Professional Documents
Culture Documents
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>1,5jt
Biokos
Biokos,
Dermacos
1jt1,5jt
Belia, Cempaka,
Mirabela
500rb1jt
< 500rb
Demographic market
segmentation
< 500rb
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Risiko:
1. Disability
2. Die too soon
3. Critical illness
4. Live too long
Deposito
Rumah
Mobil
Penghasilan
PRODUKTIVITAS VS USIA
Usia 55th
Usia 22th
Usia Produktif
Usia 65th
Usia Pensiun
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Tanggungjawab Pencari
Nafkah
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1.
2.
3.
5.
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Nonfinancial goals
Financial goals
goals.
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1-20
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1-21
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1-24
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Life-Cycle Phases
important variables
Example: choosing between a public and private university; the
public university costs $15,000 per year whereas the private
university costs $40,000 per year. Does the private university
provide benefits that compensate for the additional $25,000
($40,000$15,000)?
2 Opportunity Coststhe benefits given up when one
alternative is chosen over another
Example: putting money in a savings account rather than
investing in the stock market. The opportunity cost is the higher
return that could potentially be earned in the stock market.
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finances?
financial planning?
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6. Monitoring the
financial planning
recommendations.
2. Gathering client
data, including goals.
5. Implementing the
financial planning
recommendations.
3. Analyzing and
evaluating your
financial status
4. Developing and
presenting financial
planning
recommendations
and/or alternatives
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In Indonesia:
Certified Financial Planner (CFP)
Chartered Financial Consultant (ChFC)
Registered Financial Planner - Indonesia (RFP
- Indonesia), issued by FPAIndonesia
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