This article is to support today’s topic in Financial Clinic 87.6 Hard Rock FM.
Now it’s Dipo’s turn to have his education planned starting from now.
TABEL 1. BIAYA PENDIDIKAN (PRESENT VALUE)
| Level | Periode | Tahun | Sekolah | Uang Muka (Rp) | Smt/Thnan | SPP Bulanan (Rp) | Total Biaya (Rp) |
| Preschool | 2 | 2008 | Preschool | 650,000 | 250,000 | 6,650,000 | |
| PG | 1 | 2010 | Preschool | 650,000 | 7,800,000 | ||
| TK | 2 | 2011 | Swasta | 5,000,000 | 5,000,000 | ||
| SD | 6 | 2013 | Swasta | 5,000,000 | 5,000,000 | ||
| SMP | 3 | 2019 | Swasta | 4,000,000 | 4,000,000 | ||
| SMA | 3 | 2022 | Swasta | 6,000,000 | 6,000,000 | ||
| S1 | 4 | 2025 | Swasta | 250,000,000 | 250,000,000 | ||
| 284,450,000 |
Talk to your partner about where you want to put your children through school. It doesn’t have to be exact. At least you get it prepared in advance. You can always revise your plan along the way.
Ehem, it’s wise to plan for 2 children. Calculating edu fund for Dipo gave all of us in the studio a big headache… yet my husband still asks for another baby… (yeee curhat dadakan lagi hehehehe)
In this case, we use Pre-school from similar schools like Tumble Tots, Gymbore and the likes. Cost of education at TK – SMA is taken from a study published by Majalah Investor. They used average cost for private schools in Jakarta. National Plus and International schools will cost more. Cost for S1 program is a package from “jalur mandiri” FK-UI.
Monthly SPP for TK – SMA is ignored with the assumption that the parents is expecting to get salary increment at the same amount of the monthly fee.
The assumptions we use are as follows :
Inflasi biaya pendidikan Preschool – SMA swasta di Indonesia = 20% per tahun
Inflasi biaya pendidikan S1 di Indonesia = 15% per tahun
Inflasi biaya pendidikan S1 di luar negeri = 10% per tahun
Now think about the inflation rate…
TABEL 2. BIAYA PENDIDIKAN (FUTURE VALUE)
| Level | Waktu | Biaya Nanti (Rp) | Investasi Bulanan (Rp) | Asumsi rata-rata target hasil investasi | Investasi saat ini, lumpsum (Rp) |
| Preschool | 1 | 7,980,000 | 643,933 | 7% | 7,457,944 |
| PG | 3 | 13,478,400 | 337,550 | 7% | 11,002,389 |
| TK | 4 | 10,368,000 | 187,795 | 7% | 7,909,698 |
| SD | 6 | 14,929,920 | 152,173 | 10% | 8,427,551 |
| SMP | 12 | 35,664,402 | 40,215 | 25% | 2,450,839 |
| SMA | 15 | 92,442,129 | 48,251 | 25% | 3,252,518 |
| S1 | 18 | 3,093,863,401 | 758,746 | 25% | 55,734,088 |
| 3,268,726,253 | 2,168,663 | 96,235,027 |
The above is just illustration of what you can do should you invest your money. Note the wording : ASUMSI RATA-RATA TARGET HASIL INVESTASI.
Artinya :
Jika kita berinvestasi setiap bulan selama 3 tahun terus menerus, dan rata-rata selama 3 tahun hasil investasi tersebut adalah 7% per tahun, maka kita perlu berinvestasi sebesar Rp 187,795 / bulan.
You’ll be asking… what kind of products can offer 7%, 10% and 25% return per year?
Nothing is for sure! We never ever ever ever guarantee return!
These are the assumptions (again, nothing is for sure) for returns of Reksadana.
- Reksadana Pasar Uang = 7% per tahun (asumsi rata-rata target hasil investasi < 5tahun)
- Reksadana Pendapatan Tetap = 10% per tahun (asumsi rata-rata target hasil investasi 5-10tahun)
- Reksadana Campuran = 20% per tahun (asumsi rata-rata target hasil investasi >10tahun)
- Reksadana Saham = 25% per tahun (asumsi rata-rata target hasil investasi > 10tahun)
Asumsi di atas dapat berubah sewaktu-waktu sesuai kondisi terkini.
Setiap institusi keuangan dapat menggunakan asumsinya masing-masing.
Whatever you choose to do, USE YOUR BRAINCELLS, know the consequences of your choices… and when you decide to invest your money… please please please consider the risk. Are you ready to take the risk? Find out more about your risk profile.
Sorry, no excel file to download this time 
You can always call our office at 5290 4041 / 990 904040 and get more information on how we do planning for our clients 
(yeee jualan kitaa hehehe)
START YOUR CHILD EDUCATION PLAN NOW…
Finance Should Be Practical!
Ligwina Hananto
