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Home » Expats uye vakarega basa » Pension » Pensheni kubva kuABP, PfZW, PMT nePME haizowedzerwe zvakare gore rinouya
Mari yepenjeni iri kuita zvirinani zvishoma nekuda kwezvakanaka zvekutsvaga mari uye mibairo yepamusoro muna 2017. Mari diki inogona zvakare zvishoma. Izvi zvakataurwa neDe Nederlandsche Bank (DNB).
Nehurombo, mari zhinji dzepenjeni, dzinosanganisira ina huru, ABP, PfZW, PMT ne PME, dzichiri dzisina kukwana kuenzana kwekukwanisa kuita index. Nekuda kweizvozvo, hakuzove ne indexation gore rino kune vangangosvika mamirioni gumi nematatu evatori vechikamu homwe yepenjeni. Muboka iri, vatori vechikamu mamirioni gumi vakatotyisidzirwa neimwe dhipatimendi pamusoro pekusaita indexation muna 13 kana 10, kana mamiriro emari emari yavo yepenjeni asina kugadzirika panguva iyoyo.
Mari zhinji inonyanya kutsamira pamibairo yavo yekudyara. Mibairo iri nani inofanira kuwedzera mwero wekuvhara, asi kana zvikasashanda, vanodya penjeni vanosara kumashure.
Kunobva: NOS.nl uye DNB
Joint assets of the pension fund before the crisis in 2008 were 685 billion, and now just under 1335 billion... why not index or even cut!!
Iwe unofunga, Jack, akaiswa marii kubva kune vatsva vevatori vechikamu pakati pa2008 na2018? Iwe haungawedzere here kune iyo 685 bhiriyoni?
Uye usaverenge mari yegore negore ye35 bhiriyoni?
Ndinofungidzira kuti mari dzemudyandigere dzataurwa, kunyange dzisiri shoma, hadzina ruzivo rwakakwana. Vari kungokanganisa, zvinoita. Basa rehurumende? Kutarisira kwehurumende hakuna kukwana? Ndine mudyandigere kubva kuING unonyorwa gore rega rega. Makore gumi apfuura zvakare! Chiyero chekuvhara che ING pension fund chinogara chiri pamusoro pe10%. Mari dzemudyandigere dzataurwa hadzina kuwana 140%. Pane zvakajeka manejimendi paING.
Kana Greece ichifanira kukwereta mabhiriyoni matanhatu, Europe yese ichapindurwa. Nguva pfupi yapfuura ndakaona nhepfenyuro uko mari yepenjeni yakaongororwa. Ndeipi nhengo yedare revatungamiriri ikoko inotambira pagore, ini handisi kuzogamuchira mudyandigere kwehupenyu hwangu hwese, kunyangwe ndikararama kusvika zana.
Mumari 1335 bhiriyoni, 1335, 1335,1335, unogona kudyisa nyika yese, sekutaura, kwemakore gumi. Isu dzimwe nguva tinotaura nezvehuwori muThailand muno mune ino blog, handifunge kuti isu tiri nani.
Iwe ungatarisira kuti mari hombe inounza mari shoma pamunhu anenge atora chikamu uye saka inofanirwa kuwana mhedzisiro iri nani pane diki mari.
Nekuda kweizvozvo, hakuzovi ne indexation gore rino kune vanenge 13 miriyoni vatori vechikamu mumari yepenjeni ... Takave nyika yevanodya mudyandigere ... Pane mamirioni mana chete asara akanyorwa, zvinotanga kubva pazera remucheche here?
Ndiri kufara neABP yangu Vachiri kuwana mhedzisiro iri nani pane pandinoiedza pachangu. Chengeta 1000 euros iwe pachako uye uone kuti zviri nyore sei kuwana zvakakosha kudzoka zviri pamutemo. Nyika yevanyunyuti uye mabunglers ... saka isu 🙂 The best helmsmen...
Zvakanaka George, nyanzvi dzezvemari dzinoshanda kuhomwe yepenjeni kana mari yakasimwa yevatori vechikamu inopihwa kune vekunze vemasangano emari. Tinopihwa mari isingafungidzirwe pabasa ravo. Tichifunga nezveruzivo rwavo uye zviwanikwa, unogona kutarisira kuti ivo vachawana mubhadharo wepamusoro pa € 1000 yawataura kupfuura iwe neni. Parizvino kune 1335 bhiriyoni maeuro muhari dzepenjeni dzakabatana. Gore rino, vatori vechikamu vachaisa 35 bhiriyoni, nepo mabhiriyoni makumi matatu achizobhadharwa. Mune ramangwana, mupiro uchaderera, pamwe nekuda kwekuwedzera kwenhamba yevanhu vanozvishandira, uye huwandu hwezvibatsiro huchawedzera. Zvakadaro, muhari dzemudyandigere muchange muine zvakakwana kuti zvizvarwa zvichauya zvigove nechokwadi chekubatsirikana kwavo. Uye izvo zvinokonzerwa nekudzoka pamigumisiro yekudyara. Mumakore makumi mana adarika, izvi zvave neavhareji ye30% uye, tichipiwa nhoroondo, chikamu ichocho hachizosiyana zvakanyanya kwemakore makumi mana anotevera. Icho chokwadi chekuti hapachazovizve ne indexation yevazhinji vepenjeni mugore rinouya (kwegumi kana 40 nguva mumutsara kune vakawanda) inoenderana nemitemo yezvematongerwo enyika, nepo mari iri muhari iri kukura chete. Ndidzo chokwadi George uye kutaura chokwadi kwakasiyana nekunyunyuta. Zviya zvekuti unodaidzawo vamwe vekwako mabhata hazvina musoro zvachose. Pasi rese, maDutch ane hunyanzvi mukutonga kwemvura, kudhiza, kurima uye kurima zvirimwa, simba rezuva, nezvimwe, uye hongu, maererano nemahelmsmen pamugero, maDutch anewo avo (mazuva ano zvakare vakadzi), kunyangwe izvo zvisiri izvo. waireva. Iwe unofara neABP yako, inova kodzero yako, asi mushure memakore ekuipira, ini pakupedzisira ndinoda kuramba ndakafanana maererano nemari inoraswa kuburikidza ne indexation yepenjeni yangu. Mari iripo asi kuda kwezvematongerwo enyika hakuna.
George,
Taura kubva kuDNB zuva rakapfuura nezuro. ABP yekuvhara chiyero 101,5%.
Saka rimwe zuva mudyandigere wako uchagurwawo, nekuti chiyero chekuvhara chakaderera.
Ndinoona zvisingadaviriki kuti sangano rakadaro rine vazhinji vanonzi 'nyanzvi' havakwanise kuwana mhedzisiro inonzwisisika mumakore akanaka, kana munhu ari nyore atowana 5% paakaundi yake yekuchengetedza.
Asi hongu, kana iwe ukaverenga muripo unogashirwa nepamusoro, unoziva kuti kuzvida kunonyanya kukosha pano.
Wadiwa Brabantman.
Semunhu ari nyore, tora 5% paakaundi yako yekuchengetedza.
Ndiudze chero kubhangi chero kupi, ini ndiri munhuwo zvake asi handina kuona 5% mhindu kana chero chinhu chiri padyo nayo kwemakore.
Mazuvano iwe unogona kuramba uchifara kana ukawana 0,5%.
Uye nemigove hazvisi nyore kuwana kudzoka kunosvika 5% pane portfolio
Ndirikuda kuziva.
Jan Beute.
Janbeute
Dai iwe wakaverenga chinyorwa changu zvakanyanya, ungadai wakaverenga kuti ndakataura nezve 'makore akanaka'. handisi kutaura nezva2018.
Uku kutadza kuwedzera penjeni yedu kuri kukonzerwa nekupindira kwehurumende. Dai vakarega kuba, mari yepenjeni ingadai yawedzera zvishoma. Vaifanira kuchinja mitemo kana zvaidiwa.
Chokwadi pane chimwe chinhu chinoshamisa chiri kuitika nemari yepenjeni.
Panogara paine kutaura nezvezvizvarwa zvinotevera.
Mari iri muhomwe yepenjeni haisi yezvizvarwa zvinotevera zvachose.
Mari yese iri muhomwe yepenjeni ndeyemunhu wese anenge ari muhomwe yepenjeni pari zvino kwete mumwe.
-Izvi zviri kunze kwevatori vechikamu vakafa panguva ino, avo vagari venhaka vanogona kunge vaine chikumbiro pahomwe yepenjeni.-
Mari iyoyo yese yaigona kugovaniswa pro rata kune vari kutora chikamu.
Chete mukuita inoshanda zvakasiyana.
Mari yakakura yakavakirwa kubva kumaprimiyamu uye mibairo yekudyara kuitira vanhu vanozova nhengo dzehomwe yepenjeni mune ramangwana, kuti vawane mari yekubatsirikana.
Nekuda kweizvozvo, nhengo dzemazuva ano dzinowana mari shoma pane yadzinofanirwa kuwana.
Kwete kuti izvi ndezvekushandisa chero kunhengo dzemangwana, nekuti imwechete buffer inobva yaenderera kune inotevera chizvarwa chenhengo.
Nekudaro, ivo vangangobhadhara zvishoma kuti vavake iyo buffer, nekuti izvo zvakatoitika muchizvarwa chedu.
Handizivi kuti ndiani achamhanya nemari kana nhengo yekupedzisira yehomwe yepenjeni yafa (mudhindi wekupedzisira webepanhau rebepa, semuenzaniso), asi ini ndinoona sekuti pane mukana unonzwisisika wekuti mari ichapera. kumusoro muhomwe yehurumende inonyangarika.
Ava ndivo vaiva masachigaro akatevedzana:
Bert de Vries kubva munaChikumi 1997 kusvika Gunyana 1, 2001 (chikamu-nguva)
Elco Brinkman kubva munaGunyana 1, 2001 kusvika Kubvumbi 1, 2009 (chikamu-nguva, paavhareji 1 zuva pasvondo)
Harry Borghouts kubva Kubvumbi 1, 2009 kusvika Nyamavhuvhu 1, 2009
Ed Nijpels kubva Nyamavhuvhu 1, 2009 kusvika Kukadzi 19, 2011. [68]
Henk Brouwer kubva muna Ndira 1, 2012[69] kusvika Chikumi 1, 2014. [70]
Corien Wortmann-Kool kubva muna Ndira 1, 2015[71] (mabviro: Wikipedia)
Ukaona mabasa evamwe vanhu vasati vave sachigaro webhodhi, unowana fungidziro yacho
"kukundikana" kweABP. Elco Brinkman, Ed Nijpels, Harry Borghouts vaive vezvematongerwo enyika vasina kunzwisisa nezve penjeni. Kusarura? Ndiani anoziva angati.
Homwe yepenjeni yeABP, yandinowanawo mupiro wangu, yagara ichitsigira makabati. Kwemakore, mari yakawanda yakatsauswa kubva mupenjeni yedu yakagadzikana. Iyo ABP yave kirabhu isina hunhu, isingatombokwanise kupindura tsamba yangu yekunyunyuta. Ndamirira kwemwedzi inopfuura miviri. Ndinofunga kuti izvi zvino zvaperera mumarara. Aya ndiwo mabatirwo anoitwa mutengi. Eya, zvirokwazvo haasi mambo. Pasinei nokuti kune tsika huru yekubata munyika yemari uye zvechokwadi kwete kukanganwa pamusoro pechikwama chavo, nokuti vane basa rakadaro rinokosha kumusoro kana ndichifanira kuvatenda uye kupa fatuousness yavo. Imari hombe nezvivakwa zvakakura, asi chakakosha imari yemudyandigere, yatinofanirwa kuwana tose nezvatakaudzwa kwemakore. Chirongwa cheBlack Swan chakavhura maziso angu uye zvino nyika yese yeNetherlands iri kupindura muzhinji nenzira yakasimba kwazvo. Isu tiri vanhu uye tinofanirwa kuchembera zvakanaka nemari inokwana sezvatakavimbiswa. Izvo zvinosuruvarisa zvikuru kune mazwi atinofanira kugara tichitaura nezvazvo uye kuti makabati eVVD anoona zvakakosha kupa mari yakawanda nezvinhu zvinodiwa panzvimbo yevashandi vekare.
https://www.maxvandaag.nl/maxpensioenmanifest
Tarisa chikamu chemutepfenyuro Max "the black swans" zvakare, unogona kuona kuti mabhanga pasi rese ari kubira zvese.