{"id":3920,"date":"2025-07-12T22:50:33","date_gmt":"2025-07-12T22:50:33","guid":{"rendered":"https:\/\/independennews.id\/?p=3920"},"modified":"2025-07-12T22:50:33","modified_gmt":"2025-07-12T22:50:33","slug":"ahli-keuangan-peringatkan-jangan-timbun-uang-tunai-di-rekening-bisa-rugi","status":"publish","type":"post","link":"https:\/\/independennews.id\/?p=3920","title":{"rendered":"Ahli Keuangan Peringatkan: Jangan Timbun Uang Tunai di Rekening, Bisa Rugi!"},"content":{"rendered":"\n<p class=\"p1\">Jakarta, <em>independennews.id <\/em>\u2014 <strong>Di tengah kondisi ekonomi global yang tidak menentu, banyak orang tergoda untuk menumpuk uang tunai dalam rekening sebagai bentuk keamanan finansial. Ungkapan populer \u201ccash is king\u201d kerap dijadikan alasan utama. Namun, para ahli keuangan justru memperingatkan bahwa menimbun terlalu banyak uang tunai di rekening bank bisa membawa kerugian dalam jangka panjang.<\/strong><\/p>\n\n\n\n<p class=\"p1\">Jessica Goedtel, perencana keuangan bersertifikat asal Pennsylvania, menekankan bahwa rekening tabungan tidak selalu memiliki perlindungan seperti kartu kredit jika terjadi pembobolan.<\/p>\n\n\n\n<p class=\"p1\">\u201cRekening tabungan sering kali tidak memiliki perlindungan seperti kartu kredit. Artinya, dana akan lebih sulit dikembalikan jika rekening dibobol,\u201d ujar Jessica kepada CNBC Make It, dikutip Sabtu (12\/7\/2025).<\/p>\n\n\n\n<p class=\"p1\">Hal senada juga disampaikan Gregory Guenther, konselor perencanaan pensiun berlisensi di New Jersey. Ia menyarankan masyarakat hanya menyimpan dana secukupnya di rekening bank, cukup untuk menutup kebutuhan selama satu hingga dua minggu.<\/p>\n\n\n\n<p class=\"p1\">\u201cJika terlalu sedikit, Anda akan cemas setiap kali menggunakan kartu. Tapi jika terlalu banyak, Anda kehilangan potensi pertumbuhan dari akun dengan imbal hasil lebih tinggi,\u201d jelas Gregory.<\/p>\n\n\n\n<p class=\"p1\">Lebih lanjut, para ahli menegaskan bahwa menyimpan dana tunai dalam rekening bukanlah pengganti dana darurat. Dana darurat sebaiknya disimpan secara terpisah, dalam instrumen keuangan berbunga tinggi yang tetap mudah diakses \u2014 seperti rekening tabungan berbunga tinggi \u2014 guna mengantisipasi kebutuhan mendesak seperti biaya medis atau kehilangan pekerjaan.<\/p>\n\n\n\n<p class=\"p1\">Idealnya, dana darurat yang disiapkan bernilai setara dengan tiga hingga enam bulan pengeluaran. Strategi ini tidak hanya memberikan rasa aman, tetapi juga menjaga daya beli uang dari ancaman inflasi.<\/p>\n\n\n\n<p class=\"p1\">Jadi, meskipun memiliki dana likuid tetap penting, para ahli menyarankan masyarakat untuk lebih bijak dalam menempatkan uangnya agar tidak kehilangan potensi pertumbuhan kekayaan dan tetap terlindungi dari risiko yang tidak diinginkan. (Rid)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jakarta, independennews.id \u2014 Di tengah kondisi ekonomi global yang tidak menentu, banyak orang tergoda untuk menumpuk uang tunai dalam rekening sebagai bentuk keamanan finansial. Ungkapan populer \u201ccash is king\u201d kerap dijadikan alasan utama. Namun, para ahli keuangan justru memperingatkan bahwa menimbun terlalu banyak uang tunai di rekening bank bisa membawa kerugian dalam jangka panjang. Jessica [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3919,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-3920","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi-bisnis"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ahli Keuangan Peringatkan: Jangan Timbun Uang Tunai di Rekening, Bisa Rugi! - independennews.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/independennews.id\/?p=3920\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ahli Keuangan Peringatkan: Jangan Timbun Uang Tunai di Rekening, Bisa Rugi! - independennews.id\" \/>\n<meta property=\"og:description\" content=\"Jakarta, independennews.id \u2014 Di tengah kondisi ekonomi global yang tidak menentu, banyak orang tergoda untuk menumpuk uang tunai dalam rekening sebagai bentuk keamanan finansial. Ungkapan populer \u201ccash is king\u201d kerap dijadikan alasan utama. Namun, para ahli keuangan justru memperingatkan bahwa menimbun terlalu banyak uang tunai di rekening bank bisa membawa kerugian dalam jangka panjang. 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