Persiapkan Dana Pensiun, Sesimpel Ini Dengan 4% Rules

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Sobat sekalian pasti sering mendengar bahwa jika ingin pensiun kita harus menyiapkan dana pensiun agar bisa menjalani masa pensiun secara nyaman. Namun, pasti keluar berbagai macam pertanyaan mengenai persiapan dana tersebut. Sebenarnya butuh berapa banyak dana sih yang harus kita persiapkan untuk masa pensiun nanti? 

Nah ini bisa kamu jawab dengan 4% rule atau The Trinity Study, yuk kita bahas bersama!

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Pengenalan 4% Rule

4 % Rule merupakan tingkat penarikan maksimum yang bisa kamu tarik secara rutin dari tabungan pensiun setiap tahunnya. Aturan ini ada untuk menjaga dana pensiun tetap terkontrol aman. 4% Rule ini bisa kamu gunakan sebagai acuan karena berdasarkan studi yang 3 profesor keuangan lakukan di Universitas Trinity dengan melihat tingkat return investasi dalam 15-30 tahun, tingkat return investasi rata-rata kemungkinannya kurang dari 4% per tahun. Persentase ini kita peroleh dari asumsi keuntungan investasi rata-rata 7% per tahun kemudian kita kurangi dengan asumsi inflasi yang terjadi sebesar 3% per tahun.

Setelah mengetahui mengenai pengenalan singkat aturan 4% ini, mari kita langsung mencoba berhitung dengan contoh kasus agar lebih paham yaa!

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Perhitungan Dana Pensiun Dengan Rumus 4% Rule

Rumus :

Dana Pensiun = Pengeluaran Tahunan x 25

*Angka 25 diperoleh dari 100% dibagi 4%

Misalkan sobat OneAset memiliki pendapatan sebesar Rp 10 juta per bulan di umur 30 tahun, setiap bulan pengeluaran bulanan sobat adalah Rp 7 juta. Sehingga pengeluaran tahunan sobat per tahun adalah Rp 84 juta. 

Jadi Dana pensiun yang harus kamu persiapkan oleh sobat adalah Rp 84 Juta x 25 = Rp 2.1 Milyar. Ini merupakan angka minimum aman, dengan target pengeluaran bulanan yang semakin besar maka dana pensiun yang harus sobat persiapkan juga semakin besar mengikuti gaya hidup sobat.

Namun sobat pasti bertanya-tanya wah dengan uang sebesar 2.1 milyar mau kamu kumpul sampai kapan? mau darimana dicari agar bisa mendapatkan uang sebanyak ini? Nah ayuk kita cari solusinya bersama!

Solusi Mengumpulkan Dana Pensiun

Dengan simulasi diatas, ketika berumur 30 tahun, maka sobat harus menentukan kapan waktu untuk pensiun. Kita tetapkan misal di umur 50 tahun, maka sobat mempunyai 20 tahun untuk mengumpulkan dana pensiun sobat.

Nah selanjutnya adalah solusi utamanya, bagaimana mengumpulkan dana pensiun ini?

yang pertama adalah dengan berinvestasi, ayuk kita berhitung terlebih dahulu.

kita asumsikan mengalokasikan dana 3 juta untuk investasi per bulan di beberapa instrumen investasi dengan suku bunga yang kamu peroleh per tahun adalah 10%. Investasi ini kamu lakukan rutin setiap bulan selama 20 tahun. Maka dana yang akan terkumpul adalah sebesar Rp. 2.068.627.482 (2 M). 

Wah besar juga yaa ternyata dengan konsisten berinvestasi bisa mendapatkan dana pensiun sebesar itu. Selain itu, sobat juga bisa mencari passive income dari menyewa properti yang sobat punya, ataupun bisnis atau usaha yang sistemnya sudah di autopilot oleh sobat. Sehingga semakin banyak dana yang sobat alokasikan tiap bulan, maka dana pensiun sobat bisa lebih cepat terkumpul dan lebih cepat pensiun dengan hitung-hitungan seperti itu!

Bagaimana sobat? tidak mustahil kan untuk pensiun dengan aman dan tentram tanpa harus memikirkan sesulit itu. Yuk segera rencanakan seberapa besar dana pensiun yang sobat inginkan dan gaya hidup seperti apa pada masa pensiun nantinya!

Jangan lupa Give Applause, Komentar kalau masih ada yang bingung, dan Share ke teman terdekatmu. Follow juga IG @davidwijaya23 untuk informasi seputar keuangan, kesehatan, dan buku yaaa!

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Sumber : 

https://www.cnbc.com/select/what-is-the-4-percent-retirement-savings-rule/#:~:text=The%204%25%20rule%20states%20that,for%20inflation%20each%20subsequent%20year.

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