Koh\u00ebt e fundit po diskutohet shum\u00eb mbi pensionet dhe kriz\u00ebn q\u00eb po kalon skema e pensioneve n\u00eb Shqip\u00ebri.<\/p>\n
Pensioni shtet\u00ebror, p\u00ebr shkak t\u00eb disa faktir\u00ebve, nuk ofron t\u00eb ardhura t\u00eb mjaftueshme p\u00ebr p\u00ebrballimin e kostove t\u00eb jetes\u00ebs. Ndaj shum\u00eb ekspert\u00eb, p\u00ebrfshir\u00eb k\u00ebtu edhe Bank\u00ebn e Shqip\u00ebrin\u00eb, po flasin p\u00ebr skema suplementare.<\/p>\n
P\u00ebr k\u00ebt\u00eb tem\u00eb ka folur edhe CEO i “SIGAL UNIQA”, Z.Avni Ponari.<\/p>\n
I ftuar n\u00eb emisionin \u201cPro Business\u201d n\u00eb Klan Plus, ai dha edhe nj\u00eb opsion si mund t\u00eb zgjidhet kjo kriz\u00eb: kombinimi i pensionit shtet\u00ebror me at\u00eb q\u00eb merr n\u00eb privat.<\/p>\n
Sipas tij, kjo b\u00ebn q\u00eb shuma e p\u00ebrfitimit t\u00eb jet\u00eb e k\u00ebnaqshme p\u00ebr pensionist\u00ebt dhe ti p\u00ebrgjigjet kostove t\u00eb jetes\u00ebs.<\/strong><\/p>\n AVNI PONARI:\u00a0<\/strong>Shum\u00eb nd\u00ebrmarrje dhe shum\u00eb individ\u00eb, po afrohen me shum\u00eb shpejt\u00ebsi dhe po krijojn\u00eb vlerat e tyre p\u00ebr pensionin dhe kjo \u00ebsht\u00eb nj\u00eb garanci shum\u00eb e mir\u00eb sepse n\u00eb qoft\u00ebse n\u00eb shtet ti ke nj\u00eb pension 20 mij\u00eb lek\u00eb t\u00eb reja dhe do marr\u00ebsh 400 apo 500 n\u00eb privat, pra pensioni yt shkon 700 mij\u00eb lek\u00eb(t\u00eb vjetra) n\u00eb total i gjithi s\u00eb bashku. K\u00ebshtu q\u00eb krijimi i k\u00ebsaj incentive dhe krijimi k\u00ebtij sistemi t\u00eb till\u00eb e b\u00ebn t\u00eb mundur q\u00eb ti t\u00eb marr\u00ebsh nj\u00eb vler\u00eb t\u00eb caktuar. Shqip\u00ebria \u00ebsht\u00eb nga t\u00eb paktat vende q\u00eb nuk e ka kolon\u00ebn e dyt\u00eb t\u00eb investimeve. Q\u00eb do t\u00eb thot\u00eb, shteti p\u00ebrve\u00e7 Sigurimeve Shoq\u00ebrore q\u00eb \u00ebsht\u00eb 27% q\u00eb paguhen nga paga, at\u00ebher\u00eb kjo 27 ndahet n\u00eb 25 p\u00ebrshembull do ti \u00e7osh tek Sigurimet Shoq\u00ebrore dhe 2% jan\u00eb t\u00eb detyrueshme ti \u00e7osh te nj\u00eb skem\u00eb e pensioneve private. Pra, ky \u00ebsht\u00eb nj\u00eb stimulim shum\u00eb i madh, nj\u00eb mb\u00ebshtetje e madhe dhe nj\u00eb leht\u00ebsim i barr\u00ebs s\u00eb sistemit t\u00eb Sigurimeve Shoq\u00ebrore.<\/p>\n Z.Ponari dha edhe nj\u00eb shembull se si mund t\u00eb p\u00ebrfshihet pensioni privat me detyrim duke e ndar\u00eb n\u00eb dy pjes\u00eb.<\/strong><\/p>\n AVNI PONARI:<\/strong>\u00a0Skema aktuale ka mang\u00ebsi. Dhe nga ajo q\u00eb kam d\u00ebgjuar thuhet se nuk funksionon se n\u00eb Shqip\u00ebri jan\u00eb 700 mij\u00eb pensionist\u00eb q\u00eb marrin pensionin dhe jan\u00eb 700 mij\u00eb t\u00eb pun\u00ebsuar. Pra raporti \u00ebsht\u00eb 1 me 1. At\u00ebher\u00eb duke q\u00ebn\u00eb ky raport, n\u00eb t\u00eb gjith\u00eb bot\u00ebn \u00ebsht\u00eb 1 me 2, me 3 me 4, pra 4 punojn\u00eb dhe 1 merr pension. Ne nuk kemi k\u00ebt\u00eb skem\u00eb. Kjo skem\u00eb duhet t\u00eb ishte vendosur 20 vite p\u00ebrpara ose 30 vite p\u00ebrpara. Kjo skem\u00eb e cila ndante sigurimin e detyruesh\u00ebm n\u00eb dy pjes\u00eb, tek sigurimet vullnetare 2%,1%, 1.5%, pastaj qytetar\u00ebt k\u00ebt\u00eb 2% mund ta plot\u00ebsojn\u00eb edhe me para t\u00eb tjera p\u00ebr t\u00eb marr\u00eb nj\u00eb pension m\u00eb t\u00eb lart\u00eb. Ka nj\u00eb gj\u00eb q\u00eb Instituti i Sigurimeve Shoq\u00ebrore do q\u00eb t\u00eb jet\u00eb pesha e madhe, q\u00eb t\u00eb gjitha fondet t\u00eb shkojn\u00eb tek ai, por dashamir\u00ebsia e Institutit, e Ministris\u00eb s\u00eb Financave, e Qeveris\u00eb me ligj e p\u00ebrcaktojn\u00eb qart\u00eb dhe e b\u00ebjn\u00eb. Pra Maqedonia e Veriut \u00ebsht\u00eb me k\u00ebt\u00eb skem\u00eb, Mali i Zi \u00ebsht\u00eb me k\u00ebt\u00eb skem\u00eb, Bosnja dhe vendet e Rajonit pothuajse t\u00eb gjitha jan\u00eb me k\u00ebt\u00eb skem\u00eb. Edhe vendet e tjera p\u00ebrreth nesh jan\u00eb me k\u00ebt\u00eb skem\u00eb, pasi k\u00ebto jan\u00eb m\u00eb efi\u00e7ente dhe krijojn\u00eb mund\u00ebsi t\u00eb \u00e7do njeriu t\u00eb ken\u00eb nj\u00eb pension normal dhe kushte t\u00eb mira jetese. N\u00eb Gjermani p\u00ebrshembull njer\u00ebzit investojn\u00eb n\u00eb 2-3 fonde\u201d.<\/p>\n Pjes\u00eb e emisionit ishin edhe dy qyteyar\u00eb, t\u00eb cil\u00ebt po marrin aktualisht frytet e investimit n\u00eb pensionin privat.<\/p>\n Merita dhe Shk\u00eblqimi, t\u00eb cil\u00ebt sot kan\u00eb dal\u00eb n\u00eb pension, shprehen t\u00eb k\u00ebnaqur me at\u00eb \u00e7far\u00eb marrin nga fondi\u00a0 “SIGAL UNIQA Invest”.<\/p>\n \u201cUn\u00eb jam njohur me fondin e pensionit privat Sigal, q\u00eb n\u00eb vitet 2016-2017 dhe m\u00eb p\u00eblqeu si m\u00ebnyr\u00eb p\u00ebr t\u00eb siguaruar di\u00e7ka m\u00eb shum\u00eb p\u00ebr pensionin tim n\u00eb vitet q\u00eb do t\u00eb vinin m\u00eb von\u00eb, t\u00eb cilat vijn\u00eb aq shpejt. N\u00eb vitin 2018 me mb\u00ebshtetjen e institucionit ku un\u00eb punoja u b\u00ebra an\u00ebtare e fondit t\u00eb pensionit privat. Gj\u00eb q\u00eb mendoj se duhet ta kisha nisur shum\u00eb m\u00eb her\u00ebt se sa n\u00eb at\u00eb vit. Edhe lexova shum\u00eb p\u00ebr k\u00ebt\u00eb pjes\u00eb. U lidha me specialist\u00eb t\u00eb Sigal q\u00eb punonin n\u00eb k\u00ebt\u00eb fush\u00eb, t\u00eb cil\u00ebt m\u00eb sqaruan dhe m\u00eb bind\u00ebn q\u00eb ishte di\u00e7ka shum\u00eb e leverdisshme dhe e domosdoshme p\u00ebr njer\u00ebzit, sidomos kur vjen koha e pensionit\u201d,\u00a0shprehet p\u00ebr emisionin \u201cPro Business\u201d Merita Pulla \u2013 Pensioniste, Ish-Ekonomiste.<\/p>\n Edhe Shk\u00eblqim Arizi flet p\u00ebr ndihm\u00ebn q\u00eb i jep pensioni privat p\u00ebr t\u00eb p\u00ebrballuar kostot e jetes\u00ebs.<\/p>\n \u201cPensionet q\u00eb akordohen nga shteti mbi baz\u00ebn e kontributeve t\u00eb Sigurimeve Shoq\u00ebrore, jan\u00eb t\u00eb pamjaftueshme t\u00eb jemi t\u00eb sinqert\u00eb n\u00eb at\u00eb q\u00eb flasim. Jan\u00eb t\u00eb pamjaftueshme p\u00ebr t\u00eb p\u00ebrballuar kostot e mosh\u00ebs, problematik\u00ebn e mosh\u00ebs, aq m\u00eb shum\u00eb pastaj p\u00ebr t\u00eb shijuar ndonj\u00eb k\u00ebnaq\u00ebsi q\u00eb ka dhe mosha. N\u00ebp\u00ebrmjet shok\u00ebv\u00eb t\u00eb mi q\u00eb jetojn\u00eb jasht\u00eb vendit, konkretisht n\u00eb Greqi, m\u00eb treguan skem\u00ebn e pensionit privat atje dhe kjo m\u00eb bindi mua q\u00eb t\u00eb b\u00ebhem klient i fondit t\u00eb pensionit privat. U b\u00ebra klient i fondit Sigal t\u00eb pensionit, p\u00ebr procedura ishte shum\u00eb e thjesht\u00eb, me k\u00ebto dokumentat si Kart\u00eb ID, veprimet u b\u00ebn\u00eb aty n\u00eb zyr\u00eb. Pastaj b\u00ebra investimin e par\u00eb n\u00eb Bank\u00eb, t\u00eb parave dmth q\u00eb i mendoja, m\u00eb pas b\u00ebja derdhjet n\u00eb Bank\u00eb n\u00eb m\u00ebnyr\u00eb periodike sipas mund\u00ebsive t\u00eb mia. Kam q\u00ebn\u00eb goxha aktiv gjith\u00eb ato vite q\u00eb kam derdhur kontributet.\u201d<\/p>\n N\u00eb \u00e7do rast shumat e pat\u00ebrhequra p\u00ebr arsye t\u00eb ndryshme jan\u00eb pron\u00eb e trash\u00ebgimtar\u00ebve ligjor\u00eb.<\/p>\n \u201cQ\u00eb n\u00eb momentin q\u00eb u njoh\u00ebm me fondin, nj\u00eb nga pikat ishte q\u00eb ne mund tua trash\u00ebgonim pensionin f\u00ebmij\u00ebv\u00eb tan\u00eb n\u00eb \u00e7do rast. Dhe q\u00eb n\u00eb kontrat\u00ebn e par\u00eb q\u00eb kam b\u00ebr\u00eb me kompanin\u00eb Sigal kam v\u00ebn\u00eb emrin e vajz\u00ebs time, q\u00eb p\u00ebr \u00e7do gj\u00eb ta trash\u00ebgonte ajo q\u00eb kur t\u00eb vinte koha q\u00eb nuk do ta merrja m\u00eb dot un\u00eb\u201c, thot\u00eb Merita Pulla.<\/p>\n T\u00eb menduarit p\u00ebr pensionin nuk \u00ebsht\u00eb nj\u00eb \u00e7\u00ebshtje q\u00eb duhet t\u00eb shtyhet p\u00ebr m\u00eb von\u00eb. \u00c7do shum\u00eb, sado e vog\u00ebl, e investuar her\u00ebt n\u00eb nj\u00eb fond pensioni privat, mund t\u00eb b\u00ebj\u00eb nj\u00eb ndryshim t\u00eb madh n\u00eb t\u00eb ardhmen.<\/p>\n Kjo ju jep paqe mendore dhe mund\u00ebsin\u00eb p\u00ebr t\u00eb shijuar vitet e arta pa shqet\u00ebsime financiare.<\/p>\n Mos e shtyni k\u00ebt\u00eb vendim t\u00eb r\u00ebnd\u00ebsish\u00ebm. Filloni t\u00eb mendoni p\u00ebr pensionin tuaj privat q\u00eb sot dhe sigurohuni q\u00eb t\u00eb keni nj\u00eb t\u00eb ardhme financiare t\u00eb q\u00ebndrueshme dhe t\u00eb sigurt.<\/p>\n Mendoni q\u00eb sot p\u00ebr t\u00eb ardhmen tuaj financiare<\/p>\n Konsultohuni me ekspert\u00ebt e “SIGAL UNIQA Invest” duke shkruar tani n\u00eb:<\/p>\n E-mail:\u00a0info@fondisigal.com.al<\/p>\n Ose duke telefonuar n\u00eb: +35544511666<\/p>\n","protected":false},"excerpt":{"rendered":" Koh\u00ebt e fundit po diskutohet shum\u00eb mbi pensionet dhe kriz\u00ebn q\u00eb po kalon skema e pensioneve n\u00eb Shqip\u00ebri. Pensioni shtet\u00ebror, p\u00ebr shkak t\u00eb disa faktir\u00ebve, nuk ofron t\u00eb ardhura t\u00eb mjaftueshme p\u00ebr p\u00ebrballimin e kostove t\u00eb jetes\u00ebs. Ndaj shum\u00eb ekspert\u00eb, p\u00ebrfshir\u00eb k\u00ebtu edhe Bank\u00ebn e Shqip\u00ebrin\u00eb, po flasin p\u00ebr skema suplementare. P\u00ebr k\u00ebt\u00eb tem\u00eb ka …<\/p>\n","protected":false},"author":4,"featured_media":95969,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-95968","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-politike"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/95968","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=95968"}],"version-history":[{"count":1,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/95968\/revisions"}],"predecessor-version":[{"id":95970,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/95968\/revisions\/95970"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/95969"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=95968"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=95968"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=95968"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}