I Keep Choosing to Spend. Intentionally.
Spending isn’t the problem. Spending without intention is. Discover how to use festive money strategically to build long-term wealth.
When Money Felt Light
When I was younger, money felt easy. It came in red envelopes during Chinese New Year, and I spent it without thinking twice.
I grew up in a Chinese household where Chinese New Year meant big family gatherings, endless food, and of course, angpaos. At the end of each visiting day, I would sit down with my cousin and count the envelopes. I would set aside some to buy new clothes or toys, and ask my parents to keep the rest for me.
I’ve always liked spending money. And I still do. The difference is today, I’m more intentional about where it goes.
Back then, most of my angpao money went to things that made me happy for a moment. Collectibles. Clothes. Small indulgences.
Seeing Money Differently
Now, as a working adult, I see money differently. I realize that most of what I spent my angpao money on brought short-term happiness, but no long-term value.
And this year, it changed.
Instead of spending extra money on things that are purely material, I decided to use it to secure my future self. Because the simple truth is: the earlier money starts working, the harder it works.
Putting Numbers Into Perspective
Let’s put numbers into perspective.
Assume I received IDR 5 million in angpao money each year for 5 years. If I had simply kept it untouched, it would total IDR 30 million at the end of the 5th year. But if it had been invested consistently in AMP Enhanced (Risk 3), a neutral risk profile with 5%–50% equity exposure, the outcome could have been significantly different.
The difference came from time, discipline, and compounding.
Notes: Data is based on backtested results
Built by Today’s Decisions
That’s when I realized: my future self is built by today’s decisions.
With Chinese New Year behind us and Ramadan festivities ongoing, many of us receive angpao or THR. It’s easy to spend it on a new gadget, fashion items, or dining out. There’s nothing wrong with enjoying your money but allocating even a portion to investment can change your financial trajectory.
Let’s splurge on things that matter in the long term.
Instead of only buying things that lose value over time, start putting money into something that grows with you. Your future self will thank you.
Invest Through AMP and Get Rewarded
If you’ve been curious about trying AMP, this is the moment. Stay invested and get rewarded IDR 500K through our latest promo. It’s our way of helping you take the first step toward a more secure future.
To celebrate the first month after launching our Actively Managed Portfolio (AMP) service, we’re rewarding users who are ready to start investing through AMP.
From 25 February to 25 March 2026, new users who invest a minimum of IDR 5,000,000 in AMP and stay invested for at least three months will receive extra Reksa Dana worth of IDR 500,000 reward.
Campaign Period: 25 February – 25 May 2026
How to Start? Follow these steps.
1. Start early. Open and invest in an Actively Managed Portfolio in the Simpan app starting 25 February 2026 until 25 March 2026, with an initial deposit of at least Rp 5,000,000.
2. Grow your investment. You must perform at least one manual top-up in the top-up window(s) defined below*. These contributions should bring your total net deposit to Rp 15,000,000 by the end of the challenge.
(Net deposit = total invested amount minus any withdrawals.)
3. Stay invested. To remain eligible, you must stay invested in the Actively Managed Portfolio from your initial investment until 25 May 2026.
NOTE: The reward is limited to a fixed number of participants and reserved for committed investors who complete all requirements successfully.
To maximize your chance of qualifying, we recommend making your initial deposit as early as possible after 25 February.
Eligibility Criteria
Open to new or existing Simpan users who have not previously activated an Actively Managed Portfolio (AMP).
Participants must maintain a total net deposit of Rp 15,000,000 in their AMP by the end of the campaign period.
Each participant is eligible for one reward only. Opening multiple AMP portfolios does not qualify for additional rewards.
The program is limited to the first 50 eligible participants who successfully fulfill all Terms & Conditions.
Selection Mechanism
The first 50 participants will be determined based on the earliest completion of the challenge requirements within the campaign period.
Participants must complete each required step within the specified timeline to remain eligible.
Failure to comply with any Terms & Conditions will result in automatic disqualification.
In the event of a tie or dispute, Simpan reserves the right to determine the final recipients based on order of qualification and total net investment amount.
The reward & distribution
Investors who have completed all requirements successfully and have been selected will receive their reward within 14 business days after 25 May, which will be invested directly into your Actively Managed Portfolio.
This is your opportunity to start investing with discipline and get rewarded for it.