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Simulation Input
Your current age :
Years
Your retirement age plan :
Years
Monthly Saving (Rp. / ex. 50,000) :
Initial Saving (Rp. / ex. 50,000) :
Disclaimer :
Simulasi ini menggunakan asumsi tingkat bunga sebesar 10% p.a, namun hasil perhitungan ini hanya bersifat perkiraan, bukan merupakan hasil perhitungan yang pasti, karena realisasi hasil pengembangan tergantung pada tingkat suku bunga yang berlaku di pasar.
Hasil Perhitungan sudah dikurangi Biaya Administrasi dan Biaya Pengelolaan Dana.
Total Dana belum diperhitungkan dengan pajak.
Sesuai Peraturan OJK No.5/POJK.05/2017 tanggal 1 Maret 2017 tentang Iuran, Manfaat pensiun dan Manfaat lain yang diselenggarakan oleh Dana Pensiun, dijelaskan sebagai berikut :
Pembayaran manfaat pensiun secara sekaligus :
Jika Total Dana Peserta (setelah dikenakan pajak) berjumlah ≤ Rp500 juta atau.
Jika Total Dana Peserta (setelah dikenakan pajak) berjumlah > Rp1.500 juta (total dana yang dibayarkan sekaligus yang dimaksud adalah selisih dari manfaat pensiun yang diterima setelah dikurangi Rp1.500 juta dan hanya dapat dilakukan pembayaran secara sekaligus sebanyak 1 (satu) kali ketika memasuki usia pensiun).
Namun jika Peserta menghendaki Manfaat Pensiunnya dibayarkan secara bulanan, maka hal tersebut dapat dilakukan, selama Total Dana tersebut berjumlah sesuai dengan pembelian produk Anuitas di Perusahaan Asuransi Jiwa.
Pembayaran manfaat pensiun secara bulanan :
Jika Total Dana Peserta (setelah dikenakan pajak) berjumlah > Rp500 juta s/d Rp1.500 juta, maka Manfaat Pensiun akan dibayarkan secara bulanan melalui pembelian produk Anuitas di Perusahaan Asuransi Jiwa (jika ingin manfaat pensiun secara sekaligus, dibatasi maksimal 20%).
Pembayaran Pensiun Bulanan akan diterima Peserta seumur hidup, setelah itu diteruskan penerimaannya oleh Ahli Waris Peserta (Janda/Duda seumur hidup, Anak sampai dengan usia 25 tahun/menikah/bekerja sesuai dengan produk Anuitas di Perusahaan Asuransi Jiwa yang dipilih peserta).