{
    "success": true,
    "data": {
        "id": 1971709,
        "msgid": "on-a-minimum-wage-salary-want-an-iphone-18-dont-just-save-here-is-the-strategy-1789030904",
        "date": "2026-09-10 15:15:09",
        "title": "On a Minimum Wage Salary, Want an iPhone 18? Don't Just Save, Here is the Strategy",
        "author": "",
        "source": "CNBC",
        "tags": "",
        "topic": "Finance",
        "summary": "This article explores financial strategies for minimum wage earners in Jakarta to afford the newly introduced iPhone 18 Pro and iPhone Duo. It compares traditional saving methods and 0% credit card instalments against high-risk stock investments, such as PT Aneka Tambang Tbk, to achieve purchase targets.",
        "content": "<p>Apple has officially introduced the iPhone 18 Pro and the iPhone Duo.\nBoth feature the latest technology but come with significant price tags.\nInvesting could be one of the options to prepare the necessary\nfunds.<\/p>\n<p>It should be noted that Apple has not yet launched the regular iPhone\n18. The available models are the iPhone 18 Pro, iPhone 18 Pro Max, and\nthe iPhone Duo. Therefore, this calculation uses the standard-sized\niPhone 18 Pro (non-Max) as a comparison.<\/p>\n<p>Assuming an exchange rate of Rp17,500 per US dollar, the estimated\nprices in rupiah are provided below. This analysis uses the 256 GB\nvariant. The target funds required are approximately Rp21 million for\nthe iPhone 18 Pro and Rp35 million for the iPhone Duo. These prices are\nconversions from US prices and do not yet represent official prices in\nIndonesia.<\/p>\n<p>Can Minimum Wage Earners Afford It?<\/p>\n<p>The 2026 Jakarta Provincial Minimum Wage (UMP) is set at Rp5,729,876\nper month. With disciplined financial management, it is assumed that\nworkers can set aside approximately Rp900,000 every month. With these\nremaining funds, there are three methods that can be used: traditional\nsavings, fixed-income investments, or 0% credit card instalments.<\/p>\n<p>The iPhone 1s Pro remains relatively affordable in this scenario.\nBuyers could save for approximately two years or use a 24-month 0%\ninstalment plan. However, instalments require a credit card with a\nminimum limit of around Rp21 million. For the iPhone Duo, a more\nsensible option is to accumulate funds first. A 24-month instalment is\nunsuitable because the monthly payment would far exceed the remaining\nmonthly budget. Buyers would need a tenure of approximately 39 months to\nkeep instalments below Rp900,000.<\/p>\n<p>How to Achieve the Goal Faster?<\/p>\n<p>Workers with a high risk profile might consider more volatile stocks,\nsuch as PT Aneka Tambang Tbk (ANTM). Based on provided closing price\ndata, ANTM rose from Rp1,320 on 10 September 2024 to Rp3,300 on 10\nSeptember 2026. Overall, ANTM\u2019s price increased by 150% over two years,\nreaching 2.5 times its initial price. To calculate the CAGR, the final\nprice of Rp3,300 is divided by the initial price of Rp1,320, then\ncalculated for the two-year period. From this calculation, ANTM\u2019s CAGR\nreached approximately 58.11% per annum.<\/p>\n<p>If that return is assumed to be repeatable and Rp900,000 is invested\nevery month, the simulation results are as follows: Based on the\nsimulation, the target for the iPhone 18 Pro could be achieved in about\n17 months through ANTM, while the target for the iPhone Duo could be\nachieved in about 25 months. However, ANTM\u2019s returns were not stable.\nThe stock rose by 165.91% in the first year but fell by 5.98% in the\nfollowing year. Therefore, a CAGR of 58.11% cannot be assumed to recur\nevery year. While stocks can accelerate the achievement of the target,\nprice drops can also extend the time required for the purchase.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/on-a-minimum-wage-salary-want-an-iphone-18-dont-just-save-here-is-the-strategy-1789030904",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}