Why Does the Tax Report Show Realised Profit or Loss for US Stocks, Mutual Funds and Gold?

For US stocks, mutual funds and gold, the Tax Report shows your realised profit or loss, meaning the gain or loss locked in when you sell, because that is the figure you need when filling in your SPT Tahunan. This differs from crypto, where tax is collected on each transaction and the report shows the total collected. Every report also reflects your holdings at the end of the year. Pluang does not report users' net profit information to the Directorate General of Taxes (DJP), so reporting these figures is your own responsibility.

• US stocks and US ETFs: Realised gains and interest from USD Yield count as taxable income under PPh Article 17. Dividends are taxed before they are credited, but you still need to report them in your SPT.
• Mutual funds: Gains received by mutual fund unit holders are not a taxable object under PPh Article 4(3).
• Gold: The report shows your realised profit or loss from selling digital gold.
• Crypto (for comparison): Tax is collected on each transaction, so the report shows the total tax collected.
• Reporting to DJP: Pluang does not report users' net profit information to DJP.

Related questions:

Q: What is the difference between realised and unrealised profit?
Realised profit or loss is locked in when you sell an asset. Unrealised profit or loss is the change in value of an asset you still hold. The Tax Report shows realised figures for US stocks, mutual funds and gold.

Q: Do I still need to report US stock dividends if tax was already deducted?
Yes. Tax is deducted from US stock dividends before they are credited to you, but you still need to report the dividends in your SPT Tahunan.

Q: Does Pluang send my profit figures to the tax office?
No. Pluang does not report users' net profit information to the Directorate General of Taxes (DJP). Reporting it in your SPT Tahunan is your own responsibility.

Q: Where can I get advice on filling in my SPT?
The Tax Report gives you the figures from your Pluang account, but it does not tell you how to classify them in your SPT Tahunan. A tax consultant can advise on your situation.