Saturday morning arrives once again. Last week, I opened my journals with a heavy heart after stepping away from the markets. Today, June 20, 2026, my mental energy is fully restored, and I am back to logging the latest numbers into my evaluation sheets. The good news is the heavy market storm from early this month is finally showing signs of letting up.
Let’s break down each investment bucket objectively.
1. The Long-Term Bucket (Future Wealth)
- Platforms: Pluang · Tokocrypto · Leveraged Account
- Current Standing: After a steep correction that brought it down to +10.37% in mid-June, this first bucket is slowly finding its footing, bouncing back to +13.04%.
- Asset Performance: Pluang is the primary driver behind this week’s recovery, pushing its balance up to $7,243.41. On the other hand, Tokocrypto remains sluggish near the bottom at $954.08, showing that the crypto market hasn’t fully broken out of its consolidation phase.
- The Leveraged Account: This account slid further down to $233.11, marking its lowest point since I started tracking it. The stroke of good luck that saved me from a Margin Call (MC) last week has now turned into a blunt reminder: volatility here is real, and this pos urgently needs a tighter risk management setup.
2. The Loan Interest Offset Bucket (15-Year Horizon)
- Platform: Bareksa (Domestic Equities Portfolio)
- Current Standing: While the first bucket is showing improvement, the reality in this second slot remains highly challenging. My stock portfolio on Bareksa has deepened its drawdown, sinking to a new low of -32.24%, with the total asset value down to $3,158.65.
- Reflections: This cumulative paper loss of -$1,502.63 is a structural low. As I reflected last week, this specific fund has a hard real-world deadline to offset consumer loan interests. With losses widening, the tactical step I took—deploying a fresh $1,116 into a separate platform—needs a clear execution plan to rebalance my macro performance.
3. The Short-Term Bucket (< 5 Years)
- Platform: IPOT
- Current Standing: There is a flash of green in the short-term bucket. After five consecutive weeks of bleeding without any signs of a bounce, IPOT staged a solid rebound this week, climbing back to -13.89%.
- Reflections: The asset value managed to crawl back up to $4,441.77. For a capital pool with a hard target under five years, this breath of fresh air means everything. The recovery math is finally starting to work in my favor as the capital deployment date edges closer.
🔭 The Big Picture: Global Portfolio Summary
Here is the combined performance summary of all three buckets as of June 20, 2026:
| Category | Initial Balance (USD) | Current Value (USD) | Profit/Loss (%) |
| Future Wealth | $7,458.05 | $8,430.60 | +13.04% |
| Loan Interest Offset (Stocks) | $4,661.28 | $3,158.65 | -32.24% |
| Short-Term Fund | $5,158.48 | $4,228.01 | -13.89% |
| COMBINED | $17,277.81 | $15,817.26 | -8.45% |
In total, the combined portfolio has narrowed its net deficit to -8.45% (with a current valuation of $15,817.26). The net unrealized loss has successfully shrunk from around $1,618 last week down to -$1,460.55.
Moving Forward
The partial recovery in Categories 1 and 3 proves that markets always move in cycles. Keeping a cool head helped prevent rash, emotional choices when the badai hit. However, the red ink in Bareksa is still flashing a warning sign. My primary focus this week is deciding exactly how to allocate that tactical $1,116 deposit to cushion the decline in my interest-bearing equity pos.
