{"id":5033,"date":"2022-06-09T17:00:00","date_gmt":"2022-06-09T10:00:00","guid":{"rendered":"https:\/\/rocketpocket.id\/?p=5033"},"modified":"2022-09-01T10:10:34","modified_gmt":"2022-09-01T03:10:34","slug":"pertimbangan-mengambil-pensiun-dini","status":"publish","type":"post","link":"https:\/\/whiz.id\/id\/pertimbangan-mengambil-pensiun-dini\/","title":{"rendered":"Pertimbangan Mengambil Pensiun Dini: Tidak Perlu Ragu Lagi!"},"content":{"rendered":"\n

Pertimbangan Mengambil Pensiun Dini \u2013 <\/strong>Pernahkah kamu memikirkan ingin mengambil pensiun dini? Sebelum memutuskan untuk mengambil pensiun dini, ada beberapa hal yang perlu kamu pertimbangkan. Sebelum kita mulai membahas lebih jauh, tahukah kamu berapa usia pensiun di Indonesia?<\/p>\n\n\n\n

Karyawan pensiun di Indonesia rata-rata berada di umur 55-65 tahun. Keputusannya tergantung pada kebijakan perusahaan dan kesepakatan dengan karyawan itu sendiri.<\/p>\n\n\n\n

Sebelum mengambil pensiun dini, ada beberapa hal yang harus kamu pastikan. Pertama, pastikan kamu akan mendapatkan hak pensiun. Kedua, hitung berapa nominal uang yang akan kamu dapatkan, kemudian buat daftar kebutuhan selama pensiun.<\/p>\n\n\n\n

Ketiga, perhitungkan apakah uang pensiun yang kamu dapatkan bisa membiayai kebutuhanmu atau tidak. Keempat, pastikan juga kamu sudah menabung cukup banyak untuk berjaga-jaga dan bebas dari utang.<\/p>\n\n\n\n

Apabila kamu sudah bisa memastikan semua hal tersebut telah terpenuhi, kamu boleh mengambil pensiun dini dengan tenang. Namun, jika kamu masih ragu, Whiz punya beberapa kelebihan dan kekurangan mengambil pensiun dini yang bisa menjadi bahan pertimbanganmu!<\/p>\n\n\n\n

Baca Juga: 7 Rekomendasi Buku Keuangan untuk Anak Muda, Wajib untuk Dibaca!<\/a><\/strong><\/p>\n\n\n\n

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Kelebihan Mengambil Pensiun Dini<\/strong><\/h3>\n\n\n\n

Berikut ini beberapa kelebihan mengambil pensiun dini yang bisa menjadi bahan pertimbangan kamu.<\/p>\n\n\n\n

1.<\/strong> Baik untuk Kesehatan<\/strong><\/h4>\n\n\n\n

Setelah mengambil pensiun dini kamu bisa memiliki banyak waktu untuk beristirahat. Kamu tidak perlu lelah atau stress karena pekerjaan sehingga bisa menyimpan banyak energi dan fokus pada kesehatanmu.<\/p>\n\n\n\n

2. Banyak Waktu Luang<\/strong><\/strong><\/h4>\n\n\n\n

Biasanya kita menghabiskan waktu seharian untuk bekerja. Pensiun dini akan membebaskanmu dari hal itu. Akan ada banyak waktu luang yang bisa kamu manfaatkan untuk beragam hal. Contohnya, kamu bisa menghabiskan waktu untuk melakukan hobi, pergi jalan-jalan, atau bersosialisasi dengan orang baru.<\/p>\n\n\n\n

3. Mencoba Karir Lain<\/strong><\/h4>\n\n\n\n

Apakah kamu pernah merasa penasaran untuk melakukan pekerjaan lain, tapi terlalu takut untuk mengambil risiko? Atau terkena konflik dengan pekerjaan sebelumnya? Setelah pensiun dini, kamu bisa mencoba hal ini!<\/p>\n\n\n\n

4. Menghabiskan Waktu Dengan Keluarga<\/strong><\/strong><\/h4>\n\n\n\n
\n
\"\"<\/figure>\n<\/div><\/div>\n\n\n\n

Di usia yang sudah tua, pastinya kita ingin lebih menghabiskan waktu bersama keluarga. Apalagi jika sebelumnya jarang berkumpul bersama karena terhalang pekerjaan. Pensiun dini bisa menjadi kesempatan yang bagus.<\/p>\n\n\n\n

Baca Juga: 6 Tips Menyusun Financial Freedom Roadmap<\/a><\/strong><\/p>\n\n\n\n

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Kekurangan Mengambil Pensiun Dini<\/strong><\/h3>\n\n\n\n

Berikut ini beberapa kekurangan mengambil pensiun dini yang bisa menjadi bahan pertimbangan kamu.<\/p>\n\n\n\n

1. Tabungan Pensiun Harus Bertahan Lama<\/strong><\/strong><\/h4>\n\n\n\n

Apabila kamu memutuskan untuk pensiun dini, otomatis uang yang kamu butuhkan juga akan semakin besar. Oleh karena itu, kamu harus memastikan bahwa kamu punya tabungan pensiun yang besar dan cukup untuk bertahan lama.<\/p>\n\n\n\n

2. Muncul Rasa Bosan<\/strong><\/strong><\/h4>\n\n\n\n

Selama bekerja kita biasa memiliki rutinitas dan kesibukan setiap harinya. Ketika semua hal itu berhenti, pasti ada rasa bosan yang muncul. Ditambah banyaknya waktu luang yang ada selama pensiun. Kamu harus pandai-pandai mengatur rutinitas baru selama pensiun agar terhindar dari rasa bosan.<\/p>\n\n\n\n

3. Aset atau Tabungan Berkurang<\/strong><\/strong><\/h4>\n\n\n\n

Setelah pensiun, sudah tidak ada lagi pemasukan stabil setiap bulannya. Mau tidak mau kamu akan melihat aset atau tabungan yang dengan susah payah kamu kumpulkan akan berkurang karena dipakai untuk biaya hidup.<\/p>\n\n\n\n

Baca Juga: Ini Cara Mengatur Keuangan Gaji 7 Juta yang Tepat!<\/a><\/strong><\/p>\n\n\n\n

\n\n\n\n

Itulah beberapa kelebihan dan kekurangan mengambil pensiun dini yang bisa menjadi bahan pertimbangan kamu. Silakan nilai dan pikirkan apakah kamu sudah siap mengambil pensiun dini atau belum.<\/p>\n\n\n\n

Ayo Download Aplikasi Whiz dan Rasakan Langsung Kemudahan Finansial Kamu<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Pertimbangan Mengambil Pensiun Dini \u2013 Pernahkah kamu memikirkan ingin mengambil pensiun dini? Sebelum memutuskan untuk mengambil pensiun dini, ada beberapa hal yang perlu kamu pertimbangkan. Sebelum kita mulai membahas lebih jauh, tahukah kamu berapa usia pensiun di Indonesia? Karyawan pensiun di Indonesia rata-rata berada di umur 55-65 tahun. Keputusannya tergantung pada kebijakan perusahaan dan kesepakatan […]<\/p>\n","protected":false},"author":8,"featured_media":5040,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-5033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting-purchasing-decisions"],"yoast_head":"\nPertimbangan Mengambil Pensiun Dini: Tidak Perlu Ragu Lagi! – Whiz<\/title>\n<meta name=\"description\" content=\"Pensiun dini memang keputusan yang membingungkan untuk diambil. 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