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| Prosperous retirement. Image: kentinternationalgroup.com |
Are
you prepared to fund your retirement? You definitely are currently working or
are running a business, and then you need to create a financial plan. You need
to enter most of your income into retirement instruments, insurance and
investments.
You
should understand right investment instrument you choose because there are
investment instruments that are low risk, there is also a high risk.
Retirement
can be a critical time for most people. Therefore, we need to prepare for early
retirement, while we are still in the productive age. The average Indonesian
people prepare for retirement at the age of 40 years. In fact, in the developed
countries most people have
started to prepare for retirement at age 30.
So,
what to do to prepare for retirement? Nowadays a lot of ways you can do to
prepare for retirement. Each way would have more value. Choose how to prepare
for retirement in accordance with the character and needs.
Business
Opening
a business is very good and you can make profitable business. However, the necessary
preparations are very mature, like a strong venture capital, energy and enough
time, and expertise. In opening a business, we also must be prepared to
anticipate the things that might happen in the future, such as the risk of loss
or additional capital capacity. The most important thing is mental preparation,
such as patience, perseverance, and a strong commitment.
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| Work and retirement plan. Image: thefinancialadvisor.com.au |
Routinely saving
In
the current era, the salary is usually paid through saving account. Well, employees
whose earnings can be transferred through bank salary set aside some money for
savings. This is fine. That must be remembered is, first, the value of the
funds deposited in the bank are usually not comparable to the value required in
the future. Second, the value of money in savings would be taxed and administrative
costs. Lastly, do not try to choose this way if you are not disciplined saving
or wise use of money.
Investment
Investment
instruments today are very diverse, there are stocks, bonds, mutual funds, and
so on. You can select the instrument that suits your character. However, you
should understand the true instrument of investment you choose because there
are investment instruments that are low risk; there is also a high risk.
Insurance
Nowadays
insurance products are very diverse. In fact, there are now insurance products
are also supported by investments. Excess insurance is a target of the desired
fund or plan can still be achieved, despite the things that are not desirable. Contact your
insurance agent to get more information so you can earn more money and
protection. Don't forget to create health insurance for your future.
If
you already have a financial plan, it is old age or retirement you will be more
comfortable and prosperous.
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