Financial planner of Financial Planning & Consulting Money Love Freddy Pieloor argued the same. “Pension Fund of the Office is considered a bonus,” he said. So the importance of allocating private pension funds, early on, appropriately, everyone forms a mindset that the allocation of pension funds is a necessity and not accidentally set aside from the revenue earned will stay at.
The expectation, the funds set aside for these could be a substitute income post as usual received during the work. These funds are useful to meet the necessities of life and as a health fund. Understandably, sometimes limiting the age of health insurance claims, i.e. an average of only up to the age of 55 years.
Beyond meeting the needs of the everyday, Budi added, pension funds could even designed for funding Pericles in the old days. “For example, want to enjoy old age with Europe,” he said.
The value that should be set aside to fund the formation of pension, according to the financial planner, very relative. Many factors affected it, such as the current salary, earnings expectations and lifestyle during retirement, your investment would be the character, as well as long do allowance funds.
Budi provides an overview of the calculation of the funding allocation. With a salary of Rp 5 million current and eager to enjoy the money equivalent to the value of the pension point later, you have to set aside funds of USD $ 1.3 million per month and invested in instruments that can produce a return of approximately 25% per year. Therefore, Rp 5 million today, with an average inflation rate of 12% per year, equivalent to Usd 119,42 million in 28 years.
Freddy argues, in order to be safe, someone could set aside money for retirement fund with a minimum of two times the percentage of inflation at the moment. So, if inflation year on year (yoy) January 3,65% yesterday, the funds must be set aside was 7.3% of total revenue. If you intend to allocate a pension for yourself and spouse, multiplied by the magnitude of two longer or become a 14.6%.
Zizi’s suggestion, we recommend bags of pension funds husband and wife are separated. This is to anticipate things not good that may occur, such as divorce. Well, here are a few investment tools that can be utilized to establish a pension fund.
Mutual fund shares
There are at least two advantages to be had from investing in mutual fund shares, i.e. the potential return from the movement of stock prices and the ease of investing.
In contrast to stocks that require handling more observant, through mutual funds, your investment will be Dirac by the investment manager (MI). Potential return was large enough, it could be up to 30% per year. But, there is indeed a risk value of investments can go down because of the fluctuation in stock prices that became his portfolio.
For investors in mutual funds involves a moderate, could be a mix of options. The reason is, the smaller the risk of his investment.