Maitiro ekuverenga yako pension kana iwe uchizvishandira

zvionera mudyandigere

Mushure me shanduko yemudyandigere, Unogona kutowana mudyandigere uri nani kune vanozvishandira, zvisinei, uchiri chinhu chitsva zvakadaro, vanhu vazhinji havazive maitiro ekuziva kuti ndeipi mudyandigere inoenderana nemunhu wega wega kana uchizvishandira.

Chii chinoitika kana munhu anozvishandira asvika zera rekurega basa

Kana munhu anozvishandira achisvika zera rekurega basa, anowanzo gamuchira pension, zvisinei zvaari mudyandigere wakaderera zvishoma kupfuura iyo yevanhu vanga vachishanda muhutongi hwevanhu.

Iyi penjeni ingangoita 465 euros pamwedzi. Chikonzero chikuru cheichi ndechekuti Mazhinji evanozvishandira vanopa pasi peiyo shoma base kuitira kuti ubhadhare zvishoma sezvinobvira panguva yekunyorwa muhupenyu hwako hwese. Ichi chinhu chiri nyore, iyo shoma mari yaunobhadhara panguva yemipiro yako, iyo shoma mari yaunogamuchira kana zvasvika pakutora mudyandigere.

Zvinokurudzirwa here kutora zvishoma?

Uyu mubvunzo une vakawanda vanhu vanoshanda sema freelancers. Ichokwadi kuti kana iwe ukaburitsa zvakaderera sezvaungagone, muhupenyu hwako hwese uchafanirwa kubhadhara yakaderera kwazvo mari, nekudaro uchidzivirira kuve nekusiya rinenge rose mubhadharo wako mu social security kubhadhara. Nekudaro, ipfumo rinocheka nekwose, sekusvika kwako pa nguva yekutora mudyandigere, une pension yakaderera iyo nguva zhinji isingapi kuti urarame.

Chinokosha ndechekutengesa zvakakwira kweinenge gumi neshanu kusvika makumi maviri nemashanu emakore usati waenda pamudyandigere kuitira kuti kana yasvika nguva yeku unganidza mudyandigere tinogona kuve nemari yakaenzana inotibvumidza kurarama zvakanaka.

Iri sei hurongwa hwekurega basa nhasi

Kubva Ndira 1, 2013 mairi iyo yekupedzisira shanduko yakaitwa.

pension yekuzvishandira

Mamiriro ezvinhu eiyi nyowani yekusiya sisitimu kune vanozvishandira anoenderana neanotevera mapoinzi.

• Zera rekurega basa kwemunhu anozvishandira rinofanira kunge riri makore makumi matanhatu nemashanu nemwedzi mumwe chete. Zvinotendwa kuti na65 zera richava makumi matanhatu nenomwe.
• Kana munhu achizvishandira achida kutora nguva yekuenda pamudyandigere nekuzvidira, zvinogona kukumbirwa pazera ramakore makumi matanhatu nematatu, asi vanofanirwa kuve nemakore makumi matatu nemashanu ekupa zvipo.
Kuti uwane mudyandigere mudiki, unofanirwa kunge uine makore gumi nemashanu emipiro
• Mari iyo munhu wega anozvishandira anowana inoenderana nemakore ekupira uye huwandu hwemari yakabhadharwa nemunhu wese.

Iyo pension inogona kuverengwa sei

Mushure mekugadziriswa, iyo nyowani yepenjeni kuverenga nzira inoenderana nemitemo yakajairika inobata vamwe vashandi.

  • Izvi ndizvo zvinhu zvinofanirwa kutarisirwa kuzviita
  • Unogona kusarudza izere basa nekuchengetedzeka munharaunda. Inowanikwa kana makore makumi matatu nemasere nemwedzi mitanhatu zvakapihwa kuchengetedzeka munharaunda.
  • Iwe unofanirwa kuziva iyo yakaderera nguva yeiyo quote
  • Huwandu hushoma hwemakore iwe hwaunopa ndeye makore gumi nemashanu uye iwe unokwanisa kuwana iyo yakazara penjeni kune vanozvishandira vega kubva pamakore makumi matatu nemashanu.

Ndeipi huwandu hwepenjeni

Kuziva iyo Mari yakazara iyo yatinozotora, zvinoenderana nemari yakabhadharwa mwedzi nemwedzi kune iyo makore emakore akabhadharwa.
Chiyero chakatorwa mukuita kuti kuverenga uku kwasvika 50% kana chete makore gumi nemashanu akanyorwa uye kusvika 0% kune vanhu vakapa zvinopfuura makore makumi matatu nematanhatu.

Iko kupihwa kweiye mushandi akazvishandira kunowedzera nezera?

pensions

Vazhinji vanozvishandira, kuitira kuti vawedzere mihoro yavo kana vangoenda pamudyandigere wedzera huwandu hwemari yepenjeni mushure memakore makumi mana nemasere. Izvi zvinoreva kuti mumakore mashanu chete, mudyandigere urikugamuchirwa unogona kubva ku5 euros kuenda ku445.91.

Kuiwana huwandu hwepenjeni mukuchengetedzwa kwevanhuMushure mezera ramakore makumi mana nemaviri, mushandi wega wega anofanira kubhadhara huwandu hwemazana mashanu kusvika mazana matanhatu emadhora pamwedzi uyezve ave nemipiro yemakore makumi matatu kana kupfuura pasina kukanganiswa

Unogona kuva ne kuva nebhizinesi nekutora mudyandigere

Imwe bhenefiti yeshanduko ndeyekuti iyo social security pension yevakazvishandira inoenderana zvakakwana pamwe nekwaniso yekuve neyako bhizinesi muridzi.

Ita wega-kuverenga kweye mudyandigere pamudyandigere

Kuziva chii chinonzi nzira yakanakisa yekuverenga mudyandigere, kuchengetedzeka munharaunda kune online system inoita kuti iwe uzive kuti yako yepension penhamba ichavei. Mune ino kesi, chaunoda kuisa iyo data rese rainokumbira, senge nguva dzekunyoreswa nechengetedzo yemagariro uyezve mabheseni emipiro awakambove nawo mumakore apfuura.

Ungawana sei ruzivo urwu

Kana iwe usina iyi data, unogona kukumbira iyi data nefoni pasocial security kana kutomboitarisa online.

Kukurudzira kushingaira kukwegura

pensions yakazvimirira

Kuti ubatsire vanhu mushure mekurega kwavo basa, imwe nhanho yakatenderwa kubvira 2013 ndeyekuti vanhu vanogamuchira penjeni vanogona ita kuti pensheni ienderane nebasa mavanobhadharisa kanokwana 50% yemudyandigere. Kune izvi, munhu anofanira kunyoresa seanoshanda pensioner.

Ndiani anotonga zviyero uye zviyero

Iyo yekuchengetedzeka kwenzvimbo ndiyo inotarisira kumisikidza gore rega rega inova ndiyo yakadzika uye yepamusoro miganho yepension pension. Iwo mashoma panguva yacho akaiswa pa484 euros uye yakanyanya ku3.600 euros; zvisinei kota yega yega yakasiyana uye pane zvirambidzo zvinoverengeka zvinogona kukonzera kuti huwandu huve pasi kana pamusoro.

Yekupedzisira kuverenga

Chinhu chekutanga chatinofanira kuziva ndeye muhoro watakatambira mumakore ekupedzisira emipiro. Sezvo iyo yakazara mudyandigere ichaverengerwa pane iyo data. Munguva yemakore gumi nemashanu ekupedzisira ebasa rakatorwa, avhareji yemihoro inotorwa kuti iwane mari. Mari iyi haizosanganisi yekuwedzera kubhadhara uyezve hapana mhando yemubhadharo kunze kwemubhadharo. Aya manhamba anozovandudzwa zvichibva kuCPI.

Gore rega rega kusvika gore ra2027, hwaro hwepamutemo huchawedzera saka hunofanirwa kuongororwa gore rega.

Kuverenga ndeichi:

yekuzvishandira pension uye basa

Huwandu hwezvipo zvemipiro izvo mushandi anga ave nazvo mukati memwedzi 210 yadarika yakakamurwa ne 180. Izvi zvinomiririra makore gumi nemashanu apfuura akataurwa kwemwedzi makumi maviri nemana yekukosha kwemubhadharo wako mumaeuro.

Kana ikangotipa mhedzisiro, akati wandei mamwe data anozofanirwa kuiswa ayo anoderedza huwandu uhu. Semuenzaniso, kune vanhu vanoenda pamudyandigere vasati vasvitsa makore makumi matanhatu nemashanu kana kune vanhu vasina kupa mari gore rega rega, chengetedzo inokumbira iyo yakazara mari yepenjeni.

Kufunga kuti hushoma huwandu hwemakore makore gumi nemashanu uye yakanyorwa pa15%. Pamakore makumi maviri akashanda inenge iri makumi matanhatu neshanu muzana, pamakore makumi maviri nemashanu akashanda inenge iri makumi masere kubva muzana pamakore makumi matatu yakashanda inenge iri makumi mapfumbamwe kubva muzana uye makumi matatu nemashanu zvichienda mberi inenge iri zana muzana.

Muenzaniso weizvi ndewe a munhu anoshanda kwemakore makumi matatu (yakanyorwa) ine muhoro we1.000 euros, iyo yekupedzisira mari ichave chete 900 euros yepenjeni, zvisinei, kana ukangopa makore gumi nemashanu ehupenyu hwako, mari yacho yakaderedzwa kusvika mazana mashanu emadhora.

Iwe unofanirwa kuziva kuti imwe neimwe yemari idzi haina kugadziriswa, saka zvakakosha kuti uzviongorore gore rega rega kuti uzive kuti ndedzipi shanduko muhomwe yemupiro, pamusoro pekuwedzera kwemihoro mumakambani.

Vese freelancers vanogona kusarudza iyo mhando yemupiro base Kuburikidza nezvavanobatsira, zvisinei, vanofanirwa kuvaziva chaizvo, nekuti izvi ndizvo zvinozoita kuti vawane mabhenefiti kana kwete kana vakaremara kana kutoita kuti mudyandigere vawedzere kana kushoma pazuva ravanofanira kutora. Zera rakaringana rekuwedzera rako repension uye kukwanisa kuve neakawanda kwazvo mabhenefiti kuri mushure me42.

Nemutemo, mimwe miganho inosimbiswa maererano ne hwaro hwemari yemupiro yeavo vanozvishandira uye zvakare kune ese shanduko anogona kuitwa mariri gore rega.

Nzira chete yekufungidzira matambudziko emangwana uye kunyanya kuronga zvekurega basa kuona huwandu, padhuze nezuva iro ratichaenda pamudyandigere nekuda kweshanduko dzinokonzerwa gore rega. Nyanzvi dzinokurudzira kuti kuti uve nepatheni, sarudzo yakanakisa ndeyekuiona gore rega rega kuti uzive kana tichizoda pensheni yega kana kwete.


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako