What Is the Minimum Investment and What Costs Apply to a Sharia Gold ETF?

The minimum purchase is one lot, which is 100 units — the standard exchange trading unit on the Indonesia Stock Exchange, applied to ETFs exactly as it is to stocks. What that costs in rupiah depends on the unit price of the product you buy, because you pay unit price × 100 plus fees. At listing-day prices on 10 August 2026, one lot ranged from roughly Rp24,800 for XTRA to about Rp102,100 for XSGO — but market prices move, and the order confirmation screen shows the exact amount before you submit. On top of the purchase amount you pay transaction fees identical to those on Indonesian stocks: 0.15% all-in on buys and 0.25% all-in on sells. Two further costs sit outside that: a management fee charged inside the fund, and the bid-ask spread you cross on the exchange.

• One lot = 100 units, always. The lot is the exchange's trading unit, not a Pluang rule, and it does not vary between the five products. What varies is the rupiah value of a lot, because that is unit price × 100.
• Worked example. At a unit price of Rp1,000, one lot costs Rp100,000 before fees. Buy fees at 0.15% add Rp150, so you pay Rp100,150. Selling that same lot at the same price costs 0.25%, or Rp250, so you receive Rp99,750.
• Four cost layers on an ETF position:

1. Transaction fees — 0.15% buy, 0.25% sell, all-in, shown on the order confirmation screen before you submit.
2. Management fee inside the fund — charged by the investment manager and reflected in net asset value, not billed to you. Set out in each fund's prospectus.
3. Bid-ask spread — the gap between the best buy and sell price at the moment you trade. Wider on thinly traded products.
4. e-Materai — Rp10,000 stamp duty, applied when your total daily transaction value exceeds Rp10,000,000, the same rule that applies to Indonesian stocks.

• What you do not pay: there is no account opening fee, no custody fee, and no inactivity fee — matching the Indonesian Stocks account these ETFs are traded through.
• Unit price is not a measure of cost. XTRA opening at Rp248 and XSGO at Rp1,021 tells you the size of one slice, not which fund is cheaper to own. Ongoing cost lives in the management fee, which is separate.

Related questions:

Q: Can I buy fewer than 100 units?
No. One lot of 100 units is the standard trading unit on the Indonesia Stock Exchange, and it applies to ETF units the same way it applies to shares. You can buy more than one lot, but not a fraction of one. This differs from digital gold on Pluang, which can be bought from Rp10,000 or 0.01 gram.

Q: Which of the five needs the least money to start?
At listing-day prices XTRA had the lowest unit price at Rp248, making one lot roughly Rp24,800 — the smallest entry of the five. But prices move after listing, so check current pricing in the app. A lower entry amount also says nothing about which fund is better or cheaper to hold over time.

Q: Are ETF fees different from Indonesian stock fees?
No — they are the same. Buying costs 0.15% all-in and selling costs 0.25% all-in, covering Pluang's trading fee, VAT, and the mandatory exchange and regulatory fees. The sell rate is higher because it includes a 0.10% final income tax that does not apply to purchases.

Q: Do I need to calculate the fees myself?
No. Fees are calculated automatically on the total transaction value and shown on the order confirmation screen before you submit, so you see the exact amount you will pay or receive. Nothing is deducted afterwards as a surprise once the trade settles.