For those who are preparing for retirement funds, one of the DPLK BRI banking programs can be considered. Please note that how to cash out DPLK BRI is not complicated and the requirements are relatively easy.
The BRI DPLK program is intended for individuals and cooperative employees in preparing retirement funds safely and comfortably. The application of investment in this program is very important to discipline.
Where customers must really seriously save during the investment program. In accordance with the initial provisions, the disbursement of funds will take place when retirement time arrives.
So what do you need to know more about the BRI DPLK program and the process of disbursing funds? In order not to be confused to recognize, please know the right answer in the following review.
Excellence of BRI DPLK Program
The first point that is important to know before discussing how to withdraw BRI DPLK is the advantages of the program itself. Among them include the time of disbursement of funds that can be submitted 10 years from the normal time of retirement.
Then customers are allowed to change investment instruments, so determining which one is best becomes easier. This means that the risk can be adjusted depending on the individual.
Furthermore, contribution withdrawals can be taken twice a year and pension benefits can also be paid to heirs per month. Regarding taxes, investment returns in the BRI DPLK program are tax-free.
In terms of security and transparency, the BRI DPLK program guarantees its customers so there is no need to worry about harmful transactions. In terms of management, the management uses the concept of mutual funds (daily and periodic).
Diverse BRI DPLK Program
In addition to the advantages discussed, BRI’s pension fund preparation program also has various options as instruments. To find out more about the categories of instruments offered, let’s take a peek at the following description:
1. DPLK Money Market
Starting with an instrument called DPLK Pasar Uang which has a low risk in its application. Where conservative instruments such as Bank Indonesia Certificates and deposits are used as investment products.
The percentage of fund placement in market securities is 100 percent. This means that the benefits obtained are similar to the percentage without risk, aka zero.
2. Fixed Income DPLK
The next instrument is Fixed Income DPLK with medium risk or moderate in nature. Where the possibility of customers experiencing losses can occur in the use of this instrument.
However, profit opportunities can be greater when compared to Money Market DPLK. For the placement of funds in the market, the percentage ranges from 0-40 percent while 60-100 percent (government).
3. DPLK Saham
The third instrument is called DPLK Saham which is getting bigger in terms of profit compared to the previous instruments. The benefits obtained are in line with the greater risk as well.
For the placement of DPLK Saham funds 0-40 percent in the market or securities. Then the percentage of 0-60 percent is placed in stock mutual funds.
4. DPLK Sharia Money Market
The fourth instrument is actually still on the Money Market DPLK as described. It’s just that for this instrument in the application of principles using sharia. The placement of funds is 100 percent in sharia securities.
5. Sharia Balanced DPLK
Finally there is an instrument called DPLK Berimbang Syariah with great benefits within the scope of sharia. Placement of funds in instruments in the market, sharia stocks so that the opportunity for transaction profits can be even greater.
The five instruments offered can be selected by customers by paying attention to the level of risk of each DPLK instrument. The goal is that the risk of loss in the future can be prevented in advance.
In brief, the BRI DPLK calculation simulation, for example, an initial deposit of 14.6 million rupiah and a 22 percent increase in contributions every year. Then contributions of 1 million rupiah per month with an estimated age of 33 years.
The instrument option used is a conventional version with a retirement age of 60 years, market funds and income of 50 percent each. This means that the pension funds obtained after tax are around 16 billion.
Process to Open DPLK BRI Account
For those who are interested in utilizing DPLK BRI, it is better to recognize the online account opening. Only later will enter how to cash out DPLK BRI as further information.
The first step that needs to be taken is to prepare the requirements. Starting from KTP or KITAP, having a regular income, and paying contributions of 100 thousand rupiah (minimum).
Determine the retirement age and BRI DPLK investment instrument. The second step is to open the BRI page, especially the BRI DPLK section for the registration process. Then understand every instruction given.
The next step is to check the I agree section (terms and conditions) and fill in the fields in the BRI DPLK registration form. If asked for identity, attach a photocopy of KTP or KITAP and a personal BRI savings book.
Those who want to register through a cooperative must do so at the BRI head office. After that, make sure the attachment of the cooperation agreement between the DPLK and the company is available.
If there is anything you want to ask, you can call the number 14017 or 1500017. Then electronic messages can be sent to the linked email address and access social media on the official DPLK website.
BRI DPLK Disbursement Stages
The last point in the discussion is the process of withdrawing pension funds from the BRI DPLK instrument. To find out more details, please follow the following stages:
- Prepare a number of documents. Among those that need to be prepared are KTP, NPWP, BRI savings book, participant sign, and Retirement Decree or business unit cover letter.
- Check balance. The next step is to check the balance via BRI mobile banking or BRI’s official website or directly to the branch office.
- Visit BRI office. If all documents are complete and the pension fund balance is correct to be withdrawn, come to the branch office on the due date.
- and Wait for disbursement.
- and Wait for disbursement. The final stage, customers can wait a maximum of 2 weeks (working days) for the disbursement process.
A quick glance at the search for pension funds, customers can only cash out in case retirement age arrives. Unlike the usual investment program that can be disbursed at will.
Of course the pension fund program is one of the financial controls before old age. Don’t you want to be old age still thinking about finding money, especially in sudden conditions?
Regarding the time of disbursement of pension funds that have not been disbursed, do not hesitate to ask the information and complaints service. Make sure that those protected are official BRI parties, with the DPLK BRI website directly.
After listening to the review of the BRI DPLK program and how to withdraw BRI DPLK, of course it has been illustrated. Glancing at some of the advantages offered, of course, varied risks can be included in the consideration of pension fund investment.
In the program, customers are free to choose DPLK BRI instruments according to their wishes or needs. Consisting of DPLK Money Market, Fixed Income, Shares, Sharia Money Market and Sharia Balanced.
Back to the disbursement of pension funds that can be submitted at the BRI branch office around the domicile. A number of requirements need to be considered before visiting the branch office.
Starting from KTP, NPWP to personal savings book. At the BRI branch office, directly communicate your intentions and objectives with the bank.
