Retirement Planning
Mr. Budi - Optimizing Retirement Funds for a Worry-Free Future
Explore how Mr. Budi, a 55-year-old retiree from Surabaya, restructured his savings, optimized his assets, and secured his retirement lifestyle with Finania’s expert retirement planning strategy.
overview
Mr. Budi had recently retired from a 30-year career in logistics. While he had accumulated savings and received a pension, he was unsure how to manage his funds long-term. With rising healthcare costs and uncertainty about his children’s education expenses, he wanted to be proactive—not reactive—with his finances.
Challenge
Though Mr. Budi wasn’t in debt, he faced new uncertainties:
No structured plan to manage his lump-sum pension payout
Unsure how to balance monthly living costs and long-term investment
Concerned about inflation eroding his purchasing power
Wanted to support his grandchildren’s future education without sacrificing his lifestyle
No will or estate planning set up
Solution
Finania provided a holistic retirement strategy:
Conducted a full retirement asset assessment
Allocated funds into 3 buckets: Daily living, Medium-term growth, Long-term preservation
Shifted some cash into inflation-resistant instruments like government bonds
Helped set up a monthly drawdown plan from investment returns
Advised on health insurance optimization and long-term care planning
Guided him through estate planning & inheritance setup
Result
Metric | Before | After |
|---|---|---|
Monthly Financial Plan | None | Fixed drawdown strategy |
Asset Risk Exposure | High (mostly cash & stocks) | Balanced across risk categories |
Healthcare Planning | Minimal | Fully insured |
Estate Readiness | No plan | Will & asset documentation ready |
Reduced emotional stress around unpredictable expenses
Built a sustainable monthly income stream from investments
Structured plan for grandkids’ education funding
Peace of mind knowing his family is protected and informed
