{"id":6968,"date":"2021-04-29T09:33:14","date_gmt":"2021-04-29T09:33:14","guid":{"rendered":"https:\/\/uet.edu.al\/?p=6968"},"modified":"2021-04-29T09:33:14","modified_gmt":"2021-04-29T09:33:14","slug":"drejtori-i-sigal-pension-fund-ne-uet-investoni-per-pension-privat","status":"publish","type":"post","link":"https:\/\/uet.edu.al\/en\/drejtori-i-sigal-pension-fund-ne-uet-investoni-per-pension-privat\/","title":{"rendered":"Drejtori i SIGAL Pension Fund n\u00eb UET: Investoni p\u00ebr pension privat"},"content":{"rendered":"

Departamenti i Ekonomiksit dhe Financ\u00ebs n\u00eb UET organizoi dje nj\u00eb takim t\u00eb hapur me tem\u00eb \u201cProduktet Financiare me karakter investimi n\u00eb industrin\u00eb e sigurimeve dhe fondeve t\u00eb pensioneve\u201d, ku i ftuar ishte Drejtori i P\u00ebrgjithsh\u00ebm i SIGAL Pension Fund, Elvis Ponari<\/em><\/p>\n

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Shpeshher\u00eb na merr rrjedha e jet\u00ebs, fluksi n\u00eb pun\u00eb, apo n\u00eb \u00e7do aspekt tjet\u00ebr t\u00eb jet\u00ebs dhe mendojm\u00eb se koha p\u00ebr t\u00eb p\u00ebrfituar pensionin \u00ebsht\u00eb shum\u00eb larg. Por gjithmon\u00eb duhet menduar se edhe ajo dit\u00eb do vij\u00eb, ndoshta m\u00eb shpejt nga sa e kishim menduar.<\/p>\n

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Por a keni d\u00ebgjuar ndonj\u00ebher\u00eb p\u00ebr pensionet private? Ato jan\u00eb lloje pensioni q\u00eb mund t\u00eb vendosni p\u00ebr t\u2019ju ndihmuar t\u00eb kurseni para p\u00ebr mosh\u00ebn e tret\u00eb.<\/p>\n

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Vlera e pensioneve privat\u00eb zakonisht bazohet n\u00eb sa para keni paguar dhe si performojn\u00eb investimet tuaja. K\u00ebto pensione jan\u00eb t\u00eb p\u00ebrcaktuara n\u00eb baz\u00eb t\u00eb kontributeve tuaja, q\u00eb do t\u00eb thot\u00eb se parat\u00eb q\u00eb merrni n\u00eb pension bazohen n\u00eb parat\u00eb q\u00eb keni paguar dhe performanc\u00ebn e investimeve tuaja.<\/p>\n

N\u00eb dallim nga pensioni shtet\u00ebror, pensioni privat i SIGAL LIFE UNIQA ofron m\u00eb shum\u00eb fleksibilitet n\u00eb kontribute dhe n\u00eb rast fatkeq\u00ebsie shumat e pat\u00ebrhequra jan\u00eb pron\u00eb e trash\u00ebgimtar\u00ebve.<\/p>\n

N\u00eb SIGAL LIFE UNIQA do t\u00eb gjeni disa kategori pensionesh si;<\/p>\n

\u2022 Pension pleq\u00ebrie, kur mbush mosh\u00ebn p\u00ebr pension sipas ligjit p\u00ebr Sigurimet Shoq\u00ebrore Shtet\u00ebrore. Vler\u00ebn e kontributit dhe koh\u00ebn e t\u00ebrheqjes s\u00eb tij e p\u00ebrcaktoni vet\u00eb.<\/p>\n

\u2022 Pension t\u00eb parakohsh\u00ebm: 5 vjet para se t\u00eb mbushni mosh\u00ebn p\u00ebr pension, sipas ligjit p\u00ebr Sigurimet Shoq\u00ebrore Shtet\u00ebrore<\/p>\n

\u2022 Pension invaliditeti: n\u00eb rast s\u00ebmundje ose aksidenti gjat\u00eb koh\u00ebs s\u00eb sigurimit<\/p>\n

\u2022 Pension familjar: n\u00eb rast fatkeq\u00ebsie t\u00eb t\u00eb siguruarit<\/p>\n

Drejtori i P\u00ebrgjithsh\u00ebm i SIGAL Pension Fund, Elvis Ponari shpjegoi n\u00eb UET se p\u00ebrfitimet q\u00eb ofron pensioni privat jan\u00eb nga m\u00eb t\u00eb shumtat dhe se mund t\u00eb jet\u00eb nj\u00eb form\u00eb e mir\u00ebfillt\u00eb kursimi q\u00eb ka edhe p\u00ebrqindjet e fitimit.<\/p>\n

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\u201cP\u00ebrfitimet q\u00eb ofron pensioni privat jan\u00eb t\u00eb shumat. Nj\u00eb form\u00eb kursimi \u00ebsht\u00eb se k\u00ebto kontribute ne si kompani i investojm\u00eb dhe nga ky investim ka nj\u00eb kthim neto rreth 4 p\u00ebrqund n\u00eb vit p\u00ebr 10 vite. Fitimi i shtohet n\u00eb llogari punonj\u00ebsit dhe kur investon ka m\u00eb shum\u00eb para\u201d<\/em>, tha Ponari.<\/p>\n

Kemi d\u00ebgjuar kushedi sa e sa her\u00eb q\u00eb persona t\u00eb ndrysh\u00ebm ankohen p\u00ebr mosh\u00ebn n\u00eb t\u00eb cil\u00ebn p\u00ebriftojn\u00eb pensionin shtet\u00ebror. N\u00eb ndryshim nga ky i fundit pensioni privat ul edhe mosh\u00ebn e p\u00ebrfitimit t\u00eb pensionit, qoft\u00eb p\u00ebr meshkujt apo dhe grat\u00eb.<\/p>\n

\u201cPersonat q\u00eb kan\u00eb pension privat i t\u00ebrheqin parat\u00eb 5 vite m\u00eb par\u00eb. Psh jo 65 vjet, por 60\u201d<\/em>, shpjegoi Drejtori i SIGAL Pension Fund.
\nPor gjithmon\u00eb jet\u00ebs nuk i dihet dhe p\u00ebr \u00e7do t\u00eb papritur q\u00eb mund t\u00eb na ndodh\u00eb duhet dhe nj\u00eb \u201cplan B\u201d p\u00ebr p\u00ebrfitimin e pensionit t\u00eb cilin t\u2019i ke investuar.<\/p>\n

\u201cN\u00ebse ndodh q\u00eb personi mbetet invalid, i lind e drejta q\u00eb fondet e pensionit t\u2019i t\u00ebrheq\u00eb pa asnj\u00eb penalitet<\/em>\u201d, tregoi m\u00eb tej Ponari, nd\u00ebrsa theksoi se pensionet private jan\u00eb po ashtu t\u00eb trash\u00ebgueshme.<\/p>\n

\u201cPensionet private jan\u00eb t\u00eb trash\u00ebgueshme. Psh n\u00ebse ndodh ndonj\u00eb ngjarje trash\u00ebgohen tek familjar\u00ebt. Po ashtu jan\u00eb dhe t\u00eb patjet\u00ebrsueshme, nuk mund t\u00eb jen\u00eb objet sekuestrimi apo konfiskimi, pasi jan\u00eb t\u00eb ardhura p\u00ebr mosh\u00ebn e tret\u00eb<\/em>\u201d, u shpreh ai.
\nNga ana tjet\u00ebr n\u00ebse nj\u00eb person i cili nuk ka mbushur mosh\u00ebn k\u00ebrkon t\u00eb t\u00ebrheq\u00eb pensionin privat do t\u00eb ket\u00eb dh\u00eb nj\u00eb penalitet p\u00ebr t\u00ebrheqje t\u00eb parakohshme.<\/p>\n

\u201cN\u00ebse i t\u00ebrhiqni kur t\u00eb doni ka penalitete n\u00eb baz\u00eb t\u00eb viteve q\u00eb po t\u00ebrhiqni pensionin. P\u00ebr pes\u00eb vitet e para 15% t\u00eb shum\u00ebs gjob\u00eb. P\u00ebr 5-10 vit\u00eb b\u00ebhet 10% dhe mbi dhjet\u00eb vit\u00eb 2%. Por kjo p\u00ebrballohet nga fitimi q\u00eb k\u00eb akumuluar\u201d<\/em>, shpjegoi Drejtori i P\u00ebrgjithsh\u00ebm.
\nParat\u00eb q\u00eb vendosni n\u00eb pensionin tuaj privat zakonisht do t\u00eb investohen n\u00eb nj\u00eb s\u00ebr\u00eb pasurish si bono thesari apo letra me vler\u00eb.
\nNd\u00ebrsa sa i p\u00ebrket form\u00ebs se si mund t\u00eb investoni, Drejtori i P\u00ebrgjithsh\u00ebm i SIGAL Pension Fund, Elvis Ponari thot\u00eb se gjith\u00e7ka varet nga mosha.<\/p>\n

\u201cDuke u bazuar tek mosha e re, me kontribute t\u00eb vogla mujore, pasi kan\u00eb shum\u00eb vite p\u00ebr t\u00eb investuar dhe mund t\u00eb akumulojn\u00eb mjaftuesh\u00ebm fond\u00eb p\u00ebr nj\u00eb pension t\u00eb k\u00ebnaqsh\u00ebm. M\u00eb t\u00eb moshuarit mund t\u00eb paguajn\u00eb 10 vite nj\u00ebkoh\u00ebsisht psh dhe m\u00eb pas pagesa mujore\u201d.<\/em><\/p>\n

Personi i cili do t\u00eb an\u00ebtar\u00ebsohet p\u00ebr pensionin privat p\u00ebrve\u00e7 formularit me t\u00eb dh\u00ebnat q\u00eb plot\u00ebson dhe kontrat\u00ebs s\u00eb pensionit, pajiset dhe m\u00eb nj\u00eb kart\u00eb an\u00ebtar\u00ebsie e cila ka kodin dhe pas\u00ebordin e saj, me t\u00eb cilat mund t\u00eb futesh online dhe t\u00eb kontrolloj\u00eb gjendjen e llogaris\u00eb. Kjo gjendje update-ohet \u00e7do 24 or\u00eb.<\/p>\n

P\u00ebrgjegj\u00ebsi i Departamentit t\u00eb Ekonomiksit dhe Financ\u00ebs, Prof. Asoc. Dr. Elvin Meka tregoi interes sa i p\u00ebrket pagesave mujore q\u00eb mund t\u00eb b\u00ebj\u00eb nj\u00eb person i pun\u00ebsuar me nj\u00eb rrog\u00eb minimale n\u00eb Shqip\u00ebri.<\/p>\n

Duke ju p\u00ebrgjigjur interesit t\u00eb profesor Mek\u00ebs, Ponari sqaroi se kontributi m\u00eb i vog\u00ebl mund t\u00eb jet\u00eb 10 mij\u00eb lek\u00eb t\u00eb vjetra.<\/p>\n

\u201cDuke qen\u00eb se \u00ebsht\u00eb vullnetar, mund t\u00eb p\u00ebrcaktosh dhe t\u00eb paguash p\u00ebr disa vite me radh\u00eb. Mbas disa vitesh, mund ta stoposh dhe gjithashtu mund t\u00eb marr\u00ebsh fitimin. S\u00ebrish mund t\u00eb rifillosh t\u00eb investosh kur t\u00eb kesh mund\u00ebsi financiar<\/em>e\u201d, tha Ponari.<\/p>\n

Sipas Drejtorit t\u00eb SIGAL Pension Fund ka pasur dhe raste kur t\u00eb gjitha t\u00eb ardhurat e investuara p\u00ebr pensionin kan\u00eb sh\u00ebrbyer si nj\u00eb lloj trash\u00ebgimie p\u00ebr t\u00eb af\u00ebrmit.<\/p>\n

\u201cKemi raste q\u00eb kan\u00eb mbushur mosh\u00ebn dhe shum\u00ebn kan\u00eb dashur ta l\u00ebn\u00eb trash\u00ebgimi p\u00ebr familjar\u00ebt. Nd\u00ebrkoh\u00eb kan\u00eb t\u00ebrhequr vet\u00ebm fitimin\u201d<\/em>, tha Ponari.<\/p>","protected":false},"excerpt":{"rendered":"

Departamenti i Ekonomiksit dhe Financ\u00ebs n\u00eb UET organizoi dje nj\u00eb takim t\u00eb hapur me tem\u00eb \u201cProduktet Financiare me karakter investimi n\u00eb industrin\u00eb e sigurimeve dhe fondeve t\u00eb pensioneve\u201d, ku i ftuar ishte Drejtori i P\u00ebrgjithsh\u00ebm i SIGAL Pension Fund, Elvis … <\/p>","protected":false},"author":1,"featured_media":6970,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[61],"tags":[],"class_list":["post-6968","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-te-ndryshme"],"yoast_head":"\nDrejtori i SIGAL Pension Fund n\u00eb UET: Investoni p\u00ebr pension privat - UET<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/uet.edu.al\/en\/drejtori-i-sigal-pension-fund-ne-uet-investoni-per-pension-privat\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Drejtori i SIGAL Pension Fund n\u00eb UET: Investoni p\u00ebr pension privat - 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