jadikaya.sqalytics.id

School Fund OS

Rp1B target window: 8 June 2026 to 8 June 2031

Projected fund Rp0 Calculating
Gap or surplus Rp0 Against Rp1B
Clinic net/month Rp0 Rp0 per seat
Seats needed 0 At current price and costs

Simple money map

What should we do now?

Learning mode
Today's move Build the boring base first

Use safety money before risky money.

Safety box SBN + RDPU

Most of the school fund lives here.

Growth box Wait and DCA

Stocks come after the safe rails are ready.

Crypto box Tiny experiment

Crypto lives only in the 5% experiment bucket.

Money road Path to Rp1B

5 years

Money buckets Where each top-up goes

70 / 25 / 5

Weekly watch

Gold and FX timing

Open for graph
Gold hedge Gold price weekly

Waiting for crawler

Stock timing FX watch for blue chips + dividends

Waiting for crawler

Auto crawler

Market intelligence

Loading
Last refresh Waiting for crawler
Next weekday refresh 08:00 / 20:00 WIB
Latest stance Building signal

Hard macro sensors

Gold, FX, oil, rates

Regional sentiment

Govt, US, China, Europe, ASEAN

95% CI regime

Building model

Anomaly telemetry

0 score

Macro news

Rates, SBN, FX

Micro news

Consumers, UMKM

Market news

Gold, IHSG

OpenClaw internal insights

0 signals

DeepSeek external insights

Not configured

7-day suggestion history

Weekday 12h cadence

Model audit

Crisis stress test accuracy

Playbook fit, not prophecy
Stress playbook score 0%

Weighted fit across historical and current crisis regimes.

Defensive hit rate 0/0

Checks where the model gives the right risk-control posture.

Biggest model gap Loading

Highest-priority telemetry missing from the current engine.

Audit graph Scenario playbook score

100 = stronger fit

Audit lens What this proves

Model limits

Five-year model

Capital path

Projected fund Linear target
Invested capital Rp0
Experiment budget Rp0
Monthly income est. Rp0
Food product launch clinic tabletop with packaged food prototypes and ingredients

Monthly product

Food Product Launch Clinic

From recipe to legal, safe, sellable product.

Target cohort 65 seats
Gross/month Rp0
Net/month Rp0
  1. Recipe, costing, and pricing
  2. PIRT, halal, BPOM pathway
  3. Shelf-life, label, and packaging
  4. Launch channel and first sales

Deployment formula

70 / 25 / 5

Boring legal investing Rp3.500.000
SBN, RDPU, cash reserve, gold, USD/SGD hedge
Growth assets Rp1.250.000
Index fund, equity mutual fund, dividend saham
Experiments Rp250.000
Ads, webinar tests, sales pages, partner outreach

Operating targets

Monthly loop

Lead target 650
Conversion target 10%
Ad test budget Rp0
Rp5M match seats 0
SBN/RDPU for stability Equity for growth Gold and FX for hedge

June 2026 focus

Boring investment shortlist

Product launch starts July
Strict formula Rp3.500.000 boring bucket

Keep the remaining Rp1.500.000 in RDPU until July growth and launch decisions.

This month action Open rails, buy slowly

Set up e-SBN, RDPU, gold, and FX access before adding higher-risk assets.

Next SBN watch ORI030: July 2026

ST016 closed on 3 June 2026; park ORI030 cash in RDPU for now.

Bucket Candidate 5-year trend signal June rule
Core boring RDPU / money market mutual fund Low volatility; benefits from higher local rates after the 2021 low-rate period. Use as parking lot for SBN cash and the July launch reserve.
Core boring SBN Ritel: ORI, SR, SBR, ST Retail coupons are back around the 5.4%-6.6% zone; 5Y government yield is elevated. Prepare Mitra Distribusi account; wait for ORI030 or buy secondary only after checking price/yield.
Cash safety Bank deposit under LPS terms Useful for stability, but current guaranteed bank deposit rate is below SBN coupons. Only use if rate stays within LPS guarantee terms and liquidity is needed.
Hedge Gold: Antam or regulated digital gold Very strong 2021-2026 trend, but now expensive and spread-sensitive. DCA small amounts; avoid panic buying after sharp rallies.
Hedge USD / SGD cash or low-risk FX account Rupiah weakened materially versus USD and SGD over five years. Accumulate gradually; no leverage, no forex trading schemes.
July watch IHSG index fund / ETF / dividend saham Five-year endpoint is weak after the June 2026 drawdown; risk is high but valuations may reset. No lump sum this month; start DCA after boring rails are running.
July launch Food Product Launch Clinic waitlist ads Not passive, but the highest-control path to increase monthly investable cash. Create landing page, lead magnet, and first webinar funnel next month.

Decision lens

5-year progress by instrument

Uses current dashboard inputs
Best boring core SBR or ST

Floating-with-floor coupon, low price noise, but hold mostly until maturity.

Best parking lot RDPU

Use while waiting for SBN windows, product launch costs, or emergencies.

Best hedge trend Gold + SGD/USD

Strong protection against rupiah weakness, but no monthly income.

SBN projections use net coupon after 10% final tax and assume coupons are reinvested for comparison. Real SBN coupons are paid monthly as cash; ORI/SR market prices can move if sold before maturity.

Graph 1 5-year index path

100 = start

Graph 2 Your DCA outcome

Rp5M now + Rp5M / 2 mo

Graph 3 Decision scorecard

5 = stronger / higher

Graph 4 1-month 95% interval

Rp5M today

Graph 5 6-month 95% interval

Includes scheduled top-ups

Model inputs Parameters that move the forecast

Monthly log-return model