Financial Planning Determination of Retirement Fund For Indonesia People: The Significan of Expenses Ratio  

Oleh:

Liman, Nathan ; Hananto, Ligwina Poerwo

Jenis: Article from Journal - ilmiah nasional - tidak terakreditasi DIKTI - non-atma jaya
Dalam koleksi: Journal of Applied Finance and Accounting vol. 1 no. 2 (Jun. 2009), page 247-267.
Topik: Indonesian people; Total individual retirement fund; sensitivity analysis; Expenses ratio; Inflation rate; Net interest rate; Productive year; Retirement years; Spreadsheet

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: AA76.1 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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Many Indonesian people do not have individual retirement fund. They think that their expenses in retirement years can be paid by their children. Although it is a good opportunity for younger people to look after their parents, it can be a burdensome to some of the people who do not have stable income for themselves. It is unfortunate that not all Indonesia people are aware of the individual retirement fund. Furthermore, even if they knew about individual retirement fund, they would not give the contribution to make individual retirement fund. Moreover, there is limitation on information on the website and local book to guide Indonesian people to have and calculate his/her individual retirement fund. The purpose of this research is to help Indonesian people to aware about total induvidual retirementfund by calculating their individual retirement fund. In order to caculate individual retirement fund, they must know the expenses ratio, inflation rate, net interest rate, productive year, and retirement year. These five variables will help them to give the formula to calculate the individual retirement fund. Deu to limitation of time and data, this thesis will only give more emphasis in expenses ratio, because it has significant level of determining total individual retirement fund that will differ from one to another person. The result of this thesis explains the relationship between each variable toward the individual retirement fund by doing sensitivity analysis. Furthermore, this thesis guides Indonesia people step-by-step to calculate individual retirement fud by using spreadsheet, such as Microsoft Excel.

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