Keputusan Investasi Uang Pensiun

Mutusin mau diapain uang investasi itu bener-bener keputusan besar, apalagi kalo lu udah umur 60 tahun dan tinggal 5 taun lagi mau pensiun. Lu pasti butuh uang ini buat bantu biaya hidup karena Jaminan Sosial cmn ganti sekitar 40% dari gaji lu sebelum pensiun (1).

Contohnya, anggap aja ada seorang pria umur 60 taun namanya Sam. Dia udah investasi uang buat pensiun sejak usianya 35 taunan.

Harus Dibaca

Sam udah ngumpulin sarang telur senilai $600.000 dan uangnya tersebar di berbagai akun beda, termasuk beberapa 401(k) dan IRA, plus beberapa akun broker kena pajak. Karena dia siap-siap pensiun dlm 5 taun, dia lagi berpikir keras buat mindahin semua $600.000 itu ke satu perusahaan investasi. Tapi dia nggak yakin apakah itu ide bagus atau enggak.

Jadi, sebaiknya Sam mindahin uangnya apa tetap disimpen di akun terpisah?

Keuntungan-keuntungan Menggabungkan Uang di Satu Perusahaan Investasi

Ada beberapa untung besar kalo Sam mindahin semua uangnya cuma ke satu perusahaan investasi.

Pertama, kalo semua uang di satu perusahaan, dia gak usah khawatir lupa akun mana aja. Mungkin susah dipercaya, tapi banyak orang lupa kalo punya akun pensiun. Faktanya, sekitar $2.1 triliun aset tertinggal di sekitar 31.9 juta akun 401(k) yang terlupakan sampai Juli 2025, menurut riset Capitalize (2).

Kalo Sam gabungin semua akunnya, dia bakal tau tepat dimna uangnya. Juga bakal lebih gampang buat dia mutusin apa yang harus dilakukan dgn investasi kalo dia bisa liat semuanya di satu tempat. Contohnya:

• Di liat total saldo dari semua akun buat mutusin berapa banyak uang yang bisa dia tarik dgn aman
• Di pastikan aset seluruhnya sesuai dengan umur dan tingkat kepercayaan ambil risiko
• Hanya perlu ngelayanin satu customer service kalo ada masalah
• Emang harus beres dapat form pajak dari satu broker ancen Saja Di Banding ban Ant tersebut B doh multiple\. Firm but its huge kept

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