Written By hendra wahyono on Senin, 25 November 2013 | 18.18
" Ah , the old is still gold , which is now used to enjoy living alone , " they said. Well, if you like it , in fact we all want to retire when the heck ? Let 's discuss ...
Retirement is a time when we already do not have a steady job and a steady income again , meaning in retirement that we can enjoy the life of the results of our work so far .
The question is , what's really been able to enjoy the rest of the life of our hard work ?
While there are some people who when retired already have their own business or become an expert in the field so that they have a much larger income than when actively working even passive income so that they can or can enjoy life after a very hard working at half their lives , but in Indonesian position is still very little .
Question again , whether we are in fact still present in the active phase of work , there is also a mid-career and even some that are in the peak of his career was already thinking about retirement ?
According to the Financial Quotient survey conducted a private bank in 2007, exposing the fact that quite astonishing that only 32 % of people do their retirement preparations with mature , meaning that the population of Indonesia is still very much the pension is not considered important part of their lives .
And I 'm sure 32 % of those who prepare for retirement , mostly because it helped the pension fund given or prepared from their place of work .
Another survey is Life Outlook Index ( by a private insurance company that conducted in 8 countries in Asia in the same year said that the new people when they prepare their retirement age of 49 years , it means that if the average person retiring at age 55 .
Though come to think and calculated in detail , using the formula Time Value of Money aka TVM we can predict roughly how much it costs our lives in the future , and if you add up the cost of the pension to be prepared to be huge.
The fund could reach billions of dollars even tens of billions of dollars . Well , to raise funds required no small amount of this large monthly investment funds or if you want to invest with funds that are not too big so it takes a long investment horizon , so that the fund can grow to its full potential .
Label: Business strategy