units received
From the above information, it can be concluded that during the 6 months of investment You have spent a total of 600,000 IDR and received 1,200 shares with an average price of 501.6. An investment can be said to have an unrealized gain if the price per share increases from 501.6 and an unrealized loss. It actually goes up when the price falls below that. The profit or loss becomes the actual loss & profit if you sell some or all of the shares you own.
Are unrealized profits taxable?
In general, unrealized profits are not taxed and only realized profits are taxed. This is an exception for mutual funds and investment deposits in mutual funds. Unrealized and actual profits are not taxed.
On the other hand, for deposits Any additional interest credited to your account will be subject to 20% income tax, regardless of whether you use the profit immediately. (paid into a normal account) or reinvested
Profits realized on stocks and bonds are taxable. Report from the official page Indonesia Stock Exchange, The stock sale transaction tax is 0.1% and does not include the IDX (Store Fee) and Security Fee. Dividends are taxed at 10% for individuals with TINs. There is no information about dividend taxes or the sale of shares for those without NPWPs, but the value is likely higher.
Bonds are taxed at 10%, which will be charged at the bond’s maturity date. It is contained in Government Regulation (PP) No. 91 on income taxes in the form of bond interest received or received by domestic taxpayers and permanent establishments.
whether tax is required or not The total value of your assets in the investment instrument must be reported on Annual tax return (SPT)However, mutual fund assets and profits are included in the list of non-tax assets.
Fortunately, during this period investment app Stocks and mutual funds have a SPT printing feature, so you don’t need to manually calculate the amount of earnings you’ve paid in the past 1 year.
When should you be aware of profits?
It is important for investors who invest in instruments with volatile price action, such as stocks, to determine when is the right time to sell the instrument. From the above discussion, it can be concluded that you should be aware of the return on investment value. If the return on investment is greater than the applicable taxes and fees such as security fees and bank transfer fees
However, if you are investing for a short term (less than 1 year), we recommend that you set a certain time of profitability using various technical and fundamental indicators. received from trading and investment applications