Ndryshimet e thella demografike t\u00eb dekad\u00ebs s\u00eb fundit t\u00eb reflektuara edhe n\u00eb t\u00eb dh\u00ebnat e censit t\u00eb popullsis\u00eb shqiptare, sipas ekspert\u00ebve financiar\u00eb rrezikojn\u00eb q\u00ebndrueshm\u00ebrin\u00eb e skem\u00ebs aktuale t\u00eb pensioneve publike.
\nP\u00ebr k\u00ebt\u00eb arsye n\u00eb Shqip\u00ebri po merr gjithnj\u00eb e m\u00eb shum\u00eb r\u00ebnd\u00ebsi kontributi n\u00eb pensionet private duke sjell\u00eb rritje t\u00eb interesit edhe p\u00ebr Fondin e Pensioneve SIGAL.
\nInvestimi n\u00eb pensione private po shihet si domosdoshm\u00ebri p\u00ebr familjet dhe individ\u00ebt q\u00eb synojn\u00eb nj\u00eb pension t\u00eb sigurt.
\nKjo duket nj\u00eb zgjidhje e men\u00e7ur, por n\u00eb m\u00ebnyr\u00eb q\u00eb zgjidhja t\u00eb jet\u00eb sa m\u00eb shum\u00eb fitimprur\u00ebse, ka disa \u00e7\u00ebshtje p\u00ebr t\u00eb cilat duhen pyetur ekspert\u00ebt e fondeve t\u00eb investimit dhe t\u00eb pensioneve.
\nZ. Edmond Ko\u00e7i, z\u00ebvend\u00ebsdrejtor i SIGAL Invest dhe drejtor rajonal i shitjeve thekson se fillimi i hersh\u00ebm i kontributeve \u00ebsht\u00eb nj\u00ebra nga \u00e7\u00ebshtjet thelb\u00ebsore q\u00eb duhet mbajtur mire parasysh. Kontributi i hersh\u00ebm ofron avantazhe t\u00eb m\u00ebdha pasi lejon investime afatgjata me kontribute fillestare t\u00eb vogla q\u00eb rriten gradualisht me kalimin e viteve.
\n\u201cKjo ndihmon n\u00eb rritjen e performanc\u00ebs p\u00ebr pensionin t\u00ebnd n\u00eb pensionin e mosh\u00ebs s\u00eb pleq\u00ebris\u00eb. Sepse fakti q\u00eb e ke nisur n\u00eb nj\u00eb mosh\u00eb t\u00eb hershme krijon mund\u00ebsin\u00eb q\u00eb t\u00eb kesh shum\u00eb vite p\u00ebr t\u00eb investuar. Nj\u00eb investim q\u00eb zgjat 30-40 vjet t\u00eb jep mund\u00ebsin\u00eb t\u00eb kesh nj\u00eb pension t\u00eb mjaftuesh\u00ebm n\u00eb mosh\u00ebn e pleq\u00ebris\u00eb\u201d, tha z. Ko\u00e7i i pyetur nga kamerat e Top News.
\nKoha kur nis investimi n\u00eb pensionin privat \u00ebsht\u00eb shum\u00eb e r\u00ebnd\u00ebsishme sepse interesi i p\u00ebrb\u00ebr\u00eb b\u00ebn q\u00eb fitimi i krijuar t\u2019i shtohet kapitalit dhe t\u00eb gjeneroj\u00eb fitim t\u00eb ri me kalimin e viteve.
\nPo aq e r\u00ebnd\u00ebsishme \u00ebsht\u00eb edhe zgjedhja e fondit t\u00eb duhur q\u00eb garanton siguri dhe rezultate m\u00eb t\u00eb mira p\u00ebr investitorin. T\u00eb zgjedh\u00ebsh fondin e duhur p\u00ebr t\u00eb investuar pensionin t\u00ebnd \u00ebsht\u00eb nj\u00eb tjet\u00ebr \u00e7el\u00ebs suksesi.
\n\u201cInvestimi n\u00eb Fondin e Pensionit Privat SIGAL jep shum\u00eb avantazhe p\u00ebr an\u00ebtar\u00ebt e tij. Fondet q\u00eb ne akumulojm\u00eb investohen dhe investohen me nj\u00eb norm\u00eb kthimi rreth 4.5% q\u00eb \u00ebsht\u00eb nj\u00eb norm\u00eb shum\u00eb e k\u00ebnaqshme krahasimisht edhe me investimet e tjera q\u00eb mund t\u00eb ket\u00eb n\u00eb tregun e investimeve. Marrja e nj\u00eb vendimi p\u00ebr t\u00eb investuar n\u00eb nj\u00eb fond pensioni privat \u00ebsht\u00eb nj\u00eb investim shum\u00eb i mir\u00eb sidomos p\u00ebr individ\u00ebt q\u00eb jan\u00eb n\u00eb nj\u00eb mosh\u00eb t\u00eb re \u00ebsht\u00eb avantazh shum\u00eb i mir\u00eb q\u00eb kan\u00eb shum\u00eb koh\u00eb p\u00ebr t\u00eb investuar\u201d, shtoi z. Ko\u00e7i n\u00eb k\u00ebt\u00eb prononcim p\u00ebr median.
\nTrash\u00ebgueshm\u00ebria dhe paprekshm\u00ebria e k\u00ebtyre fondeve jan\u00eb dy garanci q\u00eb duhet ta nxisin \u00e7do t\u00eb ri t\u00eb an\u00ebtar\u00ebsohet n\u00eb k\u00ebto fonde.
\n\u201cT\u00eb gjitha asetet jan\u00eb t\u00eb trash\u00ebgueshme. Ato nuk humbasin, shkojn\u00eb te familjar\u00ebt. Gjithashtu asetet, q\u00eb ka nj\u00eb individ n\u00eb fondin e pensionit privat jan\u00eb pron\u00eb e patjet\u00ebrsueshme. Ato nuk mund t\u00eb bllokohen nga pal\u00ebt e treta n\u00ebse individi ka probleme financiare. Jan\u00eb fonde t\u00eb dedikuara p\u00ebr mosh\u00ebn e pleq\u00ebris\u00eb dhe jan\u00eb t\u00eb mbrojtura me ligj.\u201d
\nP\u00ebrmes investimit n\u00eb nj\u00eb fond privat pensioni, ligj\u00ebrisht individ\u00ebt p\u00ebrfitojn\u00eb leht\u00ebsira fiskale, \u00e7do pages\u00eb q\u00eb b\u00ebhet nga paga p\u00ebr fondin privat i zbritet nga paga p\u00ebr efekt t\u00eb tatimit mbi t\u00eb ardhurat. Ky p\u00ebrjashtim ka vler\u00eb deri n\u00eb 600,000 ALL n\u00eb vit pas rritjes s\u00eb pages minimale prej 50.000 lek\u00eb. Edhe kompanit\u00eb mund t\u00eb krijojn\u00eb fonde pensioni p\u00ebr stafin e tyre dhe \u00e7do shpenzim i b\u00ebr\u00eb p\u00ebr k\u00ebt\u00eb q\u00ebllim u zbritet nga tatimi.
\nVlera e aseteve neto t\u00eb nj\u00eb fondi \u00ebsht\u00eb tregues p\u00ebr q\u00ebndrueshm\u00ebrin\u00eb dhe garancit\u00eb financiare. Sipas raportit t\u00eb fundshtatorit t\u00eb AMF-s\u00eb p\u00ebr tregjet e pensioneve private SIGAL Pensione zot\u00ebron v\u00ebllimin m\u00eb t\u00eb lart\u00eb t\u00eb tregut thuajse 38 milion\u00eb euro asete neto af\u00ebrsisht 38% t\u00eb totalit t\u00eb t\u00eb gjith\u00eb tregut t\u00eb pensioneve private n\u00eb vend.
\nNj\u00eb tjet\u00ebr garanci p\u00ebr kontribuesit \u00ebsht\u00eb se Fondi i Pensioneve SIGAL \u00ebsht\u00eb pjes\u00eb e SIGAL Insurance Group kompanis\u00eb m\u00eb t\u00eb madhe t\u00eb sigurimeve n\u00eb rajonin Shqip\u00ebri Kosov\u00eb dhe Maqedoni e Veriut.<\/p>\n