Public Pension System ine chinangwa chekupa yakachengeteka uye yakakwana mari kana paine zvikonzero zvinochida, sekuchembera kana kuremara. Nekuti iyo sisitimu inoshandiswa zvakare kusarudza misiyano yemari inowanikwa nekuda kwekodzero kwayakambotaurwa, Hurumende inoona zvakakosha kuisa muganho paPension, zvichikonzera hushoma hwepensheni muganho uye muganho wepamusoro wepension.
Nei miganhu yakaiswa, senge yakanyanya uye shoma pension
Hurumende ine tsika yekuisa iyi miganhu zvinoenderana ne Mutemo weGeneral State Budget. Nekudaro, inogadzawo iyo Minimum Interprofessional Mari uye iyo Ruzhinji Chiratidziro cheMazhinji Mhedzisiro Mhedzisiro. Muchidimbu, zvinotarisira kuchengetedza miganho yehuwandu hwepenjeni uye hushoma pension yeveruzhinji pension.
Muna Zvita 2017, yakaburitswa kuongororwa kwepenjeni, kwe2018 ne0.25%, chinova ndicho chidiki chepamutemo chinosimbiswa. Tiri kutaura nezvegore rechishanu mariri, zvichiteerana, mapenjeni achakwira kuti 0.25%, izvo zvinoenderana neRegional Revaluation Index yemapensheni, iyo inotsanangurwa muMutemo 23/2013, ndiyo yakadzika zviri pamutemo yakatangwa uye inofungisisa mari nemari zvinoshandiswa pachirongwa ichi, ichisimbisa kuwedzera kushoma kwe0.25%, uye huwandu hweCPI, mu kuwedzera ku0.50%.
Iko kushoma kwemudyandigere wepension mu2018
Dzimwe nguva, mudyandigere wauri kukodzera wakaderera kwazvo, ndipo panotsanangurwa hushoma, muganhu wezasi kuyedza kukwana kuti ubhadhare mari shoma. Izwi rinoshandiswa pane izvi rinowedzeredza uye rinoreva makotesheni akaitwa pa mudiki mudyandigere uye nemari yezita rawakapihwa. Kuti ugamuchire ichi chidiki chekuwedzera uye uwane mukana wepenji, zvinofanirwa kunge uchigara mudunhu renyika.
Iye munhu ane penjeni, ndokuti, mudyandigere ane pension yakatsanangurwaNekudaro, nekuda kwemamiriro avo chaiwo ewanano, uye zera zvakare chinhu chinofungidzirwa kuti chisimbise miganho yemudyandigere mudiki, zera remupi wepension rinogona kana kuti ringave risingasviki makore makumi matanhatu nemashanu.
Iyo chaiyo yemuchato mamiriro emurapi wepension inogona kuiswa mune imwe yeaya matatu akasiyana:
- Nemurume kana murume asingavimbe naye
- Ndiine wawakaroorana naye
- Hapana mukadzi
Iye murume kana mukadzi waanovimba naye zvinoreva kuti munhu ane hukama hwewanano nemunhu ari pamudyandigere anoenderana nemari kwaari. Izvi zvinonzwisiswa apo munhu anogara nemudyandigere haasi iye mubati wepenjeni Naizvozvo, kutsamira mune zvehupfumi kunokurudzira huwandu hwenzvimbo iyo vese vanogona kuwana, uchifunga nezve chero imwe mari yemhando ipi neipi, iri pasi pe € 8.321,85 pagore.
Kana zvirizvo, kuti mari yemapati maviri iri pasi peiyo huwandu, pane chinowedzerwa chakaenzana nemusiyano, chakagoverwa pakati penhamba inoenderana yemabhadhariro emwedzi. Iyo shoma yekuwedzera muripo haibvumirwe kudarika huwandu hwepension iyo ingangowirirana kana paine vabatsiri vaviri vane mvumo yekuwana pensheni kana paine waanovimbika naye.
Kuenda pamudyandigere kukora
Pane zvinhu zvitatu zvakakosha zvinoratidza kuti mari yako yemudyandigere inofanira kunge iri yakawanda sei:
Makore ese echinyorwa:
Iyi iri panguva yehupenyu hwese hwekushanda, nekuti nemakore gumi nemashanu ekupa zvipo, 15% yeRegulatory Base inogona kuwanikwa (inozotsanangurwa pazasi) uye iri kuwedzera kusvika pazvinokwanisika kuwana zana muzana reGwara Rinodzora, zvirinani Makore makumi matatu nemashanu nehafu yemipiro muna 50 (chinhu ichi chinosiyana kusvika gore ra100, ipapo pasingasvike makore makumi matatu nemanomwe emipiro ichadikanwa kuti isvike 35% yeRemugodhi Base.
Makore akafungidzirwa:
Izvo zvinokwanisika kutarisira imwe nhamba yemakore ekurega kwedu basa, kana isu tichitya mukana wekuwana imwe yemaitiro anofungidzirwa neGeneral Mutemo weSocial Security Yekutanga Kurega Basa.
Regulatory Base:
Iyi ndiyo arithmetic inoreva kuti inovandudzwa pamwe nekusiyana kweiyo CPI yemari yakaitwa neChipupuriro Mabhesi mune yakatarwa nhambo yenguva: Muna 2018, makore makumi maviri nerimwe kusati kwaenda pamudyandigere, kuwedzera kusvika muna 21 ichave makore makumi maviri nemashanu.
Kana makore mashoma akapihwa kuhurongwa kana nhoroondo yemupiro ndeyezvigaro zvakaderera, tichifunga makore anopfuura gumi nemashanu kuti ive nekwaniso yekuve nekodzero yekupihwa mari yepenjeni yekurega basa, pane mukana mukuru wekuti huwandu hwe iyo pension pamudyandigere, kunyangwe iri yakawandisa, yakaderera. Uye mune chimwe chikamu, kana mipiro yanga yakakwira kwazvo uye pension yekurega basa yave iri muzvipo kwemakore mazhinji, ichave yakanyanya kukwirira. Saka Sisitimu inoedza kuona kuti paine kugoverwa patsva kwemari, zvekuti mapensheni akakwirira ane muganho uye mapensheni akaderera ane hushoma.
Retirement Pension Distribution mushure memakore makumi matanhatu nemashanu
- Iine mukadzi waunotarisana naye, zvakaenzana nemari yemwedzi ye € 788,90 uye pagore kusvika € 11.044,60.
- Pasina murume kana mukadzi zvakaenzana nemari inoita 693.30 pamwedzi uye 8.950,20, XNUMX pagore.
- Nemurume kana murume asingavimbe naye, zviri 606,70 pamwedzi uye 8.593,89 pagore.
Kurega Pension Distribution isati yasvika makore makumi matanhatu nemashanu
- Iine wawakaroorana naye, zvinoenzana nemari yemwedzi nemwedzi ye739,50 uye 10.353,00 pagore.
- Pasina murume kana mukadzi zvakaenzana nemari inoita 598,00 pamwedzi uye 8.372,00, XNUMX pagore.
- Nemurume kana murume asingavimbe naye, ivo vari 565,30 pamwedzi uye 7.914,20 pagore.
Kugovaniswa kweMudyandigere Pension kubva mukuremara kwakakomba
- Iine wawakaroorana naye, zvakaenzana nemari yemwedzi ye1.183,40 uye 16.567,60 pagore.
- Pasina murume kana mukadzi zvakaenzana ne959,00 pamwedzi uye 13.426,00 pagore.
- Nemurume kana murume asingavimbe naye, iri 910,10 pamwedzi uye 12.741,40 pagore.
Kurega pension yekuremara kwakakomba (kuremara zvachose)
- Iine wawakaroorana naye, zvakaenzana ne1.183,40 pamwedzi uye 16.567,60 pagore.
- Pasina mumwe wako waanovimba naye, zviri 959,00 pamwedzi uye 13.426,00 pagore.
- Nemurume kana murume asingavimbe naye vari 919,10 pamwedzi uye 12.741,40.
Retirement Pension Distribution yehurema zvachose
- Nemurume waunovimba naye, ivo vari 788,90 pamwedzi uye 11.044,60 pagore.
- Pasina mukadzi, iwo ari 639,39 pamwedzi uye 8.950,20 pagore.
- Nemumwe wako ASINA mutariri, ivo vari 606,70 pamwedzi uye 8.493,80 pagore.
Retirement Pension Distribution yehurema hwakazara zvachose
- Nemurume kana mukadzi waunovimba naye, ivo vari 739,50 pamwedzi uye 10.353,00 pagore.
- Pasina mukadzi, zvakaenzana ne598,00 pamwedzi uye 8.372,00 pagore.
- Nemurume kana murume asingavimbe naye, zviri 565,30 pamwedzi uye 7.914,20 pagore.
Minimum pension kugovera kwechirikadzi
Iine vanovimba nemhuri, zvakaenzana ne739,59 pamwedzi uye 10.353,00 pagore.
Nemakore makumi matanhatu nemashanu kana hurema, ivo vari 65 pamwedzi uye 639,30 pagore.
Pakati pemakore makumi matanhatu nematanhatu, iwo ari 60 pamwedzi uye 64 pagore.
Pasi pemakore makumi matanhatu, ivo vari 60 pamwedzi uye 484,20 pagore.
Minimum mudyandigere mudyandigere muna 2017
- Pazera remakore makumi matanhatu nemashanu, nemumwe wako waaitarisira, yaive € 65 pamwedzi. Pasina wawakaroorana naye, yaive € 786,90 pamwedzi. Nemurume kana murume asingavimbe naye, yaive 637,70 pamwedzi.
- Kurega basa pasi pemakore makumi matanhatu nemashanu ezera kwakaenzana, newawakaroorana naye, we € 65 pamwedzi. Pasina mukadzi, yaive € 737,60. Iine mukadzi asingavimbe naye, yaive € 589,36 pamwedzi.
- Nemakore makumi matanhatu nemashanu ekuremara kwakakomba, nemumwe wako waaitarisira, yaive 65 pamwedzi. Pasina wekuroora kana kuroorwa, yaive 1180,40 uye neasina-anovimba naye, yaive 956,50 pamwedzi.
- Kune rimwe divi, muganho wemari yegore remubhadharo wepasi, pasina pension yakaverengerwa, yaive € 7.116,18 isina murume kana mukadzi uye € 8.301,10 nemumwe wako waanovimba naye.
Maximum pamudyandigere mudyandigere muna 2018
Mu 2018, huwandu hwakawanda hwepenjeni ndeye 36.121,82 euros pagore. Kana mapenjeni maviri akagamuchirwa, huwandu hwayo haugone kukwirisa kupfuura muganho wakanyanya.
Sezvo paine Yekutanga Kuenda pamudyandigere, pamusoro peiyo kudzikamisa kuenzana kweRegulatory Base pamberi, Huwandu hunokonzerwa nepenjeni haugone kudarika huwandu hunobva pakuderedza muganho wepamusoro ne0.50% kota yega yega. Nekudaro, iyo yakanyanya mari yekusiya mudyandigere inogona kuwanikwa kana kugadzirwa kuchitanga pazera zera.
Nekudaro, iyo yakatarwa yepamusoro pension muganho inogona kupfuurwa kana paine maternity yekuwedzera, ichiwedzera kubva pa5% kusvika pa15% zvichienderana nekuti huwandu hwevana ndi2, 3, 4 kana kupfuura uye nekurebesa hupenyu hwekushanda pamusoro pemudyandigere zviri pamutemo zera apo mukana wepenjeni yemudyandigere unoitika pazera rakakwirira kupfuura zera rakajairwa, uye nekuda kwechikonzero ichi imwezve muzana ichaonekwa pagore rega rega yezvipo munguva iri pakati pezuva rekusvika zera iro uye neyechiitiko chinokonzera mudyandigere. .
