Chimwe chezvinhu zvikuru zvinodiwa kuti uwane mari yepenjeni ndeyekupa mashoma makore gumi nemashanu kuburikidza nenhoroondo yebasa remunhu anenge achinyorera. Nekudaro, kumwe kwekufungidzira kunogona kuitika ndekwekuti anouya mudyandigere haasati asvika panguva ino yemupiro. Kusvika pakuti vanogona kukwana makore mashoma kwazvo- kana kunyangwe mwedzi - kuti uwane uku kufunga panguva yako yekutora basa kutenderera. Dai izvi zvaive zvakadaro, ungadai usina kurasikirwa nezvose nekuti zvaigona kuburitsa iwo makore kana mwedzi iyo yawakasiya uchitora kuburikidza akasiyana nzira kuti isu tichakufumura iwe muchinyorwa chino.
Chero zvazvingaitika, kana iwe usina Makore gumi nemashanu ekunyora Iyo mudyandigere yakadomwa semupiro haigone kuunganidzwa. Asi, ivo vanongogona kuwana iyo isiri-inobhadhara pension kana vakakwanirisa nhevedzano yezvinodiwa, pakati pazvo zvinotevera kumira pachena: panofanirwa kuve neanosvika makore maviri emipiro mukati memakore gumi nemashanu pamberi pechizvarwa chemari iyi yemunhu. Zvakare sekunge yasvitsa makore makumi matanhatu nemashanu emakore, uye kuti kubva mugore ra15 ichakwira kusvika pamakore makumi matanhatu nemanomwe uye zvishoma nezvishoma.
Kana zvese izvi zvinodikanwa zvikaitika, iwe unenge uchikwanisa kuwana iwo mudiki mupiro wepension. Iko kubva gore rino ivo vakura kuve pamusoro pemazana manomwe emaeuro, kunyangwe vachifunga dzakateedzana mapango akadai seakataurwa pazasi:
- Retirement pension yemubati ane makore 65 kana kudarika
- Mukuzvibata nemurume kana mukadzi waunovimba naye, 810,60 euros. Pasina mukadzi, 656,90 euros. Iine asiri-anovimba naye mukadzi 623,40 euros.
- Retirement pension yemubati pasi pemakore makumi matanhatu nemashanu ekuberekwa
- Mukuzvibata nemurume kana mukadzi waunovimba naye, 759,90 euros. Pasina mukadzi, 614,50 euros. Iine asiri-anovimba naye mukadzi 580,90 euros.
Kwete kusvika makore akanyorwa
Chero zvazvingaitika, uye mukufungidzira kuti mushandi haasvike pachiyero chemakore gumi neshanu akashanda nekupa, anofanirwa kushandisa akateedzana mafomula kuzadza iwo mashoma makore asara kutevedzera zvinodiwa parizvino zvepenjeni. Iyi ndiyo ichave mhinduro chete kusvika padanho iri rehupenyu nemari yepenjeni yakaderera kana shoma. Iko mune dzimwe nguva, pachave pasina mumwe mushonga kupfuura wedzera kushanda hupenyu kusvika pakuzadzisa zvinangwa zvevanhu ava. Nekuti kana zvisiri, ivo vaizomanikidzwa kukumbira rubatsiro rwemagariro rwusingapfuure mazana mana emaeuro mwedzi wega.
Nechikonzero ichi zvakakosha kwazvo kuronga iyi yakakosha nhanho yehupenyu uye mune ino pfungwa hapana chiri nani pane kukumbira iyo nhoroondo yebasa pamberi pevakuru vakuru. Icharatidzwa mafambiro ese uye makore ese awakashanda uye kunyangwe mune diki diki. Iri igwaro riri nyore kuwana uye mahara. Mumazuva mashoma iwe unenge uchikwanisa kuva nacho padhuze kuti uzive izvo chaizvo mamiriro ehupenyu hwako hwebasa kutarisisa zvakanyanya panguva yekurega basa.
Minimum pension: yakakwira seyako-inoshanda wega
Kana uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge taita makore mashoma kana mwedzi yakati wandei kuti uwane mukana wepenjeni zadza iri gwanza rebasa kunyoresa semushandi anozvishandira uye yenguva yaunoda kusvikira wasvitsa makore gumi nemashanu. Unofanirwa kubhadhara muripo mwedzi wega wega wepasi pechipo chaunoda, kunyangwe iwe uchifanira kuziva kuti ichi chakakwirira, ndiko kuwanda kwehuwandu hwepenjeni yako inotevera. Ichi chiito chinogona kuitwa kwenguva yakareba sezvaunoda, kubva pagore rimwe chete uye kusvika kune risingapfuure huwandu zvichienderana nezvinodiwa chaizvo zvekurega basa.
Kune rimwe divi, panguva ino iwe unogona kubatsirwa kubva kune yakadzika mwero yevanoshanda mahara uye izvo zvinoreva kuti ubhadhare huwandu hwe 50 euros inonyoreswa semunhu anozvishandira. Mupfungwa iyi, kubva muna Ndira 1, 2018, iyo nguva yemutengo wakadzikiswa we50 euros kune vatsva vanozvishandira yakawedzerwa kusvika pamwedzi gumi nembiri, panzvimbo pematanhatu kusvika zvino. Kuwedzeredzwa kwemutengo wakadzikiswa wevanozvishandira vanoita kana kuita zvekare chirongwa chakarongwa paakaundi yavo kwakaitwa kuburikidza nekushandurwa mumazwi echinyorwa cheLETA.
Hapana kuburitswa mumakore maviri apfuura
Pane kudaro, zvinodawo kuti iwe utarise kubva zvino zvichienda mberi kuti ubatsirwe neichi chiyero chehurongwa iwe haufanire kunge wakanyoreswa semushandi wekuzvishandira mu makore maviri apfuura (vatatu kana iwe wakambonakidzwa nebhonasi). Mutemo wekushandurwa kwekukurumidza kwekuzvishandira wakapfupisa nguva kubva pamakore mashanu kusvika maviri kune vatsva vanozvishandira, kunze kwemubatsiri anozvishandira uyo anochengeta zvinodiwa zvepakutanga zvemakore mashanu
Nezve huwandu hwayo, zvinofanirwa kucherechedzwa kuti inowedzera zvishoma nezvishoma uye pamusoro pemwedzi. Huwandu hweiyo mwero wekupatsanuka unosiyana mukati memwedzi yekutanga yechiitiko, maunowana zvikamu zvitatu zvekudzikiswa pane shoma mupiro wepasi uye ndeapi anotevera atinokufumura pazasi:
- Kutanga 12 mwedzi: 50 euros kana uchigona kutora mabheseni akakwirira kupfuura iwo akasimbiswa mashoma (932 euros).
- Mwedzi 12 kusvika 18: 50% kuderedzwa panguva yechipiri semester, iyo yaizoramba iri pa139,43 euros pamwedzi.
- Mwedzi 18 kusvika 24: yaizowedzera kusvika yasvika iyo 195,24 euros pamwedzi.
Chibvumirano chakakosha neSS
Imwe sarudzo yekuwana makore mashoma paunosiya basa ndeyekuisa chibvumirano neSocial Security. Ichi ndicho chinonzi chibvumirano chakakosha uye chibvumirano nekuzvipira kunyorera nemushandi iye pachake uye waanofunga kusarudza kubhadhara zvisipo zveSocial Security. Izvo zvinoratidzwa kana iwe waburitswa uye iwe uchida kutangazve hukama uhu kuti iwe ugone kuverengerwa kune kuenda pamudyandigere. Ndokunge, kuti iwe ugone kubatsira zvakare wega uye izvo zvinofukidza zvachose hurema, kufa uye kupona mabhenefiti, yakabva kune yakajairika kurwara uye isiri-yebasa tsaona, pamudyandigere uye nzanga mabasa
Nekudaro, kudzikisira kwayo kukuru ndekwekuti mari idzi dzinenge dzichida zvakanyanya kupfuura kuburikidza neyakaenzana mutengo wevashandi vanozvishandira. Kubva pamaonero aya, inofanirwa kuve yekupedzisira nzira yaunofanirwa kuenda kunotora mari yako yepenjeni mumwedzi iri kuuya. kwete pasina, zvinoreva a kuedza kukuru kwehupfumi kuburikidza nekubhadharwa kwezvikamu zvavo zvepamwedzi. Ndeipi mari yekubhadhara? Mupfungwa iyi, unogona kusarudza pakati pesarudzo dzinoverengeka, kunyangwe hazvo iwe uchikwanisa kusarudza iyo yepasi parizvino mupiro base, sezvinoitika nemari yeva freelancers. Iko, coefficient ye0,94 ichaiswa kune base mupiro. Kune rimwe divi, zvinofanirwa kutaurwa kuti nguva yechibvumirano chakakosha ichamiswa panguva dzevashandi.
Mumamiriro ekuwana pension
Nezvirevo zviviri izvi hauzove nerudzi rwematambudziko kuti uwane mari yako yepenjeni. Wani huwandu, uye mushure mekudzokororwa kwekupedzisira kwegore rino, zvinoverengerwa kutenderera mazana manomwe emaeuro mwedzi wega. Chero zvazvingaitika, zvinoenderana nehunhu hwevanonyorera.
Kune vabati vane makore makumi matanhatu nemashanu:
Iine waunodanana naye: 10.988,60 euros pagore.
Pasina mukadzi (mumwe-munhu hupfumi unit): 8.905,40 euros pagore.
Iine asiri-anovimba naye / mukadzi: 8.449 XNUMX euros pagore.
Kune vabati vari pasi pe65:
Iine waunodanana naye: 10.229,80 euros pagore.
Pasina mukadzi (mumwe-munhu hupfumi unit): 8.330 euros pagore.
Iine asiri-anovimba naye / mukadzi: 7.872,20 XNUMX euros pagore.
Yekugadzirisa inogadzirisa
Chero zvazvingaitika, uine makore gumi nemashanu kana gumi nematanhatu emipiro, iwe unongotora iyo 50% yenzvimbo yemupiro uye kana izvi zvave zvakadzikira kwazvo, mudyandigere unogona kunge wakadzikira zvishoma pane mazana mashanu emadhora. Nekudaro, mune izvi zviitiko muripo wekugadzirisa unoshandiswa kuitira kuti pension yako yemubhadharo ive shoma inosimbiswa. Chero zvazviri, iwe unofanirwa kutevedzera zvakateedzana zvezvinodiwa uye chimwe chezvakanyanya kukosha ndechekuti hauna mari yegore inopfuura 500 euros. Nekuti kana kukanganisa kweiyi poindi, mudyandigere waizobviswa otomatiki uye kusvikira wagadzirisa dambudziko zvinogutsa.
Kune rimwe divi, iwe haugone kukanganwa kuti iyi pension ichave yehupenyu hwako. Nekuwedzera, kana kuripo, kweongororo dzinoitwa gore rega rega. Pasina chero nguva iwe unogona kusiyanisa kana kugadzirisa huwandu hwayo. Iyo imari isingachakwanise kuchinjwa uye ndosaka zvichikosha kuti uronge kuenda pamudyandigere pamwe nekutarisira. Iwe unogona kutobvumirana chigadzirwa chemari kuti uwedzere simba rako rekutenga panguva ino yehupenyu hwako. Semuenzaniso, zvirongwa zvepenjeni kana mari yekudyara.
Mune zvimwe zviitiko, nezvinonakidza zvemitero kuitira kuti iwe ubhadhare mari shoma gore rega rega. Kuti pension yako ive pamusoro. Mupfungwa iyi, unogona kusarudza pakati pesarudzo dzinoverengeka, kunyangwe hazvo iwe uchikwanisa kusarudza iyo yepasi parizvino mupiro base, sezvinoitika nemari yeva freelancers. Iko, coefficient ye0,94 ichaiswa kune base mupiro.