Dongosolo Lapenshoni: Kupereka nokha kapena kupaka mafuta penshioni?

Nayi njira zina zapenshoni:

kufa inshuwaransi yapamwamba modzifunira ndizotheka kuwonjezera penshoni ya boma ngati ndalama zapenshoni. Simulipira mu inshuwaransi yawokha, koma mumachitidwe a penshoni. Chopereka chapachaka sichingadutse kawiri pazomwe amapereka - pano ndi 9.060 euros.

Ndi Kugula kowonjezera kwa sukulu ndi nthawi yowerengera penshoni itha kuchuluka kapena penshoni ikhoza kupititsidwa. Sukulu, maphunziro kapena mwezi wophunzitsira umawononga 1.1.1955 Euro kwa anthu obadwa pambuyo pa 1.032,84. Kwa anthu omwe adabadwa 01.01.1955 isanachitike, kugula kowonjezerako kumakhala kokwera mtengo kudzera pa zomwe zimadziwika kuti "chiopsezo chowonjezera": mutamaliza 55. Chaka chimodzi cha maphunziro chimawononga 2.292,90 Euro, mutamaliza 60. Chaka 2.416,85 Euro.

Ndalama zapenshoni zapadera

Mabanki onse ndi makampani a inshuwaransi amapereka mapulani a penshoni. Komabe, katswiri wa AK Wolfgang Panhölzl akuchenjeza kuti tisatseke mwachangu chogulitsa. Othandizira pawokha angapangitse kuti pensheni ikhale yayikulu kwambiri ndikusakanikirana ndi kusinthasintha kwa inflation (kusinthasintha kwa inflation). Ngati kubwezeredwa kwakukulu kulonjezedwa, chiwopsezo nthawi zambiri chimakhala chachikulu kwambiri. Mu lipoti la VKI (Association for Consumer Protection), othandizira penshoni yapayekha sachita bwino nawonso: "Mapenshoni owonjezera pawokha amakhazikitsidwa makamaka pamalamulo osinthika, opaque, a inshuwaransi ya moyo" pamenepa.

Werengani zambiri pano Penshoni yamtsogolo ku Austria, penshioni mawerengedwe ndi njira zina zapenshoni.

Photo / Video: Michael Hetzmannseder.