The launch of programs pension systems in Indonesia is largely supported by government policy through the law no. 11 years to 1992, the establishment of the pension fund. Thus, the right to pension fund officials not only alone, but has the right of all employees. if an employee or work independently (independent). With the creation of laws arising DPPK's (Employer's Pension Fund) and the Pension Fund.
The first known name of the employer's pension fund (DPPK) is a kind of corporate pension funds, specializing in the provision of services and facilities for the pension fund of the company for employees. The company can take the form of private individuals or not.
The second is the Pension Fund of the financial institution (pension funds) is a legal institution in the form of TP is to have the responsibility to make programs, retirement benefits for customers or members. Type of pension funds in Indonesia Institution is largely dominated by insurance In addition to a variety of corporate banking.
This is due to the lack of legislation to pay retirement benefits to participants as needed in the form of annuities.
A lot of opportunities
Pension Fund has a potential market of potential customers a very broad potential members might be open to all parties have the obligation to pay pension contributions. Retirement Plan DPLK product exists as a life insurance and retirement savings annuity programs.
For employees who are already members of the company work pension fund so there is no choice but to enjoy the Pension funds by employers. Program pension funds, the Board shall be selected and managed in the best way to the company. This is bound to take every employee who works in the company.
For those of you who choose DPLK quality and reliable, able to understand some important criteria that can be done has choose the pension fund.
Some considerations can be taken are :
First, Select the Pension Fund, which have a reputation for good management and a strong economic potential for the selection of his company Pension funds are already well known reputation, financial and network quality of service is very communicative and unsatisfactory service and complaints so that the payment request is pretty good.
One way to assess the financial performance of life insurance companies shows the performance of financial solvency, is reflected in the RBC (risk-based capital). Solvency refers to a company's ability to meet payment obligations due to be on time.
Second, choose a product that offers maximum program rents DPLK. By choosing a pension is provided to ensure the money pension can enjoy the rest of his age. Annuity is a type of insurance program to make a payment of money in a fixed or a variable number of beneficiaries in the future, usually retirement. In other words, the pension program, participants will receive a monthly payment of money to retire. Program income is very important to avoid the repayment of the participants tend to be time to enjoy the pension fund.
Third, choose a pension fund program that provides insurance protection to participate in the retirement program if the participant is unable to continue the obligations of the monthly contributions. The cause can not pay the premium may be due to an accident or a layoff and can not to meet their monthly obligations. This is indeed very important to protect the interests of the old days alive and living long-term warranty
Fourth, select the pension fund is able to produce the maximum return on investment. As is well known, both leaders of the board, which is defined as The pension contribution after receiving money from the pension institution of program participants to manage and to develop these resources to a variety of investment instruments. The investment objective is to achieve the level of expected return that in the Pension Fund itself.
Fifth, to evaluate the Investment Report. To find the direction, good or not, each participant should take the of evaluation. You will receive the record contains evidence that the obligation to pay membership fees and expected pension the program.
In addition, each participant receives a report on the results accumulated pension plan investment development can be the Pension Fund organizer reports on a quarterly basis. It 'important to the pension system allows participants to assess performance of choice for pension funds. Do you agree with the promises made at the time of offering retirement products to potential customers