Vanopfuura 37% vevanhu vanoshanda dzimwe nguva vanorasikirwa nehope pamusoro pepenjeni yavo
Kunetsekana pamusoro pehuwandu hwepenjeni yakawedzerwa (52%), kuti vachakwanisa here kurarama mushure mekuenda pamudyandigere (45%) uye kuderera kwemari yavachasangana nayo (35%) ndizvo zvikonzero zvikuru zve37. % yevashandi vanonetsekana nezve penjeni yako.
Izvi zvinoonekwa kubva ku2020 pension monitor yeMoney Wise, yakaitwa pakati pevaDutch vanoshanda (N=1022) mukati meiyo yechigumi edition yePensioen10daagse. Mumazuva matatu aya musi wa3, 3 na4 Mbudzi, vanhu vanogona kuziva nezvepenjeni yavo nenzira dzakasiyana. Dingindira ra5 nderekuti: Yakarongwa zvakanaka gare gare? Zvitarise izvozvi!
Kuzviongorora kwepenjeni ruzivo kuri kuwedzera, kunetseka kuri kuwedzera
Chakafadza gore rino ndechekuti vanhu vanoti vanenge vari kuwedzera ruzivo rwavo rwemari yemudyandigere. 44% yevanhu inoratidza kuti vanoziva nezve mari yakawanda yavanogona kutarisira mushure mekurega (2018: 38%). 34% vanoziva kuti imarii yavanozoda mushure mekurega basa (2018: 28%) uye 42% vanoti vanoziva nezvemikana yekuwedzera penjeni (2018: 29%). Vanenge chikamu chimwe muzvitatu (31%) chevakabvunzwa vari (zvinonzwisisika) vane hanya nezvekuti vachave nemari yakakwana yekurarama hupenyu hwemazuva ose mushure mekurega basa (2018: 26%). Vanhu vasina kudzidza uye avo vane mari yepasi-avhareji ndivo vanonyanya kunetseka.
Kuronga zvakanaka gare gare? Zvitarise izvozvi!
Kunyange hazvo chikamu makumi mashanu nenhanhatu kubva muzana chevakabvunzurudzwa ichiti zvakakosha kuti vanyatso ziva nezvemamiriro avo emari mushure mekuenda pamudyandigere, chikamu che56% chete chinotora nguva yekuzeya mamiriro avo epenjeni. Varume vanoita izvi kakawanda (20%) pane vakadzi (27%). Nekudaro, hafu yevakabvunzwa vanotenda kuti ivo vanofanirwa kuita tsvakiridzo yakawanda. Asi zvisinei nevavariro dzakanaka, vanhu vanowanzo (kuenderera mberi) kumbomira kugadzirira kuenda pamudyandigere, nekuti vanofungidzira kuti zvinotora nguva yakawanda kupfuura zvazvinoita. Akachenjera munyaya dzemari saka anoda kukurudzira vanhu kutora danho rekutanga panguva yePensioen13daagse kuti vadzidze zvakawanda nezvepenjeni yavo pachavo. Nechishandiso chitsva chepamhepo chiri nyore 'Zvauri kuenda kupenjeni yako' paPensioen3daagse.nl, vanhu vanowana muono wakajeka wekuti vanoziva zvakawanda sei nezvepenjeni yavo mumatanho mashoma. Zvichienderana nemhedzisiro iyi, sarudzo dzinopihwa kuti uwedzere kuongorora mamiriro ako pachako, uine kana pasina rubatsiro rwevanoziva kana nyanzvi.
Vanopfuura chikamu chimwe muzvitatu chevanopfuura makore makumi mashanu neshanu vanozvidemba kuti havana kutanga kuvaka penjeni nekukurumidza
Apo vanhu vanopfuura makumi mashanu neshanu vakatora nhanho imwe kana kupfuura kuti varambe vachirarama mushure mekurega basa vakatarisa kumashure sezvavanoita ikozvino, 55% vanofunga kuti vaifanira kunge vatanga kare, vachifunga nezvemamiriro avo emari. Vanhu vasina kudzidza zvakanyanya vanowanzove nemafungiro ekuti vaifanira kunge vatanga kare (38%), sezvakaita vakapindura vane mari yepasi-avhareji (52%). Mharidzo inonyanya kukosha iyo vanodarika makore makumi mashanu neshanu vanoda kupa kune avo vane makore makumi matatu ekuzvarwa neruzivo rwavo rwemazuva ano ndeiyi: tanga kuchengetedza nenguva (54%), tora nguva yekufunga nezve penjeni yako kana zvakakosha shanduko muhupenyu hwako. (55%) uye gara uchitarisa kuti mari yepenjeni yaunowana (30%).
Kunobva: Money Wise
Vanopfuura makumi mashanu neshanu vanogona kutaura izvozvo, asi ipapo panofanirawo kuve nenzvimbo. Kunyangwe iripo, hapana chainoburitsa.
Hupenyu hunogadzirwa hwapera uye vechidiki vemazuva ano ndiSjaak.
Youth de Sjaak?
Kusvika makore mashoma apfuura, ndakanga ndave nemakore angangoita makumi matanhatu uye ndaifunga kuti penjeni yangu yakawedzerwa pamwe chete neAOW inofanira kukwana kuva nehupenyu hwakanaka mushure mekuenda pamudyandigere. Takazobva pamari yekupedzisira kusvika paavhareji muhoro, pasina indexations, kuwedzera muzera remudyandigere, ikozvino chibvumirano chepenjeni apo kudzikiswa kwakamirira uye pasina indexations yemakore mashanu anotevera.
Pamusoro pezvo, isu hatisati taziva kuti ndezvipi zvimwe zvisina kunaka zvichabuda mazviri….
Vechidiki vachine nguva yekutarisira izvi, isu hatisisina, chaizvoizvo zvinoratidzika kuti kune hombe yepenjeni yakasara iyo hurumende uye / kana kurarama panguva iyoyo vanogona kubatsirwa.
Kuva neimba yako pachako kwakakosha papenjeni yako. Kana yakatengwa nenguva, kubhadhara kunorongwa panguva yekuenda pamudyandigere uye unorarama nemitengo yakaderera yedzimba, nekuti mushure mezvose, hapasisina chekubhadhara kana zvisungo zvekurenda. Uye iwe unogona kusarudza kutamira kune imwe nyika ine mutero wakapfava senge Thailand uye kurenda imba yakachipa ipapo, iwe unochengetedza shiri mbiri nedombo 2 uye kana ukarenda imba yako muNetherlands iwe unowana zvakatowanda uye unogona. shandisa izvi kune mamwe mari yezvehutano.
Nyaya yacho inotaura nezvevanhu vane mari shoma uye ndiro boka risina zvakawanda zvokusarudza nokuti zvakaoma kuchengetedza kana kuchengeta mari yepenjeni yako uye kuramba uchiita kudaro kwemakumi emakore nguva dzose zvakanyanyisa kubvunza. Zviri nani ipapo kubhadhara kunosungirwa kupinda mupenjeni yekuwedzera kuitira kuti mari iende kubasa gare gare uye kana yaiswa, mari haichakwanisi kubviswa.
Kunyange zvazvo shamwari dzakawanda nevazivikanwi vaimbofunga kuti zvakanga zvandiwedzerera zvokuti ndakatofunga nezveinishuwarenzi yomudyandigere ndichiri muduku, ndinofara kuti ndakazviita.
Kusiyana nenharaunda yangu, kusiyana nemamwe akawanda, ndakabuda zvakanaka nezororo re1 pagore, uye kana risina kushanda kwegore, hapana murume aipfuura kuti aite chimwe chinhu.
Uyezve, kana vana vari kunze kwemba, une marudzi ese esarudzo dzekugadzirisa imba yako yeramangwana nenzira yekuti inoramba ichikwanisika maererano nehukuru, basa, kuchengetedza, rendi kana mutengo wekutenga, kuitira kuti otomatiki yakawanda nguva yakawanda uye kamuri yemari yekufambisa yekuchembera kwako.
Mumwe munhu aigona kushanda upenyu hwake muNetherlands, kunze kweavo vakaremara kana kuti vanorwara kwenguva refu, akasiyana nevezera rake redzimwe nyika dzakawanda, mupfuri wesimbi wokufara kwake amene.
Ndinoziva/ndinoziva vanhu vakawanda avo, muupenyu hwavo hwose, vakaona mufaro uri wose sekodzero yavo, uye nokudaro havana kurega chinhu, nepo zvino vachipomera hurumende nokuda kwechinhu chiri chose.
Ndakanakidzwa nehupenyu hwangu hwese!
Uye ikozvino muThailand kweanoda kusvika makore gumi.
Kuchengetedza ndiko kuisa hupenyu hwakanaka kune gare gare!
Sei?
Maererano nenhamba, vanhu vakawanda vachafa VASATI vasvika zera rokurega basa.
Ndosaka makore ari kusimudzwa kuti angochengeta mari yakawanda muhomwe yako, hurumende yako.
Hazvinei nekuchembera.
Iwe haubvumirwi, ingoshanda kusvika "wadonha" wafa. Pension yakambovambwa nemaonero echivanhu, asi iko zvino wava munzwa kudivi rehurumende yenyu.
Vanhu vanodawo kuenda ikoko, hapasisina penjeni, kuti mari iparadzwe neimwe nzira.
Chokwadi haukuri uchifara, hosha dzemhando dzese dzinomuka uye unoona vanachiremba nezvipatara zvakanyanya. Nekuda kweizvozvo, mari yehutano inokwira. Yako premium uye yako pachako mipiro ichawedzera.
Zvinoreva kuti, kana wakapfuma zvakakwana, unobvumirwa kukwegura.
Kushanda kusvika wava nemakore 67? Nemitemo, hurumende yako inokubvumira kuyeuka izvozvo uye vatungamiri vachatsvaga chikonzero chekukudzinga. Edza kutsvaga basa kana wapfuura makore makumi mashanu kana kunyange mumakumi mana.
Pashure pezvose, pane imwe nguva apo asbestos nezvimwe zvinhu zvakawanda zvine chepfu zvakashandiswa kwose kwose.
Pakanga pasina mitemo, pasina dziviriro uye izvo zvinobata boka guru.
Zvakare vanhu vari mumabasa anorema, vakaneta mumuviri. Saka vanofa kare, vasati vaenda pamudyandigere, kunyanya vakaderera kushanda makirasi uye shoma pakati kushanda makirasi?.
Kazhinji, vepamusoro havana chekunyunyuta pamusoro, nekuda kwemuhoro wavo werupo. Basa ravo ndere pen nebepa, haungazviti zvinoremedza.
Chinhu chakanakira vashandi vadiki kutenga imba uye kuve nehupenyu huri nani kubva ipapo gare gare.
Kunyangwe hurumende yako ichiedzawo kuramba izvi zvakanyanya sezvinobvira. Iwe unowana mari shoma, saka haugone kutenga imba. uye mitengo iri kukwira. Uye kuvaka kutsva hakugoneki, nekuti munhu anofanirwa kutevedzera NO emissions yakaiswa neEuropean mutemo. Hooray, zvakanaka.
Vanhu vangani vanoshanda ipapo uye vasina (yekurojesa) imba? Vanhu vangani havachisiri maDutch nekuda kwemamiriro ezvinhu uye vanogara neshamwari, mhuri mumugwagwa. Gomo, tarisa maprogrammes eZembla, etc. Kana murume akazvipisa pamberi pehoro yedhorobha.
Hongu, takabatikana, hurumende yedu, chero yatinosarudza!!
Kubva 2000 kwave nekushanduka chaiko uye nzanga yepasi rose yakavakirwa pavanhu vakapfuma.
Retirement mune ramangwana? Iwe hausi kuzoiwana, asi iwe uchabhadhara.
Vashandi vadiki vachafanira kutarisa mhinduro yavo yepenjeni inobvira.
Zvakaoma, sezvo zviri kure uye iwe unogara ikozvino uye hurumende yako inokuodza mwoyo mune chero rudzi rwerumutsiriro. Ini handina kumbofunga nezvazvo, asi ndakazorarama mune imwe nguva.
(inenge) Akashanda nesimba hupenyu hwangu hwese uye ndakawana mari yakanaka.
Mumakore angu mudiki ndaiwanzobuda ndichiona nyika zhinji uye, sevazhinji venyu, vanga vakanamatira kune imwe nhanho kubva kuIsaan kwemakore gumi nemanomwe apfuura uye ndichiri kuzeza kugara ipapo, iyo iri kure. track yenguva iripo.
Panyaya dzemari handina kana chandinodemba, chero mari yangu yave shoma mubank.At least ndaigara handicheme uye handipomera munhu.
Ndave pamudyandigere kwemakore maviri ikozvino uye ndaona shamwari dzakawanda uye vaunoziva vasina kuzviita.
uye vane mari yakaunganidzwa zvino vana vavo vari kuenda kunoona nyika.
Uye pamwe rimwe zuva mabhenefiti angu achagurwa, ngazvive zvakadaro.
Ndinofara kuti ndichiri kugona kufema uye kugara pamusoro pevhu.
Ndinovimba izvi zvinoshandawo kwauri. Vanhu havanyunyuti zvakanyanya.Zvinokunetsa here!
Hutano hwakanaka mose.
Ralph
Ungafunga kuti zvipikirwa zvinounza zvikwereti, asi hazvisisiri kudaro nehurumende dzanhasi. Zvishoma, zvishoma ndiyo motto. Uye zvechokwadi, inogona kunge iri shoma uye isu tichazosangana neumpteenth discount zvakare mugore idzva. Zvichienderana nehuwandu hwekuti, semuenzaniso, iyo ABP ichiri kuwira pasi pe90%, 1% kana 2% kuderedzwa kuri pamberi. Izvi zvinoshandiswa pasina kubwaira maziso uye ruzivo rwehunyengeri rwunopihwa kwatiri. Iwe haugone kuita neimwe nzira, nekuti zvaitwa. Sekuziva kwangu, avo vanopwanya vanogona kuenda kumba uye kutora mudyandigere. Kutanga naMinister Koolmees. Kunyanya mushure mokunge achangobva kuzivisa kuti Dutchman anofarira penjeni ine rupo uye haachawani mari. Paavhareji nezve 800 euros pamwedzi. Poto yakakora kana kuti urombo hunoita sehurombo, unohutumidza. MuDutchman anokodzera zvirinani mukutenda kwangu, asi ari kurwisana netambo yekupedzisa. Ndingada kuziva kuti vangani vanhu vechiDutch vanoziva nheyo yekuchengetedza mudyandigere, kana kuti zvakanyanya kubvunza kuti uzvitarise. Vanopa mhinduro kune dambudziko rinogona kushandiswa nenzira iyi. Asi hongu, kusada, nokuda kwemarudzi ose ezvikonzero zvoupenzi, zvicharamba zvichiwira pamusoro pedu, zvirokwazvo chero bedzi pasina kubatana uye kubatana hakuchina mumashoko evakawanda. .