{"id":401151,"date":"2024-02-06T17:42:07","date_gmt":"2024-02-06T16:42:07","guid":{"rendered":"https:\/\/zjarr.tv\/?p=401151"},"modified":"2024-02-06T17:42:07","modified_gmt":"2024-02-06T16:42:07","slug":"kriza-e-pensioneve-ja-si-e-zgjidhi-europa","status":"publish","type":"post","link":"https:\/\/zjarr.tv\/sq\/kriza-e-pensioneve-ja-si-e-zgjidhi-europa\/","title":{"rendered":"Kriza e Pensioneve – Ja si e zgjidhi Europa!"},"content":{"rendered":"

Nga *Elvis Ponari<\/strong><\/p>\n

Jetesa sa vjen dhe b\u00ebhet m\u00eb e shtrenjt\u00eb, \u00e7mimet dhe inflacioni rriten nd\u00ebrsa vlera e lekut ulet.<\/p>\n

Dhe nd\u00ebr grupet shoq\u00ebrore q\u00eb e vuajn\u00eb m\u00eb s\u00eb shumti k\u00ebt\u00eb gj\u00eb jan\u00eb personat q\u00eb do t\u00eb dalin n\u00eb pension, t\u00eb cil\u00ebt vit pas viti jan\u00eb m\u00eb t\u00eb varf\u00ebr.<\/p>\n

Problemet e papun\u00ebsis\u00eb, t\u00eb informalitetit dhe ve\u00e7an\u00ebrisht t\u00eb emigracionit n\u00eb mosh\u00eb pune kan\u00eb ulur ndjesh\u00ebm p\u00ebrqindjen e popullsis\u00eb kontribuuese n\u00eb 15 vitet e fundit, duke krijuar shqet\u00ebsim t\u00eb madh social p\u00ebr t\u00eb ardhmen.<\/p>\n

Projeksionet tregojn\u00eb se deri n\u00eb vitin 2030, popullsia n\u00eb mosh\u00eb pune do t\u00eb tkurret n\u00eb m\u00ebnyr\u00eb sistematike dhe nga ana tjet\u00ebr, numri i pensionist\u00ebve do t\u00eb rritet me shpejt\u00ebsi, duke v\u00ebn\u00eb n\u00eb rrezik skem\u00ebn e pensioneve<\/p>\n

Marrja e masave konkrete \u00ebsht\u00eb domosdosshm\u00ebri n\u00ebse nuk duam q\u00eb kjo t\u00eb shkoj\u00eb drejt
\nhumner\u00ebs.<\/p>\n

Nj\u00eb shembull p\u00ebr ta b\u00ebr\u00eb m\u00eb t\u00eb qart\u00eb situat\u00ebn: n\u00ebse ne n\u00eb 2020-\u00ebn ne kishim 1.4 kontribuues p\u00ebr 1 p\u00ebrfitues, treguesi ra n\u00eb 1.17 kontribuues p\u00ebr nj\u00eb p\u00ebrfitues n\u00eb marsin e vitit 2022.<\/p>\n

\u00c7far\u00eb duhet b\u00ebr\u00eb?<\/strong><\/p>\n

Evropa ka vite dhe dekada q\u00eb e ka menduar k\u00ebt\u00eb gj\u00eb duke b\u00ebr\u00eb t\u00eb mundur ruajtjen e standardit t\u00eb jetes\u00ebs p\u00ebr qytetar\u00ebt e saj, edhe kur ata ndalojn\u00eb s\u00eb punuari. Sepse cil\u00ebsia dhe fuqia e nj\u00eb shteti jan\u00eb qytetar\u00ebt e vet.<\/p>\n

Kur qytetar\u00ebt e nj\u00eb shteti punojn\u00eb dhe n\u00eb mosh\u00ebn e pensionit kan\u00eb t\u00eb ardhura t\u00eb mjaftueshme, ai \u00ebsht\u00eb m\u00eb i fuqish\u00ebm, ec\u00ebn p\u00ebrpara dhe ekonomia zhvillohet.<\/p>\n

N\u00eb Shqip\u00ebri funksionon krejt ndryshe: Shum\u00eb pak njer\u00ebz punojn\u00eb, shum\u00eb pak njer\u00ebz kan\u00eb rroga t\u00eb mira, dhe shum\u00eb\/t\u00eb gjith\u00eb pensionist\u00eb t\u00eb varf\u00ebr. Kjo b\u00ebn q\u00eb, ata q\u00eb ende punojn\u00eb mbajn\u00eb ende me lek\u00eb pensionist\u00ebt. Ose i mban shteti. \u00cbsht\u00eb e kot\u00eb!<\/p>\n

Pra, shteti duhet t\u00eb mendoj\u00eb q\u00eb pensionist\u00ebt, ashtu si\u00e7 do qytetar tjet\u00ebr, t\u00eb jet\u00eb i pavarur.<\/strong><\/p>\n

Kur qytetari \u00ebsht\u00eb i pavarur financiarisht, ekonomikisht, shteti \u00ebsht\u00eb i fuqish\u00ebm.<\/p>\n

Shteti ka hartuar ligje, ka nd\u00ebrtuar \u201crrug\u00ebn\u201d q\u00eb njer\u00ebzit t\u00eb punojn\u00eb, t\u00eb fitojn\u00eb, t\u00eb shijojn\u00eb, t\u00eb kursejn\u00eb dhe kur t\u00eb dalin n\u00eb pension t\u00eb vazhdojn\u00eb s\u00ebrish me t\u00eb nj\u00ebjtin standard jetese. Sepse qytetari e ka dh\u00ebn\u00eb kontributin gjat\u00eb jet\u00ebs. Ka punuar dhe n\u00eb vler\u00ebsim t\u00eb kontributeve t\u00eb paguara duhet t\u00eb shp\u00ebrblehet.<\/p>\n

Por le t\u00eb ndalemi pak tek pensionet dhe si funksionon skema n\u00eb Europ\u00eb?<\/strong><\/p>\n

Shteti thot\u00eb: \u201cPo, nj\u00eb pjes\u00eb t\u00eb taksave q\u00eb un\u00eb i marr nga sigurimet shoq\u00ebrore do ti kaloj tek skema private, q\u00eb ato t\u00eb akumulohen, t\u00eb investohen, dhe kur t\u00eb dal\u00ebsh n\u00eb pension t\u00eb marr\u00ebsh m\u00eb shum\u00eb para\u201d. Kjo \u00ebsht\u00eb e gjitha.<\/p>\n

EVROPA NUK KA PENSIONE M\u00cb T\u00cb LARTA SE NE!<\/strong><\/p>\n

Evropa nuk ka pensione m\u00eb t\u00eb larta se ne. Evropa ka thjesht 3 mund\u00ebsi pensioni (nga shteti, nga privati me shtetin dhe nga privati). Kjo mungon sot n\u00eb Shqip\u00ebri!<\/p>\n

FMN, Banka Bot\u00ebrore dhe ISSH jan\u00eb bashkuar p\u00ebr t\u2019i gjetur nj\u00eb zgjidhje k\u00ebtij defi\u00e7iti, k\u00ebtij
\nproblem.<\/p>\n

T\u00eb b\u00ebjn\u00eb at\u00eb q\u00eb b\u00ebr\u00eb Evropa n\u00eb vitet \u201990, duke aplikuar skem\u00ebn private.
\nParat\u00eb q\u00eb kursehen, q\u00eb investohen n\u00eb fond privat, zhvillojn\u00eb ekonomin\u00eb. Shembulli m\u00eb i thjesht\u00eb dhe m\u00eb i af\u00ebrt \u00ebsht\u00eb ai i shtetit fqinj, Maqedonia e Veriut, e cila zhvilloi skem\u00ebn private t\u00eb pensioneve n\u00eb 2015-\u00ebn, sipas sugjerimeve t\u00eb Bank\u00ebs Bot\u00ebrore. (Ne n\u00eb Shqip\u00ebri nuk e b\u00ebm\u00eb k\u00ebt\u00eb gj\u00eb)<\/p>\n

Dhe sot, Maqedonia e Veriut ka mbi 2 miliard\u00eb Euro asete duke ndikuar edhe n\u00eb zhvillimin
\nekonomik t\u00eb vendit (rrug\u00eb, shkolla, aeroporte etj). K\u00ebto para jan\u00eb grumbulluar, jan\u00eb investuar, kan\u00eb dh\u00ebn\u00eb kthim dhe e gjith\u00eb kjo i shkon individit si pension.<\/p>\n

Dhe sot pensionisti maqedonas e ka pensionin m\u00eb t\u00eb lart\u00eb sesa nj\u00eb pensionist shqiptar (Pensioni mesatar n\u00eb Maqedonin\u00eb e Veriut 278 Euro; n\u00eb Shqip\u00ebri 126 Euro).<\/strong><\/p>\n

Kalimi n\u00eb kolon\u00ebn e tret\u00eb t\u00eb skem\u00ebs private, zgjidhja m\u00eb e mir\u00eb<\/strong><\/p>\n

Kjo skem\u00eb \u00ebsht\u00eb n\u00eb mir\u00ebn e qytetarit, pasi edhe kthimet n\u00eb interesa jan\u00eb m\u00eb t\u00eb larta, edhe se bankat.<\/p>\n

Sipas ligjit t\u00eb ri p\u00ebr pensionet private, i future n\u00eb fuqi n\u00eb fund t\u00eb vitit t\u00eb shkuar, kufiri maksimal mujor i p\u00ebrjashtimit tatimor rritet deri n\u00eb nivelin e pag\u00ebs minimale t\u00eb miratuar, q\u00eb aktualisht regjistrohet n\u00eb 40 mij\u00eb lek\u00eb n\u00eb muaj.<\/p>\n

Nga kjo incentiv\u00eb, shuma e kontributeve e p\u00ebrjashtuar nga tatimet arrin deri n\u00eb 480 mij\u00eb lek\u00eb n\u00eb vit ose 140% m\u00eb shum\u00eb krahasuar me pragun q\u00eb ishte caktuar n\u00eb ligjin e vjet\u00ebr prej 200 mij\u00eb lek\u00ebsh.<\/p>\n

Konkretisht, neni 156 i ligjit p\u00ebrcakton se, kontributi i b\u00ebr\u00eb nga \u00e7do an\u00ebtar i nj\u00eb fondi pensioni zbritet nga t\u00eb ardhurat personale t\u00eb tij p\u00ebr efekt tatami. Kthimi i investimit, p\u00ebrfshir\u00eb fitimet nga kapitali prej investimeve t\u00eb kryera me aktivet e fondit t\u00eb pensionit nuk i n\u00ebnshtrohen tatimit, as p\u00ebr vet\u00eb fondin e pensionit dhe as p\u00ebr shoq\u00ebrin\u00eb administruese.<\/p>\n

Kontributet e b\u00ebra nga pun\u00ebdh\u00ebn\u00ebsi dhe \u00e7do kontribuues tjet\u00ebr, n\u00eb em\u00ebr dhe p\u00ebr llogari t\u00eb an\u00ebtarit t\u00eb nj\u00eb fondi pensioni, p\u00ebr efekte fiskale, nuk vler\u00ebsohen si t\u00eb ardhura personale t\u00eb an\u00ebtarit. Kufiri maksimal mujor, p\u00ebr leht\u00ebsit\u00eb tatimore, \u00ebsht\u00eb deri n\u00eb nivelin e pag\u00ebs minimale t\u00eb miratuar n\u00eb
\nshkall\u00eb vendi.<\/p>\n

Edhe kontributet e pensionet privat t\u00eb derdhura nga pun\u00ebdh\u00ebn\u00ebsi n\u00eb favor t\u00eb pun\u00ebmarr\u00ebsit do t\u00eb p\u00ebrjashtohen nga tatimi n\u00eb t\u00eb nj\u00ebjt\u00ebn mas\u00eb.<\/p>\n

Specifikisht, sipas nenit 157 t\u00eb ligjit \u201cKontributet e b\u00ebra nga pun\u00ebdh\u00ebn\u00ebsi n\u00eb interes t\u00eb
\npun\u00ebmarr\u00ebsve t\u00eb tij n\u00eb nj\u00eb fond pensioni vler\u00ebsohen shpenzim operativ deri n\u00eb shum\u00ebn vjetore p\u00ebr \u00e7do pun\u00ebmarr\u00ebs, t\u00eb barabart\u00eb me pag\u00ebn minimale vjetore t\u00eb miratuar n\u00eb shkall\u00eb vendi, dhe kjo shum\u00eb vler\u00ebsohet shpenzim i njohur p\u00ebr q\u00ebllime t\u00eb tatimit mbi fitimin\u201d<\/p>\n

Sipas shifrave m\u00eb t\u00eb fundit nga AMF, sot n\u00eb skem\u00ebn private t\u00eb pensioneve jan\u00eb 38 an\u00ebtar\u00eb, ose 1 % apo 2 % e fuqis\u00eb pun\u00ebtore. Shif\u00ebr q\u00eb ka ardhur gjithnj\u00eb e n\u00eb rritje por gjith\u00ebsesi shum\u00eb e ul\u00ebt pasi minimalisht duhej t\u00eb ishin 25 % apo 30% e tyre.<\/p>\n

Kjo \u00ebsht\u00eb gj\u00ebndja sot. Ndaj, mes masave q\u00eb duhen nd\u00ebrmarr\u00eb p\u00ebr p\u00ebrmir\u00ebsimin e tregut t\u00eb
\npensioneve \u00ebsht\u00eb zhvillimi i skemave private. Ky sistem \u00ebsht\u00eb nj\u00eb k\u00ebrkes\u00eb e domosdoshme e koh\u00ebs.<\/p>\n

Skema private e pensioneve zgjidh problemet q\u00eb dikton koha<\/p>\n

S\u00eb pari, zgjidh kontradikt\u00ebn e brezave, duke e b\u00ebr\u00eb brezin e ri m\u00eb t\u00eb interesuar p\u00ebr t\u2019u siguruar.<\/p>\n

S\u00eb dyti, zgjidh ul informalitetin. Nj\u00eb fenomen mjaft shqet\u00ebsuese p\u00ebr ekonomin\u00eb shqiptare, i cili
\nz\u00eb rreth 30% t\u00eb saj.<\/p>\n

S\u00eb treti, ofron p\u00ebrfitime n\u00eb kushte m\u00eb t\u00eb favorshme moshe, vjet\u00ebrsie n\u00eb pun\u00eb e mas\u00eb pensioni. Si
\ndhe kan\u00eb nj\u00eb transparenc\u00eb e sistem fiskal mjaft favorizues.<\/p>\n

K\u00ebto dhe shum\u00eb arsye t\u00eb tjera b\u00ebjn\u00eb q\u00eb sot pensionet private po zhvillohen me ritme t\u00eb larta n\u00eb t\u00eb gjith\u00eb vendet e bot\u00ebs.<\/p>\n

PSE \u201cSIGAL UNIQA Fond Pensioni\u201d? hyperlink ( www.fondisigal.com.al )<\/p>\n

Ekspertiza: Me 18 vite p\u00ebrvoj\u00eb n\u00eb fush\u00ebn financiare, \u201cSIGAL UNIQA Fond Pensioni\u201d ofron
\nnjohuri t\u00eb thell\u00eb n\u00eb k\u00ebt\u00eb fush\u00eb duke ofruar zgjidhje p\u00ebr t\u00eb p\u00ebrmbushur nevojat unike t\u00eb kompanis\u00eb suaj dhe jo vet\u00ebm.<\/p>\n

P\u00ebrshtatja: \u201cSIGAL UNIQA Fond Pensioni\u201d bashk\u00ebpunon ngusht\u00eb me \u00e7do klient p\u00ebr t\u00eb
\nprojektuar nj\u00eb plan pensioni q\u00eb p\u00ebrputhet me synimet e biznesit dhe preferencat e individ\u00ebve.<\/p>\n

Siguria: \u201cSIGAL UNIQA Fond Pensioni\u201d mund\u00ebson sigurin\u00eb dhe mbrojtjen e investimeve t\u00eb
\npunonj\u00ebsve tuaj, duke investuar n\u00eb instrumenta financiar\u00eb t\u00eb besuesh\u00ebm (Obligacione
\nShtet\u00ebrore).<\/p>\n

Emri i madh n\u00eb treg: Duke qen\u00eb pjes\u00eb e \u201cSIGAL UNIQA Group Austria\u201d dhe \u201cUNIQA
\nInsurance Group\u201d, ky fond \u00ebsht\u00eb nj\u00eb garanci m\u00eb shum\u00eb p\u00ebr \u00e7do individ apo biznes.<\/p>\n

Shembuj investimi:<\/p>\n

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 <\/p>\n

D\u00ebshironi t\u00eb hapni nj\u00eb llogari dhe t\u00eb investoni p\u00ebr t\u00eb ardhmen tuaj? Ju nevojiten vet\u00ebm 1,000
\nLek\u00eb. KLIKONI K\u00cbTU hyperlink (https:\/\/fondisigal.com.al\/anetaresohu\/ )<\/p>\n

*CEO i \u201cSIGAL UNIQA Fond Pensioni\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

Nga *Elvis Ponari Jetesa sa vjen dhe b\u00ebhet m\u00eb e shtrenjt\u00eb, \u00e7mimet dhe inflacioni rriten nd\u00ebrsa vlera e lekut ulet. Dhe nd\u00ebr grupet shoq\u00ebrore q\u00eb e vuajn\u00eb m\u00eb s\u00eb shumti k\u00ebt\u00eb gj\u00eb jan\u00eb personat q\u00eb do t\u00eb dalin n\u00eb pension, t\u00eb cil\u00ebt vit pas viti jan\u00eb m\u00eb t\u00eb varf\u00ebr. Problemet e papun\u00ebsis\u00eb, t\u00eb informalitetit dhe […]<\/p>\n","protected":false},"author":2030,"featured_media":401160,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,2631],"tags":[],"class_list":{"0":"post-401151","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet","8":"category-sigal"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/401151","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/users\/2030"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/comments?post=401151"}],"version-history":[{"count":1,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/401151\/revisions"}],"predecessor-version":[{"id":401162,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/401151\/revisions\/401162"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media\/401160"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media?parent=401151"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/categories?post=401151"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/tags?post=401151"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}