Program Pensiun

Program Pensiun

Dana Pensiun dalam Perspektif Masyarakat Steven Tanner Hotel Bidakara, Jakarta, 24-25 Oktober 2018 TOMORROW STARTS TODAY... Kesiapan dan kelayakan Kesiapan menghadapi masa pensiun Hanya 30% pekerja di Indonesia optimis menghadapi masa pensiun 1) Negara lain2) Swedia 48% Italia 38% Jerman 55% Belanda 33% Inggris 34% Irlandia 51% Amerika Australia 61% 53% Kelayakan manfaat pensiun Hanya 5% pensiunan di Indonesia merasa sejahtera di masa pensiun 1) Negara lain2) Swedia

59% Italia 56% Jerman 65% Belanda 40% Inggris 60% Irlandia 50% Amerika Australia 74% 71% 1) Syarifudin Yunus, Dosen & Pemerhati Pendidikan Bahasa, Pengurus Perkumpulan DPLK Indonesia 2) Catherine Reilly, Global Retirement Reality Report, State Street Global Advisors, 31 May 2018 2 Statistik lembaga dan peserta Jumlah lembaga dana pensiun Lembaga Dana Pensiun DPPK-DB DPPK-DC DPLK Total 2010 208 40 24 272 Jumlah Lembaga Dana Pensiun di Indonesia 2011

2012 2013 2014 2015 192 47 25 264 2016 180 44 25 249 2017 169 44 23 236 Agustus 2018 165 44 23 232 Jumlah peserta BPJS Ketengakerjaan mencapai 25 juta, termasuk 14 juta di dalamnya adalah peserta BPJS Jaminan Penisun (Liputan6.com, 27/11/2017) Jumlah peserta dana pensiun Lembaga Dana Pensiun DPPK-DB DPPK-DC DPLK Total 2010 1,147,633 235,108 1,435,256 2,817,997 2011

1,138,048 274,779 1,669,881 3,082,708 Jumlah Peserta Dana Pensiun di Indonesia 2012 2013 2014 2015 1,134,609 1,081,021 1,103,840 1,088,755 299,251 285,147 342,169 352,610 1,911,938 2,267,477 2,479,435 2,748,162 3,345,798 3,633,645 3,925,444 4,189,527 2016 1,069,982 363,121 2,961,942 4,395,045 2017 1,010,854 389,241 3,055,617 4,455,712 3 Jumlah aset lembaga dana pensiun Indonesia Lembaga dana pensiun (Agustus 2018) Rp261.6 triliun (USD 17.4 miliar) BPJS Ketenagakerjaan (2017) Rp326 triliun (USD 21.7 miliar) Total (dana pensiun + BPJS Ketenagakerjaan), USD 30.1 miliar*

Negara lain OECD data (2017) * Masih rendah, tetapi mendekati Thailand Amerika terbesar (USD 16,223.7 miliar), disusul Inggris (USD 2,903.3 miliar), Australia (USD 1,718.3 miliar), Belanda (USD 1,604.7 miliar) dan Kanada (USD 1,423.0 miliar), Swiss (USD 1,012.8 miliar) Jepang (USD 1,382.5 miliar), Korea (USD (176.3 miliar), Hongkong (USD 148.1 miliar), Thailand (USD 33.4 miliar) USD = Rp15,000 4 Salah satu hasil studi di Inggris3) Attitudes of young people (age 18-24) towards pension planning Little concern about retirement savings More likely to be myopic in their approach to finances Try to avoid thinking about retirement Prefer a good standard of living today to saving for retirement future Prefer current over future consumption Believe that the future will take care of itself Challanges young people face

Knowledge and advice awareness and where to find information Trust public and private pensions Myopia short term views of needs 3) Liam Foster, Department of Sociological Science, University of Sheffield, Cambridge University Press, 2015, Social Policy and Society (2017) 16:1, 6580 5 Psychological factors4) Experience has shown that majority of workers facing inadequately funded retirement futures Reasons why people dont save, not save enough, or defer decisions Inertia or procrastination Lack of self control Making reductions in lifestyle and expenditures is painful Myopia, present bias or hyperbolic discounting 4) Unable to cut back on our lifestyle and spending today Fear of loss or loss aversion Avoiding to enroll in a retirement plan deferring decisions

Value current spending more than future wealth Richard H. Thaler and Shlomo Benartzi, Save More Tomorrow: Using Behavioural Economics to Increase Employee Savings, Journal of Political Economy, Vol. 112 No. 1, pp, S164-S187, February 2004 6 Save More Tomorrow4) The key to saving more money tomorrow is to pre-commit any extra income to future savings by deciding today This way, we will have no feeling of loss since Committed to save of what we dont actually have on hand Three major retirement planning decisions: 4) Extra income tomorrow, put it all (or part) into savings Save: make a decision to save Save more: saving at adequate levels Save smarter: investing those savings wisely Richard H. Thaler and Shlomo Benartzi, Save More Tomorrow: Using Behavioural Economics to Increase Employee Savings, Journal of Political Economy, Vol. 112 No. 1, pp, S164-S187, February 2004 7 TPP program wajib Tingkat Penghasilan Pensiun (TPP) yang diperoleh dari program wajib (JHT, Imbalan Pesangon, dan program JP), masih kurang dari nilai yang dianggap memadai untuk pensiun (70-80% dari penghasilan terakhir sesaat sebelum pensiun) Masa

Kerja (Tahun) 25 30 31 32 33 34 35 Imbalan (x Upah) Tingkat Penghasilan Pensiun (TPP)** Faktor Anuitas @UPN JHT Imbalan* Total Pesangon 180 200 220 240 17.4 32.2 49.6 27.5% 24.8% 22.5% 20.7% 21.0 32.2 53.2 29.5% 26.6% 24.2% 22.2% 21.7 32.2 53.9 29.9% 26.9% 24.5% 22.5% 22.4 32.2 54.6 30.3% 27.3% 24.8%

22.8% 23.1 32.2 55.3 30.7% 27.7% 25.2% 23.1% 23.9 32.2 56.1 31.1% 28.0% 25.5% 23.4% 24.6 32.2 56.8 31.5% 28.4% 25.8% 23.7% * Masa kerja penuh pada pemberi kerja terakhir ** TPP (% Upah) = Total Imbalan dibagi dengan Faktor Annuitas Perkiraan TPP BPJS JP (masa kerja 35 tahun), pada kisaran 17.5-23.3% 8 Tantangan ke depan Sangat diperlukan dan mendesak untuk segera melakukan sosialisasi dan edukasi berskala nasional secara maksimal dan berkesinambungan dalam memberikan penyadaran kepada masyarakat luas (dengan partisipasi aktif perusahaan, termasuk pekerjanya sendiri) mengenai betapa pentingnya mempersiapkan kebutuhan keuangan mereka pada saat pensiun nanti 9

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