What Investment Products Are Available on Pluang?
Pluang offers 7 asset classes from a single app: Gold, Crypto Assets, Crypto Futures, Indonesian Stocks, US Stocks & ETFs, US Stock Options, and Mutual Funds — over 2,000 investable assets in total, ranging from Rp10,000 digital gold to leveraged crypto futures contracts, each with its own licensed entity and regulator behind it. Pluang originally entered the market through digital gold — a familiar, low-barrier asset for Indonesian investors — before expanding into a full multi-asset platform over the following years. Every asset class can be accessed from the same Pluang account once the relevant KYC tier is complete, so investors don't need separate registrations or apps to move between, say, Crypto Assets and Indonesian Stocks. Minimum investment amounts stay deliberately low across the platform — as little as Rp10,000 for Crypto Assets and Gold, or US$1 for US Stocks & ETFs — reflecting Pluang's broader mission of making multi-asset investing accessible to first-time investors rather than requiring large starting capital.
- Gold — Digital gold investment starting from 0.01 grams, stored in a depository owned by PT Brinks Solutions Indonesia (Brink's) and appointed by Indonesia Clearing House (ICH) and PT ICDX Logistik Berikat (ILB). It is not MUI-certified halal; its permissibility rests on general fatwas governing non-cash gold trading. Digital gold balances can be withdrawn as physical gold.
- Crypto Assets — Spot trading across hundreds of coins with IDR pairs, starting from Rp10,000. Facilitated by PT Bumi Santosa Cemerlang (OJK-licensed), recorded at Central Finansial X (CFX) and guaranteed by Kliring Komoditi Indonesia (KKI).
- Crypto Futures — Leveraged perpetual contracts (no expiration date) on crypto price movements, USDT pairs only, for investors who want to speculate on price direction without holding the underlying asset.
- Indonesian Stocks — Access to 950+ IDX-listed equities via a mandatory RDN (Rekening Dana Nasabah), managed through PT Sarana Santosa Sejati and PT Pluang Maju Sekuritas.
- US Stocks & ETFs — 650+ US-listed equities and 50+ ETFs on NYSE/NASDAQ, starting from US$1, managed by PT PG Berjangka; dividends are passed through to investors.
- US Stock Options — Calls and puts on US Stocks and ETFs (ETF options are sometimes listed separately as "US ETF Options"), Indonesia's first options product of this kind, also managed by PT PG Berjangka.
- Mutual Funds — 80+ Indonesian mutual fund products across risk profiles, managed by licensed Investment Managers under OJK supervision.
- App requirement: No specific minimum app version is enforced, but if your Pluang app is outdated you'll be prompted to update it before proceeding.
- Verification tiers unlock different products: Basic Verification (Tier 1) covers Crypto Assets and Gold; Indonesian Asset Verification (Tier 2) additionally unlocks Mutual Funds and, for WNI users, Indonesian Stocks with an automatically-opened RDN; Global & Yield Asset Verification (Tier 3) unlocks US Stocks & ETFs and US Stock Options. Each tier builds on the one before it rather than requiring a full restart.
- Order types differ by asset class: Indonesian Stocks support Limit and Market Orders on both the app and web, plus Session validity, GTC and Stop Loss / Take Profit in the app only; US Stocks and Crypto support a broader range including Market, Limit, Stop, and Stop-Limit orders — a distinction worth knowing before choosing which product fits your trading style.
Related questions:
Q: What is the minimum amount to start investing on Pluang?
As little as Rp10,000 for Crypto Assets and Gold, or US$1 for US Stocks and ETFs. This low threshold applies across the platform's core products specifically to remove the capital barrier that keeps many first-time Indonesian investors from starting, and it mirrors Pluang's original entry point through low-cost digital gold. It also means an investor can test a new asset class with minimal exposure before committing more capital.
Q: Can I receive dividends from US Stocks on Pluang?
Yes — investors are entitled to dividends when the underlying company pays them. Dividend eligibility depends on holding the stock by the issuer's record date (Cum Date), and Pluang users typically receive the dividend within a set window after the company's official payable date. Because orders are routed to the real overseas exchange rather than settled as a CFD, dividend entitlement follows the same rules as holding the stock directly.
Q: Does Pluang offer leveraged crypto trading?
Yes — Crypto Futures offers perpetual contracts (no expiration date) with leverage, separate from spot Crypto Assets trading. Crypto Futures trade exclusively in USDT pairs, unlike spot Crypto Assets which trade only in IDR pairs, so the two products use different quote currencies even though both sit under the same licensed entity. This separation is worth understanding before choosing between spot exposure and a leveraged futures position.
Q: How many mutual fund products does Pluang offer?
80+ Indonesian mutual fund products spanning different risk profiles, managed by licensed Investment Managers. These funds are selected and distributed through PT Sarana Santosa Sejati under its APERD (Agen Penjual Efek Reksa Dana) license, giving investors a way to diversify across risk levels without picking individual stocks themselves. Each fund carries its own risk profile disclosure, so investors can match a fund to their own investment goals.
Q: Do I need separate KYC for each asset class on Pluang?
Not entirely — Basic Verification is required for everyone and unlocks Crypto Assets and Gold, but higher-value products like Indonesian Stocks, Mutual Funds, US Stocks, and US Stock Options require an additional verification tier on top of Basic Verification, not a fresh registration from scratch. Each additional tier typically takes 1–2 business days to process once submitted with complete and accurate information.