Cara Menghitung Dana Pensiun Dengan Teori 4% Rules

Aug 16, 2021Mengelola Uang, Passive Income

Coba bayangin bila sekarang kamu sudah bekerja, sampai kapan kira2 kamu ingin tetap bekerja? Bukankah kamu bisa menikmati hidup bila sudah pensiun atau memilih bekerja atau tidak? kalau iya, berapa ya uang yang perlu kamu kumpulkan untuk bisa pensiun?!

salah satu goal Nubie Investor adalah bisa bebas untuk memilih kerja atau tidak, jadi bukan kerja karena kewajiban untuk mencari uang, tapi bekerja bila memang menginginkan.

Salah satu aturan yang cukup terkenal untuk menghitung pensiun adalah 4% rules! Penasaran? yuk kita pelajari hitung2an untuk pensiun yang satu ini.

Apa itu 4% rules dan sejarahnya

William Bengen adalah seorang financial planner yang meneliti dan menerbitkan teori ini ditahun 1994. William sebagai seorang financial planner tuh penasaran, sebetulnya berapa sih angka penarikan dana pensiun yang pas, sehingga asset kita dapat bertahan hingga kita tutup usia (dengan asumsi minimal 30 tahun)

Ia meneliti keadaan pasar di 51 tahun dari tahun 1926 hingga 1976 (S&P 500) berapa nilai yang bisa ditarik dari asset kita, karena yang diteliti cukup panjang sudah menggambarkan beberapa krisis bahkan perang yang tentunya mempengaruhi keadaan ekonomi.

William akhirnya menemukan ditarik senilai 4% adalah angka yang paling aman untuk tetap dapat memenuhi minimal 30 tahun dana pensiun kita bertahan. Bila kamu penasaran essay William kami lampirkan di deskripsi ya.

jadi misalnya seorang pensiunan di amrik memiliki 1juta dollar saat pensiun. maka amannya setiap tahun asset nya itu ditarik senilai 40rb dollar / 4% dari 1 juta. tahun ke 2 dan seterusnya akan 40rb $ juga dengan disesuaikan inflasi, kurang lebih seperti itu.

Penelitian William Bengen pun akhirnya ada turunannya, dengan dibalik pola pikirnya. Bila William melihat dari total asset si pensiunan amannya digunakan 4% tiap tahun.

turunannya adalah rules 25x yaitu berapa pengeluaran tahunan kita dikalikan dengan 25x. itulah total jumlah asset yang perlu kita kumpulkan untuk bisa kita gunakan sebagai uang pensiun yang dapat mengcover kebutuhan hidup kita dan keluarga kita

jadi misalnya kita mau hidup dengan 60jt per tahun atau 5 jt perbulan. maka kita perlu mengumpulkan 1.5 milyar (60 x 25)

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