If you and your husband is currently thought to plan for the child's education fund or pension fund, in what way do you prefer? Saving or investing?

Take for example, college tuition plan for a child in a period of 18 years. Because college costs are always rising due to inflation, you need to set aside Rp 3.5 to Rp 6 million per month in savings. This fee shall be excluded from your income and husband, outside of or other routine expenses. Try calculations, if you and your husband have this capability?

"Saving money is not sufficient because of inflation. The solution is an investment with long-term risk, over 10 years," said financial planner Ligwina Hananto, when the talk show "Mutual Funds: Know First Then Buy" tabloid Cash held some time ago.

Ligwina asserted, saving can be done for short-term needs, four years. For example for the preparation of the Kindergarten school. But when it comes to higher education, more funds are needed, taking into account the inflation rate every year.

"Inflation is the cost of kindergarten-high school education level could reach 20 percent per year. Inflation rate colleges rose an average of 15 percent per year. Even if there are schools that the inflation rate low, but remained higher tuition," explained Ligwina.

Inflation became the main consideration why investment into financial solutions kelaurga. This also applies to the preparation of the pension fund. Because if you rely on savings for retirement 25-35 years, it would require USD 75 million - USD 135 million per month. This amount is too large for savings, right? It was no ordinary employee salaries provide for this.

"If the age of 25 years, by investing USD 587 000 per month you prepare for retirement easier. For ages 35 years, you can invest Rp 2 million per month. They get the same return on investment target by 25 percent per year," said Ligwina, explain how the investment to provide financial solutions more ease and profitable than saving for retirement funds.

Investing is risky, but firm Ligwina, the risk of not investing is greater than the investment itself. The risk, he said, can not be 100 percent avoided but can be arranged. Because of the long-term risk, he added.

Investment is measurable, the goals, risks, and investment results. Therefore the purpose you want to invest is important. Set a goal now, make a careful financial planning, and select the right investments, if you do not want your money was worth in the future.