How Much Emergency Fund Do You Need? Calculator & Tips
Calculate ideal emergency fund: 3x expenses for singles, 6x couples, 12x families. Guide on amounts, calculations, where to keep it.
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Creating an Investment Plan
Financial planning and retirement goals
12 articles
2
Investment Policy Statement (IPS): A Personal Investment Plan Template
Build an IPS covering goals, cash needs, risk capacity, allocation, product criteria, and rebalancing without promised returns or brand recommendations.
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Self-Funded Retirement Planning: Don't Rely Solely on BPJS and Your Children
BPJS Ketenagakerjaan only covers a small portion of your retirement needs. BPS data shows that relying on children isn't a solution. A guide to building your own retirement fund with mutual funds, DPLK, and government bonds.
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How Much Retirement Savings Do You Need? Full Simulation
Calculate how much you need to save monthly for a comfortable retirement in Indonesia. Spoiler: BPJS alone won't be enough.
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FIRE in Indonesia: Early Retirement Guide for Employees and Freelancers
FIRE movement in Indonesia: calculate early retirement target, investment strategies, realistic simulations for all salary ranges.
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Long-Term Care Costs: The Retirement Risk People Often Miss
Many retirement plans only count monthly living costs. But later life can bring caregiver costs, home renovations, daily assistance, and a very different kind of portfolio risk.
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30 Million SIDs Do Not Equal 30 Million Diversified Portfolios
Opening an investment account is a start, not proof that you are ready. Build a disciplined investment system: one goal, a time horizon, an emergency fund, product limits, regular contributions, and rules against finfluencer-driven decisions.
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Automate Savings: Organize Cash Flow Before Investing
Schedule transfers after income arrives, separate annual costs, record debt costs, and set pause rules so contributions do not disrupt living needs.
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Investing for Children: Education Savings vs Mutual Funds, Which Is Better?
Comparison of bank education savings, education insurance, and DIY mutual funds for children's college. Save hundreds of millions with the right strategy.
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Managing Inherited Investments: A Guide for Heirs
A practical guide for heirs receiving investment inheritance in Indonesia — from taxes, claiming mutual funds and stocks, to simple estate planning.
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How to Save for a House Down Payment: A Realistic 3-5 Year Strategy
Practical guide to saving house down payments in Jakarta, Surabaya, and Bandung. Monthly targets, right investment instruments, and goal-based strategies.
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Retirement Age 56: What It Means for Your Financial Planning
Indonesia's retirement age has risen from 56 to 59 (as of 2025). Understand the PP 45/2015 rules, the impact on BPJS JHT and JP, and strategies to bridge the financial gap.
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Other Categories
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