\u201cSistemi privat i pensioneve ka k\u00ebto avantazhe:<\/em><\/p>\n Sa duhet t\u00eb paguaj?<\/strong><\/p>\n \u201cSa t\u00eb d\u00ebshironi. Shuma minimale e kontributit fillon nga 1\u2019000 lek\u00eb n\u00eb muaj. Sa m\u00eb her\u00ebt t\u00eb filloj\u00eb kontributi aq m\u00eb i mir\u00eb \u00ebsht\u00eb investimi dhe si rrjedhoj\u00eb edhe p\u00ebrfitimi n\u00eb mosh\u00ebn e pensionit.<\/em><\/p>\n Ajo q\u00eb ne propozojm\u00eb \u00ebsht\u00eb gjithmon\u00eb n\u00eb var\u00ebsi t\u00eb t\u00eb ardhurave q\u00eb individi ka dhe mosh\u00ebn e k\u00ebshillojm\u00eb se kur ai duhet t\u00eb nis\u00eb investimin dhe shumat mujore q\u00eb duhet t\u00eb paguaj.<\/em><\/p>\n Me ndryshimet e reja ligjore kontributi mujor, i njohur si shpenzim i zbritsh\u00ebm tashm\u00eb \u00ebsht\u00eb\u00a0 rritur\u00a0 deri 40,000 lek\u00eb n\u00eb muaj dhe p\u00ebr nivele pagash t\u00eb cilat kalojn\u00eb ne taksimin e t\u00eb ardhurave personale 23%\u00a0 \u00ebsht\u00eb nj\u00eb p\u00ebrfitim i mir\u00eb n\u00ebse k\u00ebt\u00eb vler\u00eb mujore e kalojn\u00eb n\u00eb llogarine e tyre t\u00eb pensionit privat.<\/em><\/p>\n Sepse n\u00eb k\u00ebt\u00eb form\u00eb do paguajn\u00eb tatim m\u00eb pak dhe n\u00eb ndryshim nga ligji i vjet\u00ebr, i cili tatimin q\u00eb nuk e kishe paguar gjat\u00eb investimit ta mbante n\u00eb fund, kur merrje pensionin, tashm\u00eb nuk e paguan m\u00eb k\u00ebt\u00eb tatim n\u00ebse fondet i merr n\u00eb forme pensioni mujor p\u00ebr t\u00eb pakt\u00ebn 2 vite<\/em>\u201d, vijon Ko\u00e7i.<\/p>\n N\u00eb fillim t\u00eb muajit n\u00ebntor hyri n\u00eb fuqi Ligji p\u00ebr \u201cP\u00ebr fondet e pensionit privat\u201d. Ky ligj, p\u00ebrmir\u00ebson baz\u00ebn ligjore t\u00eb tregut t\u00eb fondeve t\u00eb pensioneve private, duke e p\u00ebrafruar at\u00eb me Direktivat Europiane.<\/p>\n Nd\u00ebr synimet kryesore t\u00eb k\u00ebtij ligji jan\u00eb; mbrojtja e interesave t\u00eb an\u00ebtar\u00ebve, si edhe nxitja e pjes\u00ebmarrjes n\u00eb skem\u00ebn e pensionit privat.<\/p>\n P\u00ebr t\u00eb m\u00ebsuar m\u00eb shum\u00eb mbi benefitet dhe leht\u00ebsirat q\u00eb sjell ky ligj, ne intervistuam znj.Livja Gjika, juriste e \u201cSIGAL Pension\u201d.<\/p>\n \u201cLigji i ri, p\u00ebrve\u00e7 se sjell rritje t\u00eb ndjeshme t\u00eb incentivave fiskale p\u00ebr an\u00ebtar\u00ebt q\u00eb kan\u00eb zgjedhur t\u00eb kontribuojn\u00eb n\u00eb fondet e pensionit privat, i ka vendosur shoq\u00ebrive administruese k\u00ebrkesa m\u00eb t\u00eb larta p\u00ebr transparenc\u00eb ndaj an\u00ebtar\u00ebve t\u00eb tyre. <\/em><\/p>\n Ligji n\u00eb fjal\u00eb rregullon edhe marketingun dhe veprimtarin\u00eb promovuese t\u00eb fondeve t\u00eb pensionit privat, duke i b\u00ebr\u00eb k\u00ebto fonde m\u00eb shum\u00eb t\u00eb prekshme p\u00ebr individ\u00ebt dhe pun\u00ebdh\u00ebn\u00ebsit q\u00eb duan t\u00eb kontribuojn\u00eb p\u00ebr pun\u00ebmarr\u00ebsit e tyre.<\/em><\/p>\n Ky ligji sjell p\u00ebr her\u00eb t\u00eb par\u00eb edhe nj\u00eb form\u00eb t\u00eb re t\u00eb fondit privat t\u00eb pensionit, si\u00e7 jan\u00eb fondet me pjes\u00ebmarrje t\u00eb mbyllur. Th\u00ebn\u00eb ndryshe Fondi i pensionit profesional i krijuar nga nj\u00eb pun\u00ebdh\u00ebn\u00ebs, disa pun\u00ebdh\u00ebn\u00ebs ose nj\u00eb entitet i organizuar si bashkim pun\u00ebdh\u00ebn\u00ebsish, sindikat\u00eb apo bashkime sindikatash, shoqat\u00eb apo \u00e7do kombinim i tyre sipas nj\u00eb akt krijimi ose marr\u00ebveshjeje t\u00eb r\u00ebn\u00eb dakord midis tyre\u201d, <\/em>shprehet Gjika.<\/em><\/p>\n https:\/\/www.youtube.com\/watch?v=LgnYwp7oPWw<\/a><\/p>\n Autoriteti i Mbikqyrjes Financiare publikoi pak dit\u00eb m\u00eb par\u00eb t\u00eb dh\u00ebnat mbi tregun e pensioneve private n\u00eb Shqip\u00ebri p\u00ebr periudh\u00ebn janar-shtator 2023.<\/p>\n Sipas AMF, pes\u00eb fondet e pensionit privat q\u00eb funksionojn\u00eb n\u00eb Shqip\u00ebri zot\u00ebronin s\u00eb bashkunj\u00eb total asetesh neto prej 60.8 milion\u00eb eurosh, me \u201cSIGAL Pension\u201d e para n\u00eb treg me 42% t\u00eb totalit.<\/p>\n Do t\u00eb vij\u00eb nj\u00eb dit\u00eb kur ne t\u00eb gjith\u00eb do t\u00eb kemi nevoj\u00eb p\u00ebr pension gjat\u00eb pleq\u00ebris\u00eb. Duke kursyer q\u00eb n\u00eb rini dhe p\u00ebrgjat\u00eb gjith\u00eb koh\u00ebs q\u00eb jemi n\u00eb pun\u00eb, mund t\u2019i sigurojm\u00eb vetes t\u00eb ardhura shtes\u00eb gjat\u00eb pleq\u00ebris\u00eb e k\u00ebshtu nuk i b\u00ebhemi barr\u00eb f\u00ebmij\u00ebve apo familjar\u00ebve t\u00eb tjer\u00eb. Ndaj mos pyesni m\u00eb n\u00ebse ju nevojitet apo jo nj\u00eb pension privat.<\/p>\n Mendoni sot p\u00ebr pleq\u00ebrin\u00eb tuaj. Sigurojini vetes nj\u00eb pension t\u00eb dyt\u00eb me \u201cSIGAL PENSION\u201d.<\/p>\n SIGAL PENSION, E ARDHMJA JON\u00cb S\u00cb BASHKU<\/strong><\/p>\n\n
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