N\u00eb fjal\u00ebn e tij, m\u00eb 20 Shtator 2024, Kryeministri Edi Rama pranoi se skema aktuale e pensioneve n\u00eb Shqip\u00ebri po p\u00ebrballet me nj\u00eb kriz\u00eb serioze. Ai theksoi se sfida kryesore q\u00eb vendi po p\u00ebrjeton \u00ebsht\u00eb deficit dramatik n\u00eb sistemin e sigurimeve shoq\u00ebrore, duke mos p\u00ebrjashtuar edhe munges\u00ebn e t\u00eb ardhurave t\u00eb mjaftueshme n\u00eb ark\u00ebn e shtetit p\u00ebr t\u00eb mb\u00ebshtetur rritjen e pensioneve.<\/p>\n
Rama adresoi faktin se shum\u00eb biznese ende nuk paguajn\u00eb sigurimet shoq\u00ebrore n\u00eb p\u00ebrputhje me pagat reale t\u00eb punonj\u00ebsve, duke l\u00ebn\u00eb nj\u00eb boshll\u00ebk t\u00eb theksuar n\u00eb fondet publike. P\u00ebr k\u00ebt\u00eb arsye, ai paralajm\u00ebroi masa t\u00eb ashpra p\u00ebr bizneset q\u00eb nuk respektojn\u00eb ligjet n\u00eb lidhje me sigurimet shoq\u00ebrore.<\/p>\n
Por cilat jan\u00eb sugjerimet q\u00eb propozon “SIGAL UNIQA Invest”, fondi m\u00eb i madh i pensioneve private n\u00eb Shqip\u00ebri, sa i p\u00ebrket aseteve n\u00eb administrim?<\/strong><\/p>\n Nj\u00eb koncept i ri p\u00ebr sistemin e pensioneve<\/strong><\/p>\n Me sfidat demografike dhe ekonomike q\u00eb p\u00ebrballet Shqip\u00ebria, rritja e barr\u00ebs fiskale mbi qytetar\u00ebt p\u00ebr t\u00eb mb\u00ebshtetur skem\u00ebn e pensioneve t\u00eb Kolon\u00ebs I (sistemi baz\u00eb i pensioneve) nuk p\u00ebrb\u00ebn nj\u00eb zgjidhje t\u00eb q\u00ebndrueshme.<\/p>\n Ndaj ne sugjerojm\u00eb se \u00ebsht\u00eb koha p\u00ebr t\u00eb shqyrtuar implementimin e nj\u00eb koncepti t\u00eb ri p\u00ebr pensionet,\u00a0 futjen e “Kolon\u00ebs s\u00eb II-t\u00eb” t\u00eb pensioneve, e cila mund t\u00eb siguroj\u00eb nj\u00eb t\u00eb ardhme m\u00eb t\u00eb q\u00ebndrueshme p\u00ebr pensionist\u00ebt.<\/p>\n Kolona e Dyt\u00eb: Nj\u00eb sistem p\u00ebr nj\u00eb t\u00eb ardhme t\u00eb q\u00ebndrueshme<\/strong><\/p>\n Kolona e Dyt\u00eb e pension nga pun\u00ebsimi, i administruar privatisht\u00a0 \u00ebsht\u00eb nj\u00eb sistem i q\u00eb funksionon paralelisht me sistemin e Kolon\u00ebs I.<\/p>\n Ajo bazohet n\u00eb kursimet e individ\u00ebve, t\u00eb cilat mblidhen dhe menaxhohen n\u00eb llogarit\u00eb personale t\u00eb kursimeve t\u00eb pensionit, duke garantuar nj\u00eb pjes\u00eb shtes\u00eb t\u00eb t\u00eb ardhurave kur qytetar\u00ebt dalin n\u00eb pension.<\/p>\n Ky sistem nuk ofron vet\u00ebm p\u00ebrfitime p\u00ebr individ\u00ebt, por gjithashtu p\u00ebrb\u00ebn nj\u00eb shtyll\u00eb t\u00eb r\u00ebnd\u00ebsishme p\u00ebr zhvillimin ekonomik t\u00eb vendit.<\/p>\n N\u00eb vendet e Evrop\u00ebs Qendrore dhe Lindore, sistemi i “Kolon\u00ebs s\u00eb Dyt\u00eb” ka \u00e7uar n\u00eb rritje t\u00eb kursimeve komb\u00ebtare dhe ka ndihmuar n\u00eb stabilizimin e buxheteve shtet\u00ebrore, duke i b\u00ebr\u00eb k\u00ebto vende m\u00eb t\u00eb q\u00ebndrueshme financiarisht.<\/p>\n P\u00ebrfitimet e Kolon\u00ebs s\u00eb Dyt\u00eb p\u00ebr Shqip\u00ebrin\u00eb<\/strong><\/p>\n Implementimi i “Kolon\u00ebs s\u00eb Dyt\u00eb” t\u00eb pensioneve do t\u00eb sillte p\u00ebrfitime t\u00eb m\u00ebdha p\u00ebr vendin.<\/p>\n S\u00eb pari, do t\u00eb leht\u00ebsonte barr\u00ebn financiare mbi Institutin e Sigurimeve Shoq\u00ebrore (ISSH), duke ndar\u00eb p\u00ebrgjegj\u00ebsin\u00eb midis shtetit dhe fondeve private t\u00eb pensioneve. Kjo qasje do t\u00eb siguronte q\u00eb pensionist\u00ebt t\u00eb mos varen t\u00ebr\u00ebsisht nga fondet shtet\u00ebrore, por edhe nga kursimet e tyre personale, duke u garantuar t\u00eb ardhura m\u00eb t\u00eb q\u00ebndrueshme dhe t\u00eb larta gjat\u00eb pleq\u00ebris\u00eb.<\/p>\n S\u00eb dyti, fondet e pensioneve t\u00eb Kolon\u00ebs s\u00eb Dyt\u00eb mund t\u00eb sh\u00ebrbejn\u00eb si burim investimesh afatgjata n\u00eb ekonomin\u00eb vendase. K\u00ebto investime do t\u00eb ndihmonin n\u00eb krijimin e vendeve t\u00eb reja t\u00eb pun\u00ebs dhe do t\u00eb promovonin zhvillimin ekonomik t\u00eb vendit, duke e b\u00ebr\u00eb Shqip\u00ebrin\u00eb m\u00eb t\u00ebrheq\u00ebse p\u00ebr investitor\u00ebt.<\/p>\n Stabilizimi dhe garantimi i t\u00eb ardhmes p\u00ebr qytetar\u00ebt<\/strong><\/p>\n Me nj\u00eb qasje t\u00eb kombinuar midis skem\u00ebs shtet\u00ebrore dhe asaj private, Shqip\u00ebria mund t\u00eb nd\u00ebrtoj\u00eb nj\u00eb sistem pensionesh q\u00eb ofron stabilitet m\u00eb t\u00eb madh p\u00ebr t\u00eb ardhmen financiare t\u00eb qytetar\u00ebve. N\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb, kjo do t\u00eb reduktonte var\u00ebsin\u00eb nga fondet publike dhe do t\u00eb rris\u00eb sigurin\u00eb financiare p\u00ebr individ\u00ebt n\u00eb pleq\u00ebri. Kursimet e akumuluara n\u00ebp\u00ebr fondet private t\u00eb pensioneve do t\u00eb siguronin q\u00eb pensionist\u00ebt t\u00eb mos p\u00ebrballen me v\u00ebshtir\u00ebsi financiare, edhe n\u00eb rast krizash ekonomike.<\/p>\n Nj\u00eb zgjidhje p\u00ebr demografin\u00eb n\u00eb r\u00ebnie dhe p\u00ebr t\u00eb ardhmen e q\u00ebndrueshme<\/strong><\/p>\n N\u00eb sfondin e nj\u00eb popullsie n\u00eb plakje dhe t\u00eb nj\u00eb koeficienti t\u00eb ul\u00ebt t\u00eb kontribuuesve, “Kolona e Dyt\u00eb” \u00ebsht\u00eb nj\u00eb zgjidhje afatgjat\u00eb p\u00ebr t\u00eb p\u00ebrballuar sfidat me t\u00eb cilat po p\u00ebrballet sistemi i pensioneve n\u00eb Shqip\u00ebri.<\/p>\n Ajo do t\u00eb krijoj\u00eb nj\u00eb sistem m\u00eb t\u00eb q\u00ebndruesh\u00ebm dhe fleksib\u00ebl, duke rritur nd\u00ebrgjegj\u00ebsimin p\u00ebr kursimet private dhe duke promovuar p\u00ebrgjegj\u00ebsin\u00eb personale p\u00ebr t\u00eb ardhmen financiare t\u00eb \u00e7do individi.<\/p>\n “Kolona e Dyt\u00eb” nuk \u00ebsht\u00eb vet\u00ebm nj\u00eb nevoj\u00eb ekonomike, por edhe nj\u00eb domosdoshm\u00ebri p\u00ebr t\u00eb siguruar nj\u00eb pension dinjitoz p\u00ebr brezat e ardhsh\u00ebm.<\/p>\n P\u00ebrve\u00e7 p\u00ebrafrimit me kuadrin ligjor t\u00eb Bashkimit Europian, futja e nj\u00eb kolone tjet\u00ebr n\u00eb skem\u00ebn aktuale t\u00eb pensioneve duhet t\u00eb shihet nga qeveria si m\u00ebnyra e vetme dhe m\u00eb e mir\u00eb p\u00ebr t\u00eb shp\u00ebtuar sistemin aktual t\u00eb pensioneve, t\u00eb zhytur n\u00eb deficit dhe p\u00ebr ti dh\u00ebn\u00eb \u00e7do qytetari nj\u00eb pension dinjitoz.<\/p>\n