Do I Need to Own Assets to Earn USD Yield on Pluang?

No — you do not need an asset portfolio to start earning USD Yield. The yield is earned on your withdrawable USD cash balance itself, not on any stocks or ETFs you might hold, so you can earn it with an empty portfolio and nothing but cash in the app. There is one requirement that does apply: USD Yield has to be activated in the app first, because it does not start automatically just because you are holding USD. Once it is switched on, the only condition is that the qualifying balance is there at the 10:00 WIB daily cut-off, which is the moment Pluang records the figure used in that month's average daily balance. This makes USD Yield useful for cash you are holding temporarily between investment decisions, not only for users running a long-term portfolio alongside it.

• No portfolio needed: You can earn USD Yield with an empty portfolio — no stocks or ETFs are required.
• What it is earned on: Your withdrawable USD cash balance itself, not the assets you hold.
• Activation is required: USD Yield must be switched on in the app; it does not start automatically.
• The only ongoing condition: The qualifying balance needs to be there at the 10:00 WIB daily cut-off.
• Why the cut-off matters: That is the moment Pluang records the daily figure used in the month's average daily balance.
• Practical use: Useful for cash you are holding temporarily between investment decisions, not only for long-term investors.

Related questions:

Q: Do I have to buy stocks or ETFs first?
No. USD Yield is earned on your withdrawable USD cash balance, independent of whatever stocks or ETFs you may or may not hold. An account with an empty portfolio and a USD cash balance earns yield in exactly the same way as an account with a large portfolio alongside it. There is no purchase, minimum holding, or asset type you need to acquire before the program starts working for you.

Q: Does buying assets change the yield I earn?
Indirectly, yes — not because holding assets is penalised, but because the cash you spend on them leaves your withdrawable USD cash balance. Yield is calculated only on that cash balance, so converting cash into a position reduces the balance feeding the monthly average from that point onward. Selling a position and leaving the proceeds as withdrawable USD cash brings the balance back into the calculation.

Q: If no assets are required, do I still need to activate USD Yield?
Yes. Activation is the one requirement that always applies. Holding a USD balance does not enrol you automatically, so an account that never switched USD Yield on earns nothing regardless of how much cash it holds or how long it holds it. You can activate at any point in the month, and your balance starts counting toward the monthly calculation from that date forward.

Q: What is the only condition once USD Yield is active?
That the qualifying balance is present at the 10:00 WIB daily cut-off. That is the moment Pluang records the daily balance figure it uses to build the month's average daily balance. There is no minimum balance to start earning, no lock-in period, and no requirement to keep the balance untouched — the daily snapshot simply captures whatever qualifying balance is there each day.