Playbook 01 gives you Rp1 billion for Rp100 million a year at 10% yield. That math is correct and useless, because it prices your life in today’s rupiah.
If your cost of living rises 5% a year, a flat Rp100 million buys less every year. To keep your purchasing power, the capital must satisfy:
Required capital = T ÷ (y − inflation)
Rp100 million ÷ (10% − 5%) = Rp2 billion. Double the naive answer. The gap between the two numbers is the tax that everyone pays and almost nobody budgets.
The rule in one line: a yield that doesn’t beat inflation isn’t income, it’s a slow liquidation of your lifestyle.
When I run my own allocation math, I use the inflation-adjusted figure or I don’t run it at all.
| Rev | Date | Description |
|---|---|---|
| A | 2026-09-30 | Initial issue. |