Having
a bank account has now become a primary requirement in line with the
increasing need for many transactions that utilize banking services .Once upon a time , people may only recognize national savings Tabanas alias . Now
, there is an education savings , savings pilgrimage , saving car
prizes ranging up expensive gadgets , also equipped with a savings or
life insurance protection , and so forth .Special to the savings that comes with life insurance , you may have a lot to see at various banks . In
Bank Mandiri , for example , there Savings Plan Mandiri , CIMB Niaga
and in no Savings Steady , then there are also savings in Taka OCBC NISP
, and so forth .Most of the savings and insurance bundle that protects the continued payment of deposit savings when the client's death . As
a result , the heirs still get savings on target at the beginning of
the contract , without giving compensation insurance money .Slightly
different schemes offered insurance savings products output BNI in
cooperation with Sunlife Financial , named Smart Plan . Sunlife Financial customer service department revealed , this product actually has long offered . However , beginning in 2013 , the target savings increased from Rp 25 million to Rp 50 million .Savings target of Rp 50 million it has a 17 -year contract period . To reach that value , the customer must deposit Rp 334,000 per month for 10 years . Thus , total customer deposits during the contract is USD 40.8 million . " Deposit using auto-debit system with BNI bank account , " said customer service Sunlife .Such as savings deposits , customers can not pick it up at any time . Savings can only be withdrawn gradually starting in the fifth with a specified value . The
first withdrawal in the fifth year of Rp 5 million , then in the 11th
year of Rp 7.5 million , year- to - 14 valued at USD 12.5 million , and
the 17th year of Rp 25 million . This product has a life insurance coverage for the customer during the contract period .Thus
, if in the middle of the contract period the client's death , the
heirs are entitled to savings of Rp 50 million and Rp 50 million
insurance money . However , if during the contract period no life risk , customers are entitled to only Rp 50 million savings .The question is , how attractive place funds in a savings product with features such insurance ? Diana
Sandjaja , MRE Consulting a financial planner , judge , products made
by Sunlife and Bank BNI it might be interesting for those who are
still unfamiliar with investment products . " Moreover , the money set aside less than acceptable return later , " she said .However , do not rush crashed into a product before looking in more detail . It's good to pay attention to advice from financial planners first , the following :See the needBuy a financial product or investment is no different from buying a regular item . You should know exactly what kind of product you need . To find the right products , you first need to define financial goals and prepare a plan . By
knowing the financial goals , you can more accurately determine what
instruments or products that can help you achieve that goal .Suppose you need life insurance with sum assured value of Rp 1 billion . Being
one of the address if you actually buy life insurance with sum assured
of Rp 50 million just as tempted as attractive packaging products .Learn productsBefore you decide to buy something , make sure you know what you are buying . Savings bank liquidity or superior in terms of ease of disbursement despite little interest . Thus , with the time saving product withdrawal clearly less attractive selected . Rakhmi
Permatasari , financial planners Safir Senduk and Partners , added ,
the savings are also not exactly chosen if you are aiming to develop
funds . Choose investment products , like mutual funds , bonds , or stocks .For
example , by setting aside Rp 334,000 per month in mutual fund shares
yielding an average of 20 percent per year for 10 years , you are likely
to receive funds of Rp 127.7 million ! That, too, without any limitations when you want to melt it .The risk of stock mutual funds is greater than the savings . However
, with proper risk diversification strategy , develop funds in
investment products is the best move if you want to get the appropriate
financial goals .Do not be lazyEvery financial product and investment has advantages and disadvantages . Not to be confused faces nan bejibun product offer . Condition , you should not be lazy to take the time to study and research the products available in the market one by one .Take advantage of the abundant information in the media to increase your financial knowledge . To
find out the needs of life insurance or investment fund , you can use
the application on page tally institution financial planner or insurance
company . Www.kontan.co.id website also provides a similar calculation .By
performing such calculations , you could be able to look at the
feasibility of a product to be selected , and its comparison with
similar products in the market .Long story short , choosing financial products or investments do require a special effort . However
, for the convenience of your family financially , there is no longer
any reason to continue to lazy to learn , is not it? .
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