What Is Pluang Plus, and How Does Its US Stock Fee Differ From Regular/GSS?
Pluang Plus is a membership tier for users whose Net Investment Value (NIV) reaches at least IDR 100,000,000, unlocking a lower US Stock transaction fee of 0.2% per trade compared to 0.3% for Regular users, plus priority customer support and fuller access to research features. NIV is based on your cumulative top-ups, incoming transfers, realized gains, and dividends minus withdrawals, outgoing transfers, reallocations, and realized losses — it does not fluctuate with market prices the way your portfolio value or AUM does, since only realized events move it. Eligibility is automatic once your NIV crosses the threshold, with no application, fee, or manual upgrade required, and you keep Pluang Plus status for as long as your NIV stays above IDR 100,000,000, reverting back to Regular pricing only if your NIV later drops below that line.
Pluang Plus vs. Regular — key differences:
| Benefit | Pluang Plus | Regular |
|---|---|---|
| US Stock transaction fee | 0.2% per transaction | 0.3% per transaction |
| Daily Leverage Fee | 0.0125%/day (4.5%/yr) | 0.0208%/day (7.5%/yr) |
| USD Yield rate | 3.38%/yr | 0.63%/yr |
| Customer support | Priority Service Line | Standard |
| Expert Signals (Research & Discovery) | Full access — all signal data, Buy CTA, and Read More research notes | Gated preview — top signal only, trade data hidden |
Eligibility: NIV (Net Investment Value) ≥ IDR 100,000,000. NIV = (Top-ups + Incoming Transfers + Realized Gains + Dividends) − (Withdrawals + Outgoing Transfers + Reallocations + Realized Losses). Because NIV only moves on realized events, simply seeing your portfolio grow in value from unrealized price gains will not push you into Pluang Plus on its own.
Both tiers still pay the same mandatory regulatory fees on every US Stock transaction — JFX & KBI fees, SEC fees, TAF fees, and CAT fees — since only the Pluang-side transaction fee percentage changes between tiers.
Related questions:
Q: How do I know if I've become a Pluang Plus member?
Pluang Plus status is granted automatically the moment your Net Investment Value crosses IDR 100,000,000 — there is no application form, upgrade fee, or manual request involved. You can check your current tier and NIV progress from your account or portfolio summary page in the app, and your transaction fee rate will reflect the lower 0.2% automatically on your next trade once you qualify.
Q: Can I lose my Pluang Plus status?
Yes — Pluang Plus is tied to your NIV staying at or above IDR 100,000,000, not a one-time achievement you keep forever once reached. If your NIV drops below the threshold, for example through large withdrawals or a string of realized losses, your account reverts to Regular tier pricing and benefits — including the higher 0.3% transaction fee — until your NIV climbs back above the line again through fresh top-ups or gains.
Q: Does portfolio growth from unrealized gains count toward Pluang Plus eligibility?
No — NIV is deliberately built to exclude paper gains from price movements, unlike your overall portfolio value or AUM. It only increases through realized events such as top-ups, incoming transfers, realized gains from positions you've actually closed, and dividends received, which is why your NIV can stay completely flat even while your portfolio's market value is climbing purely on unrealized appreciation.
Q: Besides the lower transaction fee, what else changes with Pluang Plus?
Pluang Plus also lowers your Daily Leverage Fee from 7.5% per year down to 4.5% per year and raises your USD Yield rate from 0.63% per year up to 3.38% per year, a meaningful difference if you keep idle USD balance. On top of the fee changes, you also gain access to the Priority Service Line for faster support and full access to Expert Signals research, instead of the gated preview that Regular users see.