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2024-12-03

Start Early, Retire Happily with Pensiun Hijrah

Retirement is an inevitable phase of life, yet it often gets overlooked by many. Most people perceive retirement as a distant event or something too early to think about. In reality, starting your retirement planning in your 30s is crucial to ensure a peaceful retirement without financial worries.

 

Financial Needs During Retirement

 

When considering retirement, many people focus solely on their retirement age, without factoring in what they’ll actually need during their golden years. The truth is, the financial requirements during retirement are much more complex than simply stopping work. Here are some key aspects to prepare for financially to ensure a comfortable and worry-free retirement:

 

  1. Health and Medical Care

    One often-overlooked aspect of retirement planning is the cost of healthcare. As you age, health risks naturally increase, and medical expenses can become a significant burden.
    According to the MMB Health Trends 2025 report, the projected medical trend rate in Indonesia for 2024 is expected to reach 13%, higher than the Asia average of 11.4%. This makes it imperative to have adequate retirement funds to anticipate medical needs. You should also consider the cost of health insurance or even long-term care services that may be necessary as you get older.

  2. Daily Living Expenses

    Once you retire, your regular monthly income ceases, and you will rely entirely on the retirement fund you’ve accumulated over the years. It’s vital to ensure that your savings are sufficient to cover daily expenses such as food, transportation, utilities, and more. With the rising cost of living, especially in urban areas, careful financial planning becomes even more essential.

  3. Leisure and Social Activities

    Retirement doesn’t mean giving up on enjoying life. Many envision their retirement years as a time for relaxation, such as traveling, vacationing, or participating in social and charitable activities. Whether it’s exploring new places, meeting friends, or indulging in long-postponed hobbies, you’ll want to have funds set aside for leisure and social engagements to make your retirement both joyful and meaningful.

  4. Family Support

    For some, retirement doesn’t absolve them of their responsibility to support their children or family members in need. There may still be urgent financial requirements like children’s education, family healthcare costs, or aiding relatives. Having a well-prepared retirement fund allows you to help your family without compromising your financial stability.

 

Why Is Retirement Planning Important?

 

One reason many people delay retirement planning is the perception that it’s far off in the future. However, the sooner you start saving and planning for retirement, the greater the benefits you’ll reap in the long run.

While awareness about the importance of retirement planning is increasing, only a few take the right steps to build their retirement fund effectively. One of the best solutions is joining a retirement program aligned with Sharia principles.

 

Pensiun Hijrah: A Sharia-Compliant Retirement Solution

 

For those seeking a peaceful, comfortable, and Sharia-compliant retirement, Pensiun Hijrah by DPLK Syariah Muamalat offers the ideal solution. This retirement program is specifically designed to help you prepare your retirement fund in accordance with Islamic principles, avoiding elements of usury (riba), uncertainty (gharar), and gambling (maysir).

 

Advantages of Pensiun Hijrah:
 
  1. Safe and Trusted Sharia Investments
    Pensiun Hijrah operates under Sharia principles, ensuring that all investments are free from transactions that conflict with Islamic teachings. Managed by DPLK Syariah Muamalat, the program upholds transparency and high professionalism, giving you peace of mind about your investment.
  2. Flexible Contributions
    Pensiun Hijrah allows you to determine contribution amounts based on your financial capacity. You can start small and gradually increase your contributions over time. This flexibility helps you tailor your retirement plan to your financial situation.
  3. Security and Professional Management
    With experienced and reputable investment managers, DPLK Syariah Muamalat ensures that your retirement fund is well-managed to deliver optimal returns.
 

Start Planning Your Retirement Now

 
Don’t delay any longer! The sooner you begin your retirement planning, the greater the benefits you’ll enjoy. With Pensiun Hijrah from DPLK Syariah Muamalat, you’re not only securing a safer future but doing so in a way that aligns with Sharia principles. Sign up today and start saving for a retirement free from worry!

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