How do yield and staking rewards affect my portfolio profit and loss on Pluang?
Yield and staking rewards count toward your realised profit and loss when they are paid to you, because they are settled income rather than a change in the value of something you still hold. When Crypto Staking rewards are distributed, the reward coins are added to your holdings of that coin, and their value at the time of payout counts toward realised profit and loss. Your weighted average buy price is then recalculated to include the reward coins at that same payout value, so from that point on they are treated like any other units you hold: their unrealised profit or loss moves with the market, measured against the new average. USD Yield works differently, because it is paid into your USD cash balance rather than in units of an asset, so it adds to your cash and does not change the average buy price of anything you hold. In both cases the reward adds to your results; what differs is where it appears.
The formulas behind it
| Figure | Formula |
|---|---|
| Weighted average buy price | (Total cost of the coins you bought + value of reward coins at payout) ÷ total units held |
| Unrealised profit/loss | (Current mid price − weighted average buy price) × units held |
| Realised profit/loss on a sale | (Selling price per unit − weighted average buy price) × units sold |
Worked example (simplified, ignoring fees and spread)
You bought 10 units of a coin for a total of Rp1,000,000, or Rp100,000 per unit. A staking reward of 0.5 units is distributed when the price is Rp105,000.
- Realised from the reward: 0.5 × Rp105,000 = Rp52,500
- New weighted average buy price: (Rp1,000,000 + Rp52,500) ÷ 10.5 = about Rp100,238
- At a mid price of Rp110,000, unrealised profit: (10.5 × Rp110,000) − Rp1,052,500 = Rp102,500
Your total gain is Rp155,000: Rp52,500 realised from the reward plus Rp102,500 unrealised on all 10.5 units.
- Rewards are measured at payout. The realised amount reflects the reward's value when it was distributed. Any later rise or fall in the coin's price shows up as unrealised profit or loss on those units, not as a change to the reward figure.
- Accrued rewards are not in your holdings yet. Staking rewards build up as Accrued Rewards and are distributed every Tuesday; only distributed rewards reach your available wallet and your holdings.
Related questions:
Q: Why did my realised profit go up when I didn't sell anything?
Most likely because you received income such as staking rewards, dividends or other rewards. Realised profit and loss is not limited to sales: settled income counts toward it at the time it is paid, which is why the figure can grow in a period when you sold nothing. The portfolio summary's profit and loss breakdown lists dividends and rewards received separately from gains on sales, so you can see which part came from where.
Q: Why did my average buy price change after a staking payout?
Because the reward coins were added to your holdings at their value on the day they were paid. Your weighted average buy price is recalculated across all the units you now hold, so it moves toward the price at payout: up slightly if the payout price was above your old average, down slightly if it was below. This keeps the reward from being counted twice: its payout value is already in realised profit and loss.
Q: Does USD Yield change the average price of my US stocks?
No. USD Yield is paid on your withdrawable USD cash balance, not in shares, so it increases your USD balance and has no effect on the average purchase price of any stock you hold. Only rewards paid in units of an asset, such as staking rewards in the coin you staked, are added to your holdings and averaged into the buy price. USD Yield is paid on the 5th of each month, based on your balance in the previous month.
Q: What happens to my profit and loss when I sell coins that came from rewards?
The sale is treated like any other sale of that coin. Reward coins are part of the same balance and carry the same weighted average buy price, so realised profit or loss on the sale is the selling price per unit minus that average, multiplied by the units sold. The reward's own payout value was already counted when it was distributed, so only the price movement since then is added at the point of sale.