Education in Indonesia is still an expensive investment, for it
Good financial planning is necessary, if you want to plan
education is good for the baby should be planning funding
early education. Education funds could begin to think about and be prepared
since the child was born to set aside part of our regular income each
month or at a specific time on a regular basis.
Every turn of the parents of the school year, have been facing the
issue of education costs. Especially when there are children who will enter
higher education, then they should be prepared grope
deeper pockets. Many parents or even children who
suffer stress when they have to get a new school for
education to a higher level.
Children kindergarten must attend primary and secondary school
The first level, high school, then to college
tinggi.Selain must provide a certain amount of money as tuition
(Even often must be coupled with voluntary donations),
also had to move some families money to buy books
lessons and new school uniforms.
As parents, we certainly agree that education has a role
the future of their children. So as to obtain
best education possible, then sending their children up to the next level
The highest education is one way that the child is able
financially independent future. However, the high cost of education today
coupled with the rising cost of education from year to year often
make the parents are not able to provide the education fund
in times of need.
Moreover, if the question is the quality of education. Favorite public school
now even school fees are not much different from a private school.
Moreover, with the intention that their children get the best education
internationally minded, some parents are also willing to
send their children abroad. For those of you who have attended
abroad will remember how much the cost of living while studying there about the same
magnitude of the cost of education itself. The experience shows
that when you send children out of the country soon, the amount to be
You will spend a lot bigger.
Then, true education is still a luxury item? Called
luxury because for most people, education is still seized
enormous costs to be difficult to fulfill. Mainly by the
lower middle with limited finances.
When paired with the primary needs and the cost of living is increasing
expensive, of course, the need for long-term education
and not so urgent became increasingly sidelined.
Load parents to prepare for such a huge fund for
pay school tuition is pretty big to
paid at once. Due to anticipated high cost
education later then one way is to prepare
education funds far in advance.
To prepare funding education costs, many of which can be
do the parents. Broadly speaking, alternative funding sources
financial planning face a new school year there are five, namely:
1.Menabung through banking services.
Education savings, which is a combined form of deposits,
insurance, and savings. The difference begins with a cash deposit
a large base, while education savings to pay the deposit
to get a "base money" is greater. And different
with regular savings, because it can not be taken before the fall
tempo (like insurance and deposit). Interestingly, although the shape
education savings, but there are also secured by the
insurance coverage.
So when the deposit is supposed to do all the time
agreement is not reached, will be borne by the guarantor, deposit
will continue monthly until maturity when parents depositor
had an accident and could not continue the payments.
2.Membeli insurance products that contain elements of savings.
Insurance education, forms of guarantees against losses, gains
using this funding source if the planned time
right or there is a risk that appears in the "journey". Usually
model used for families who have a high risk, call
Any parent with a higher-level job kecelakaanya.
3.Mempersiapkan themselves by investing.
In addition to savings and insurance education then you can also
prepare yourself by investing in a
other investment products such as mutual funds. You can do
regular deposit investment per month, or at the desired time.
4. By taking a short-term loan.
Though not very commonly used for education funding,
but some people still use them, such as
unsecured loan products issued by banks. Card
credit. Financial resources it is possible, although
mungin payment will be a new problem. Besides flowers
high when mature, also the level of risk is big enough.
Pawn your valuable possessions such as gold jewelry to
pawnshops, also one of the sources of financing for
various urgent needs, such as paying
Basic school children. In urgent circumstances, which are not available
sufficient funds to pay for education of children with
immediately, then take out a loan to another party can be one
an alternative,
5. By selling assets.
If you have savings in the form of paper (paper assets)
such as mutual funds, stocks or other assets in the form of the form
like gold, land. Vehicle or other valuables can be
considered to sell it if it is not available cash funds
enough to pay for children's education.
The principle of the 5 alternatives prepare education funding, all
runs only live weigh the benefits and
disadvantages. By preparing pendiikan funds in advance or
either through early, education savings, insurance and education
prepare yourself, allow parents to design
education of their children.
Not just from the pattern and the desired educational system, but also
quality of education are closely associated with the cost of education itself.
Parents can determine early on as a long-term education
what they want for their children. Once had a prediction
required and the amount of cost and design to meet the
count umpteen time.
Conversely, if the preparation of education funding is not done in advance
previously, aka impromptu, perhaps each time you want to pay child
school tuition, again you have a frenzy. If it
so, maybe alternate number 4 and 5 you can consider as
solution.
In the end as long as the government has not been able to demonstrate its commitment
to guarantee free education for the people, then the decision to
invest in children's education fund the preparation and participation of parents
in designing education for their children is enormous. Whatever
investment products are used, preferably educational investment products
must be designed in such a way as to give priority to
interests of the child and able to provide proper benefits when
needed.
4 Easy Steps Preparing Education Fund
Preparing education funding nor the origin of saving, lest
even if you are tired of saving the funds collected are not quite as well.
To make it easier to prepare your children's education fund,
The following are the steps - steps that can be executed:
1.Menentukan needed funds target lower secondary People
parents only know the high cost of education today, but forgot
estimate how much the cost of future education. So that
although it was already saved but the funds were not
sufficient time will be used. Target education funds needed
is equal to the estimated future cost of education, and to
estimate, do the following 2 things:
Find information on how much it costs today for each - each level
education that will pass your child (kindergarten, elementary, junior high, high school,
University, S2) Suppose the cost of money entering kindergarten today is USD 5 jt
and your child will be entering kindergarten four years.
Calculate how much it costs the future of education, assuming Multiply
rising cost of education per year until your child is in school.
Suppose the cost of money entering kindergarten today is USD 5 jt and your child
will enter kindergarten 4 years while assuming an average cost increase
education per year is 10%, then 4 years later it costs money
kindergarten base had been increased to Rp 7,350,000, -
2.Menetapkan way education funding target. There are 2 ways
which can be selected to achieve the target of education funds, namely:
a. Conduct regular monthly payments into an investment product,
for example: - Saving regularly into regular savings, savings
education or a deposit in a bank, invest monthly to
fund products, or take out insurance education.
b. Saving or investing once in the face with
cash held today.
3.Melindungi investment of risk. The loss of the ability of the elderly
to earn an income due to death, injury or illness
severe, can cause deposits to fund education routine stops.
In anticipation of the risk - this risk, it would be prudent
When you take out insurance if you are taking out insurance
education or education savings that also benefit
then the auto insurance fund your children's education is protected.
This means that if one of the above mentioned risks occur then the
insurance will continue preparatory education fund for children
You.
But if you save yourself then you should take
life insurance, accident insurance and critical illness insurance, with
large amount of insurance money if the sum assured
are put into a savings or investment product
the results of interest can be obtained to pay for regular deposit funds
your child's education.
4.Melakukan evaluation and revision to ensure that the target funds
education should be achieved then chill the financial plan
the run is evaluated at least once a year. This is done
because the assumption of interest rate savings, deposits, insurance and
other investment products could have changed Similarly, the assumption
rising cost of education per year, so the possibility of
discrepancies between the assumptions used to reality
could actually happen. As a result you may be able to achieve the target
education funding chill but can not. With
Routine evaluation it will be known whether the plan
finances are met tergetnya or not, so if you have not
can be done revision or improvement plans.
Good financial planning is necessary, if you want to plan
education is good for the baby should be planning funding
early education. Education funds could begin to think about and be prepared
since the child was born to set aside part of our regular income each
month or at a specific time on a regular basis.
Every turn of the parents of the school year, have been facing the
issue of education costs. Especially when there are children who will enter
higher education, then they should be prepared grope
deeper pockets. Many parents or even children who
suffer stress when they have to get a new school for
education to a higher level.
Children kindergarten must attend primary and secondary school
The first level, high school, then to college
tinggi.Selain must provide a certain amount of money as tuition
(Even often must be coupled with voluntary donations),
also had to move some families money to buy books
lessons and new school uniforms.
As parents, we certainly agree that education has a role
the future of their children. So as to obtain
best education possible, then sending their children up to the next level
The highest education is one way that the child is able
financially independent future. However, the high cost of education today
coupled with the rising cost of education from year to year often
make the parents are not able to provide the education fund
in times of need.
Moreover, if the question is the quality of education. Favorite public school
now even school fees are not much different from a private school.
Moreover, with the intention that their children get the best education
internationally minded, some parents are also willing to
send their children abroad. For those of you who have attended
abroad will remember how much the cost of living while studying there about the same
magnitude of the cost of education itself. The experience shows
that when you send children out of the country soon, the amount to be
You will spend a lot bigger.
Then, true education is still a luxury item? Called
luxury because for most people, education is still seized
enormous costs to be difficult to fulfill. Mainly by the
lower middle with limited finances.
When paired with the primary needs and the cost of living is increasing
expensive, of course, the need for long-term education
and not so urgent became increasingly sidelined.
Load parents to prepare for such a huge fund for
pay school tuition is pretty big to
paid at once. Due to anticipated high cost
education later then one way is to prepare
education funds far in advance.
To prepare funding education costs, many of which can be
do the parents. Broadly speaking, alternative funding sources
financial planning face a new school year there are five, namely:
1.Menabung through banking services.
Education savings, which is a combined form of deposits,
insurance, and savings. The difference begins with a cash deposit
a large base, while education savings to pay the deposit
to get a "base money" is greater. And different
with regular savings, because it can not be taken before the fall
tempo (like insurance and deposit). Interestingly, although the shape
education savings, but there are also secured by the
insurance coverage.
So when the deposit is supposed to do all the time
agreement is not reached, will be borne by the guarantor, deposit
will continue monthly until maturity when parents depositor
had an accident and could not continue the payments.
2.Membeli insurance products that contain elements of savings.
Insurance education, forms of guarantees against losses, gains
using this funding source if the planned time
right or there is a risk that appears in the "journey". Usually
model used for families who have a high risk, call
Any parent with a higher-level job kecelakaanya.
3.Mempersiapkan themselves by investing.
In addition to savings and insurance education then you can also
prepare yourself by investing in a
other investment products such as mutual funds. You can do
regular deposit investment per month, or at the desired time.
4. By taking a short-term loan.
Though not very commonly used for education funding,
but some people still use them, such as
unsecured loan products issued by banks. Card
credit. Financial resources it is possible, although
mungin payment will be a new problem. Besides flowers
high when mature, also the level of risk is big enough.
Pawn your valuable possessions such as gold jewelry to
pawnshops, also one of the sources of financing for
various urgent needs, such as paying
Basic school children. In urgent circumstances, which are not available
sufficient funds to pay for education of children with
immediately, then take out a loan to another party can be one
an alternative,
5. By selling assets.
If you have savings in the form of paper (paper assets)
such as mutual funds, stocks or other assets in the form of the form
like gold, land. Vehicle or other valuables can be
considered to sell it if it is not available cash funds
enough to pay for children's education.
The principle of the 5 alternatives prepare education funding, all
runs only live weigh the benefits and
disadvantages. By preparing pendiikan funds in advance or
either through early, education savings, insurance and education
prepare yourself, allow parents to design
education of their children.
Not just from the pattern and the desired educational system, but also
quality of education are closely associated with the cost of education itself.
Parents can determine early on as a long-term education
what they want for their children. Once had a prediction
required and the amount of cost and design to meet the
count umpteen time.
Conversely, if the preparation of education funding is not done in advance
previously, aka impromptu, perhaps each time you want to pay child
school tuition, again you have a frenzy. If it
so, maybe alternate number 4 and 5 you can consider as
solution.
In the end as long as the government has not been able to demonstrate its commitment
to guarantee free education for the people, then the decision to
invest in children's education fund the preparation and participation of parents
in designing education for their children is enormous. Whatever
investment products are used, preferably educational investment products
must be designed in such a way as to give priority to
interests of the child and able to provide proper benefits when
needed.
4 Easy Steps Preparing Education Fund
Preparing education funding nor the origin of saving, lest
even if you are tired of saving the funds collected are not quite as well.
To make it easier to prepare your children's education fund,
The following are the steps - steps that can be executed:
1.Menentukan needed funds target lower secondary People
parents only know the high cost of education today, but forgot
estimate how much the cost of future education. So that
although it was already saved but the funds were not
sufficient time will be used. Target education funds needed
is equal to the estimated future cost of education, and to
estimate, do the following 2 things:
Find information on how much it costs today for each - each level
education that will pass your child (kindergarten, elementary, junior high, high school,
University, S2) Suppose the cost of money entering kindergarten today is USD 5 jt
and your child will be entering kindergarten four years.
Calculate how much it costs the future of education, assuming Multiply
rising cost of education per year until your child is in school.
Suppose the cost of money entering kindergarten today is USD 5 jt and your child
will enter kindergarten 4 years while assuming an average cost increase
education per year is 10%, then 4 years later it costs money
kindergarten base had been increased to Rp 7,350,000, -
2.Menetapkan way education funding target. There are 2 ways
which can be selected to achieve the target of education funds, namely:
a. Conduct regular monthly payments into an investment product,
for example: - Saving regularly into regular savings, savings
education or a deposit in a bank, invest monthly to
fund products, or take out insurance education.
b. Saving or investing once in the face with
cash held today.
3.Melindungi investment of risk. The loss of the ability of the elderly
to earn an income due to death, injury or illness
severe, can cause deposits to fund education routine stops.
In anticipation of the risk - this risk, it would be prudent
When you take out insurance if you are taking out insurance
education or education savings that also benefit
then the auto insurance fund your children's education is protected.
This means that if one of the above mentioned risks occur then the
insurance will continue preparatory education fund for children
You.
But if you save yourself then you should take
life insurance, accident insurance and critical illness insurance, with
large amount of insurance money if the sum assured
are put into a savings or investment product
the results of interest can be obtained to pay for regular deposit funds
your child's education.
4.Melakukan evaluation and revision to ensure that the target funds
education should be achieved then chill the financial plan
the run is evaluated at least once a year. This is done
because the assumption of interest rate savings, deposits, insurance and
other investment products could have changed Similarly, the assumption
rising cost of education per year, so the possibility of
discrepancies between the assumptions used to reality
could actually happen. As a result you may be able to achieve the target
education funding chill but can not. With
Routine evaluation it will be known whether the plan
finances are met tergetnya or not, so if you have not
can be done revision or improvement plans.
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