Retirement planning. Often we do not realize that the time passed so quickly and without the starting age was changed from the head first and then became the head two to three heads and suddenly we were in the head four or five. Our hair was jet black and started to slowly fade to white in line with the increase of our age. Many people say well it adds additional age wise .... Hhmm's right nor wrong, well if yah plated on white hair aja kan look so young anymore. But apparently things about the pension fund problem is not as easy as dyeing white to black again when you are entering old age. You have to do financial planning since the early to prepare for your pension fund. Do not be late for this one time can not be replaced with others such as the story had white hair.
Now do not linger longer immediately take your financial calculator and start calculating how much it actually needs your retirement future. There are two methods that can be used for retirement planning is the first and second method is the Income Approach Expense Method Approach, but the two both have the same purpose which is to determine how much money you should invest every month from now so you can have this level of economic life good when you retire. In the event you lack the ability to be able to make an investment to meet retirement goals you should take a more aggressive strategy such as by seeking additional income by finding a more promising job or take other additional part-time jobs in order to achieve the above or otherwise be satisfied with a lower lifestyle someday when you are entering old age.
Illustration of how to count more or less like this is suppose to satisfy your lifestyle now needed funds amounting to Rp. 120 million per year, when to arrive to the time of retirement is still 20 years away (to arrive at the age of 55 years), assuming inflation of 8% per annum, then the time will come you need a fund of Rp. 559 314 857, - per year in order to have the same standard of life with the present. Well from there on the countdown again for example the target is a 20-year retirement until age 75 years, then how many total accumulation of funds needed at the beginning of early retirement for example assuming that the net return for the period amounted to 2% and didapatlah that accumulated the necessary funds on early retirement is the beginning of Rp. 9145599603, - If the assumption you do not have any investments at this time, to meet the goal of living to maintain the same lifestyle that starts from 20 years from now when you are starting to retire, then you should make an investment of Rp. 9,244,933, - per month, assuming an investment return of 12% per year. If your current income is Rp. 20 million per month or Rp. 240 million per year, it does not matter much because there is still money left over Rp. 10 million per month to prepare for such pensions, but if not, then you should be extra cautious and do the hard work to cover the shortage from now.
It's just one extreme example to illustrate the needs of your retirement fund, I hope things were not like that where possible you already have an investment property or other financial investments and other additional retirement funds are good investment returns that have been able to meet most needs of the accumulated funds such pension at a later date, so you simply count the lack of investment that must be done per month now during your productive life. However we must try to prepare ideally supposed to do, well turned out at a later date if your son be a successful person and willing to maintain and manage all your needs well be grateful for it, and about the money that you already prepared can be used for other useful things. Whatever the reason you are preparing for retirement early on, the faster it gets easier to go after him.
Be careful if you live on now, so you are happy and complacent with it, because at that time usually we forget to think about the old days these funds. Many other examples in his youth and the affluent life sparkling, but in his old age of scarcity. Beware!
It's just one extreme example to illustrate the needs of your retirement fund, I hope things were not like that where possible you already have an investment property or other financial investments and other additional retirement funds are good investment returns that have been able to meet most needs of the accumulated funds such pension at a later date, so you simply count the lack of investment that must be done per month now during your productive life. However we must try to prepare ideally supposed to do, well turned out at a later date if your son be a successful person and willing to maintain and manage all your needs well be grateful for it, and about the money that you already prepared can be used for other useful things. Whatever the reason you are preparing for retirement early on, the faster it gets easier to go after him.
Be careful if you live on now, so you are happy and complacent with it, because at that time usually we forget to think about the old days these funds. Many other examples in his youth and the affluent life sparkling, but in his old age of scarcity. Beware!
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