Ndondomeko ya penshoni: momwe imagwirira ntchito

Ndondomeko ya penshoni: momwe imagwirira ntchito

Mukayamba tsiku lanu lobadwa ndikupeza zaka zopuma pantchito, mumayamba kuganizira zamtsogolo mwanu. Ambiri amakayikira kuti mapenshoni opuma pantchito atha kupitilirabe, chifukwa chake amawona njira zina monga Ndondomeko ya penshoni. Zimagwira bwanji? Kodi ndi chinthu chabwino kukhala nacho? Ndi zabwino ndi ziti zomwe zimapereka?

Ngati mwafunsanso mafunso awa, kapena enanso, ndiye kuti tikufuna kuyankhula nanu ndikukuwuzani za mapenshoni, momwe amagwirira ntchito komanso ngati ndi ndalama zabwino kapena pali zina zomwe zingakupangitseni kusankha china.

Ndondomeko ya penshoni ndi yotani?

Ndondomeko ya penshoni ndi yotani?

Chinthu choyamba chomwe mukusowa ndikumvetsetsa bwino zomwe dongosolo la penshoni limatanthauza. Izi ndi ndalama zomwe zimachitika nthawi zonse. Ndimalangizo omwe amakuthandizani kuti muzisunga gawo lina la ndalama zanu mukadzapuma pantchito.

Mwachitsanzo, taganizirani kuti muli ndi malipiro a 2000 euros. Dongosolo la penshoni limayang'anira kupulumutsa, mwa ma 2000 euros, x ndalama, tiyeni tiike ma 200 euros mwezi uliwonse. Chifukwa chake, panthawi yopuma pantchito, simukadangokhala ndi penshoni yanu, komanso ndalama zomwe mwakhala mukuzipanga pamoyo wanu wantchito ndi cholinga chokomera kupuma kwanu.

Mchitidwewu ndiwothandiza, makamaka chifukwa nthawi zambiri penshoni yomwe ambiri amasiya siyokwanira kukhala ndi moyo. Kuphatikiza apo, kukhala pantchito komanso dongosolo la penshoni sizosemphana, ndiye kuti, mutha kupumula kosavuta chifukwa sangakupangitseni kusankha chimodzi kapena chimzake.

Ndondomeko ya penshoni: imagwira ntchito bwanji ku Spain?

Ndondomeko ya penshoni: imagwira ntchito bwanji ku Spain?

Ku Spain, muyenera kukumbukira kuti zaka zapuma pantchito zikuwonjezeka mpaka, mu 2027, yakhazikitsidwa zaka 67. Malingana ngati muli ndi zaka 36 zothandizidwa ndi Social Security, mutha kupuma pantchito pazaka 65, koma nthawi zina ndibwino kungogwira pang'ono kuti penshoni ikhale yokwera.

Zachidziwikire, palinso milandu ina, monga anthu olumala, okhala ndi ziwopsezo pantchito yawo, ndi zina zambiri.

Ntchito ya penshoni ndiyosavuta. Zimachokera pakupanga ntchitoyi, yomwe mabanki amapereka, perekani, mwezi uliwonse, ndalama. Nthawi zambiri, pamakhala ma 2000 euros pachaka.

Ndalamazi zimapita ku thumba la penshoni ndipo m'malo moyimirira, zimagwiritsidwa ntchito poika ndalama pogula ndi kugulitsa katundu kuti pakhale phindu lalitali.

ndi Ndondomeko za penshoni zimayendetsedwa ndi Royal Legislative Decree 1/2002 komanso ndi Pension Plans Law ndi RD 304/2004 komwe Kukhazikitsidwa kwa Mapulani a penshoni kumakhazikitsidwa.

Izi zikutanthauza kuti, populumutsa dongosolo la penshoni, sizongopeza ndalama zomwe zasungidwa zokha, komanso phindu lomwe ndalamazo zatulutsa. Ndiye kuti, mupeza zambiri kuposa zomwe mwapereka.

Kodi ndalamazo zimayikidwa mu chiyani? Zowonjezeka kwambiri ndizopeza ndalama, ndalama zosinthika, mapulani osakanikirana kapena otsimikizika. Oyang'anira madongosolo amasamalira izi ndipo simuyenera kuda nkhawa.

Ngakhale kuti chiwerengerochi chimadziwika bwino, ndi ochepa omwe amasankha kupatula gawo limodzi la malipiro awo pantchito ya penshoni. Komabe, mukayamba bwino, chifukwa kukhala chinthu chanthawi yayitali, momwe mumagwiritsira ntchito zochulukirapo, phindu lanu limatha kukhala pa ndalama zomwe zaikidwazo.

Ubwino ndi zoopsa za mankhwalawa

Tsopano popeza mwawona dongosolo la penshoni ndi momwe limagwirira ntchito, ndi nthawi yoti muone ubwino ndi kuipa kwa malonda ake. Ndipo kodi ndizakuti musanaganize zochita, muyenera kudziwa ngati zikukuyenererani kapena ayi.

Pakati pa zabwino zomwe dongosolo la penshoni limakupatsani Iwo ndi:

  • Kuchotsera pa renti. Izi ndichifukwa choti, pogawa gawo limodzi la malipiro anu apachaka, popanga ndalama, ndalama "zenizeni" sizipezeka, koma ndalama zomwe mukuyika mu penshoni yanu zimachotsedwa. Kutanthauza chiyani? Mumalipira misonkho yocheperako.
  • Mutha kusiya ndondomekoyi kwa aliyense amene mukufuna. Nthawi zambiri izi zimakhala kwa olowa m'malo, bola mutamwalira isanakwane nthawi yanu, kapena kwa munthu amene mumamulingalira.
  • Mutha kusintha mapenshoni. Mwanjira ina, mutha kuyisintha malinga ndi momwe mungathere komanso / kapena zosowa zanu. Ndipo popanda kulipira chilichonse.

Pazovuta zake, izi zimapita kudalira mawonekedwe omwe ali pachiwopsezo, popeza mutha kukhala osamala, ochepa kapena owopsa.

  • Ngati mukusamala, phindu lomwe mumapeza ndilocheperako, koma mukuwonetsetsa kuti musataye ndalama zomwe mukuyikazo.
  • Mukakhala ochepera, pali zoopsa zina zomwe zingakupangitseni kutaya ndalama zomwe mwapereka.
  • Ngati muli pachiwopsezo, zoopsa zake ndizokwera kwambiri, ndipo mutha kukhala ndi "mwayi" kapena mutha kubetcha moyipa ndikutaya zochuluka kuchokera ku mapenshoni.
  • Vuto lina lokhudza mapenshoni ndiloti, mukadzabweza ndalamazo, mudzayenera kulipira misonkho. Mukakhala ndi ndalama zambiri, mudzalipira zochuluka pambuyo pake.

Kodi dongosololi lingapulumutsidwe m'malo ena kupuma pantchito?

Kodi ingapulumutsidwe munthawi ina kupuma pantchito?

Ngakhale zimamveka bwino kuti mapulani a penshoni amatha kupezekanso pokhapokha ngati munthu atapuma pantchito, si njira yokhayo yochitira. kulipo zina zomwe zingakuthandizeni kupulumutsa dongosolo lanu la penshoni ndikubwezeretsanso ndalama zomwe mwasuntha.

Mwachitsanzo:

  • Ngati padutsa zaka 10 kuyambira pomwe mudamulemba ntchito. Tsopano, ili ndi zina mwazinthu zomwe muyenera kuziwunikanso ndi manejala wanu, mwachitsanzo, ngati mungasiyanitse dongosolo lanu la penshoni mu 2015, mpaka 2025 simukadatha kuzipulumutsa.
  • Ngati mukulephera kugwira ntchito kwanthawi yayitali. Kuti mukhale osagwira ntchito kwakanthawi, muyenera kuti mukuyang'ana ntchito kwa masiku osachepera 360.
  • Ngati mwalemala kapena mwadwala kwambiri. Ngozi, matenda omwe asiyani inu osakhoza, etc.
  • Mukamwalira. Poterepa, olowa m'malo mwake azitha kuwombola dongosolo la penshoni, kulipira msonkho, kumene. Chabwino ndichakuti mapulani a penshoni salipira msonkho wa cholowa.
  • Tsopano popeza mukudziwa mapulani a penshoni, momwe amagwirira ntchito komanso zabwino ndi zoyipa zomwe muli nazo, kodi mungayesere kuitanitsa? Tiuzeni ngati mukuwona kuti ndi chinthu chothandiza kapena chikuyenera kukhala chamakono.

Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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