SMART Management Education Funds
From year to year, the cost of increasingly expensive education. That is why we need menusun child education thorough planning for the future of children is assured. Educational planning, especially in terms of preparing the budget, would not be considered a trivial matter.
Some factors that must be considered in preparing the education fund for children include:
1. Period.
When will the funds will be used. Is it used just 5 years? 10 years longer? Or is it only 2 years? The longer the time period that you have, the more light will usually be your burden.
A simple example, if children go to school about 10 years. He needs money to go to school around let's say USD 50 million in that year. Well, if you save from now, then the amount you tube usually does not amount to much. Another case if you start saving in year-6, or in year 8. There must be much greater.
So Prepare from now, and if you already have most of their funds are now separated only education funds in a separate post. Remember, preparing funds for school entry differs by preparing funds to buy a car. If you buy a car, money is not enough, you can postpone the plan. But if for school children, cook you have to rewind time in school? Not correct ..?
2. Investment
Most people choose the product or Savings Education Insurance Education. Education insurance issued by insurance companies, while savings of Education issued by the Bank.
Alternative investment products other than gold, stocks, or mutual funds.
In principle, all investment products that have the possibility to be able to give flowers or increased value of his unit, so that could be used as an alternative investment to prepare the children's education fund. Of course, every investment product has advantages and disadvantages of its own, and different risks.
3. Protection
The third thing to consider is whether you have the protection of investment products. That is, if something happens to you (such as death, accident, sickness and the like), then the investment products you can continue to provide results and profitable for you. Well this is where the role of insurance. If you select the Insurance Education, the protection already exists in it, shingga Insurance Education called All in One Account.
Protection here is that if something happens to you, then there will be a third party who will remain 'menabung' big bucks USD 350 thousand, 500 thousand, or 1 million per month was created Putra / i loved, so that automatic SECURITY EQUIPMENT funds for children's education available.
And more important thing is do not just aside the funds without any previous calculations, but also must look at the amount of funds needed in the future.
A simple example like this. Think of it this time our son was 5 years old. If we assume the money into high school today is USD. 5 million, and the average age of children entering high school is at the age of 15 years, pertannyaannya is, whether the later will pay the same amount when our children go to high school, some 10 years later? Of course not right? To be sure, the Education Cost certainly will be more expensive.
How do we estimate the total cost of education if education expenses Child will always go up from year to year? We may use certain assumptions and we can make it as a benchmark to prepare for our Children Education fund in the future.
For example every year the cost of education will increase by 10% every year. Thus, if such money to enter high school at the moment is Rp. 5 million, then the next year can be estimated that the money will be Rp. 5.5 million which is the result of multiplication of Rp. 5 million x 1.1.
What about the second year, third year and subsequent years? How to calculate as above can be repeated like this, USD 5 million x 1.1 x 1.1 to the second year and USD 5 million x 1.1 x 1.1 x 1.1 to the third year. How to 10 years later? Just multiply the USD. 5 million with a (1,1) rank 10.
So, if you want to prepare Children Education Fund, in addition to 3 above factors also must take into account how many children the necessary education costs later. Thus it's easier to set the right strategy for us to be ready when the time comes.
Ideals Children may towering, which is important you as parents need to know tips and steps to be able to help realize the ideals of children, especially from the financial side.
Some factors that must be considered in preparing the education fund for children include:
1. Period.
When will the funds will be used. Is it used just 5 years? 10 years longer? Or is it only 2 years? The longer the time period that you have, the more light will usually be your burden.
A simple example, if children go to school about 10 years. He needs money to go to school around let's say USD 50 million in that year. Well, if you save from now, then the amount you tube usually does not amount to much. Another case if you start saving in year-6, or in year 8. There must be much greater.
So Prepare from now, and if you already have most of their funds are now separated only education funds in a separate post. Remember, preparing funds for school entry differs by preparing funds to buy a car. If you buy a car, money is not enough, you can postpone the plan. But if for school children, cook you have to rewind time in school? Not correct ..?
2. Investment
Most people choose the product or Savings Education Insurance Education. Education insurance issued by insurance companies, while savings of Education issued by the Bank.
Alternative investment products other than gold, stocks, or mutual funds.
In principle, all investment products that have the possibility to be able to give flowers or increased value of his unit, so that could be used as an alternative investment to prepare the children's education fund. Of course, every investment product has advantages and disadvantages of its own, and different risks.
3. Protection
The third thing to consider is whether you have the protection of investment products. That is, if something happens to you (such as death, accident, sickness and the like), then the investment products you can continue to provide results and profitable for you. Well this is where the role of insurance. If you select the Insurance Education, the protection already exists in it, shingga Insurance Education called All in One Account.
Protection here is that if something happens to you, then there will be a third party who will remain 'menabung' big bucks USD 350 thousand, 500 thousand, or 1 million per month was created Putra / i loved, so that automatic SECURITY EQUIPMENT funds for children's education available.
And more important thing is do not just aside the funds without any previous calculations, but also must look at the amount of funds needed in the future.
A simple example like this. Think of it this time our son was 5 years old. If we assume the money into high school today is USD. 5 million, and the average age of children entering high school is at the age of 15 years, pertannyaannya is, whether the later will pay the same amount when our children go to high school, some 10 years later? Of course not right? To be sure, the Education Cost certainly will be more expensive.
How do we estimate the total cost of education if education expenses Child will always go up from year to year? We may use certain assumptions and we can make it as a benchmark to prepare for our Children Education fund in the future.
For example every year the cost of education will increase by 10% every year. Thus, if such money to enter high school at the moment is Rp. 5 million, then the next year can be estimated that the money will be Rp. 5.5 million which is the result of multiplication of Rp. 5 million x 1.1.
What about the second year, third year and subsequent years? How to calculate as above can be repeated like this, USD 5 million x 1.1 x 1.1 to the second year and USD 5 million x 1.1 x 1.1 x 1.1 to the third year. How to 10 years later? Just multiply the USD. 5 million with a (1,1) rank 10.
So, if you want to prepare Children Education Fund, in addition to 3 above factors also must take into account how many children the necessary education costs later. Thus it's easier to set the right strategy for us to be ready when the time comes.
Ideals Children may towering, which is important you as parents need to know tips and steps to be able to help realize the ideals of children, especially from the financial side.
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