N\u00cbSE NUK MENDON SOT P\u00cbR VETEN, NES\u00cbR MUND T\u00cb JET\u00cb VON\u00cb!<\/p>\n
Jet\u00ebgjat\u00ebsia po rritet dhe shum\u00eb nga ne mund t\u00eb jetojn\u00eb 20, 30 apo edhe 50 vite pas daljes n\u00eb pension. Pyetja kryesore \u00ebsht\u00eb: Me \u00e7far\u00eb do t\u00eb jetosh? N\u00ebse nuk fillon t\u00eb mendosh p\u00ebr kursimet q\u00eb sot, a do t\u00eb mund t\u00eb p\u00ebrballosh jetes\u00ebn vet\u00ebm me pensionin shtet\u00ebror?
\nInvestimi n\u00eb nj\u00eb pension privat nuk \u00ebsht\u00eb m\u00eb luks, por nevoj\u00eb. Sa m\u00eb shpejt ta fillosh, aq m\u00eb i sigurt do t\u00eb jesh p\u00ebr t\u00eb ardhmen. Sepse pleq\u00ebria duhet t\u00eb jet\u00eb nj\u00eb periudh\u00eb qet\u00ebsie dhe dinjiteti \u2013 jo nj\u00eb luft\u00eb p\u00ebr mbijetes\u00eb.<\/p>\n
A jemi t\u00eb p\u00ebrgatitur financiarisht p\u00ebr 20, 30 apo edhe 50 vite pas daljes n\u00eb pension?
\nShum\u00eb prej nesh e shohin pensionin si nj\u00eb periudh\u00eb pushimi dhe qet\u00ebsie, por sa prej nesh kan\u00eb menduar realisht se si do ta p\u00ebrballojm\u00eb jetes\u00ebn p\u00ebr 20, 30 apo edhe 50 vite pas daljes n\u00eb pension? N\u00eb nj\u00eb bot\u00eb ku jet\u00ebgjat\u00ebsia po rritet, kostot e jetes\u00ebs ve\u00e7 shkojn\u00eb lart dhe pensionet mbeten minimale, nevoja p\u00ebr kursime dhe investime afatgjata \u00ebsht\u00eb m\u00eb e r\u00ebnd\u00ebsishme se kurr\u00eb.<\/p>\n
Pensioni n\u00eb Shqip\u00ebri: Mjafton p\u00ebr nj\u00eb jet\u00eb dinjitoze?
\nN\u00eb Shqip\u00ebri, shumica e qytetar\u00ebve mb\u00ebshteten tek skema publike e pensioneve, e cila sot mezi mbulon nevojat baz\u00eb t\u00eb nj\u00eb pensionisti. Aktualisht, nj\u00eb pension mesatar n\u00eb Shqip\u00ebri varion nga 15,500 deri n\u00eb 20,000 lek\u00eb n\u00eb muaj, nj\u00eb shum\u00eb q\u00eb mezi mbulon qiran\u00eb e nj\u00eb apartamenti t\u00eb vog\u00ebl n\u00eb Tiran\u00eb, e jo m\u00eb shpenzimet p\u00ebr ushqim, ila\u00e7e apo faturat e p\u00ebrditshme.
\nNd\u00ebrkoh\u00eb, paga mesatare n\u00eb vend \u00ebsht\u00eb rreth 75,000 lek\u00eb, por vet\u00ebm nj\u00eb pjes\u00eb e vog\u00ebl e k\u00ebsaj shkon p\u00ebr kontribute n\u00eb sigurimet shoq\u00ebrore. Kjo do t\u00eb thot\u00eb se, edhe n\u00ebse ke punuar 40 vite me pag\u00eb mesatare, nuk mund t\u00eb pres\u00ebsh nj\u00eb pension q\u00eb t\u00eb siguroj\u00eb nj\u00eb standard t\u00eb k\u00ebnaqsh\u00ebm
\njetese.<\/p>\n
\u00c7mimet rriten, pensioni mbetet i ul\u00ebt<\/p>\n
Nj\u00eb nd\u00ebr problemet m\u00eb t\u00eb m\u00ebdha \u00ebsht\u00eb inflacioni. Kostoja e jetes\u00ebs po rritet nga viti n\u00eb vit, duke b\u00ebr\u00eb q\u00eb fuqia bler\u00ebse e pensionist\u00ebve t\u00eb ulet ndjesh\u00ebm. N\u00ebse sot me 30,000 lek\u00eb mund t\u00eb mbulosh disa shpenzime baz\u00eb, a mund ta imagjinojm\u00eb se sa pak do t\u00eb vlej\u00eb kjo shum\u00eb pas 20 apo 30 vitesh?<\/p>\n
P\u00ebr m\u00eb tep\u00ebr, sistemi i pensioneve funksionon sipas modelit t\u00eb brezit t\u00eb pun\u00ebsuar q\u00eb paguan p\u00ebr pensionist\u00ebt aktual\u00eb, por me plakjen e popullsis\u00eb dhe emigrimin masiv t\u00eb t\u00eb rinjve, ky sistem \u00ebsht\u00eb n\u00eb kriz\u00eb. N\u00ebse sot kemi 1.3 punonj\u00ebs p\u00ebr \u00e7do pensionist, n\u00eb vitet e ardhshme ky raport mund t\u00eb bjer\u00eb, duke rrezikuar edhe m\u00eb shum\u00eb t\u00eb ardhurat e pensionist\u00ebve.<\/p>\n
Cila \u00ebsht\u00eb zgjidhja? Pensioni privat!<\/p>\n
Duke par\u00eb k\u00ebto sfida, pensioni privat \u00ebsht\u00eb nj\u00eb nga m\u00ebnyrat m\u00eb t\u00eb sigurta p\u00ebr t\u00eb garantuar nj\u00eb t\u00eb ardhme m\u00eb t\u00eb qet\u00eb financiare. Duke kursyer dhe investuar n\u00eb nj\u00eb fond privat pensionesh gjat\u00eb viteve t\u00eb pun\u00ebs, secili mund t\u00eb krijoj\u00eb nj\u00eb burim t\u00eb dyt\u00eb t\u00eb ardhurash p\u00ebr pensionin.<\/p>\n
Ja disa arsye pse kursimi p\u00ebr pensionin privat \u00ebsht\u00eb i domosdosh\u00ebm:<\/p>\n
E ardhmja \u00ebsht\u00eb e pasigurt \u2013 Pensioni shtet\u00ebror mund t\u00eb mos mjaftoj\u00eb ose t\u00eb mos jet\u00eb i
\nq\u00ebndruesh\u00ebm p\u00ebr dekada me radh\u00eb.<\/p>\n
Inflacioni nuk fal \u2013 Parat\u00eb q\u00eb kursen sot do t\u00eb ken\u00eb m\u00eb pak vler\u00eb n\u00eb t\u00eb ardhmen, prandaj
\nduhet t\u00eb investohen n\u00eb m\u00ebnyr\u00eb strategjike.<\/p>\n
Sistemi aktual nuk garanton nj\u00eb pension dinjitoz \u2013 Sa m\u00eb shum\u00eb t\u00eb kursesh sot, aq m\u00eb
\nt\u00eb sigurta do t\u2019i kesh financat nes\u00ebr.<\/p>\n
Pavar\u00ebsi financiare n\u00eb pleq\u00ebri \u2013 Askush nuk d\u00ebshiron t\u00eb mb\u00ebshtetet tek f\u00ebmij\u00ebt apo tek
\nt\u00eb tjer\u00ebt p\u00ebr shpenzimet e p\u00ebrditshme.<\/p>\n
Sa duhet t\u00eb kursesh?<\/p>\n
Ekspert\u00ebt rekomandojn\u00eb q\u00eb nj\u00eb individ duhet t\u00eb synoj\u00eb t\u00eb ket\u00eb t\u00eb pakt\u00ebn 70-80% t\u00eb t\u00eb ardhurave t\u00eb tij t\u00eb fundit kur del n\u00eb pension p\u00ebr t\u00eb mbajtur nj\u00eb standard t\u00eb ngjash\u00ebm jetese. Kjo do t\u00eb thot\u00eb se n\u00ebse sot fiton 100,000 lek\u00eb n\u00eb muaj, duhet t\u00eb kesh t\u00eb pakt\u00ebn 70,000-80,000 lek\u00eb t\u00eb ardhura mujore nga pensioni dhe kursimet.<\/p>\n
Duke filluar her\u00ebt me nj\u00eb skem\u00eb pensioni privat dhe duke kontribuar rregullisht, mund t\u00eb
\nnd\u00ebrtosh nj\u00eb fond t\u00eb mjaftuesh\u00ebm p\u00ebr t\u00eb mbuluar shpenzimet n\u00eb vitet e pensionit. P\u00ebr shembull, nj\u00eb investim i vazhduesh\u00ebm p\u00ebr 30-40 vite n\u00eb nj\u00eb fond privat mund t\u00eb siguroj\u00eb t\u00eb ardhura shtes\u00eb q\u00eb do t\u00eb b\u00ebjn\u00eb diferenc\u00ebn n\u00eb cil\u00ebsin\u00eb e jet\u00ebs pas pensionit.<\/p>\n","protected":false},"excerpt":{"rendered":"
N\u00cbSE NUK MENDON SOT P\u00cbR VETEN, NES\u00cbR MUND T\u00cb JET\u00cb VON\u00cb! Jet\u00ebgjat\u00ebsia po rritet dhe shum\u00eb nga ne mund t\u00eb jetojn\u00eb 20, 30 apo edhe 50 vite pas daljes n\u00eb pension. Pyetja kryesore \u00ebsht\u00eb: Me \u00e7far\u00eb do t\u00eb jetosh? N\u00ebse nuk fillon t\u00eb mendosh p\u00ebr kursimet q\u00eb sot, a do t\u00eb mund t\u00eb p\u00ebrballosh jetes\u00ebn […]<\/p>\n","protected":false},"author":2030,"featured_media":412235,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,2631],"tags":[],"class_list":{"0":"post-412234","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\/412234","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=412234"}],"version-history":[{"count":1,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/412234\/revisions"}],"predecessor-version":[{"id":412237,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/412234\/revisions\/412237"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media\/412235"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media?parent=412234"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/categories?post=412234"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/tags?post=412234"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}