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Home » Expats uye vakarega basa » Ruzhinji rwehomwe huru dzepenjeni hadzisati dzabuda munzvimbo ine ngozi
Huwandu hwemari hwemari yepenjeni huru yeindasitiri yakakwira zvishoma muchikamu chechitatu cha2018.
Nekudaro, nhatu dzeidzi mari shanu hadzisati dzasvika padanho repasi rinodiwa rinosvika 104.2 muzana, iyo yavanofanirwa kuwana mukupera kwa2019 kana kupera kwa2020, uye homwe imwe chete ichangopfuura iyi yakaderera.
Izvi zvinoreva kuti kubva 2020 zvichienda mberi kuchine mukana wekuderedzwa kwemudyandigere accrual uye mabhenefiti kune vatori vechikamu nevanodya penjeni yemari iyi uye iyo indexation, i.e. kubvumira penjeni kuti ikwire zvinoenderana neinflation, hazvizove sarudzo mumakore anotevera. . Izvi zvinoodza moyo munguva ino yebudiriro yeupfumi uye kukwira kwemihoro.
Pahomwe huru shanu, homwe yepenjeni yekuvaka iri muchimiro chiri nani. Homwe iyi yave kutobvumira kuti mari dzemudyandigere dzikwire zvichifambirana nekukwira kwemitengo gore rino.
Kunobva: Pension Federation
Mumazuva achangopfuura, mishumo ine mwero yakanaka yakaburitswa kubva kuhomwe dzakasiyana dzemudyandigere nezvereshiyo yakawedzera zvishoma yekuvhara. Ini pachangu ndinofanira kubata nePfZW. Vakataura kuti: chiyero chavo chekuvhara ikozvino (iyo mari yakasimwa yakakamurwa nekukosha kwezvose zvazvino uye zvemudyandigere zveramangwana) yakawedzera kubva pa101,4% kusvika ku103,4% mukota yapfuura. Avhareji yehuwandu hwekuvhara mumwedzi gumi nembiri yapfuura - yakakosha kune marudzi ese esarudzo - yakawedzera kubva pa100,6% kusvika pa101,5%. Isu takawana kudzoka pakudyara kwe1,3% mukota yechitatu uye midziyo yemudyandigere yakakwira kusvika kudarika 206 bhiriyoni euros. Izvi zvinoreva kuti pa euro imwe neimwe yepenjeni inofanira kubhadharwa, pane mari shoma shoma.
Handizvitendi, nekuti masvondo mashoma adarika zvakanzi tsigiro yepenjeni yedu iri under pressure. Chimwe chezvikonzero zveizvi ndechekuti hurongwa hwedu hwepenjeni huri kuramba huchioma kutsanangura. Izvi zviri kukonzerwa nekuti mari dzemudyandigere hadzifambe nehupfumi. Munguva yenhamo, mari dzemudyandigere dzakamiswa uye dzimwe nguva dzakatoderedzwa. Asi iko zvino hupfumi hwava nani zvakare, hausi kuzozviona zvichiratidzwa mupenjeni yako. Izvozvo zvinofanira kuva zvakasiyana. Naizvozvo tinofunga kuti yave nguva yezvibvumirano zvitsva. Zvibvumirano zvinovimbisa kuti penjeni yako inogona kukura nekukurumidza uye zviri nani munguva dzakanaka. Izvi zvinoreva kuti munguva dzakaipa penjeni yako inogonawo kudzikiswa kare. Asi nechinangwa chakajeka: penjeni iri nani kwauri!
Hupfumi hwave huchiita zvakanaka kwenguva yakareba. Kunyange zvazvo pasina euro yakabhadharwa mupenjeni mumakore achangopfuura nemakore. Kana zvakawanda zvakachengetwa pamabhenefiti, uye nekuti hapana chakawedzerwa chakabhadharwa izvozvi zvinhu zviri kufamba zvakanaka, maererano nekufunga kwavo, pane mari yakawanda mumari yavo kupfuura Euro 1,015 yeeuro yega yepenjeni ichashandiswa. . Muchidimbu: vanhu vanoramba vachifamba nenhamba, nharo uye chokwadi.
Hazvisati zvakwana
Mari yepenjeni ine mari yakawanda, asi mitemo yebhangi reDutch haina kururama zvachose.
Pension yedu inongodzikira nekuti indexing ishoko rakasviba.
Asi nderipi bato richamiririra vanhu vanogara vachibhadhara mari yepenjeni?
Nezuro (18/10) ndakaverenga 'zvakanaka' nhau, dzinoti homwe mbiri dzepenjeni dzakakura muNetherlands, ABP neZorg & Welzijn, dzakaenda kune vezvematongerwo enyika neshoko rekuti hazvichagoneke kutsanangurira vanodya penjeni kuti mabhenefiti aive. zvakare kutemwa hakugone kuwedzerwa, nepo Netherlands yave ichiita zvakanyanyisa hupfumi mumakore achangopfuura. Ivo pachavo vakacherekedza kuti mapoto epenjeni akazadzwa zvakanyanyisa, asi kuti havana kukwanisa kuzivisa vanodya penjeni nezveizvi, pamwe nekuda kweiyo inosungirwa actuarial mubereko. Mune mamwe mazwi, mari iripo, asi icharamba yakachengeterwa nguva kusvika pakatanga chirongwa chitsva chepenjeni, icho chine njodzi yekuti mudyandigere uchaderedzwa munguva dzakaipa dzehupfumi. Asi njodzi iyoyo yatovepo.
Mitemo kazhinji haina kururama. Zvingave sei izvo, semuenzaniso, iyo ING pension fund ine 143%? Mari zhinji dzepenjeni dzinochinja pakati pe100 ne105%. Huge overhead cost, mihoro mikuru, kubata? Ndiani anoziva angati. Mari yepenjeni inoisa mari kunze kwenyika, semuenzaniso muUS mubereko watove pamusoro
3%. ABP yakabirwa nehurumende kare, dzorerai zvinhu zvafamba zvakanaka? Kanganwai nazvo. Havana simba rekuita.
Kana ING ine chikamu chekuvhara che143 muzana, ivo vakabhadhara mari yakawandisa.
Panogona kunge paine zvikonzero zvakawanda zveyepamusoro uye yakaderera yekuvhara reshiyo.
Mari dzemudyandigere dzakavaka mari nekusabvisa 100% yemipiro inobhadharwa semudyandigere, asi nekuiisa muhari yekuchengeta. (mushure mezvose, mari yepenjeni yakanga isina midziyo pakutanga kwekuvapo kwavo)
Ngatitii kambani inodzinga vashandi vayo vanodhura yohaya vashandi vakachipa.
Nekuda kwekuti mihoro yainge yakakwira, pane mari zhinji inochengetwa muhomwe yepenjeni yenguruve yekubhadhara penjeni yechizvarwa chinotevera chevashandi, zvichibva pamihoro yekare.
Zvisinei, vashandi vatsva ava vachawana penjeni shoma zvikuru nekuti vanotambira mari shoma.
Iyo piggy bank saka yave yakakura zvakanyanya mukuenzana.
Nei mari zhinji dzemudyandigere dziine mwero wakashata wekuvhara mubvunzo unonakidza.
Waisafanira kubvunza izvozvo.
Mari yakawanda pamwe iri kushaikwa pane imwe nzvimbo.
Semunhu aimbove mushandi weING, ndinoziva mashandiro anoita homwe yepenjeni. Tinowana kuwedzera kwepenjeni gore negore! Ndine urombo mudiwa Ruud, vashandi veING vaisafanira kubhadhara mari yepenjeni. Yaiva mari yepenjeni isingabhadharisi. Vanhu vanoshanda nehomwe yepenjeni havapihwe mukana wekuvhiringa homwe iyi.
Mari yepenjeni inoisa mari yepenjeni inobhadharwa mukati menguva inosvika makore makumi mana, ichiwedzera semuenzaniso kubva pazera remakumi maviri nemashanu. Icho chokwadi chekuti pane ikozvino yekuvhara chiyero che 40 inogona kunyanya kuve nekuda kwekudyara kwakanaka (zvinonzwisisika nekuti inyanzvi dzezvemari kubhangi) uye haina kunyanya kuenderana nemitengo yakabhadharwa kana kuti yakawandisa yakabhadharwa. Iwe unogona kufunga kuti nemari yepenjeni yakaderera inofanira kubhadharwa, kune mari shoma inowanikwa yekudyara nemari yepenjeni yakafanana neyakakwirira; ipapo chiyero chekuvhara chichadzikira.
Iyo nyaya yepiggy bank ndeyechokwadi isina maturo, iwe unofanirwa kutarisa midziyo yese yehomwe yepenjeni wobva wafunga nezvezvino uye mune ramangwana rekubhadhara. Mumwe anobhadhara maprimiyamu uye obva ave ne x nhamba yemakore kuti awane madzokero, mushure mezvo muripo wepenjeni unotevera. Iwe unogona kutaura kuti pane buffer, saka hapana poto yekuchengetedza, ye43% pamapenjeni ese achabhadharwa mune ramangwana.
Ndakangotarisa. Pa webhusaiti ye ING nezve pension fund coverage ratios:
DNB policy coverage ratio 143%, Market value coverage reshiyo 141%, uye avhareji chaiyo coverage reshiyo (paari maallowances) 96%.
Saka kuda kwako uye kufunga kunotevera zvinobva paruzivo rwusina kururama.
Ipapo ndinofanira kufara, nekuti pakupera kwaGunyana Rudzi rweKuvharwa kweHomwe yangu yePension Fund (SPF) Railway Pension Fund i115,7%. Ndinovimba kuti zvinhu zvichatonaka !!!
Sezvineiwo panhau nezuro mangwanani , asi kwete Isu tiri vaviri neABP, asi hapana chakawedzerwa mumakore achangopfuura, asi chimwe chinhu chaenda pasi Saka panoita seine mari yakakwana.
Ndakatoudza homwe yangu yepenjeni kuti vadzinge mainvestimari avo vozohaya ma investor kubva kumabhanga nekuti vanowana zvibereko zvakanaka. Izvozvo zvinogoneka sei?
Ini pachangu, ndinofunga kuti tiri kunyengedzwa zvakaipisisa.
Mabhonasi epamusoro anowedzera zvakanyanya mari yepenjeni
Mamaneja emidziyo anodyara mari dzemudyandigere akaita seABP, PFZW nehomwe yepenjeni Bouw vari kuwana mabhonasi ari kuwedzera. Mari inoenderana nekuita yakawedzera ne488 miriyoni euros kusvika 2 bhiriyoni euros gore rapfuura, sekutsvagurudza kwakaitwa nevanopa mazano LCP pakati pe222 mari dzepenjeni.
Miriyoni imwe chete yevagere mudyandigere yehurumende vangadai vakawana imwe 488 euros pagore dai “vatariri” vakaita saizvozvo.
ndakanga ndisina kuzviisa muHOmwe YAKO WAKA!
Havana shoko rokuti "INDEXING" mubhuku ravo reakaunti, asi vane tsumo inoti: "Kunetseka kwako ndiko kuchava kunetseka kwangu!
Kana mari yepenjeni yaitenderwa kuverenga zvavanofanira kuita zvichibva pachiyero cheavhareji yekudzoka yakawanikwa mumakore matatu apfuura, waizowana mufananidzo uri nani uye mareshiyo ezvekuvharirwa aizoitawo zvirinani.