Ko da kai saurayi ne kuma mai kuzari, ba abu ne mai kyau a gare ka ba ka manta da tsarin ritaya daidai kuma zaka iya jin daɗin ikon siyayya a cikin shekarun zinariya. A gefe guda, akwai kuma shawarwarin da hukumomin siyasa kan bukatar samun kari a lokacin ritaya. Ganin haɗarin da tsarin jama'a ba zai samar muku da albashi mai kyau ba biya maka bukatun ka na yau da kullun. Saboda haka yana daga cikin manufofin da ya kamata ka saita kanka daga yanzu.
Bayan abin da fansho da za ku karba lokacin da kuka yi ritaya, ya kamata ku san cewa kuna da wasu hanyoyin da yawa fadada wannan kudin shiga na yau da kullun. Ta hanyar dabaru daban-daban, wasu sanannun ku ne, amma tabbas wasu zasu ba ku mamaki da su asali. A kowane hali, yana da matukar dacewa kuyi la'akari dasu idan har suka dace da bayananku. Duk shekarun da kake a wannan lokacin, don ƙirƙirar jakar tanadin jaka don fuskantar waɗannan shekarun rayuwar ku.
Mafi kyawun ɓangaren su sun fito ne daga saka hannun jari a cikin kasuwar adalci, amma ba tare da mantawa ba a kowane lokacin tsayayyen. Don cike fensho ta hanyar da ta fi gamsarwa ta yadda za ku yi nasara a cikin wannan rikitacciyar matsalar da za ku samu a cikin waɗannan shekarun rayuwar ku. Amma daga yanzu, zai kasance yana da dabaru da yawa don yin wannan fata ya zama da mahimmanci cewa yawancin ɓangarorin masu biyan haraji a ƙasarmu suna da. Inda ake tunanin ɗaya daga cikin pan fansho mafi ƙasƙanci a yankin Euro.
Ritaya a Spain
Bayanai da suka bar mu a bara sun dogara ne da cewa kusan fiye da kashi 40% na ma'aikata a cikin ƙasarmu suna ganin albashin shekara-shekara ƙasa da Yuro 16.982. Wannan adadin shine adadin da Jiha ke biyan wadanda suka yi ritaya daga General Regime. Ana nuna wannan ta hanyar binciken kwanan nan na Babban Albashin Aiki, wanda Cibiyar Nazarin Statididdiga ta (asa (INE) ta buga. Don haka, a ƙarshen 2017, matsakaicin fansho a Spain ya tsaya kan euro 925,85 a kowane wata, wanda ke wakiltar ɗan ƙaramin kashi 1,84% idan aka kwatanta da daidai lokacin na shekarar da ta gabata.
A kowane hali, ana samar da wani hoto mai ban sha'awa a cikin 'yan shekarun nan, wanda ya kunshi adadin masu karɓar fansho waɗanda ke samun sama da ma'aikata masu aiki. Wannan tasirin na iya haifar da tasirin da ba'a so don idan lokacin ritayar ku ya zo. Zuwa lokacin da zasu iya rage adadin zuwa rage yawan masu bayar da gudummawa. Wannan shine ɗayan dalilan da suka sa abun birgewa sosai cewa kun riga kun amintar da tushe don haɓaka wannan kuɗin shiga: Shin kuna son sanin wanene suka fi tasiri a halin yanzu? Da kyau, ku ɗan ɗan lura idan har zaku nemi taimakon su daga yanzu.
Kudin saka hannun jari don ritaya
Tabbas ita ce hanya mafi zaman kanta zuwa inganta ikon siyan ku a cikin shekarun zinariya na ritayar sana'a. Wannan samfurin kuɗin yana ba ku damar yin samfurin tanadi a hankali don ku more shi a cikin shekarun ritayar ƙwararrunku. Tare da sassauci mafi girma fiye da ta sauran kayayyakin da aka nufa don saka hannun jari. Domin ku ne zaku zaɓi gudummawar kuɗin da ke zuwa kuɗin kowace shekara. Daga lokacin da kuka yi la'akari da mafi dacewa don fara wannan aikin don yin ritaya kuma dangane da ainihin kuɗin kuɗin ku.
Ofayan fa'idodin da suka fi dacewa ya ta'allaka ne da gaskiyar cewa zaka iya zaɓar daidaito, tsayayyen kudin shiga ko wasu samfuran madadin. Don haka ta wannan hanyar, zaku iya cimma wata manufa ɗaya ko wasu don ƙirƙirar asusu don lokacin da lokacin ritaya ya isa cikin aikinku. Koyaya, wannan ƙirar kuɗi ne wanda yake da kyau musamman a gare ku don amfani. daga shekaru 50. Tare da fayil na dukiyar kuɗi wanda za'a iya haɓaka sosai. Domin kare ku daga mafi kyawun yanayin yanayin kasuwannin kuɗi. Inda asusun saka hannun jari inda kuka saka ajiyar ku na iya rasa darajar sa.
Shirye-shiryen ritaya
A kowane hali, samammen samfurin don fuskantar ritaya babu shakka shirin ritaya ko shirin fansho. Saboda asali asali samfur ne da ke da nufin samar da kayan ajiya ko kayan saka jari da ake niyya rufe wasu abubuwan da ba su dace baSaboda haka rashin wadataccen ruwa, babban bambancin sa a tsakanin wasu, idan aka kwatanta da sauran kayayyakin kuɗi. Kowace shekara kuna sanya adadin lokacin da lokacin ritayar ya zo. Dogaro da wadatar kuɗin ku, za ku iya faɗaɗa wannan jakar tanadin.
A gefe guda, ɗayan halayen da suka dace da shirye-shiryen ritaya yana kasancewa a cikin gaskiyar cewa zai iya rage naka tushen haraji na bayanin kudin shiga kuma, saboda haka, rage adadin haraji. Sakamakon wannan dabarun, zaku iya biyan kuɗi kaɗan don wannan harajin ko kuma, akasin haka, ƙara adadin da dole ne ku karɓa duk shekara. Kamar dai yadda zaku iya yin wani abu na ceto sau ɗaya kafin ku yi ritaya. Muddin wasu daga cikin waɗannan yanayi suka faru: rashin aiki, rashin lafiya mai tsanani, halin dogaro, mutuwar mai shi, rashin aiki na dogon lokaci,
Kafaffen kudin shiga ta hanyar rarar kudi
Wannan wani zaɓi ne na asali wanda zai iya samar muku da wasu kudaden shiga shekara-shekara har zuwa 8%. Ta wata hanyar da aka ba da tabbaci gaba ɗaya, ba tare da la'akari da haɓakar ƙimar jari a cikin kasuwannin daidaito ba. Saboda kada kuyi shakkar cewa rarar kuɗi dabara ce don samun ƙarin kuɗi ɗaya don lokacin tsufa. Tare da ƙarin fa'idar da za ku iya samun fa'ida ta tanadi ta hanyar faɗar ƙimar. Tsarin tsari ne wanda kyakkyawan ɓangare na ƙananan da matsakaitan masu saka jari ke tafiya dashi. Musamman, don sauƙin zaɓar irin wannan kuɗin shiga na yau da kullun kowace shekara.
Kari akan haka, kuna da shawarwari iri-iri idan kun zabi riba. Gwargwadon yawancin kamfanoni da aka lissafa ke rarraba wannan kuɗin tsakanin masu hannun jarin su, ana saka su a cikin jerin zaɓaɓɓun lambobin Spain. Haɓaka komo kan tanadi cewa jeri tsakanin 3% da 8%. Tare da tsayayyen kuma tabbataccen kudin shiga kowace shekara. Inda zaku iya tattara shi ta hanyoyi daban-daban: kwata-kwata, rabin shekara ko shekara. A kowane hali, bangaren wutar lantarki shine mafi karimci don bayar da wannan rarar ta kowane juzu'i. Tare da ƙimomi masu ƙarfi kamar Iberdrola, Red Eléctrica Española, Endesa ko Enagás, a cikin wasu mahimman abubuwan.
Inshorar shirin fansho
Hakanan ana kiranta da PPA, wani zaɓi ne wanda zai iya biyan buƙatun masu kiyaye ra'ayin mazan jiya. Don dalili mai sauqi qwarai don bayani kuma hakan saboda tabbacin riba ta hanyar jari. Wannan shine babban banbancin da yake kawowa game da tsare-tsaren fansho na gargajiya. Domin a gefe guda, wannan samfurin yana kiyaye fa'idodin haraji iri ɗaya kamar waɗannan. Hanya ce ta samun amintaccen kudin shiga a daidai lokacin da yayi ritaya.
A cikin wannan rukunin, abin da ake kira PIAS. A wannan yanayin haɗuwa ce tsakanin shirin fansho da inshorar tanadi. Ala kulli halin, suna ba ka tabbacin duk shekara wanda zai iya taimaka maka wajen biyan fansho ta hanyar da ta dace kamar yadda kake so. Fiye da fa'idar da wannan samfurin ke samarwa kuma wannan ba shine ɗayan mafi girma a kasuwa ba. A gefe guda kuma, koyaushe kuna iya aiwatar da takamaiman ceto kafin shekara goma. Amma tare da karamin rashi kamar yadda yake shine ba zaku more fa'idodin harajin sa ba.
Asusun ajiya
A ƙarshe, akwai wannan samfurin kuɗin da yake mai da hankali kan samar da kuɗin shiga cikin waɗannan shekarun rayuwar ku. Kodayake ɗayan samfurin ne wanda ke nuna ƙimar ƙimar ƙasa kuma an tsara shi ne don martabar mai saka jari mai kariya. Ina aminci ya tabbata sama da sauran ƙarin tsauraran ra'ayi. Ba a banza ba, ya dogara da gaskiyar cewa zaku sami wannan kuɗin bayan 'yan shekarun da kuka ƙirƙira su. Ba nan da nan ba kuma a kowane hali zai dogara ne da tanadin da aka tara a wannan samfurin don saka hannun jarin fansho.
A kowane hali, kuma bayan da kuka bayyana waɗannan zaɓuɓɓukan na shekarun zinariya, abin da ya fi dacewa shine kuyi nazarin menene ainihin yanayinku kuma musamman buƙatun da zaku samu daga waɗancan lokuta na musamman a rayuwarku. Don haka ta wannan hanyar, zaku iya zaɓar tsarin tanadi wanda yafi dacewa da yanayinku. Kuma idan haka ne, zai zama samfurin daban, kodayake yana da mahimmancin raba su duka. Ba wani bane face yiwuwar kuna da tsayayyen kudin shiga daga ritaya.