Allocating the cost of education for children since the early steps that are appropriate for each family. The primary education is a requirement for every individual in this modern era. Needs funds to get a good education also continues to creep up from year to year. In fact, if your children want to have a bright future, education is the answer.
Therefore, if one does not have parents to prepare children's education costs. Preparation costs that can be done by selecting a product education savings or insurance education. Both products can be an alternative to prepare for the future of the child.
Marketing Director of Fortis Investments Vivian Secakusuma funds that choose to prepare their child's education since the age one year. He put the money in education is part of the mutual fund and some savings in education.
For employees in the company's asset manager, Vivian prefer if the portion of education funding is placed more on mutual funds. Pertimbangannya, education funding needs are still long, so that when placed in mutual funds can get a higher return.
Why do not choose the education savings accounts? If choosing education savings, said Vivian, this time have many products to education savings accounts to provide insurance at a time.
Only difference, is that savings, the funds can be taken at any time, while waiting for insurance must fall temponya.
"So the choice depends on the needs. If you can not be disciplined with money, savings or insurance may be a choice," he said.
Separate part of the revenue to fund education, for Vivian, is important. The reason, if only on savings deposits is not enough to pay for the education of children.
Insurance education may be a difficult match for the disciplined with money. Mother of Lies, manager of leading retail companies choose to set up this fund children's education in the insurance products.
"If we do not buy insurance, fearing the money out for things less important," he said.
Education savings
Awareness of parents in planning the future of children is to provide opportunities for the banking and insurance industry to launch products that attract funding education.
Based on the search business, Bank Danamon, for example, removing the product Danamon Savings Education. Savings is a savings measure with the guaranty life insurance of up to 200 times the monthly deposit.
Customers of this product when death or permanent disability as a result of accident or illness will get insurance is insurance. 100% deposit of your savings per month, only 10% of a deposit premium. The rest of 90% deposit into a savings account that will be blooming every day.
Type of savings is also a target fund size of the offer of education desired by the customer. For example, the funding target of Rp660 million to pay for the education strata one (S1) with 16 year guarantee period and the inflation rate assumption of 10%.
How much of the funds that must be paid to achieve the target Rp660 million education fund, if your income is Rp15 million per month. First, the allocation of funds deposit 20% of income per month with the following composition (see table);
Meanwhile, Bank of Commerce Commerce Education Savings Accounts offer. This type of savings deposit offer from Rp100.000 per month, interest rates are greater than ordinary savings accounts and interest rate options provide fixed or float.
Savings are also promising Life Insurance premiums with automatic free monthly deposits will continue to mature in Commerce Education, if the depositor dies or permanent disability.
If you want the scope of insurance is better, Commerce Education Savings Insurance also offers a Plus (optional), simply add the cost of premium light only 7.5% of the monthly deposit insurance for optimal protection.
Other bids Commerce Insurance is the protection of Education if the client dies. While the insurance company that has long been popular in Indonesia, the Bumiputera 1912 Insurance products have superior Insurance Scholarship Planning. Jiwasraya product also has a scholarship and scholarships Catur Karsa Trikarsa.
Diverse selection of products, customer choice decide to live the most appropriate product for the education needs of children. Keep in mind, prepare for the future of children is part of the responsibility of parents. (suli.murwani @ bisnis.co.id)
Time to leave a conservative investment
Smart Shopping Mon, 31 Dec 2007 13:31:00 WIT
Conservative lifestyle in the only place to invest money in deposits, gold or property may be changed in 2008. Start thinking about an alternative investment in the stock so that the benefits higher. Investment stock in 2008 will attract. The stock analysts and economists predicted next year is still a excellent year for investment in shares.
The reason, the interest rate the BI rate at this time in the level of 8%, predicted will come down again to 7.5% level. In addition, the movement of the rupiah against the U.S. dollar also predicted stable.
With the interest rate reference BI Rate is likely to go down and a stable rupiah, when you place your money in deposits or money market, interest rates are certainly enjoyed small.
Trends in interest rates which encourage the weakening of the owner of the funds that are usually only save money in the bank to start to learn to be investors in shares. How to buy a stock deal to share important note before the stock as an alternative investment in the next year.
The first step to be able to buy shares is to become a stock investor. Indonesia Stock Exchange (Bei) http://www.BEI.co.id/ the website in several stages to become investors in shares.
First, investors must come to the company's securities. Make sure the company is securities registered in the official Board of Capital Market and Financial Institutions (Bapepam-LK).
Second, submit a photocopy of valid ID card. Third, fill out the form that has been provided by the company's securities.
Fourth, transfer of funds as deposits to the account of the beginning of the specified broker. Each determine the amount of deposits that is different. There is a required deposit is Rp25 million, Rp50 million and have a small amount again.
Fifth, after all the requirements met and the application is approved, you can deal directly in shares.
Not difficult is not it? If investors want to make stock, enough to call her broker or deal to use the Internet facilities provided by each broker.
aat order to sell or buy, investors say enough how much it costs and how many shares a lot ditransaksikannya future. Furthermore, the broker will continue the process of the transaction.
Transaction fee charged for the transaction to buy is usually around 0.25% -0.3%, while the transaction fee for selling 0.3% -0.4%.
With a stock investor, you become one of the owners in a limited company. As owners, investors, shareholders entitled to a dividend, in the present general meeting of shareholders (AGM) and can memperjualbelikan shares in the capital markets.
However, investors should be aware that investing is definitely in the risk. The risk of investing in the stock, such capital loss or losses due to stock prices in the secondary market price is lower than when purchased.
Other risks, if anything because the company experienced bankruptcy, so the company must dilikuidasi. In Laws of the Company Limited, shareholders are usually difficult to get the asset because the asset dilikuidasi priority to pay off debt.
Experience during the economic crisis can be a valuable lesson at that time because many investors banking stocks after the loss banknya dilikuidasi. Thus, the investor must also have tricks to minimize risk.
The steps undertaken by common stock investors to reduce risk is to put some investment in stock portfolios in the industry is different.
So, never put all your funds to buy only one type of stock only. Risk diversification is a way to fortify the loss of investment dashyat.
Risk diversification can be also a way to share part of the investment portfolio in stocks, some in gold and partly in property.
From the profits, shares Analyst PT Sinarmas Sekuritas Alfiansyah and Director of PT Trimegah Securities Tbk Desimon predicted some time ago that most stocks are still prospective in 2008.
Investment in property is also attractive because the interest rate is relatively low. Unfortunately, it usually sells the property takes a long time, so that investment in property is not considered liquid, or hard money to be disbursed.
Meanwhile, gold is still recommended for conservative investors that category. Gold diuangkan easy, but the trend does not increase the price sedahsyat shares.
In addition, valuable objects, such as gold need special storage area in order not to invite the hand of ignorant mencurinya. All investment options that have a plus side and minusnya.
However, from a variety of investment profiles that were presented above, you are expected to have the investment perspective a more complete product to decide the right investment in 2008. (Suli.murwani @ bisnis.co.id)
Suli H. Murwani
Bisnis Indonesia
Financial plan is easy
Smart Shopping Mon, 24 Dec 2007 12:38:00 WIT
When a certain amount of money that is needed at a great time in the future, a habit that is good and wise to the plan to collect the same amount in each period. The collection of funds such as this is becoming one of the main financial planning.
I deliberately use the word, and not save because of the placement of funds does not always have in savings. The funds collected can only be put in the bank, ORI, of money market mutual funds, fixed income mutual funds, stock mutual funds, mutual funds or a mix.
Collecting funds periodically in this practice, many companies also made for the purpose of the funds or the satisfaction of debt obligations at maturity, commonly called the fund or sinking fund acquittance. However, there are also companies that do it for other purposes such as for replacement of obsolete machinery, replacement of carpet and a hotel sofa, and more.
For individuals and families, raise money this principle would be applied for various purposes. Have to travel to the world, buy a car or apartment. Can also to fulfill other purposes such as the Hajj, send children abroad, continue to study post-graduate programs, and other. All goals on the reasonable and legitimate-legal only.
From zero
It is quite a lot of mass media articles published regarding the financial planning this. There are tables that use simulation to show the full amount of funds into the same large (Rp1 million, for example), which paid each period (usually every month) during a certain period (eg 10 years) if you get a certain return or yield. This is the problem of looking for future value (FV) if given the other variables PMT (periodic deposits), N (number of periods) and the rate or yield.
There is also a table that describes the making of funds / deposit or periodic PMT required to reach a certain amount (FV) if given the desired rate and N (number of periods).
One thing forgotten in almost all the table and writing it is that the collection of funds mengasumsikan always start from zero. This means that individuals and families who intend to gather this money has not been considered to have the funds when the program started.
Assumption is not realistic because in reality, most of which have financial goals above have a number of initial funding. But this is the assumption of zero is often used planner or financial adviser, insurance agent vendor education, and pension funds.
This is susahnya people who do not financially smart. Financial plan for your family or yourself can not afford, while the financial services consultant who does not require cost less. More difficult if financial advisers that were not fully control financial mathematics and investment products that are not able to so that all clients.
In other words, the basic capabilities necessary to afford the financial plan is only good financial mathematics plus a knowledge of all product investment / financial (kewajarannya, return, and risk) and self-discipline.
Back to start from the assumption of zero, whether hitungannya be different if we do not start from zero? Clearly very different. For example, you need a fund of Rp250 million for five more years post-graduate education program in Australia.
How much money should you collect each month will be very dependent on the funds that you have today, in addition to the return that you can get of course. If you currently have Rp50 million, money that you need to collect certain far different from if you do not have the balance early. You want to know how much difference?
Calculate with excel
If we assume that the return can be obtained is 12% net pa or 1% per month, you need to make a Rp3, 06 million each month if started from zero, but enough to set up Rp1, 95 million only if the start of each month beginning balance of Rp50 million.
How did you get the numbers is relatively easy with the help of a financial calculator or excel. General formula in excel for this purpose is' = pmt (rate, NPER, PV, FV, type) '. Simply type '= pmt (1%, 60,0250.000.000)' in an excel cell to get Rp3, and 06 million '= pmt (1%, 60, -50.000.000250.000.000)' to get Rp1, 95 million. With a financial calculator, we need to menginput N = 60, FV = Rp250 million, and 1 / Y = 1% for the first case and add PV =-Rp50 million for the two cases.
The figures above is to deposit the first assumption is starting next month or anuitas usual. The numbers will be slightly different if the deposit is the first day this started or called anuitas in advance.
We only need to code special menginput for type 1 and excel in setting anuitas in advance for the financial calculator. In seconds, we will get slightly different results.
Variations at this time is that you do not have any money, but next year you will have a Rp100 million from selling the house. Currently the house, say, are DIKONTRAKKAN to others. The amount of money needed each month changed again, of course.
By understanding the financial mathematics and financial aid calculator or excel, financial plan with all its variations, including preparing the skedulnya be so easy. All finished in seconds. You can do it for yourself, family, friends, relatives, or your company.
Budi Frensidy
Staff FEUI book author and Financial Mathematics
Previously, building a house usually takes up to an annual. In addition to factors bujet, building material at that time that there is also a major factor. Now, the house can be completely practical and does not take long. This change is found on the type of building material to make a roof to the floor, as a solution to build a house with a better way.
Want to know how to practically build a house? This he tipsnya:
The main is to use materials that offer practicality itself. Several types of material such as this are valuable relatively expensive. But considering the minimal cost of maintenance and are able to survive a long time, this material should still try. Remember, the more expensive investment can be profitable in the future, lho.
And this is the materials praktsi that you can try:
Lightweight steel roof
This material can be used as a substitute for the limited timber of stock. Mild steel is relatively faster in the installation process and is calculated with the precision of the special program manufacturer.
PVC or aluminum panel
Use this material for partitions, wall cover, frame and roof cover, and Kusen doors and windows. In addition to practical, the installation process of this type of material is also protected from the risk of termites and more fire resistant and soundproof.
Cement board
Yes, this material is also good lho, used to cover roof house, the partition and close the floor. This board uses fiberglass fibers that are now available in many variants. Benefits? That is soundproof, can help keep blazing sun and avoid the risk of fungi, termites and damp because of the water. Oya, as flooring, this material is not practical because it requires a cast concrete again. Simply order on the wood or metal only.
Gypsum board
This material is flexible to be formed and applied according to the needs and desires. Jangank hawatir, gypsum board is provided in a variety of design and ornament particular. Home you can still look beautiful and even though aesthetic use.
Therefore, if one does not have parents to prepare children's education costs. Preparation costs that can be done by selecting a product education savings or insurance education. Both products can be an alternative to prepare for the future of the child.
Marketing Director of Fortis Investments Vivian Secakusuma funds that choose to prepare their child's education since the age one year. He put the money in education is part of the mutual fund and some savings in education.
For employees in the company's asset manager, Vivian prefer if the portion of education funding is placed more on mutual funds. Pertimbangannya, education funding needs are still long, so that when placed in mutual funds can get a higher return.
Why do not choose the education savings accounts? If choosing education savings, said Vivian, this time have many products to education savings accounts to provide insurance at a time.
Only difference, is that savings, the funds can be taken at any time, while waiting for insurance must fall temponya.
"So the choice depends on the needs. If you can not be disciplined with money, savings or insurance may be a choice," he said.
Separate part of the revenue to fund education, for Vivian, is important. The reason, if only on savings deposits is not enough to pay for the education of children.
Insurance education may be a difficult match for the disciplined with money. Mother of Lies, manager of leading retail companies choose to set up this fund children's education in the insurance products.
"If we do not buy insurance, fearing the money out for things less important," he said.
Education savings
Awareness of parents in planning the future of children is to provide opportunities for the banking and insurance industry to launch products that attract funding education.
Based on the search business, Bank Danamon, for example, removing the product Danamon Savings Education. Savings is a savings measure with the guaranty life insurance of up to 200 times the monthly deposit.
Customers of this product when death or permanent disability as a result of accident or illness will get insurance is insurance. 100% deposit of your savings per month, only 10% of a deposit premium. The rest of 90% deposit into a savings account that will be blooming every day.
Type of savings is also a target fund size of the offer of education desired by the customer. For example, the funding target of Rp660 million to pay for the education strata one (S1) with 16 year guarantee period and the inflation rate assumption of 10%.
How much of the funds that must be paid to achieve the target Rp660 million education fund, if your income is Rp15 million per month. First, the allocation of funds deposit 20% of income per month with the following composition (see table);
Meanwhile, Bank of Commerce Commerce Education Savings Accounts offer. This type of savings deposit offer from Rp100.000 per month, interest rates are greater than ordinary savings accounts and interest rate options provide fixed or float.
Savings are also promising Life Insurance premiums with automatic free monthly deposits will continue to mature in Commerce Education, if the depositor dies or permanent disability.
If you want the scope of insurance is better, Commerce Education Savings Insurance also offers a Plus (optional), simply add the cost of premium light only 7.5% of the monthly deposit insurance for optimal protection.
Other bids Commerce Insurance is the protection of Education if the client dies. While the insurance company that has long been popular in Indonesia, the Bumiputera 1912 Insurance products have superior Insurance Scholarship Planning. Jiwasraya product also has a scholarship and scholarships Catur Karsa Trikarsa.
Diverse selection of products, customer choice decide to live the most appropriate product for the education needs of children. Keep in mind, prepare for the future of children is part of the responsibility of parents. (suli.murwani @ bisnis.co.id)
Time to leave a conservative investment
Smart Shopping Mon, 31 Dec 2007 13:31:00 WIT
Conservative lifestyle in the only place to invest money in deposits, gold or property may be changed in 2008. Start thinking about an alternative investment in the stock so that the benefits higher. Investment stock in 2008 will attract. The stock analysts and economists predicted next year is still a excellent year for investment in shares.
The reason, the interest rate the BI rate at this time in the level of 8%, predicted will come down again to 7.5% level. In addition, the movement of the rupiah against the U.S. dollar also predicted stable.
With the interest rate reference BI Rate is likely to go down and a stable rupiah, when you place your money in deposits or money market, interest rates are certainly enjoyed small.
Trends in interest rates which encourage the weakening of the owner of the funds that are usually only save money in the bank to start to learn to be investors in shares. How to buy a stock deal to share important note before the stock as an alternative investment in the next year.
The first step to be able to buy shares is to become a stock investor. Indonesia Stock Exchange (Bei) http://www.BEI.co.id/ the website in several stages to become investors in shares.
First, investors must come to the company's securities. Make sure the company is securities registered in the official Board of Capital Market and Financial Institutions (Bapepam-LK).
Second, submit a photocopy of valid ID card. Third, fill out the form that has been provided by the company's securities.
Fourth, transfer of funds as deposits to the account of the beginning of the specified broker. Each determine the amount of deposits that is different. There is a required deposit is Rp25 million, Rp50 million and have a small amount again.
Fifth, after all the requirements met and the application is approved, you can deal directly in shares.
Not difficult is not it? If investors want to make stock, enough to call her broker or deal to use the Internet facilities provided by each broker.
aat order to sell or buy, investors say enough how much it costs and how many shares a lot ditransaksikannya future. Furthermore, the broker will continue the process of the transaction.
Transaction fee charged for the transaction to buy is usually around 0.25% -0.3%, while the transaction fee for selling 0.3% -0.4%.
With a stock investor, you become one of the owners in a limited company. As owners, investors, shareholders entitled to a dividend, in the present general meeting of shareholders (AGM) and can memperjualbelikan shares in the capital markets.
However, investors should be aware that investing is definitely in the risk. The risk of investing in the stock, such capital loss or losses due to stock prices in the secondary market price is lower than when purchased.
Other risks, if anything because the company experienced bankruptcy, so the company must dilikuidasi. In Laws of the Company Limited, shareholders are usually difficult to get the asset because the asset dilikuidasi priority to pay off debt.
Experience during the economic crisis can be a valuable lesson at that time because many investors banking stocks after the loss banknya dilikuidasi. Thus, the investor must also have tricks to minimize risk.
The steps undertaken by common stock investors to reduce risk is to put some investment in stock portfolios in the industry is different.
So, never put all your funds to buy only one type of stock only. Risk diversification is a way to fortify the loss of investment dashyat.
Risk diversification can be also a way to share part of the investment portfolio in stocks, some in gold and partly in property.
From the profits, shares Analyst PT Sinarmas Sekuritas Alfiansyah and Director of PT Trimegah Securities Tbk Desimon predicted some time ago that most stocks are still prospective in 2008.
Investment in property is also attractive because the interest rate is relatively low. Unfortunately, it usually sells the property takes a long time, so that investment in property is not considered liquid, or hard money to be disbursed.
Meanwhile, gold is still recommended for conservative investors that category. Gold diuangkan easy, but the trend does not increase the price sedahsyat shares.
In addition, valuable objects, such as gold need special storage area in order not to invite the hand of ignorant mencurinya. All investment options that have a plus side and minusnya.
However, from a variety of investment profiles that were presented above, you are expected to have the investment perspective a more complete product to decide the right investment in 2008. (Suli.murwani @ bisnis.co.id)
Suli H. Murwani
Bisnis Indonesia
Financial plan is easy
Smart Shopping Mon, 24 Dec 2007 12:38:00 WIT
When a certain amount of money that is needed at a great time in the future, a habit that is good and wise to the plan to collect the same amount in each period. The collection of funds such as this is becoming one of the main financial planning.
I deliberately use the word, and not save because of the placement of funds does not always have in savings. The funds collected can only be put in the bank, ORI, of money market mutual funds, fixed income mutual funds, stock mutual funds, mutual funds or a mix.
Collecting funds periodically in this practice, many companies also made for the purpose of the funds or the satisfaction of debt obligations at maturity, commonly called the fund or sinking fund acquittance. However, there are also companies that do it for other purposes such as for replacement of obsolete machinery, replacement of carpet and a hotel sofa, and more.
For individuals and families, raise money this principle would be applied for various purposes. Have to travel to the world, buy a car or apartment. Can also to fulfill other purposes such as the Hajj, send children abroad, continue to study post-graduate programs, and other. All goals on the reasonable and legitimate-legal only.
From zero
It is quite a lot of mass media articles published regarding the financial planning this. There are tables that use simulation to show the full amount of funds into the same large (Rp1 million, for example), which paid each period (usually every month) during a certain period (eg 10 years) if you get a certain return or yield. This is the problem of looking for future value (FV) if given the other variables PMT (periodic deposits), N (number of periods) and the rate or yield.
There is also a table that describes the making of funds / deposit or periodic PMT required to reach a certain amount (FV) if given the desired rate and N (number of periods).
One thing forgotten in almost all the table and writing it is that the collection of funds mengasumsikan always start from zero. This means that individuals and families who intend to gather this money has not been considered to have the funds when the program started.
Assumption is not realistic because in reality, most of which have financial goals above have a number of initial funding. But this is the assumption of zero is often used planner or financial adviser, insurance agent vendor education, and pension funds.
This is susahnya people who do not financially smart. Financial plan for your family or yourself can not afford, while the financial services consultant who does not require cost less. More difficult if financial advisers that were not fully control financial mathematics and investment products that are not able to so that all clients.
In other words, the basic capabilities necessary to afford the financial plan is only good financial mathematics plus a knowledge of all product investment / financial (kewajarannya, return, and risk) and self-discipline.
Back to start from the assumption of zero, whether hitungannya be different if we do not start from zero? Clearly very different. For example, you need a fund of Rp250 million for five more years post-graduate education program in Australia.
How much money should you collect each month will be very dependent on the funds that you have today, in addition to the return that you can get of course. If you currently have Rp50 million, money that you need to collect certain far different from if you do not have the balance early. You want to know how much difference?
Calculate with excel
If we assume that the return can be obtained is 12% net pa or 1% per month, you need to make a Rp3, 06 million each month if started from zero, but enough to set up Rp1, 95 million only if the start of each month beginning balance of Rp50 million.
How did you get the numbers is relatively easy with the help of a financial calculator or excel. General formula in excel for this purpose is' = pmt (rate, NPER, PV, FV, type) '. Simply type '= pmt (1%, 60,0250.000.000)' in an excel cell to get Rp3, and 06 million '= pmt (1%, 60, -50.000.000250.000.000)' to get Rp1, 95 million. With a financial calculator, we need to menginput N = 60, FV = Rp250 million, and 1 / Y = 1% for the first case and add PV =-Rp50 million for the two cases.
The figures above is to deposit the first assumption is starting next month or anuitas usual. The numbers will be slightly different if the deposit is the first day this started or called anuitas in advance.
We only need to code special menginput for type 1 and excel in setting anuitas in advance for the financial calculator. In seconds, we will get slightly different results.
Variations at this time is that you do not have any money, but next year you will have a Rp100 million from selling the house. Currently the house, say, are DIKONTRAKKAN to others. The amount of money needed each month changed again, of course.
By understanding the financial mathematics and financial aid calculator or excel, financial plan with all its variations, including preparing the skedulnya be so easy. All finished in seconds. You can do it for yourself, family, friends, relatives, or your company.
Budi Frensidy
Staff FEUI book author and Financial Mathematics
Previously, building a house usually takes up to an annual. In addition to factors bujet, building material at that time that there is also a major factor. Now, the house can be completely practical and does not take long. This change is found on the type of building material to make a roof to the floor, as a solution to build a house with a better way.
Want to know how to practically build a house? This he tipsnya:
The main is to use materials that offer practicality itself. Several types of material such as this are valuable relatively expensive. But considering the minimal cost of maintenance and are able to survive a long time, this material should still try. Remember, the more expensive investment can be profitable in the future, lho.
And this is the materials praktsi that you can try:
Lightweight steel roof
This material can be used as a substitute for the limited timber of stock. Mild steel is relatively faster in the installation process and is calculated with the precision of the special program manufacturer.
PVC or aluminum panel
Use this material for partitions, wall cover, frame and roof cover, and Kusen doors and windows. In addition to practical, the installation process of this type of material is also protected from the risk of termites and more fire resistant and soundproof.
Cement board
Yes, this material is also good lho, used to cover roof house, the partition and close the floor. This board uses fiberglass fibers that are now available in many variants. Benefits? That is soundproof, can help keep blazing sun and avoid the risk of fungi, termites and damp because of the water. Oya, as flooring, this material is not practical because it requires a cast concrete again. Simply order on the wood or metal only.
Gypsum board
This material is flexible to be formed and applied according to the needs and desires. Jangank hawatir, gypsum board is provided in a variety of design and ornament particular. Home you can still look beautiful and even though aesthetic use.
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