For those of you who are already employees, there will definitely be times when you will resign from your job. This is related to age and productivity which decreases over time. Utilizing business capital financing can be used as an alternative to obtaining business capital.
When entering retirement, some people use this time to relax and gather with family. However, there are also some who prefer to stay productive. Choosing to stay productive after retirement is a fairly common thing to do. Financial problems, feelings of wanting to continue to be productive, or feeling lonely are often the basis why people who have entered retirement intend to return to work.
Starting a business after you retire has many benefits. You can keep yourself productive, keep income, and play a role in reducing unemployment by creating jobs.
If you are one of those who choose to start a business after entering retirement, here are some tips so that your business in retirement can be started smoothly.
1. Don't Withdraw Your Retirement Funds Too Early
Although your pension fund can be used as additional working capital, it is recommended that you do not take your pension fund early. If you withdraw your retirement funds earlier than the withdrawal deadline, you can be subject to substantial penalties and taxes. Therefore, make sure that you prepare for your retirement carefully.
2. Doing a Job You Love
If you want to start a business after retirement, make sure that you do the kind of work that you enjoy. You can also hone the skills that you have mastered. This is so that you do not feel stressed or pressured in carrying out the work you have chosen.
In addition, it is also recommended that you establish more communication with your customers. Besides being able to get to know consumers' desires more deeply, you can also prevent feelings of loneliness.
3. Keep Investing
After entering retirement, you can still set aside some of your income and invest. By investing, you can earn passively. Make sure that you choose the type of investment that suits your needs and abilities.
For those of you who are planning to start a business and need additional capital, you can apply for reliable business capital financing to prepare your business for retirement. It is enough by guaranteeing the vehicle BPKB or house certificate, then you can get a loan to develop your business.
Also, make sure that you choose a loan provider that is registered with the OJK and provides the best service to support your retirement welfare.