Kodi mukuyenera kupereka ndalama zapenshoni zochepera zaka zingati?

mtengo Nthawi yakupuma pantchito ikafika, kukayikira koyamba kumabuka ngati tidzakhala titapereka zaka zokwanira kuti tilandire ndalama zapenshoni. Izi zithandizira kuti mzaka zokongola titha kudalira ndalama zomwe timapeza chaka chilichonse zomwe zingakwaniritse zosowa zathu. Kutaya izi zofunika, Chuma Chachitetezo cha Chikhalidwe Idzakupatsirani chidziwitso chonse chokhudza ntchito yanu. Kufikira poti mudziwa ndi kukhulupirika kwathunthu ngati mungakondwere ndi kuchuluka kwake ndi kuchuluka kwake. Ngati mukukayika, simudzachita mwina koma kulumikizana ndi thupilo kuti mumveke bwino.

Ndizofunikira kwambiri choyamba kuti musiyanitse ndalama zapenshoni zothandizira ndi zomwe sizili. Chifukwa makina awo ndi osiyana kotheratu ndipo chifukwa chakuti simungathe kupeza zoyambirirazo sizingakulepheretseni kukhala olandila omwe sanathandizire. Chifukwa njirayi itengera mawonekedwe a zaka zomwe mwazitchula pa ntchito yanu yonse kapena ukadaulo. Ndizosadabwitsa kuti kusiyana kwa ndalamazo ndikofunikira kwambiri nthawi yakupuma ikakufikani pantchito.

Ndalama zapenshoni ndizopindulitsa pachuma ndipo kupatsidwa kumene kumakhala kogwirizana kale ndi Social Security. Zomwe simudzakhala ndi yankho lina kuposa kupereka ndalama zochepa. Kwanthawizonse kuyambira zaka 15 zopereka pa mbiri yanu yonse yokhudzana ndi ntchito. Ngakhale zili choncho, mapenshoni osapereka amasiyana chifukwa sikungakhale kofunika kuti mukhale nawo tanena kale. Mutha kuzipeza osagwira ntchito m'moyo wanu wonse.

Osachepera kuchuluka kwa mapenshoni

Gawo la chidwi chachikulu lidzakhazikitsidwa ndi zomwe zidzakhale malire ochepa omwe mudzalandire gawo ili m'moyo wanu likadzafika. Pakadali pano, penshoni yocheperako imalumikizidwa ndi malamulo owerengera ndalama zapenshoni pachaka. Masabata angapo apitawo ndalamazo zidakwezedwa kuti opuma pantchito athe kukumana ndi kukwera kwamitengo yomwe ikuwonetsedwa mu index ya mitengo ya ogula (CPI). China chomwe muyenera kuganizira ndichakuti amagawidwa pamalipiro 14 pamwezi. Ndiye kuti, zowonjezera ziwiri zomwe mudzalipire mu Juni ndi Disembala ndipo zidzaperekedwa ngati ndalama zapadera.

Mwanjira imeneyi, bajeti za 2018 zimaphatikizanso kuwunika mapenshoni ndi 0,25%, komanso, njira zatsopano kwezani mapenshoni otsika kwambiri zidzakhudza pafupifupi opuma pantchito 6 miliyoni. Kuchokera pazomwezi, Unduna wa Zachuma umawerengera kuti chiwongola dzanja chochepa kwambiri, ndikuwonjezeka kwa ma 250 euros ndikufikira mpaka 12.040 euros. Ndikukwera kwapakati pa ma 100 mayuro. Mukuchita izi zikutanthauza kuchuluka kwa 3% pamipenshoni yocheperako. Ngakhale zili choncho, mapenshoni amasiye adzawonjezeka ndi 2%, ndiye kuti, gawo limodzi limatsika. Chifukwa chake, mwanjira imeneyi, amalandila kuchuluka kwa ma euro 450 pachaka.

Ngati penshoni sichingafikiridwe?

penshoni Mulimonsemo, pali chofunikira chofunikira kuti titole ndalama zapenshoni za boma. Palibe wina koma wathandizira zaka 15 pantchito yanu kapena moyo wanu waluso. Ngati sizinali choncho, simukadakhala ndi mwayi wozindikira za ndalamazi. Ngakhale penshioni yocheperako ziribe kanthu momwe mumathandizira mitundu ina yovomerezeka. Pankhaniyi, simukadakhala ndi yankho lina kupatula kutengera ndalama zapenshoni zomwe sizimathandizira, zomwe zimapangidwa mosiyana kwambiri ndipo sizikugwirizana ndi zomwe mudakonzekera kuyambira pachiyambi.

Mwanjira imeneyi, ndalama zapenshoni zomwe sizimathandizira zimakhala ndi chiwongola dzanja chonse chomwe ndi 5136,6 euros chaka chilichonse. Ngakhale mulinso ndi ndalama zomwe zingapitirire ndipo ndi ma 1284,15 euros pachaka. Ndalama zomwe zimapangidwira anthu omwe amapereka izi:

  • Muyenera kukhala ndi zaka zosachepera 65 ndi kuchokera komwe mutha kuyimba mlandu nthawi iliyonse m'moyo wanu.
  • La mudzakhala ndi malo okhala ku Spain. Kwa zaka zosachepera khumi zokhalamo. Omwe, awiri mwa iwo ayenera kuti anali asanafike tsiku lofunsira ndalama zapenshoni zomwe sizinathandize komanso popanda zosokoneza.
  • Muyenera alibe ndalama. Mwanjira imeneyi, mudzaphatikizidwa mgululi pomwe ndalama zomwe mumapeza pachaka sizimadutsa ma 5.136,60 euros.

Zaka zopuma pantchito

Zifunikanso kuti muganizire pazaka zomwe mungasangalale ndi kupuma pantchito. Nthawi imeneyi ndiyi Zaka 67 ndi zaka 37 zidagwira ntchito. Muthanso kuchita izi muli ndi zaka 65, ngakhale kuti mutolere penshoni yonse, ndiye kuti, 100%, zikhala zofunikira kwambiri kuti mukhale ndi zopereka zaka 38 ndi miyezi 6. Chifukwa ngati sichoncho, ndalamazo zitsika kwambiri poyerekeza ndi kuwerengera koyambirira. N'zosadabwitsa kuti mavuto anu sangakhale osangalatsa ngati mungasankhe kupititsa nthawi. Mpaka kuti muwone ngati ndizotheka kuti musunthire pantchito yanu kuyambira pano.

Kumbali inayi, simungayiwale kuti mutha kulandira mwayi wopeza ntchito isanakwane nthawi yopuma pantchito. Chikhalidwe china chamakhalidwe awa ndikuti nthawi yomwe mumalipiritsa ulova phindu idzakhala ikukubweretsani inu pamtengo womwe mudzayenera kusonkhanitsa zaka zingapo pambuyo pake. Mwanjira ina, izi ndizomwe zimachitika ndi ERE kuti mbali zabwino zamakampani mdziko muno zizigwiritsa ntchito. Ndi njira yomwe antchito amavomereza kuti athe kukhala ndi mwayi wokhala ndi penshoni pazaka zawo zagolide.

Kupita patsogolo kwa penshoni

kusungirako Zachidziwikire ayi, ngati mukufuna kukhala ndi penshoni yocheperako, simudzachitanso mwina koma kuti mupereke ndalama kwazaka zambiri pantchito yanu. Mukamachulukirapo, zimakhala zabwino pokomera zanu. Mwa zina chifukwa zidzaphatikizira kuchuluka kwa penshoni. Mofanana ndi zomwe zidzachitike kutengera zaka zomwe agwira ntchito. Kuchokera pazochitikazi, mudzakhala ndi chidwi kuti ntchito yanu ikhale yopitilira muyeso. Ponena za ogwira ntchito odzigwira okha, zidzafunika kuti mzaka zomaliza za moyo wanu wogwira ntchito zizikhala zofunikira. Osati pazochepera ma 300 euros omwe ena mwa anthu ogwira ntchito odzigwira okha amagwira ntchito.

Sitingaiwale kuti chinthu china chofunikira kuti mutenge penshoni kuyambira pano ndichakuti mudzayenera kupereka kwa zaka zosachepera ziwiri m'zaka 15 zapitazi. Izi ndizofunikira kuti pali antchito ena omwe nthawi zambiri amanyalanyaza izi. Osati pachabe, zitha kubweretsa vuto lina posonkhanitsa pantchito yawo. Chifukwa chake, ndikosavuta kuti muzilingalira izi munthawi zomaliza za moyo wanu wogwira ntchito. Kuti musakhale ndi mbiri yoyipa panthawi yovuta kwambiri paubwenzi wanu ndi dziko la ntchito. Kupitilira pazinthu zina zamaluso kuti muwerenge momwe mupuma pantchito mukadzasiya kugwira ntchito.

Zina zofunika kuwunika

Ngati simukufuna mavuto ochulukirapo kuti mudzathe kupuma pantchito, muyenera kufunsa mabungwe omwe ali pamalopo kuti ali bwanji pazaka zopereka. Tiyi ipereka kuwerengera koyenera kwa zomwe muyenera kuzindikira mkati mwa zaka zimenezo. Kuti muthe kusankha zaka zoyenerera kwambiri kuti mutsirizitse moyo wanu wakugwira ntchito musanatenge ndalama za penshoni. Mwanjira ina, kufunafuna chithandizo cha bungwe kumathandizanso ntchitoyi ndi zotsatira zomwe zingakhale zokhutiritsa pazomwe mukuyembekezera.

Ngati pazifukwa zilizonse, mupeza kuti penshoni yomwe mudzatenge ndiyochepera, nthawi zonse mumakhala ndi mwayi wosankha njira yopuma pantchito yomwe ipange ndalama zambiri mgawo latsopanoli la moyo wanu. Kudzera pazinthu zachumazi atha kubweza ndalama zomwe mwasunga pafupifupi 3% kapena 4%. Zomwe zingakuthandizeni kukhala ndi moyo wabwino nthawi yomaliza yopuma pantchito. Ndiwo manejala omwe mungawagwiritse ntchito kudzera mu ndalama kapena ndalama zokhazikika. Kutengera zosowa zomwe mumapereka pagawo lapaulendo. Chifukwa chake, kutengera mbiri yomwe mumapereka ngati ndalama.

Izi ndi zomwe muyenera kuchita ngati muwona kuti mudzakhala ndi penshoni yocheperako yomwe ingakulepheretseni kukhala opanda mavuto ochulukirapo. Kuti muwerengere, kuwonjezera pa kupuma pantchito, ndi ndalama zomwe mwapeza potsatira chitsogozo chomwe ogwira ntchito onse atha kugwiritsa ntchito patatsala zaka zochepa. Kotero kuti mwanjira iyi, ndalama zomwe mumapeza mwezi uliwonse zimakwera ndi mphamvu zina ndipo simukuyenera kuthana ndi penshoni yocheperako yomwe ingopitilira ma euros 600 pamwezi. Ndikosavuta kuti muzilingalira izi munthawi zomaliza pantchito yanu.


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  1.   M. Luisa Escartin Bueno anati

    Wawa, ndine M. Luisa Escartin Bueno. Ndinkafuna kudziwa kuti ndakhala ndikutchulidwa kwa nthawi yayitali bwanji. Koma sindinapeze yankho patsamba lino.

  2.   Xavier Mendizabal. anati

    Blah blah blah ... Finyani anthu ogwira nawo ntchito kuti athandizire magulu andale, omwe azaka zopereka kwa zaka zochepa adzalandira mapenshoni abwino pamoyo wawo wonse. Kuphatikiza apo, m'maiko ngati Spain mapenshoni alibe inshuwaransi. Chifukwa chake kwa ine ndizofanana kutchula zaka 20, kapena 30 kapena kupitilira apo. Mutha kukhala makandulo awiri chimodzimodzi.