{"id":83314,"date":"2024-06-27T16:01:43","date_gmt":"2024-06-27T16:01:43","guid":{"rendered":"https:\/\/rdnews.al\/?p=83314"},"modified":"2024-06-27T16:10:20","modified_gmt":"2024-06-27T16:10:20","slug":"skema-publike-e-pensioneve-ka-probleme-sigurohuni-tek-privati-sa-nuk-eshte-vone-ish-ministri-keshillon-qytetaret","status":"publish","type":"post","link":"https:\/\/rdnews.al\/index.php\/2024\/06\/27\/skema-publike-e-pensioneve-ka-probleme-sigurohuni-tek-privati-sa-nuk-eshte-vone-ish-ministri-keshillon-qytetaret\/","title":{"rendered":"\u201cSkema publike e pensioneve ka probleme: Sigurohuni tek privati sa nuk \u00ebsht\u00eb von\u00eb\u201d! Ish-ministri k\u00ebshillon qytetar\u00ebt"},"content":{"rendered":"

\"\"<\/em><\/p>\n

\u201cDo ta rekomandoja t\u00eb mendoje dhe skem\u00ebn e pensionit privat sa nuk je von\u00eb. Skema publike nuk do t\u00eb ket\u00eb mund\u00ebsi edhe p\u00ebr shkak t\u00eb 100 faktor\u00ebve\u201d.<\/em><\/p>\n

K\u00ebt\u00eb p\u00ebrgjigje n\u00eb \u201cDitar\u201d, n\u00eb A2 CNN, ish-ministri i Financave Arben Malaj, kur u pyet n\u00ebse kjo skem\u00eb aktuale garanton pensionin p\u00ebr t\u00eb gjith\u00eb t\u00eb pun\u00ebsuarit e sot\u00ebm.<\/p>\n

\u201cPensioni privat shikohet si suplementar, skema publike do t\u00eb funksionoj\u00eb se e garanton shteti<\/em>\u201d, shtoi ai.<\/p>\n

P\u00ebrmes kalkulimit t\u00eb shifrave, Malaj tregoi problemet e k\u00ebsaj skeme t\u00eb pensioneve, q\u00eb sipas tij \u00ebsht\u00eb deficitare.<\/p>\n

\u201cSkema ka probleme \u00ebsht\u00eb deficitare. Shqet\u00ebsimi yn\u00eb \u00ebsht\u00eb q\u00eb deficiti \u00ebsht\u00eb shum\u00eb i madh. Deficiti i skem\u00ebs s\u00eb sigurimeve sh\u00ebndet\u00ebsore dhe shoq\u00ebrore ishte sa 70% e investimeve t\u00eb brendshme t\u00eb Shqip\u00ebris\u00eb 1.58 her\u00eb m\u00eb shum\u00eb se investimet e huaja. K\u00ebto para na reduktojn\u00eb para p\u00ebr politika sociale dhe prioritetet e zhvillimit t\u00eb q\u00ebndruesh\u00ebm. Sot bota e ka v\u00ebn\u00eb theksin te kohezioni social\u201d.<\/em><\/p>\n

Ai tha se Banka Bot\u00ebrore \u00ebsht\u00eb duke p\u00ebrgatitur nj\u00eb skem\u00eb t\u00eb re pensionesh p\u00ebr Shqip\u00ebrin\u00eb.<\/p>\n

\u201cKa premisa pozitive se po rriten t\u00eb ardhurat p\u00ebr t\u00eb patur nj\u00eb mb\u00ebshtetje m\u00eb t\u00eb mir\u00eb. A do jet\u00eb e plot\u00eb? Nuk e them dot. BB po b\u00ebn studim tjet\u00ebr p\u00ebr skem\u00ebn e pensioneve n\u00eb Shqip\u00ebri. Skema\u00a0 e par\u00eb synoi mosh\u00ebn e pensioneve dhe rritjen e\u00a0 viteve t\u00eb pun\u00ebs. Ka rezultuar q\u00eb nga viti 2025 q\u00eb\u00a0 k\u00ebrkesa p\u00ebr sa m\u00eb shum\u00eb vite pune dhe n\u00eb kushtet kur arshivat jan\u00eb problematike dhe t\u00eb tmerrshme p\u00ebr t\u00eb gjetur vitet e pun\u00ebs, rriti numrin e pensionist\u00ebve me pension t\u00eb pjessh\u00ebm dhe i b\u00ebri m\u00eb t\u00eb varf\u00ebr. N\u00ebse qeveria bie dakord p\u00ebr k\u00ebt\u00eb skem\u00eb disa element\u00eb t\u00eb skem\u00ebs mund t\u00eb japin efekt. P\u00ebrsa u p\u00ebrket skemave suplementare te pensioneve nuk kemi pasur kultur\u00eb t\u00eb sigurojm\u00eb vet\u00eb vetveten\u201d.<\/em><\/p>\n

\u00c7FAR\u00cb \u00cbSHT\u00cb PENSIONI PRIVAT?<\/strong><\/p>\n

Nj\u00eb fond pensioni privat mund\u00ebson q\u00eb parat\u00eb q\u00eb ke kursyer gjat\u00eb viteve, duke i investuar aty, t\u00eb t\u00eb kthehen si nj\u00eb pages\u00eb pensionit shtes\u00eb, s\u00eb bashku me interesat e fituar p\u00ebrgjat\u00eb viteve t\u00eb kontributit n\u00eb fond.<\/p>\n

Th\u00ebn\u00eb m\u00eb thjesht\u00eb, ai investim i vog\u00ebl, i p\u00ebrmuajsh\u00ebm q\u00eb ju mund t\u00eb b\u00ebni n\u00eb fond pensioni, do t\u2019ju kthehet n\u00eb nj\u00eb siguri t\u00eb shtuar p\u00ebrgjat\u00eb viteve q\u00eb do t\u00eb keni m\u00eb shum\u00eb nevoj\u00eb p\u00ebr t\u00eb ardhura plot\u00ebsuese, q\u00eb \u00ebsht\u00eb mosha e pensionit.<\/p>\n

N\u00eb dallim nga pensioni shtet\u00ebror, pensioni privat ofron m\u00eb shum\u00eb fleksibilitet n\u00eb kontribute dhe n\u00eb rast fatkeq\u00ebsie shumat e pat\u00ebrhequra kalojn\u00eb automatikisht tek trash\u00ebgimtar\u00ebt.<\/p>\n

An\u00ebtar\u00ebt e nj\u00eb fondi pensioni jan\u00eb pronar\u00ebt e tij sepse ata blejn\u00eb kuota sa her\u00eb q\u00eb kontribuojn\u00eb.<\/p>\n

Ata zot\u00ebrojn\u00eb bashk\u00ebrisht fondin, n\u00eb var\u00ebsi t\u00eb shumave q\u00eb kan\u00eb kontribuar p\u00ebrgjat\u00eb viteve.<\/p>\n

Fondet e pensionit privat rregullohen nga nj\u00eb ligj i posa\u00e7\u00ebm s\u00eb bashku me rregulloret p\u00ebrkat\u00ebse.<\/p>\n

Autoriteti i Mbik\u00ebqyrjes Financiare \u00ebsht\u00eb institucioni i cili licencon dhe mbik\u00ebqyr k\u00ebt\u00eb treg. Pra, \u00ebsht\u00eb nj\u00eb aktivitet i licencuar dhe i mbik\u00ebqyrur.<\/p>\n

Investimi n\u00eb nj\u00eb fond privat pensioni \u00ebsht\u00eb pozitiv, p\u00ebr disa arsye:<\/strong><\/p>\n

1) Kontributet e kryera n\u00eb fond jan\u00eb t\u00eb zbritshme n\u00eb deklarimin e tatimit mbi t\u00eb ardhurat personale<\/p>\n

2) Interesi q\u00eb fitojn\u00eb asetet e fondit gjithashtu, nuk tatohen gjat\u00eb faz\u00ebs s\u00eb investimit<\/p>\n

3) Ndryshe nga pensioni shtet\u00ebror, n\u00eb rast se an\u00ebtari i fondit nd\u00ebrron jet\u00eb, asetet trash\u00ebgohen tek familjar\u00ebt e tij<\/p>\n

4) Asetet e Fondit t\u00eb Pensionit investohen vet\u00ebm n\u00eb tituj shtet\u00ebror\u00eb t\u00eb emetuar dhe t\u00eb garantuar nga Qeveria e Shqip\u00ebris\u00eb, kryesisht n\u00eb Obligacione Afatgjat\u00eb t\u00eb emetuara n\u00eb Republik\u00ebn e Shqip\u00ebris\u00eb, depozita bankare dhe cash. K\u00ebto jan\u00eb asetet me rrezikun m\u00eb t\u00eb ul\u00ebt n\u00eb treg, krahasuar me asetet e tjera financiare<\/p>\n

5) Investimi, kryesisht n\u00eb Obligacione Afatgjat\u00eb 10 vje\u00e7are garanton siguri financiare dhe siguri operacionale (asetet e fondit ruhen n\u00eb nj\u00eb regjist\u00ebr elektronik pran\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb)<\/p>\n

6) Aksesi dhe kontrolli mbi k\u00ebt\u00eb regjist\u00ebr realizohet nga Banka Depozitare<\/p>\n

TREGU I PENSIONEVE PRIVATE N\u00cb SHQIP\u00cbRI<\/strong><\/p>\n

T\u00eb dh\u00ebnat e nga Autoriteti i Mbik\u00ebqyrjes Financiare (AMF) tregojn\u00eb se, gjat\u00eb 3-mujorit t\u00eb par\u00eb t\u00eb vitit tregu iu afrua kufirit t\u00eb 40 mij\u00eb an\u00ebtar\u00ebve.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

\u201cDo ta rekomandoja t\u00eb mendoje dhe skem\u00ebn e pensionit privat sa nuk je von\u00eb. Skema publike nuk do t\u00eb ket\u00eb mund\u00ebsi edhe p\u00ebr shkak t\u00eb 100 faktor\u00ebve\u201d. K\u00ebt\u00eb p\u00ebrgjigje n\u00eb \u201cDitar\u201d, n\u00eb A2 CNN, ish-ministri i Financave Arben Malaj, kur u pyet n\u00ebse kjo skem\u00eb aktuale garanton pensionin p\u00ebr t\u00eb gjith\u00eb t\u00eb pun\u00ebsuarit e sot\u00ebm. …<\/p>\n","protected":false},"author":4,"featured_media":83325,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"class_list":["post-83314","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\/83314","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=83314"}],"version-history":[{"count":0,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/83314\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/83325"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=83314"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=83314"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=83314"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}