No one rejects happy in old age. Everyone wants to, but not everyone can.
To be happy in the old days, of course we must have a plan. This is what is often a problem. People escape planning, feeling life like water flowing.
Indeed, people may live spontaneously. However, everything should be planned so that we have a benchmark to take a step forward.
Just look at successful entrepreneurs. In business, there are always short, medium and long term plans. Targets are included in the plans to achieve.
This also applies to achieve happiness in old age. It is time to care about future plans. If you want to live well in old age, do not ignore these things yes:
- Health insurance
Insurance is one form of future investment. Maybe there are still who think, why pay every month but not necessarily have results.
Health insurance is clearly important to bear the financial risks due to matters related to health (insurance / forbes)
Indeed, we do not expect pain so health insurance benefits can be enjoyed. But the fate of those who know.
Ever heard of the artist who suddenly sick and died after exercising? Whereas before they were healthy.
When it is still working, maybe we can rely on insurance from the office only. But once retired, of course we must have their own health insurance.
BPJS Health certainly must exist. It would be better if coupled with health insurance. After all, the benefits of both can be combined.
- Retirement savings
Once the retired employees, of course we will have a provision in the form of pension funds from the office in the form of severance pay. But first count, is not it enough severance to live happily in old age?
Retirement savings can be a solution to meet the needs of life in retirement. Start saving early, and do not tamper with.
The earlier the retirement savings begin, the greater the later results when it is not working anymore. Find a pension savings program that offers the highest interest, separate it with major savings let the funds not be taken.
- Investment
Savings can not be classified as an investment, because the yield is very small. Return of interest from savings even often less than the rate of inflation.
Choose a more productive investment but with relatively little risk, such as mutual funds. With capital below Rp 1 million, we can already invest money in mutual funds.
investment is like we plant money in youth and can pick fruit in old age. (investment / Twitter Kairyssdal)
A similar program of mutual funds offered by the bank for the purpose of pensions can be selected, namely the Pension Fund Financial Institutions (DPLK). There are many banks that have DPLK programs, including BRI and Mandiri.
Investment is important for financial needs in the old days. If you have savings and pension funds plus investments, it will be easier to reach a happy life when no longer work.
- Business alone
While working as an employee, try to open your own business for the sake. This small business can be a living capital when it retires someday.
This is especially important for those who plan to run their own business once they are retired. Nothing wrong with open business early, so full of sour-salt and can learn from experience to achieve success.
Who knows instead of business prospects that run brighter than the salaries of employees now. However, the decision to resign to become entrepreneurs require careful consideration in order not wrong step.
- Private home
Home alias board is the basic requirement of every human with clothing and food. It would be happier if you retired to stay at home, not to contract here and there.
So, prepare funds to buy a house from now on. If you can not buy cash, there is no harm in credit. In fact new homes are now offered by way of credit.
If you get old but do not have a house yes want to live where (Home / House on Sale)
The first home mortgage loan (mortgage) is now relatively light, ie only 15 percent per 2016. There is even a program DP 0 percent or 0 rupiah in DKI Jakarta.
Make a mediocre income, can take advantage of subsidized home programs from the government. Houses in the program are sold at low prices. DP and monthly installments are light.
- Debt management
Make sure all credits and loans are fully paid upon retirement. Who wants to live in myriad debt?
Therefore, start designing debt management to pay off immediately. Earnings per month should be immediately allocated so many dollars to pay debts, including credit card bills that suddenly can mount if not immediately paid off.
Not the salary is spent first then the rest to pay the debt and saved. Instead, immediately set aside salary for savings and debt post, new rest for shopping.
Saving and debt accounts are fixed alias fixed, while post belanja can be tampered with. For example at the beginning of the month can still eat outside, towards the end of the month more often own cook to be more efficient.
Happy in old age is a choice. If you really want to be happy, there must be a plan to achieve it. The plan was not just for dashing.
There must be an effort to run it so that happy target in the old days can be done. Feel free to invite couples to prepare themselves, so that they can support each other for happiness tog.