Ku do t\u00eb punonin m\u00eb mir\u00eb parat\u00eb e kursyera po t\u00eb investoheshin, n\u00eb asetizimin e nj\u00eb banese p\u00ebr qira apo si investim n\u00eb fond pensioni? N\u00eb k\u00ebt\u00eb shkrim do ta ilustrojm\u00eb t\u00eb qart\u00eb p\u00ebrgjigjen.
\nN\u00ebse nj\u00eb familje, apo individ, ka kursyer 7.5 milion\u00eb lek\u00eb dhe mendon si form\u00ebn m\u00eb t\u00eb mir\u00eb e m\u00eb t\u00eb leht\u00eb t\u00eb investimit blerjen e nj\u00eb apartamenti p\u00ebr ta dh\u00ebn\u00eb me qira, pas k\u00ebtij artikulli do t\u00eb duhet ta mendoj\u00eb edhe nj\u00eb her\u00eb zgjedhjen e tij. Apartamenti kushton rreth 15-20 milion\u00eb lek\u00eb, p\u00ebr t\u00eb plot\u00ebsuar diferenc\u00ebn mes shum\u00ebs s\u00eb kursyer dhe shum\u00ebs s\u00eb nevojshme nevojitet nj\u00eb financim bankar i konsideruesh\u00ebm, n\u00eb form\u00eb kredie. A \u00ebsht\u00eb kjo zgjedhja m\u00eb e mir\u00eb? T\u00eb k\u00ebrkuarit t\u00eb nj\u00eb financimi 7.5 milion\u00eb-12.5 milion\u00eb lek\u00eb investim p\u00ebr t\u00eb p\u00ebrfituar 30-40-50-60 mij\u00eb lek\u00eb qira si t\u00eb ardhura?<\/p>\n
Sigurime.Online, portali i specializuar n\u00eb lajmin e sigurimeve dhe t\u00eb risigurimeve n\u00eb vend, dha k\u00ebt\u00eb mesazh: N\u00ebse nuk ke nj\u00eb plan t\u00eb qart\u00eb biznesi dhe nuk d\u00ebshiron t\u00eb marr\u00ebsh nj\u00eb borxh t\u00eb madh, ekziston edhe nj\u00eb alternativ\u00eb tjet\u00ebr m\u00eb e mir\u00eb, t\u00eb investosh kursimet e tua n\u00eb nj\u00eb fond pensioni privat. Website-i radhiti edhe arsyet se pse ia vlen.<\/p>\n
N\u00ebse norma e kthimit t\u00eb investimit t\u00eb fondit t\u00eb pensioneve private SIGAL q\u00ebndron e pandryshuar p\u00ebr 10 vitet e ardhshme: rreth 4.5 %, me nj\u00eb performanc\u00eb q\u00eb ka d\u00ebshmuar p\u00ebrmir\u00ebsim t\u00eb pandalsh\u00ebm n\u00eb koh\u00eb, nj\u00eb shum\u00eb prej 7.5 milion\u00eb lek\u00ebsh do t\u00eb mund t\u00eb gjeneronte rreth 28\u201330 mij\u00eb lek\u00eb n\u00eb muaj, n\u00eb var\u00ebsi t\u00eb m\u00ebnyr\u00ebs s\u00eb pages\u00ebs dhe t\u00eb kushteve t\u00eb dakord\u00ebsuara mes klientit dhe fondit p\u00ebrmes nj\u00eb kontrate t\u00eb qart\u00eb dhe ligjore. K\u00ebtu \u00ebsht\u00eb ndryshimi me investimin n\u00eb nj\u00eb apartament. Me nj\u00eb investim financiar t\u00eb kursimeve n\u00eb Fondin e Pensioneve private SIGAL, k\u00ebto shqet\u00ebsime nuk ekzistojn\u00eb.<\/p>\n Tri arsye p\u00ebr ta menduar ndryshe investimin t\u00ebnd<\/strong><\/p>\n S\u00eb pari, <\/strong>potenciali p\u00ebr t\u00eb ardhura periodike S\u00eb dyti:<\/strong> kursimet mbeten kapitali yt, i patjet\u00ebrsuesh\u00ebm dhe i papreksh\u00ebm S\u00eb treti:<\/strong> mund ta lidh\u00ebsh kursimin me mbrojtjen sh\u00ebndet\u00ebsore, mbulime deri n\u00eb 1 milion\u00eb euro p\u00ebr sh\u00ebndetin t\u00ebnd. Prandaj investimi i kursimeve n\u00eb Fondin e Pensioneve SIGAL \u00ebsht\u00eb zgjidhje m\u00eb e zgjuar investimi se sa sforcoja p\u00ebr t\u00eb arritur nj\u00eb shum\u00eb financimi p\u00ebrmes kredis\u00eb, n\u00eb m\u00ebnyr\u00eb q\u00eb t\u00eb asetizohet nj\u00eb pron\u00eb n\u00eb tregun e qirave. N\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb ruhen t\u00eb paprekura parat\u00eb e tua dhe garanton \u00e7do t\u00eb papritur serioze t\u00eb sh\u00ebndetit, p\u00ebrfshir\u00eb edhe p\u00ebrballjet me s\u00ebmundje q\u00eb k\u00ebrkojn\u00eb shpenzime t\u00eb m\u00ebdha: s\u00ebmundjet tumorale, nevoj\u00eb p\u00ebr nd\u00ebrrim t\u00eb valvulave t\u00eb zemr\u00ebs, nevoj\u00eb p\u00ebr transpalante ose nd\u00ebrhyrje neurokirurgjike.<\/p>\n Fondi i Pensioneve SIGAL\u00a0<\/strong> <\/p>\n","protected":false},"excerpt":{"rendered":" Ku do t\u00eb punonin m\u00eb mir\u00eb parat\u00eb e kursyera po t\u00eb investoheshin, n\u00eb asetizimin e nj\u00eb banese p\u00ebr qira apo si investim n\u00eb fond pensioni? N\u00eb k\u00ebt\u00eb shkrim do ta ilustrojm\u00eb t\u00eb qart\u00eb p\u00ebrgjigjen. N\u00ebse nj\u00eb familje, apo individ, ka kursyer 7.5 milion\u00eb lek\u00eb dhe mendon si form\u00ebn m\u00eb t\u00eb mir\u00eb e m\u00eb t\u00eb leht\u00eb …<\/p>\n","protected":false},"author":4,"featured_media":153824,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"class_list":["post-153823","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/153823","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=153823"}],"version-history":[{"count":1,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/153823\/revisions"}],"predecessor-version":[{"id":153825,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/153823\/revisions\/153825"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/153824"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=153823"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=153823"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=153823"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nMe nj\u00eb apartament q\u00eb e jep me qira, t\u00eb ardhurat shoq\u00ebrohen me p\u00ebrgjegj\u00ebsi t\u00eb tjera:
\n–<\/strong>duhet t\u00eb gjesh qiramarr\u00ebs,
\n–<\/strong>duhet t\u00eb menaxhosh kontrat\u00ebn,
\n–<\/strong>duhet t\u00eb p\u00ebrballosh mir\u00ebmbajtjen,
\n-duhet t\u00eb planifikosh riparimet e nevojshme
\n–<\/strong>duhet ta rinovosh 2-3 her\u00eb n\u00eb harkun e nj\u00eb dekade
\n–<\/strong>duhet t\u00eb mendosh p\u00ebr periudhat kur apartamenti mund t\u00eb q\u00ebndroj\u00eb bosh,
\n–<\/strong>duhet t\u00eb paguash komisionet e nd\u00ebrmjet\u00ebsve
\n–<\/strong>duhet t\u00eb paguash k\u00ebstet bankare t\u00eb huas\u00eb p\u00ebr t\u00eb arritur shum\u00ebn e blerjes s\u00eb apartamentit
\n–<\/strong>duhet t\u00eb p\u00ebrllogarit\u00ebsh tatimin
\ntaksa vjetore e pron\u00ebs
\n–<\/strong>duhet ta sigurosh pron\u00ebn nga zjarri, t\u00ebrmeti dhe rreziqet e tjera
\nPastaj ka edhe faktor\u00eb t\u00eb tjer\u00eb, psikologjik\u00eb dhe shp\u00ebrq\u00ebndrues. Mund t\u00eb p\u00ebrballesh edhe me situata t\u00eb pak\u00ebndshme: qiramarr\u00ebs q\u00eb nuk paguajn\u00eb n\u00eb koh\u00eb, d\u00ebmtime t\u00eb pron\u00ebs ose v\u00ebshtir\u00ebsi n\u00eb lirimin e apartamentit. Vet\u00ebm n\u00eb dit\u00ebt e fundit n\u00eb emisionet humoristike-investigative t\u00eb mbr\u00ebmjeve n\u00eb televizionet e m\u00ebdha vendase jemi njohur me disa raste t\u00eb tilla.<\/p>\n
\nMe nj\u00eb norm\u00eb kthimi t\u00eb ngjashme me at\u00eb t\u00eb sotme, investimi prej 7.5 milion\u00eb lek\u00ebsh mund t\u00eb krijoj\u00eb nj\u00eb t\u00eb ardhur mujore t\u00eb konsiderueshme p\u00ebr nj\u00eb periudh\u00eb t\u00eb caktuar. 28-30 mij\u00eb lek\u00eb \u00e7do muaj p\u00ebr 10 vjet me norm\u00ebn e sotme. Kjo u aplikua mbi norm\u00ebn e tanishme t\u00eb kthimit, vet\u00ebm p\u00ebr efekt ilustrues; e cila, pse jo, nuk p\u00ebrjashtohet q\u00eb mund t\u00eb p\u00ebrmir\u00ebsohet.<\/p>\n
\nN\u00eb vend q\u00eb t\u00eb marr\u00ebsh nj\u00eb kredi t\u00eb madhe p\u00ebr t\u00eb bler\u00eb nj\u00eb apartament, ti p\u00ebrdor kapitalin q\u00eb tashm\u00eb ke krijuar. N\u00eb fund t\u00eb periudh\u00ebs s\u00eb investimit, sipas kushteve t\u00eb fondit, mund t\u00eb t\u00ebrheq\u00ebsh kapitalin e akumuluar. 7.5 milion\u00eb do t\u00eb jen\u00eb aty, t\u00eb tuat dhe t\u00eb paprekura, t\u00eb trash\u00ebgueshme e t\u00eb patjet\u00ebrsueshme.<\/p>\n
\nSIGAL ofron mund\u00ebsi p\u00ebr t\u00eb kombinuar investimin me mbrojtjen e sh\u00ebndetit, pasuris\u00eb m\u00eb t\u00eb \u00e7muar q\u00eb kemi. Investimi n\u00eb Fond mund t\u00eb kombinohet me sigurimin e s\u00ebmundjeve t\u00eb r\u00ebnda dhe trajtimeve me mbulim deri n\u00eb 1 milion\u00eb euro nga SIGAL Insurance Group, p\u00ebrmes produktit Jet\u00eb Plus Care.<\/p>\n
\n20 vjet m\u00eb par\u00eb, SIGAL u shfaq si pionere n\u00eb tregun e pensioneve private, duke krijuar mund\u00ebsi investimi vet\u00ebkapitalizuese. Sot, n\u00eb SIGAL paguhen mbi 35 milion\u00eb lek\u00eb pensione aktuale p\u00ebr qindra p\u00ebrfitues. Me mbi 19 mij\u00eb an\u00ebtar\u00eb Fondi administron mbi 40 milion\u00eb euro asete neto. Kontributet p\u00ebr pension privat deri n\u00eb 500 euro n\u00eb muaj i shmangen tatimit, nd\u00ebrsa fondet mbeten t\u00eb trash\u00ebgueshme dhe t\u00eb patjet\u00ebrsueshme. Interesohuni drejtp\u00ebrs\u00ebdrejti n\u00eb linkun e Fondit SIGAL: https:\/\/fondisigal.com.al\/.<\/p>\n