Zvinoenderana neazvino dhata kubva kuSocial Security, kubva munaNdira 2018, iyo yepasirese pension yepasi yaive 1.074 euros pamwedzi. Mari yakakura mumakore gumi apfuura, kunyangwe nedambudziko rehupfumi, ne40%. Muna 2007, avhareji yepenjeni yaingova chete 766 euros pamwedzi. Nyika yeBasque, Asturias neMadrid ndiyo nharaunda dzakazvimiririra dziri pamusoro, nepo zvichipokana, Extremadura neGalicia haisvike 900 euros pamwedzi uye inoramba iine mihoro yakaderera. Kune rimwe divi, mutsauko nebonde unozivikanwa: nepo iwo mubhadharo wevarume uri 1.244,7 euros, iwo wevakadzi wakaramba uri pa794,4 euros. Ndokunge, angangoita mazana mashanu euros yemusiyano.
Panguva yekuverenga idzi data, iwe zvechokwadi uchafunga nezve mudyandigere wauri kuzotora panguva chaiyo chaiyo pakuregera basa. Nekuti mune dzakawanda zviitiko zvinowanzoitika kuti hauna kana yakajeka zano rehuwandu huchaenderana newe mune ino yakakosha nhanho yehupenyu hwako. Nekuti kunyangwe iri zano rinogona kukubatsira kuronga kumberi kwemakore egoridhe. Kusvika pakuti iwe unogona wedzera iyo kuburikidza neimwezve mari, senge idzo dzinotorwa kubva kune dzakavanzika mari kana zvirongwa zvepenjeni.
Ehezve, chokwadi chekuverenga mudyandigere harisi basa riri nyore kubva pakutanga. Nekuti pakati pezvimwe zvikonzero iwe uchafanirwa kufunga nezve akasiyana akasiyana akakosha kuita iyo munhu wepenjeni. Kusvika padanho iro makore emipiro haana kukwana sekuzvitora panguva ino yehupenyu hwako. Kunyangwe iyi iri nyaya yakanyanya, asi mauri iwe unogona kuzviona wakanyudzwa uye zviri nyore kwazvo kuti iwe uzvifungire uye zvirinani kugona kuona mamiriro aya.
Pension-isingabatsiri
Chimwe chezvinhu zvekutanga kuongorora ndechekuti iwe wakapa here makore akakwana kuti utore mari yemubhadharo. Zvakanaka, chiitiko ichi chinoitika kana zvisiri iwe wakapa anopfuura makore gumi nemashanu uye nekudaro hauzove nekodzero kune yakajairwa kuramwa. Muzviitiko izvi, unofanirwa kuziva kuti mudyandigere wauchazopihwa rubatsiro rwemwedzi pamari kubva kuHurumende kune vanhu vese vane makore makumi matanhatu nemashanu kana kupfuura, vasina mvumo yekurega basa kana yakajairwa mari yemudyandigere yekusashanda kana kupa zvakakwana, uye "kushaya" mari.
Pensions dzisingabatsiri mugore rino 2018 dzakatambura nekukwira kwe0,25%, vachisiya yavo huwandu hwakaiswa pa5.178,60 euros pagore, iyo inobhadharwa muzvikamu gumi nemaviri zvemwedzi pamwe nemari mbiri dzinoshamisa pagore. Mari inowirirana kubhadharisa munhu wese wepenjeni zvinoenderana nemari yavo yavanowana uye / kana iyo yehupfumi hwavo hwekugara pamwe chete, iri iwo huwandu hwakanyanya uye hushoma mari yekubhadharisa zvinotevera zvatinokufumura pazasi:
- Chiyero chakakura PNC: 369,90 euros / mwedzi uine gumi nemana kubhadhara kune avo vanozvikumbira uye vane mvumo yekuzara mari. Iine yakakwira mari yegore rose ye14 euros.
- Minimum PNC muripo: 92,48 euros pamwedzi nezvikwereti gumi nemana (hushoma pagore huwandu hwe14 euros inoenderana ne1.294,65% yehuwandu hwakagadzwa, nhamba pazasi isingagoni kudzikiswa
Pension inoverengwa sei?
Iyo yakakosha nguva yeichi chiitiko chakakodzera yasvika uye ndiko kuziva kuti ndeipi chaiyo penjeni iyo iwe yauchazenge wakasiya panguva chaiyo iyo iwe yaunotora basa. Mupfungwa iyi, zvichave zvakakosha kuti iwe uone kuti chii chako makore akanyorwa. Kuti uite izvi, iwe unofanirwa kukumbira yako nhoroondo yebasa umo idzi data dzicharatidzirwa. Zvisinei, yeuka kuti kugara kwako muchiuto kunokwikwidza semakore ebasa uye kunogona kukubatsira wedzera nguva inobereka yehupenyu hwako hwehunyanzvi. Pakati pegore kana maviri makore, zvichienderana nehunhu hwakasarudzwa kuve muchiuto. Hazvishamise kuti ichi ichokwadi chekuti chikamu chikuru chevateresi hachinyatso kuziva.
Kune rimwe divi, chimwe chikamu chaunofanirwa kufunga nezvacho kubva zvino zvichienda ndechekuti mudyandigere uchaverengerwa zvichibva pamakore ekupedzisira makumi maviri nemashanu ekutengesa. Ndokunge, makore ekutanga ehupenyu hwako hwekushanda haazokukanganisa iwe, sezvo kune rumwe rutivi zvine musoro kuti unzwisise. Neichi chikonzero, chii chinoitika kwauri muchikamu chekupedzisira chehupenyu hwako hwekushanda chakakosha nekuti ndipo panotariswa mari chaiyo yepenjeni yako. Kusvika padanho rekuwedzera ichi chikamu chehupenyu hwako chinogona kukubatsira iwe uye kusvika padanho ratidziro yazvino mirau.
Ndeipi hwaro hwepamutemo?
Iwe uri chokwadi kushamisika kuti yako yekumisikidza base mune yekuzorora mudyandigere inoverengerwa. Zvakanaka, muna 2022 mipiro yezvipo zvekupedzisira 25 makore kuti uverenge hwaro hwemitemo yemudyandigere. Nekuti panguva ino inochinja inoiswa iyo muna 2018 kukosha 21 makore. Asi chinhu chakakosha chaizvo kuona kuti chii chiri hwaro hwepamutemo hunoshanda kwauri panguva iyoyo yekupedzisira muhupenyu hwako.
Kune izvo zvaunowana zviri nyore kubva zvino zvichienda mberi, hauzove nesarudzo kunze kwekuziva kuti chii mhedzisiro yekugovanisa huwandu hweiyo hwaro quote yemushandi mumwedzi usati wasvika musi wekutangwa kwehurema kwemazuva mazhinji ayo akati mupiro unoreva. Izvi zvinoshanduka zvinoenderana nemubhadharo wauinayo uye nemazuva emipiro. Kusvika padanho rekuti misiyano yakakosha inogona kugadzirwa pakati peumwe kana vamwe vakasiya basa. Hazvishamise kuti chikamu chakamanikana cheichi chiitiko nekuverenga zvakaringana.
Makore mangani ataurwa?
Chimwe chinhu chinofanira kujekeswa ndicho chine chekuita nemakore mashoma aunofanirwa kunge uine mipiro uye unakirwe nemubhadharo weaya maitiro uye nokudaro usatsamire pamudyandigere unopa mari unogona kukuvadza zvaunofarira mune zvegoridhe makore. Saka kuti iwe usave nekusahadzika kushoma, chinangwa ndechekuti muna 2027 zvichave zvakafanira kunge wanyora Makore 37. Ndokunge, huwandu hwe Mwedzi 444 yekuti iwe ugamuchire iyo yakazara mudyandigere inoenderana newe zvichibva pamakore akashanda.
Mumwewo mubvunzo wakasiyana kwazvo ndewokuti une chekuita nenyaya yekuti huwandu hwemakore hwakatarwa unganidza 100% yemudyandigere. Nekuti zvichave zvakasiyana kubva padiki huwandu hwemakore ekuunganidza mudiki pension. Idzi ipfungwa mbiri dzaunofanirwa kupatsanura zvakajeka kuti uverenge mudyandigere wauchazotora panguva ino. Kupfuura chero chinhu kuitira kuti iwe usasvike chero rudzi rwemhosho uye izvo zvinogona kukukuvadza iwe muchikamu chino chekuwongorora mukutora kwepenjeni. Hazvishamisi kuti zvakajairika kuti vanopfuura mumwe chete pamudyandigere vawane zvinopfuura kamwe panguva ino yakakosha muhupenyu hwavo.
Ndinogona here kuenda pamudyandigere?
Ichi ndicho chimwe chezvinhu zvakakosha kwazvo zvaunogona kuzvibvunza kubva ikozvino. Mupfungwa iyi, mumamiriro ekumanikidzwa ekurega basa, zvinogona kuitwa anosvika kumakore mana isati yasvika zera repamutemo rekurega basa. Asi kuti iwe ugone kuzadzisa ichi chinangwa chaunoda, hauzove nesarudzo kunze kwekunge uine makore makumi matatu nematatu emipiro. Kunyangwe ichifungisisa dzakateedzana zvirango zvegore rega kana kota zvisati zvaitika. Semhedzisiro yeaya ma accounting mashandiro, iwe uchasvika pamhedziso yekuti kutanga pamudyandigere kunoitwa pasi pemakwikwi mashoma emakwikwi. Kusvika padanho rekuti iwe unogona kusvika pamhedziso yekuti mukupedzisira haina kukodzera kusvika padanho iri mumakore egoridhe.
Kune rimwe divi, zvakakoshawo kuti kubva ikozvino ugovane kuverenga kweiyo yeruzhinji mari yemudyandigere mumatanho mana aunogona kuisa mukuita. Uye izvo zvinoreva kune anotevera akasiyana atinokufumura pazasi:
- Kufungidzira zera kwatinogona kuwana mari yekurega basa.
- Verengai hwaro hwepamutemo kubva pamabhesesi emipiro yemakore ekupedzisira asati aenda pamudyandigere.
- Nyorera iyo akagadziridzwa zvinoenderana nemakore akanyorwa.
- Nyorera iyo kuenderera chinhu (kubva muna 2019).
Yakawanda sei iwe yauchasara nayo pamudyandigere?
Hapana mubvunzo kuti huwandu hwepenjeni hunosarudzwa nedanho rekutonga uye kuti uverenge zvakakosha kuti utore mabheseni emipiro kubva makore ekupedzisira emipiro. Chichava chiitiko chakareruka nekuti chinoratidzwa mubhadharo unopihwa nemakambani. Chero zvazvingaitika, usakanganwa kuti mari yekuwedzera haizotorwa uye mune zvese zviitiko inovandudzwa neCPI yemakore ese. Kunyangwe kuwedzera kwayo kuri kushoma nekuti iko kusinga pfuure iyo 3% barrier.
Chekupedzisira, pane chimwe chikamu chakakosha cheruzivo ndechekuti iyo yekusimudzira chinhu chinongoshanda kune avo chete vashandi vanoenda pamudyandigere kubva munaNdira 2019. Ndokunge, kana iwe urikutora parizvino mudyandigere, hazvizokubate iwe zvachose. Asi pane zvinopesana zvichave zveremangwana. Kusvika padanho rekuti misiyano yakakosha inogona kugadzirwa pakati peumwe kana vamwe vakasiya basa.