Kunyangwe iwe uri mudiki uye ane simba munhu, hazvisi nyore kuti iwe ukanganwe kuronga kwakakodzera kwekurega basa uye unogona kunakidzwa nesimba rakakura rekutenga mumakore egoridhe. Kune rimwe divi, kune zvakare kurudziro inoitwa nevakuru vezvematongerwo enyika nezve kudiwa kwekuve nekuwedzera panguva yekurega basa. Tichifunga nezve njodzi yekuti hurongwa hweveruzhinji hungatadze kukupa iwe muhoro unokwezva zvakakwana ku gutsa zvido zvako zvakakosha. Saka ndicho chimwe chezvinangwa zvaunofanira kuzviseta kubva ikozvino.
Beyond iyo pension yauchazotora kana iwe uchienda pamudyandigere, iwe unofanirwa kuziva kuti une dzimwe nzira dzinoverengeka wedzera iyi yemari inowanikwa. Kuburikidza nemazano akasiyana, mamwe anozivikanwa newe, asi zvirokwazvo vamwe vachakushamisa naivo mavambo. Chero zvazvingaitika, zviri nyore kwazvo kuti iwe uzvitorere mukufunga kana zvikaenderana neprofile yako. Chero zera rauri panguva ino, kuti ugadzire bhegi rekuchengetedza rakatarisana kutarisana neaya makore ehupenyu hwako.
Chikamu chakanaka chavo chinobva mukudyara mukati misika yemari, asi pasina kukanganwa chero nguva iyo yakagadziriswa. Kuti ubatsire pensheni yako nenzira inogutsa inogoneka yekukunda mune iri dambudziko rakaomarara rauchazove naro mumakore ano ehupenyu hwako. Asi kubva zvino zvichienda mberi, ichave nemazano akati wandei ekuti ichi chishuwo chakakosha zvakanyanya kuti chikamu chikuru chevateresi munyika medu vave nacho. Iko kune imwe yepenjeni yakaderera kwazvo munzvimbo yeeuro inofungidzirwa.
Kurega basa muSpain
Chokwadi chekuti gore rakapera rakatisiya chakavakirwa pachokwadi chekuti zvishoma kupfuura makumi mana muzana yevashandi munyika medu vanoona yegore rose yemari muhoro isingasviki 16.982 euros. Iyi mari ndiyo mari inobhadharwa neHurumende kune vari pamudyandigere weGeneral Regime. Izvi zvinoratidzwa neongororo ichangoburwa yeMain Employment Wage, yakaburitswa neNational Institute of Statistics (INE). Nekudaro, pakupera kwa2017, avhareji yepenjeni muSpain yakamira pa925,85 euros pamwedzi, inomiririra kuwedzera kudiki kwe1,84% zvichienzaniswa nenguva imwechete yegore rapfuura.
Chero zvazvingaitika, panorama yekuda kuziva iri kugadzirwa mumakore achangopfuura, ayo ane huwandu huri kuwedzera hwevane pension vanowana mari inopfuura yevashandi vanoshanda. Mhedzisiro iyi inogona kukonzera mhedzisiro isingadiwe kana nguva yako yekurega basa yasvika. Kusvika padanho rekuti ivo vanogona kudzikisa iyo huwandu kune kudzikisa huwandu hwevanopa. Ichi ndicho chimwe chezvikonzero zvinoita kuti zvive zvinonakidza kwazvo kuti watochengetedza sosi yekuwedzera mari iyi: Unoda kuziva kuti ndeapi anoshanda kwazvo panguva ino? Zvakanaka, nyatsoteerera kuitira kana uchifanira kutendeukira kwavari kubva zvino zvichienda mberi.
Mari yekudyara yekurega basa
Ehe ndiyo nzira yakazvimiririra yeku kunatsiridza yako yekutenga simba mumakore egoridhe ehunyanzvi hwekurega basa. Ichi chigadzirwa chemari chinokutendera iwe zvishoma nezvishoma modhi yekuchengetedza kuti unakirwe nayo mune yako nyanzvi pamudyandigere makore. Nekuchinjika kukuru kupfuura kuburikidza nezvimwe zvigadzirwa zvakagadzirirwa kudyara. Nekuti iwe ndiwe uchave unosarudza mari yemipiro inoenda kumari gore rega. Kubva panguva iwe yaunofunga kuti yakakodzera kwazvo kutanga kuita uku kwekurega basa uye zvichibva pane zvako chaicho zvemari zvinodiwa.
Imwe yemabhenefiti ayo akakosha iri muchokwadi chekuti iwe unogona kusarudza kuenzana, mari yakatarwa kana mamwe mamodheru. Saka kuti nenzira iyi, iwe unogona kuzadzikisa chimwe kana zvimwe zvinangwa zvekugadzira homwe yekuti nguva yekurega basa painosvika pabasa rako. Nekudaro, uku kurongeka kwemari kwakanyanya kukurudzira kuti iwe ushandise. kubva pamakore makumi matanhatu. Iine chikwereti chemari yemari chinogona kuve chakasiyana kwazvo. Kuti ndikuchengetedze kubva pazviitiko zvisingafadzi zvemisika yemari. Iko iko homwe yekudyara iwe kwawakaisa mari yako sevha inogona kutotadza kukosha.
Zvirongwa zvekurega basa
Chero zvazvingaitika, chigadzirwa chakanyanya kunangana nekutora basa hapana mubvunzo chirongwa chekurega basa. Nekuti icho chigadzirwa chaicho chakanangana nekugadzira chengetedzo kana chiridzwa chekudyara icho chakanangwa kufukidza zvimwe zvinoitikaNekudaro kushomeka kwemari, musiyano wayo mukuru pakati pevamwe, uchienzaniswa nezvimwe zvigadzirwa zvemari. Gore rega rega unoisa mari yekuti nguva yekurega basa yasvika. Zvichienderana nekuwanikwa kwako kwemari zviwanikwa, unogona kuwedzera bhegi iri rekuchengetedza.
Kune rimwe divi, imwe yeakanyanya kunaka maitiro ehurongwa hwekurega basa anogara mukuti inogona kudzikisira yako mutero yesitatimendi yemari uye, nekudaro, dzikisa huwandu hwemitero. Nekuda kweichi zano, iwe unozokwanisa kubhadhara mari shoma kune uyu mutero kana, zvinopesana, wedzera iyo kudzoserwa iyo iwe yaunofanirwa kupihwa gore rega. Kungofanana iwe paunogona kuita imwe mhando yekununura-imwe usati warega basa. Chero bedzi mamwe mamiriro ezvinhu anotevera achiitika: kutadza kushanda, chirwere chakakomba, mamiriro ekutsamira, kufa kwemuridzi, kushaya basa kwenguva refu,
Fixed mari kuburikidza nezvikamu
Iyi ndiyo imwe nzira yepakutanga iyo inogona kukupa iwe neimwe mari yegore negore inosvika ku8%. Nenzira yakasimbiswa zvakakwana, zvisinei nekushanduka kwesosi yemasheya mumisika yemari. Nekuti usakahadzika kuti zvikwereti zano rekuva nemari yekuwedzera imwe yenguva yekuchembera. Uine bhenefiti yakawedzerwa yekuti iwe unozogona kuita inobatsira pundutso kuburikidza nekoteti yehunhu. Iyo sisitimu iyo yakanaka chikamu chediki nepakati varimi vanoenda kwairi. Kunyanya, kuitira kureruka kwekusarudza iyi mhando yemari inowanikwa gore rega rega.
Uye zvakare, iwe une zvakasiyana siyana zvirevo kana ukasarudza mibairo. Kusvika padanho iro ruzhinji rwemakambani akanyorwa achigovera uyu muripo kune avo vagovana, ivo vanowanikwa mune yakasarudzika index yeSpanish equities. Kugadzira kudzoka pane kuchengetedza izvo iri pakati pe3% ne8%. Nemari yakatarwa uye yakavimbiswa gore rega rega. Kwamunogona kuzviunganidza kuburikidza neakasiyana ma periodicities: makota matatu, semi-gore kana pagore. Chero zvazvingaitika, chikamu chemagetsi ndicho chinopa zvakanyanya kupa iyi kudzoka pamugove. Nemaitiro akasimba saIberdrola, Red Eléctrica Española, Endesa kana Enagás, pakati pezvimwe zvakakosha.
Zvirongwa zvepenjeni zveinishuwarenzi
Iyo inozivikanwa zvakare sePPA, iri imwe nzira inogona kugutsa zvishuwo zvevanochengetedza zvakanyanya. Nechikonzero chiri nyore kwazvo chekutsanangura uye icho chiri nekuti kuvimbisa purofiti nemusoro. Uyu ndiwo musiyano mukuru unounza zvine chekuita nezvechinyakare zvirongwa zvepenjeni. Nekuti kune rimwe divi, ichi chigadzirwa chinochengetedza zvakafanana mutero zvakanakira seizvi. Iyi inzira yekuve nemari yakachengeteka panguva chaiyo yekurega basa.
Mukati meboka iri, zvinonzi PIAS. Mune ino kesi musanganiswa pakati pezvirongwa zvepenjeni neinishuwarenzi yekuchengetedza. Chero zvazvingaitika, vanokuvimbisa hupenyu hwehupenyu hunogona kukubatsira iwe kuwedzera pension nenzira inogutsa zvinoenderana nezvaunoda iwe pachako. Beyond iyo purofiti inogadzirwa neichi chigadzirwa uye iyo isiri yeimwe yepamusoro pamusika. Kune rimwe divi, iwe unogona kugara uchiita chaiwo kununura usati wasvika makore gumi. Asi nedonhwe diki sezvazviri kuti haufadzwe nemitero yayo.
Inishuwarenzi yekuchengetedza
Chekupedzisira, pane ichi chigadzirwa chemari chinotarisana nekugadzira mari yekuchengetedza mukati memakore ehupenyu hwako. Kunyangwe iri imwe yemamodeli ayo anoratidza yakaderera mari yechimbadzo uye inotarisirwawo kune imwe nzvimbo inodzivirira yevatengesi. Kupi kuchengeteka kunokurira pamusoro pezvimwe zvinotyisa kufunga. Kwete zvisina maturo, zvinovakirwa pachokwadi chekuti iwe unozowana izvi kushomeka mushure memakore mashoma ekuzvigadzira. Kwete izvozvi uye chero zvazvingava zvinoenderana nemari inochengeterwa muchigadzirwa ichi kuitira kudyara kweva pension.
Chero zvazviri, uye mushure mekutsanangura idzi sarudzo dzegoridhe makore, chinhu chinonyanya kurairwa ndechekuti iwe uongorore mamiriro ako chaiwo uye kunyanya izvo zvaunoda kubva panguva dzakakosha muhupenyu hwako. Saka kuti nenzira iyi, unogona kusarudza mafomati ekuchengetedza anonyatsoenderana nemamiriro ako epamoyo. Uye izvo zvikazoitika, chichava chigadzirwa chakasiyana, kunyangwe chiine dhinomineta kune vese. Izvo hazvisi zvimwe kunze kwekugona kwekuti iwe uve nemari yakatarwa kubva pamudyandigere.