Kodi mungawerenge bwanji penshoni?

penshoni Malinga ndi zomwe zaposachedwa kwambiri kuchokera ku Social Security, kuyambira Januware 2018, ndalama zapenshoni zapadziko lonse lapansi zinali ma euro 1.074 pamwezi. Kuchuluka komwe kwakula mzaka khumi zapitazi, ngakhale panali mavuto azachuma, ndi 40%. Mu 2007, ndalama zapenshoni zinali ma 766 euros pamwezi. Dziko la Basque, Asturias ndi Madrid ndi madera odziyimira pawokha omwe ali pamwamba, koma m'malo mwake, Extremadura ndi Galicia samafika ma 900 euros pamwezi ndipo amakhala ndi malipiro ochepa kwambiri. Kumbali inayi, kusiyana pakati pa kugonana ndiwodziwika: pomwe malipiro a amuna ndi ma 1.244,7 euros, a akazi amakhalabe ma 794,4 euros. Ndiye kuti, pafupifupi 500 mayuro.

Mukamawerenga izi, mudzaganizirabe za penshoni yomwe mudzatenge panthawi yeniyeni yopuma pantchito ikafika. Chifukwa nthawi zambiri zimakhala zotheka kuti simudziwa bwinobwino kuchuluka kwa ndalama zomwe zingafanane ndi inu munthawi yofunikayi ya moyo wanu. Chifukwa ngakhale njira iyi itha kukuthandizani kukonzekera zamtsogolo za zaka zagolide. Kufikira pomwe mungathe yonjezerani kudzera mu ndalama zina, monga omwe amachokera ku ndalama zapadera kapena mapulani a penshoni.

Inde, kuwerengera penshoni si ntchito yophweka kuyambira pachiyambi. Chifukwa pazifukwa zina zambiri muyenera kuganizira zosintha zambiri zomwe ndizofunikira kwambiri kuti mupange fayilo ya aliyense za penshoni. Mpaka momwe zaka zopereka sizikwanira momwe mungatolere panthawiyi ya moyo wanu. Ngakhale ili ndi vuto linalake, koma momwe mungadzionere nokha kuti mumizidwa ndipo ndizosavuta kuti muziwazindikira ndipo mutha kuwoneratu izi.

Pensheni yopanda ndalama

pantchito Chimodzi mwazinthu zoyambirira kuwunika ndikuti mudapereka zaka zokwanira kuti mutolere ndalama za penshoni. Izi zikuchitika pomwe sichoncho mwathandizira zaka zoposa 15 Chifukwa chake simudzakhala ndi mwayi wopuma pantchito wamba. Pazinthu izi, muyenera kudziwa kuti penshoni yomwe mudzalandire ndalama kuchokera ku Boma mwezi uliwonse kwa anthu onse omwe ali ndi zaka 65 kapena kupitilira, opanda ufulu wopuma pantchito kapena ndalama zapenshoni wamba chifukwa chosagwira ntchito kapena kupereka mokwanira, ndi "kusowa" ndalama.

Mapenshoni osathandizira chaka chino 2018 akwera ndi 0,25%, ndikuwasiya kuchuluka komwe kumayikidwa pa 5.178,60 euros pachaka, zomwe zimalipira magawo 12 pamwezi kuphatikiza ndalama ziwiri zapadera pachaka. Malipiro omwe amafanana ndi omwe amapuma pantchito amatengera ndalama zomwe iwo amapeza komanso / kapena ndalama zomwe amakhala munthawi yawo yachuma, kukhala ndalama zochepa kwambiri zomwe zingaperekedwe zotsatirazi:

  1.  Kuchuluka kwabwino PNC: 369,90 euros / mwezi wokhala ndi 14 kulipira kwa iwo omwe amaupempha ndipo ali ndi ufulu wolipiritsa wonse. Ndi ndalama zokwanira pachaka za 5.164,60 euros.
  2. Ndalama zochepa za PNC: 92,48 euros pamwezi ndi ndalama 14 (zolipirira ndalama zokwana 1.294,65 euros pachaka zikufanana ndi 25% yazomwe zidakhazikitsidwa, chithunzi pansipa sichingatsike)

Kodi mapenshoni amawerengedwa bwanji?

Nthawi yofunika kwambiri pantchitoyi yafika ndipo ndikuti mudziwe kuti ndi penshoni yanji yomwe mungakhale nayo mutangotsala pang'ono kupuma pantchito. Mwanjira imeneyi, ndikofunikira kuti muzindikire zaka zanu zomwe zalembedwa. Kuti muchite izi, muyenera kufunsa mbiri yakugwira ntchito kwanu momwe ziziwonetsedwera. Komabe, kumbukirani kuti kukhalabe usirikali kumapikisananso zaka zakugwira ntchito ndipo kungakuthandizeni yonjezerani nthawi yopindulitsa za moyo wanu waluso. Pakati pa chaka chimodzi kapena ziwiri, kutengera mtundu womwe wasankhidwa kukhala wankhondo. Ndizosadabwitsa kuti ichi ndichowona kuti gawo lalikulu la okhometsa msonkho silidziwa kwenikweni.

Mbali inayi, gawo lina lomwe muyenera kulilingalira kuyambira pano ndikuti ndalama zapenshoni zidzawerengedwa kutengera zaka 25 zapitazi zamalonda. Ndiye kuti, zaka zoyambirira za moyo wanu wogwira ntchito sizikukhudzani, chifukwa kumbali ina ndizomveka kumvetsetsa. Pachifukwa ichi, zomwe zimakuchitikirani kumapeto kwa ntchito yanu ndizofunikira kwambiri chifukwa ndipamene ndalama zenizeni za penshoni yanu zimatsimikizika. Kutalikitsa gawo ili la moyo wanu kungakupindulitseni inu komanso momwe malamulo apano akuwonetsera.

Malamulo ake ndi otani?

Mukudziwa kuti madongosolo anu opumira pantchito amawerengedwa bwanji. Mu 2022 zopereka zomaliza zomaliza zaka 25 kuwerengera zoyang'anira penshoni. Chifukwa panthawiyi chogwiritsira ntchito chikugwiritsidwa ntchito kuti mu 2018 amawerengera zaka 21. Koma chinthu chofunikira kwambiri ndikuwona kuti ndi mfundo ziti zomwe zingakhudze inu munthawi yofunika kwambiriyi m'moyo wanu.

Pazomwe mwakhala ndizosavuta kuyambira pano, simudzachitanso mwina koma kudziwa zotsatira zakugawa kuchuluka kwa m'munsi mtengo wa wogwira ntchito mwezi umodzi lisanachitike tsiku loyambitsa kulemala kwa masiku angapo omwe akuti zopereka zimatanthauza. Zosinthazi zimadalira malipiro omwe muli nawo komanso masiku omwe mwapereka. Mpaka pomwe kusiyana kwakukulu kungachitike pakati pa m'modzi kapena enawo opuma pantchito. Ndizosadabwitsa kuti ndi gawo lovuta kwambiri pakuchita kuwerengera molondola.

Zaka zingati zagwidwa mawu?

zaka Mbali imodzi yomwe iyenera kufotokozedwa ndi yomwe ikukhudzana ndi zaka zochepa zomwe muyenera kukhala ndi zopereka ndikusangalala ndi malipiro amtunduwu motero osadalira ndalama zapenshoni zomwe zingawononge ndalama zanu pazaka zagolide. Kuti musakhale ndi kukaikira konse, cholinga chake ndikuti mu 2027 zikhale zofunikira kuti mulembetse Zaka 37. Ndiye kuti, okwana Miyezi 444 kuti mulandire penshoni yonse yomwe ikufanana ndi inu malinga ndi zaka zomwe mwagwira ntchito.

Funso lina losiyana kwambiri ndiloti lomwe limakhudzana ndi kudziwa kuti zaka zochepa zomwe zalembedwa sonkhanitsani 100% ya penshoni. Chifukwa zidzakhala zosiyana ndi zaka zochepa kuti mutenge penshoni yocheperako. Izi ndi mfundo ziwiri zomwe muyenera kusiyanitsa bwino kuti muwerenge ndalama zapenshoni yomwe mudzatenge panthawiyi. Kuposa china chilichonse kuti musakwaniritse zolakwika zilizonse zomwe zingakupweteketseni mgawoli ndikuwunika ndalama za penshoni. N'zosadabwitsa kuti si zachilendo kuti anthu opuma pantchito opitilira kamodzi amakhala ndi zodabwitsa zingapo panthawi yofunika kwambiriyi m'miyoyo yawo.

Kodi ndingathe kupuma pantchito msanga?

Ichi ndi china mwazinthu zofunikira kwambiri zomwe mungadzifunse kuyambira pano. Mwanjira imeneyi, mukakakamizidwa kupuma pantchito, zitha kuchitika mpaka zaka zinayi zaka zopuma pantchito zisanachitike. Koma kuti mukwaniritse cholingachi, simudzachitanso mwina koma kukhala ndi zopereka osachepera zaka 33. Ngakhale zilingalira zilango zingapo chaka chilichonse kapena kotala isanakwane. Zotsatira za ntchito zowerengera ndalama izi, mudzawona kuti kupuma pantchito koyambirira kumachitika pokhapokha ngati mapenshoni atapikisana. Mpaka mutha kuzindikira kuti pamapeto pake sikoyenera kufikira gawo ili m'zaka zagolide.

Kumbali inayi, ndikofunikanso kuti kuyambira tsopano mugawire kuchuluka kwa ndalama zapenshoni mtsogolo mwa anthu m'njira zinayi zomwe mungakwaniritse. Ndipo izi zikutanthawuza ku zinthu zotsatirazi zomwe tikukuwonetsani pansipa:

  • Yerekezerani zaka komwe titha kupuma pantchito.
  • Terengani maziko ake kuchokera ku zopereka wazaka zomaliza asanapume pantchito.
  • Ikani fayilo ya takambiranazi kutengera zaka zomwe zalembedwa.
  • Ikani fayilo ya chinthu chokhazikika (monga 2019).

Kodi mukhala ndi ndalama zingati kuti mupume pantchito?

dinero Palibe kukayika kuti kuchuluka kwa penshoni kumatsimikiziridwa ndi oyang'anira ndipo kuti muwerenge ndikofunikira kuti mutenge zopereka pazaka zapitazi za zopereka. Idzakhala ntchito yosavuta chifukwa ikusonyezedwa pamalipiro omwe makampani amapereka. Mulimonsemo, musaiwale kuti ndalama zowonjezera sizingaganiziridwe komanso munthawi zonse zasinthidwa ndi CPI wazaka zonse. Ngakhale kuwonjezeka kwake kuli kochepa chifukwa sikupitilira cholepheretsa 3%.

Pomaliza, pali chidziwitso china chofunikira ndichakuti kukhazikika kumangogwira ntchito kwa iwo omwe apuma pantchito kuyambira Januware 2019. Ndiye kuti, ngati mukusunga ndalama zapenshoni, sizikukhudzani konse. Koma m'malo mwake zidzakhala za iwo omwe akubwera. Mpaka pomwe kusiyana kwakukulu kungachitike pakati pa m'modzi kapena enawo opuma pantchito.


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

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