Kukosha kwepenjeni kunoderera kwemamwe makore gumi
Homwe yepenjeni yevashandi vehurumende ABP nehomwe yepenjeni Zorg en Welzijn vanoti havazokwanisa kunyora penjeni yavo kwemakore gumi anotevera. Izvi zvinoreva kuti mudyandigere haukure zvichifambirana nekukwira kwemitengo, izvo zvinoita kuti mari yepenjeni yevari pamudyandigere iite shoma uye vanhu vanoshanda vachiwana mari shoma.
Maererano nehomwe dzepenjeni, izvi zviri kukonzerwa nemitemo yakaoma iyo dare reparamende pamwe richabvumirana nazvo. Izvi zvinoda mari yekugadzira mabheji emari epamusoro asati atenderwa kuita index. Nekuda kweiyo nhoroondo yakaderera mubereko, kugadzira iwo mabhafa ikozvino kwanetsa.
Pension consultancy Mercer anotarisira kuti mari zhinji dzemudyandigere dzichakwanisa kudzokorora zvishoma mumakore maviri kusvika matatu, asi kuti indexation yakazara inogona kutora makore gumi.
Pensheni zhinji hadzina kunyorwa mumakore achangopfuura. Izvi zvapa kuti homwe yevashandi vehurumende yave nechikwereti chepenjeni chinodarika zvikamu zvipfumbamwe kubva muzana uye homwe yepenjeni yeHealthcare and Welfare inopfuura zvikamu gumi nezviviri kubva muzana. Homwe dzepenjeni dzinotarisira kuti zvisaririra izvi zvichawedzera zvakanyanya mumakore anotevera. Izvo hazvisati zvanyatsozivikanwa kuti mari yepenjeni ichave isinganyanyi kukosha mumakore anotevera uye zvinoenderana nekukwira kwemitengo uye kusimukira kwehupfumi.
Ichokwadi kuti ichave yakakosha, maererano nemari yepenjeni. "Inogona kunge iri kumashure kwe20 muzana, saka zvakawanda," anodaro Peter Borgdorff, director weHealthcare and Welfare pension fund.
Kunobva: NOS.nl
Hurumende haifanirwe kuvhiringa indexation muhomwe dzepenjeni;
vanogona kuzviita ivo pachavo. Mafungiro anosvika kure ebaba; tinoziva
izvo zvakanakira mugari! Zvakaipa kwazvo kana Imba yeVamiririri ichibvumirana neizvi.
Inge
Mapoto emudyandigere atozara panguva ino, asi vanhu vanobva varamba kuudza vanhu kuti mumakore gumi nemashanu kusvika makumi maviri mwana wese kubva Hondo Yenyika Yechipiri ichangofa uye saka zvishoma zvichafanirwa kubhadharwa.
Sei ruzivo urwu rusingaverengerwe mukuverenga kwese? Pamwe nekuti zviri kuomerwa nehurumende kuchera mapoto epenjeni.
Chatter mumba. Ingotarisa mapeji ekuvhara akadzikira zvakanyanya mumwedzi wapfuura. Kufutisa mari dzepenjeni chinhu chakanaka chose, asi izvozvo hazvifanirwe kurongeka zvakare nehurumende nechisungo.
Dambudziko guru riri muhutungamiri. Mubasa rangu, homwe yepenjeni yakatangwa munenge muna 1974. Izvi zvisati zvaitika, munhu wose aifanira kuzvirongera kuti azvigadzirire chimwe chinhu pashure pokunge arega kushanda. Nhamba yakakosha yevaaishanda navo yaipesana neizvi, asi zvakazogamuchirwa uye zvakabva zvave zvekusungirwa, kunyangwe kune avo vakatoita gadziriro. Ndakaona muenzaniso unoshamisa padhuze. Varoorani vane ushamwari, vose vari vaviri vaanoshanda navo, vakamhanya muitiro wavo pamwe chete. Gore rekutanga mubhadharo waifanira kubhadharwa waive NLG 6000, iyo ivo vese vaifanira kubhadhara. Paive nekuratidzira: nharo yavo huru yaive yekuti kana tose tikafa hatichadi penjeni kana yechirikadzi uye kana mumwe wedu akafa, mumwe anogona kuramba achishanda. Izvozvo hazvina kugamuchirwa. Pakupedzisira, chinhu chimwe chete chaigona kuwanikwa chaiva: mumwe munhu anobhadhara mari yakakwana, imwe chete mari yekutonga. Uye mari idzi dzakazove f. 3600: 60% yemubhadharo unofanirwa kubhadharwa!
Iye zvino ndava kuwana penjeni, anenge makore andakashanda muNetherlands. Pakave pasina indexation mumakore mashanu apfuura, asi gore rino penjeni yakaderedzwa ne5%.
Neraki, ini ndakazvivakirawo mamwe matura pachangu, nekuti mumakore 8 apfuura mudyandigere uye mari yeAOW yadonha ne35%.
Kuzvichengetedza uye kuisa mari zvakanyatsonaka ndiyo mhinduro.
Kushanda kwese uku hakusi chimwe chinhu kunze kwekunyadzisa kwehutongi hwehurumende iyi. Parizvino pane bhiriyoni 1.200 kana 1,2 matiriyoni (1.200.000.000.000) maeuro muhari dzepenjeni, ingangoita 75.000 euros pamugari weNetherlands kubva kumucheche kusvika kune vachembera kwazvo! Pamusoro pekuona kucheka kwehutsinye, mabhangi, makambani einishuwarenzi uye makambani ekudyara kunyanya ari kuita purofiti yakawanda kubva pachiyero ichi. Tichifunga nezve chokwadi chekuti kune nzvimbo yakakosha kubva kumasangano emari muThe Hague neBrussels, zvinokwanisika kuti izvi zvakatemerwa mutemo wekanzuru iyi. Chekupedzisira, kune zvakare mamwe madhairekitori anofanirwa kugoverwa! Izvo vanhu muThe Hague sezviri pachena vasingazive kana kusada kuziva ndezvekuti nekufamba kwenguva vanenge vachizvipfura ivo pachavo mubhaketi yemutero. Kana kuchembera kuchinyatsobata, sezvo hurumende iyi inoda kuita zvinonzwisisika, penjeni ichadzikira makumi muzana uye nekudaro mari yemutero. Ndingashamisika kana The Hague yatotora izvi mukufunga kwavo kwemakore akawanda. Saka kuchava nekucheka zvakare kuzvizvarwa zvinotevera!
Zvinova pachena kuti mudyandigere uye AOW ndeyekuwedzera kune izvo zvaunochengeta mubhangi, mune yekare sock kana mumba mako. Uye kana usingakwanise kuzviponesa, unenge wava murombo mushure memakore 65-67-72. Usaverengere jackpot muroti yenyika nekuti ndeyangu.
Mari yepenjeni ine mari yakakwana.
Kana mari yose iri muhomwe yepenjeni yakabvumirwa kugoverwa pakati pevatori vechikamu ikozvino (chaizvoizvo, varidzi vemari iyi yose), munhu wose aigona kugara muimba ine muchengeti.
Dambudziko nderekuti hurumende inoda (uye pamwe zvakare manejimendi ehomwe yepenjeni) kuchengetedza midziyo iri muhomwe yepenjeni zvachose.
Iyo capital yakambobhadharwa semubhadharo, asi haife yakabhadharwa semudyandigere.
Kukosha kwemari iri muhomwe dzepenjeni idzi kuhurumende ndeyekuti homwe idzi dzinopa hurumende mari nekutenga mabhondi ehurumende.