Bung Jo, Di Belanda berlaku 2 macam pensiun. Yang satu adalah pensiun dari negara (AOW ). kalau tinggal sejak tahun 1956 di negeri Belanda, kerja atau tidak kerja, dapat pensiun negara. Kalau masuknya ke negeri Belanda, misalnya pada tahun 1980, dia kehilangan pensiun negara sebanyak 2 % tiap tahunnya. Jadi untuk yang baru masuk di tahun 1980, kehilangan pensiun negaranya sebanyak ( 1980- 1956) X 2 % = 48 %. Jadi waktu umur 65 dulu, sekarang 67, dia terima pensiun negara tinggal 52 %. Orang kerja dapat pensiun, kalau kerja 40 tahun penuh, tergantung premie pensiun yang distor. Kalau masa kerjanya hanya 25 tahun, terimanya = 25/40 X hak pensiun. Yang diterima orang pensiun = pensiun negara + pensiun perusahaan. Itu peraturan jaman saya dulu, tahun 2000. Sekarang peraturannya lain lagi, berdasarkan masa 50 tahun ? Perkembangan terakhir saya tidak ikuti, sudah lama pensiun. http://www.netwerknoom.nl/media/AOWenPensioenenjanuari2016.pdf ..
On 6 July 2018 at 08:24, [email protected] [GELORA45] <[email protected] > wrote: > Apa betul pajak pendapatan utk. profesi dgn. pendapatan tinggi di Holland, > bisa mencapai 75% dari pendapatannya? Apa mereka akan mendapat pension yg.. > tinggi sesuai dgn. pajak yg. dibayarnya sebelum pensionan? > > > ---In [email protected], <djiekh@...> wrote : > > Sekarang di negeri Belanda, orang harus kerja sampai umur 67 tahun, untuk > dapat pensiun penuh. > Ini disebabkan dana pensiun tidak cukup, karena bunga dari pnsiun premi > yang dikumpulkan, > sekarang bunganya rendah sekali > ( hampir mendekati 0 %). Jadi pengolah pensiun harus cari jalan lain, jual > beli saham,jual beli surat2 > hutang. > Jadi kalau artikel di bawah benar, begitu selesai kerja umur 67 tahun, > orang langsung mati, tidak > perlu diberi pensiun ? > Kalau istrinya masih hidup, masih dapat sebagian ? > Dulu waktu di Belanda banyak pengangguran, jam kerja orang dikurangi dari > 40 jam seminggu jadi > 36 jam seminggu, dan orang boleh krja 4 hari, tiap hari 9 jam. Untuk > manager dan assisten manager > 38 jam seminggu. Yang 2 jam extra per minggu di atas 36 jam, dapat > dibayar, atau ditotal dijadikan > hari libur tambahan. > Lalu ini dianggap masih belum mencukupi. lalu ada aturan, kalau mau > meninggalkan perusahaan pada > umur 61 tahun, masa kerjanya akan dihiung berkurang 4 tahun, tetapi > pensiun dari perusahaan sendiri > akan dihitung seolah olah pensiunnya umur 65 tahun. Banyak yang ambil ini.. > > On 6 July 2018 at 02:21, jonathangoeij@... [GELORA45] < > [email protected]> wrote: > > > > Retire at 55 and live to 80; work till you’re 65 and die at 67. Startling > new data shows how work pounds older bodies. > <https://www.biznews.com/thought-leaders/2013/09/10/retire-at-55-and-live-to-80-work-till-youre-65-and-die-at-67-startling-new-data-shows-how-work-pounds-older-bodies/> > > *Here’s a very sobering piece from financial planner Alec Riddle, who > looks at the relationship between how long you work and how long you’re > likely to enjoy your retirement. Citing some interesting research, Alec > argues that those who continue to work right up to the maximum retirement > age tend to have shorter retirements than their peers who retire younger. > This article will certainly make you think about your own retirement plans > and strategy, especially if you’re like me and hoping to work until you’re > 95. – FD* > [image: Alec Riddle: A Champion in financial planning and sport. A pretty > good blogger too.] > <http://biznewz.biz/wp-content/uploads/2013/09/Alecpic.jpg> Alec Riddle: > A Champion in both financial planning and sport. A1pretty good blogger > too. > > *By Alec Riddle** > > Imagine working as long as you possibly can, or until your maximum > retirement age, to ensure you have sufficient funds for your Retirement, > only to die within two years of retiring? > > An actuarial study conducted on some of the larger US Pension Funds > including Boeing Aerospace, indicates that employees who retired at the age > of 65, died within two years of retirement. > > Dr Ephrem (Siao Chung) Cheng provided the results from an Actuarial Study > on the correlation between Retirement Age and Longevity. > > *“Ten working years could cost you twenty years of your Retirement!”* > > The studies were based on the number of Pension Fund cheques sent to > Boeing retirees. The Boeing experience was that employees retiring at age > 65 received pension cheques for 18 months, on average, prior to death. A > similar experience was discovered at Lockheed Martin, where on average, > employees received pension cheques for just 17 months. > > Apparently the experiences at Ford Motor Company and Bell Labs were > similar to those of Boeing and Lockheed. Statistics at a pre-retirement > seminar illustrated that the average age of retirement at most large > corporations in the US was 57. So people retiring at age 65 are a minority, > but it is still a startling statistic. > > The thought is that the hard working late retirees (65) are more than > likely putting too much stress on their ageing bodies and minds and due to > the stress, they develop a variety of health problems. The associated > stress induced health problems lead to them dying within two years of > retirement. > > Another startling statistic from the same Corporations is that those who > retire earlier, say age 55, tend to enjoy their retirement on average for > more than 25 years. The chances are that those able to retire earlier have > less stress, have planned and managed their lives better, with respect to > finances, health and career and are able to retire comfortably. > > One important observation is that these younger retirees (55) aren’t > necessarily idle in retirement, but they are far less stressed than their > working counterparts from age 55 to 65. This means they may be busying > themselves with part time work, hobbies and things they enjoy doing, so > much so that ‘work’ becomes fun and is done at a more leisurely pace. > > Conclusion: > > People should plan their careers and their finances, enabling them to > retire, or at the very least be financially independent, as early as > possible. This will ensure they are able to enjoy a longer, happier and > more leisurely retirement to age 80 and beyond. > > Don’t switch off and be idle when you retire. You can still do things that > are of interest to you, or you can get involved in things that are of value > to your community, all at a pace you feel comfortable with. > > The flipside of the coin is that you may have to keep on working very hard > and under stress, till age 65, before you retire. In that case and if the > actuarial studies of some of the world’s largest Corporations hold true, > then the chances are that you would probably die within a few years of > retirement. > > In a nutshell, by putting in 10 more ‘hard’ years, after the age of 55, > you could potentially forfeit 20 years of your Retirement. Or saying it > differently, for every year you work beyond the age of 55, on average one > forfeits two years of life span. > > ** Alec Riddle was recognised by the industry as an authority on Financial > Planning, when he was crowned the FPI/Personal Finance Financial Planner of > the year for 2009/10, after being named a finalist in 2008. Has a BA > degree, majoring in Mathematics, from the University of Port Elizabeth, > successfully completing his Post Graduate Diploma in Financial Planning in > 2005 through the University of Free State and became a Certified Financial > Planner. In addition to being awarded SA colours in 3 sporting > disciplines, he also coached numerous national champions and Olympians and > qualified for the World Iron Man Champs in 2011/12 and was World Champion > in his age category in 2011. Read more of Alec’s writing by clicking here. > <https://plantoretire.wordpress.com/> * > > > > >
