If you and your husband is currently thought to finance the education of the child or pension fund plan how you prefer? Save or invest?

Take, for example in the form of tuition fees for a child in a period of 18 years. Because college costs continue to rise due to inflation, you need to save aside Rp Rp 3.5 to 6,000,000 per month. This fee must be on your income and her husband, outside, or other expenses are excluded. Try to calculations, if you and your husband have this ability?

“. Is not money saving enough by inflation solution is an investment in long-term risk over 10 years,” said financial planner Ligwina Hananto, when the talk show “mutual fund investment: Find out first buy” cash tabloid place some time ago.

Ligwina said can be saved to meet short-term, four years. For example, for the preparation of the kindergarten. But when it comes to higher education, more resources are necessary to reflect inflation every year.

“The inflation of the cost of education for children high could reach 20 percent per year. College inflation rate rose from an average of 15 percent per year. Even if there are schools that the rate of inflation low, but remained higher tuition fees,” said Ligwina.

Inflation has become the focus of why investment in kelaurga financial solutions. This also applies to the preparation of the pension fund. 135 million per month – because if you should rely on savings for retirement will be $ 75 million 25-35 years. This amount is too important to the economy, right? It was not the wages of regular employees in that direction.

“If the age of 25 years invested 587 000 USD per month, you easily prepare for retirement. For children 35 years old, you can invest Rp 2 million per month. You get the same power to target investment of 25 percent per year “said Ligwina, explain how the investment to provide financial solutions easier and more cost savings for pension funds.

The investment is risky but firm Ligwina, the risk of investing is not greater than the investment itself, the danger, he says, can not be avoided, but 100 percent can be arranged. Because of the long-term risks, “he added.

Measurable initial investment objectives, risks and investment results. Therefore the goal you want to invest is important. Set a goal now, a thorough financial planning and choose the right investments, if you are not worth the money in the future.