{"id":103281,"date":"2025-02-03T17:41:50","date_gmt":"2025-02-03T17:41:50","guid":{"rendered":"https:\/\/rdnews.al\/?p=103281"},"modified":"2025-02-03T17:41:50","modified_gmt":"2025-02-03T17:41:50","slug":"kolona-e-dyte-e-pensioneve-si-perfitojne-qytetaret","status":"publish","type":"post","link":"https:\/\/rdnews.al\/index.php\/2025\/02\/03\/kolona-e-dyte-e-pensioneve-si-perfitojne-qytetaret\/","title":{"rendered":"KOLONA E DYT\u00cb E PENSIONEVE: SI P\u00cbRFITOJN\u00cb QYTETAR\u00cbT?"},"content":{"rendered":"<p>Sistemi i pensioneve n\u00eb Europ\u00eb bazohet n\u00eb nj\u00eb koncept t\u00eb thjesht\u00eb, por shum\u00eb efektiv: diversifikimin e burimeve t\u00eb ardhurave n\u00eb pleq\u00ebri. Ndryshe nga modeli tradicional, ku pensionist\u00ebt varen vet\u00ebm nga pensioni shtet\u00ebror, shumica e vendeve europiane kan\u00eb adoptuar nj\u00eb sistem me tre shtylla:<\/p>\n<p>1.Pensioni shtet\u00ebror, i financuar nga kontributet e detyrueshme t\u00eb punonj\u00ebsve dhe pun\u00ebdh\u00ebn\u00ebsve.<\/p>\n<p><strong>2.Pensioni i pun\u00ebsimit (Kolona e Dyt\u00eb),<\/strong> ku nj\u00eb p\u00ebrqindje e taksave t\u00eb paguara p\u00ebr pension nga pun\u00ebdh\u00ebn\u00ebsi dhe punonj\u00ebsi n\u00eb shtet, investohet n\u00eb nj\u00eb fond privat t\u00eb menaxhuar.<\/p>\n<p>3.Pensionet private dhe kursimet personale, ku \u00e7do qytetar mund t\u00eb investoj\u00eb n\u00eb fonde t\u00eb ndryshme p\u00ebr t\u00eb siguruar nj\u00eb t\u00eb ardhme m\u00eb t\u00eb mir\u00eb financiare.<\/p>\n<p><strong>\u00c7far\u00eb \u00ebsht\u00eb Kolona e Dyt\u00eb dhe Pse \u00ebsht\u00eb e Dobishme p\u00ebr Qytetar\u00ebt?<\/strong><\/p>\n<p>Kolona e Dyt\u00eb \u00ebsht\u00eb mekanizmi q\u00eb i lejon qytetar\u00ebt t\u00eb marrin nj\u00eb pjes\u00eb t\u00eb taksave q\u00eb paguajn\u00eb p\u00ebr pensionin shtet\u00ebror dhe t\u2019i investojn\u00eb n\u00eb nj\u00eb fond privat.<\/p>\n<p>Kjo ka disa avantazhe t\u00eb r\u00ebnd\u00ebsishme:<\/p>\n<ul>\n<li><u>M\u00eb shum\u00eb transparenc\u00eb dhe siguri<\/u> \u2013 Qytetar\u00ebt nuk varen vet\u00ebm nga buxheti i shtetit dhe ndryshimet politike, por kan\u00eb nj\u00eb llogari personale pensioni q\u00eb \u00ebsht\u00eb e tyre dhe nuk mund t\u00eb preket nga shteti.<\/li>\n<li><u>Investimi i detyruesh\u00ebm n\u00eb emrin e pun\u00ebmarr\u00ebsit<\/u> \u2013 Nj\u00eb p\u00ebrqindje e kontributeve t\u00eb pensionit nuk shkon vet\u00ebm p\u00ebr skem\u00ebn shtet\u00ebrore, por investohet direkt n\u00eb nj\u00eb fond privat q\u00eb i p\u00ebrket qytetarit.<\/li>\n<li><u>P\u00ebrfitim m\u00eb i lart\u00eb n\u00eb pleq\u00ebri<\/u> \u2013 N\u00eb vend q\u00eb t\u00eb mb\u00ebshtetesh vet\u00ebm n\u00eb nj\u00eb pension t\u00eb ul\u00ebt nga shteti, Kolona e Dyt\u00eb siguron nj\u00eb t\u00eb ardhur shtes\u00eb n\u00eb pleq\u00ebri.<\/li>\n<li><u>Taksat q\u00eb kthehen n\u00eb p\u00ebrfitime direkte<\/u> \u2013 P\u00ebr her\u00eb t\u00eb par\u00eb, qytetar\u00ebt nuk paguajn\u00eb thjesht taksa p\u00ebr pensionin, por i marrin mbrapsht nj\u00eb pjes\u00eb t\u00eb tyre n\u00eb form\u00ebn e nj\u00eb llogarie pensioni.<\/li>\n<\/ul>\n<p>N\u00eb shum\u00eb vende evropiane, marrin tre pagesa:<\/p>\n<p><strong>1\ufe0f<\/strong><strong>.<\/strong> <strong>Pensioni baz\u00eb nga shteti<\/strong> \u2013 I garantuar p\u00ebr t\u00eb gjith\u00eb qytetar\u00ebt n\u00eb baz\u00eb t\u00eb viteve t\u00eb pun\u00ebs.<\/p>\n<p><strong>2\ufe0f<\/strong><strong>. <\/strong><strong>Pensioni nga pun\u00ebsimi (Kolona e Dyt\u00eb)<\/strong> \u2013 Nj\u00eb p\u00ebrqindje e taksave t\u00eb paguara p\u00ebr pension \u00ebsht\u00eb investuar n\u00eb nj\u00eb fond privat dhe kthehet si pension shtes\u00eb.<\/p>\n<p><strong>3\ufe0f<\/strong><strong>. <\/strong><strong>Pensioni nga kursimet private vullnetare<\/strong> \u2013 \u00c7do qytetar ka mund\u00ebsin\u00eb t\u00eb kontribuoj\u00eb vet\u00eb n\u00eb nj\u00eb fond pensioni privat p\u00ebr t\u00eb pasur m\u00eb shum\u00eb t\u00eb ardhura n\u00eb pleq\u00ebri.<\/p>\n<p>N\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb, qytetar\u00ebt evropian\u00eb kan\u00eb nj\u00eb pension m\u00eb t\u00eb lart\u00eb jo sepse shteti paguan m\u00eb shum\u00eb, por sepse sistemi \u00ebsht\u00eb nd\u00ebrtuar p\u00ebr t\u00eb diversifikuar burimet e t\u00eb ardhurave n\u00eb pleq\u00ebri.<\/p>\n<p><u>A \u00ebsht\u00eb e drejt\u00eb q\u00eb taksat p\u00ebr pension t\u00eb investohen p\u00ebr t\u00eb ardhmen e individit?<\/u><\/p>\n<p>Po! Kolona e Dyt\u00eb \u00ebsht\u00eb i vetmi mekaniz\u00ebm n\u00eb Evrop\u00eb ku nj\u00eb pjes\u00eb e taksave q\u00eb paguan \u00e7do qytetar p\u00ebr pensionin shtet\u00ebror i kthehet mbrapsht n\u00eb llogarin\u00eb e tij t\u00eb pensionit privat. Ky \u00ebsht\u00eb nj\u00eb avantazh i madh, sepse parat\u00eb nuk p\u00ebrdoren vet\u00ebm p\u00ebr pagesat e pensionist\u00ebve t\u00eb sot\u00ebm, por ruhen dhe investohen p\u00ebr pensionist\u00ebt e ardhsh\u00ebm.<\/p>\n<p>N\u00ebse ky sistem do t\u00eb funksiononte si\u00e7 duhet, \u00e7do qytetar do t\u00eb dinte sakt\u00ebsisht sa ka kontribuar dhe sa ka fituar nga investimet e pensionit. N\u00eb fund t\u00eb karrier\u00ebs, ai do t\u00eb merrte nj\u00eb pension nga shteti dhe nj\u00eb pension shtes\u00eb nga fondi i tij i menaxhuar privatisht.<\/p>\n<p><strong>Pse qytetar\u00ebve i duhet Kolona e Dyt\u00eb?<\/strong><\/p>\n<p>\u2705 <u>P\u00ebr m\u00eb shum\u00eb siguri financiare<\/u> \u2013 Nj\u00eb pension m\u00eb i lart\u00eb dhe m\u00eb i garantuar n\u00eb pleq\u00ebri.<\/p>\n<p>\u2705 <u>P\u00ebr m\u00eb shum\u00eb transparenc\u00eb<\/u> \u2013 \u00c7do qytetar ka nj\u00eb llogari personale pensioni q\u00eb \u00ebsht\u00eb e tij dhe nuk mund t\u00eb preket nga qeverit\u00eb.<\/p>\n<p>\u2705 <u>P\u00ebr t\u00eb qen\u00eb n\u00eb nj\u00eb linj\u00eb me sistemet m\u00eb t\u00eb mira n\u00eb Evrop\u00eb<\/u> \u2013 Diversifikimi i t\u00eb ardhurave n\u00eb pleq\u00ebri \u00ebsht\u00eb nj\u00eb model i d\u00ebshmuar q\u00eb funksionon.<\/p>\n<p>P\u00ebr ta p\u00ebrmbyllur, Kolona e Dyt\u00eb nuk \u00ebsht\u00eb thjesht nj\u00eb reform\u00eb pensioni \u2013 \u00ebsht\u00eb nj\u00eb ndryshim paradigme, ku qytetari nuk \u00ebsht\u00eb m\u00eb thjesht nj\u00eb kontribuues, por nj\u00eb investitor n\u00eb t\u00eb ardhmen e tij. N\u00eb vend q\u00eb t\u00eb mb\u00ebshtetet vet\u00ebm n\u00eb premtimet e shtetit, ai ka kontroll m\u00eb t\u00eb madh mbi t\u00eb ardhurat e tij n\u00eb pleq\u00ebri dhe p\u00ebrfiton drejtp\u00ebrdrejt nga kontributet q\u00eb b\u00ebn.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sistemi i pensioneve n\u00eb Europ\u00eb bazohet n\u00eb nj\u00eb koncept t\u00eb thjesht\u00eb, por shum\u00eb efektiv: diversifikimin e burimeve t\u00eb ardhurave n\u00eb pleq\u00ebri. Ndryshe nga modeli tradicional, ku pensionist\u00ebt varen vet\u00ebm nga pensioni shtet\u00ebror, shumica e vendeve europiane kan\u00eb adoptuar nj\u00eb sistem me tre shtylla: 1.Pensioni shtet\u00ebror, i financuar nga kontributet e detyrueshme t\u00eb punonj\u00ebsve dhe pun\u00ebdh\u00ebn\u00ebsve. &hellip;<\/p>\n","protected":false},"author":4,"featured_media":103282,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44],"tags":[],"class_list":["post-103281","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-editorial"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/103281","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/comments?post=103281"}],"version-history":[{"count":1,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/103281\/revisions"}],"predecessor-version":[{"id":103283,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/103281\/revisions\/103283"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/103282"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=103281"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=103281"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=103281"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}