Teksa Parlamenti pritet t\u00eb votoj\u00eb Ligjin e ri p\u00ebr Pensionet Private, Kryetari i Komisionit Parlamentar p\u00ebr Ekonomin\u00eb, z.Eduard Shalsi, i pranish\u00ebm n\u00eb Konferenc\u00eb tha:<\/p>\n
\u201cKemi n\u00eb diskutim nj\u00eb projektligj t\u00eb ri p\u00ebr fondet e pensioneve private, t\u00eb cilin presim ta miratojm\u00eb shum\u00eb shpejt dhe q\u00eb mund\u00ebson adresimin e disa problematikave dhe mang\u00ebsive t\u00eb ligjit ekzistues, miratuar 1\ufe0f3 vjet m\u00eb par\u00eb.<\/em><\/p>\n E kemi konsultuar gjer\u00ebsisht projektligjin me grupet e interesit dhe institucionet e p\u00ebrfshira, ku kemi reflektuar nj\u00eb pjes\u00eb t\u00eb mir\u00eb t\u00eb komenteve t\u00eb tyre<\/em><\/p>\n Sigurisht, ka ende nevoj\u00eb p\u00ebr p\u00ebrmir\u00ebsime p\u00ebr t\u00eb cilat dyert tona mbeten t\u00eb gjithmon\u00eb t\u00eb hapura, por kam bindjen se kemi hedhur nj\u00eb hap t\u00eb par\u00eb t\u00eb mir\u00eb dhe cil\u00ebsor p\u00ebr t\u00eb gjith\u00eb tregun, p\u00ebr t\u00eb cilin n\u00eb fakt shum\u00eb m\u00eb shum\u00eb duhet t\u00eb b\u00ebhet n\u00eb drejtim t\u00eb nd\u00ebrgjegj\u00ebsimit dhe edukimit t\u00eb qytetar\u00ebve p\u00ebr konceptin dhe benefitet e pensioneve private\u201d.<\/em><\/p>\n Nga ana tjet\u00ebr, Drejtori i P\u00ebrgjithsh\u00ebm i Institutit t\u00eb Sigurimeve Shoq\u00ebrore, z.Astrit Hado u shpreh se pensionet private nuk jan\u00eb rivale t\u00eb pensionit shtet\u00ebror por mb\u00ebshtet\u00ebse t\u00eb nj\u00ebra-tjetr\u00ebs.<\/p>\n \u201cNe nuk jemi konkurrent\u00eb por komplementar\u00eb t\u00eb nj\u00ebra-tjetr\u00ebs p\u00ebr t\u00eb realizuar nj\u00eb kontribut t\u00eb denj\u00eb p\u00ebr qytetar\u00ebt. At\u00eb q\u00eb nuk realizojm\u00eb dot ne, e plot\u00ebson skema private dhe e kund\u00ebrta duke realizuar nj\u00eb mbrojtje shoq\u00ebore t\u00eb k\u00ebnaqshme. A ka mund\u00ebsi Shqip\u00ebria sot dhe a duhet t\u00eb krijoj\u00eb kolon\u00ebn e dyt\u00eb? Shpr\u00ebsoj q\u00eb kjo konferenc\u00eb ta b\u00ebj\u00eb k\u00ebr\u00eb, t\u00eb shtroj\u00eb si mund t\u00eb b\u00ebhet, kur mund t\u00eb b\u00ebhet sepse ky \u00ebsht\u00eb nj\u00eb proces reformimi q\u00eb kqrkon nj\u00eb diskutim te gjer\u00eb, k\u00ebrkon angazhimin e t\u00eb gjith\u00ebve qe produkti t\u00eb jet\u00eb gjith\u00ebp\u00ebrfshir\u00ebse, e pranueshme nga t\u00eb gjith\u00eb<\/em>\u201d, tha z.Hado.<\/p>\n Modelet p\u00ebr Shqip\u00ebrin\u00eb jan\u00eb gati, thjesht duhen implementuar<\/strong><\/p>\n Modelin me tre kolonat, krahas t\u00eb gjith\u00eb vendeve t\u00eb zhvilluara si Gjermania, Franca, Italia etj, i\/e gjem\u00eb edhe n\u00eb Kosov\u00eb e Maqedonin\u00eb e Veriut. Kontributi p\u00ebr pension n\u00eb Maqedonin\u00eb e Veriut \u00ebsht\u00eb 18% e pag\u00ebs, nga t\u00eb cil\u00ebt 13% derdhet n\u00eb Fondin e Sigurimeve Shoq\u00ebrore p\u00ebr skem\u00ebn shtet\u00ebrore (kolona e I) dhe 5 % derdhet n\u00eb fondet private (kolona e II).<\/p>\n Me plot\u00ebsimin e mosh\u00ebs, \u00e7do njeri merr dy pensione, nj\u00eb shtet\u00ebror dhe nj\u00eb privat t\u00eb formuar nga kontributet e derdhura dhe fitimi nga investimi i tyre.<\/p>\n Vet\u00ebm tre vende t\u00eb Ballkanit Per\u00ebndimor, Shqip\u00ebria, Bosnje-Hercegovina dhe Serbia nuk e kan\u00eb plot\u00ebsuar sistemin e pensioneve me \u201cKolon\u00ebn e Dyt\u00eb\u201d. Kjo p\u00ebrb\u00ebn nj\u00eb nga arsyet themelore, pse niveli i pensioneve n\u00eb k\u00ebto vende \u00ebsht\u00eb me i ulti, krahasuar me vendet e tjera t\u00eb rajonit.<\/p>\n P\u00ebr kushtet ku ndodhet Shqip\u00ebria, futja e nj\u00eb sistemi privat pensionesh (Kolona e Dyt\u00eb) \u00ebsht\u00eb shum\u00eb i p\u00ebrshtatsh\u00ebm. Kjo, p\u00ebr 3 arsye.<\/p>\n S\u00eb pari,<\/strong> n\u00eb Shqip\u00ebri afro 75-80% e PBB-s\u00eb (Prodhimi i Brendsh\u00ebm Bruto) vijn\u00eb nga sektori privat.<\/p>\n S\u00eb dyti<\/strong>, p\u00ebrafrimi i ligjislacionit edhe n\u00eb fush\u00ebn e sigurimeve shoq\u00ebrore \u00ebsht\u00eb kusht p\u00ebr t\u2019u an\u00ebtar\u00ebsuar n\u00eb familjen e p\u00ebrbashk\u00ebt europiane (BE).<\/p>\n S\u00eb treti<\/strong>, k\u00ebto skema ndihmojn\u00eb m\u00eb mir\u00eb ekonomin\u00eb e vendit duke mobilizuar parat\u00eb e lira t\u00eb popullat\u00ebs, n\u00ebp\u00ebrmjet investimeve t\u00eb tyre n\u00eb instrumenta financiar\u00eb afatgjat\u00eb 5-10 vje\u00e7ar\u00eb (Obligacioneve Shtet\u00ebrore).<\/p>\n P\u00ebrfitimet nga skema individuale<\/strong><\/p>\n Filloni t\u00eb kontribuoni qoft\u00eb edhe me vet\u00ebm 1,000 lek\u00eb n\u00eb muaj;<\/p>\n Personalizojeni llogarin\u00eb tuaj duke kontribuar sipas d\u00ebshir\u00ebs ose t\u00eb udh\u00ebzuar nga k\u00ebshilltar\u00ebt e Fondit;<\/p>\n Kontributet ne fond jan\u00eb fleksib\u00ebl (mund t\u00eb ndryshohet shuma, t\u00eb nd\u00ebrpritet apo t\u00eb rifillohet kontributimi pa penalitete);<\/p>\n Larmishm\u00ebri planesh pensioni: individuale, profesionale, t\u00eb kombinuara;<\/p>\n Kontributet jan\u00eb t\u00eb zbritshme nga paga bruto p\u00ebr efekt llogaritje tatimi;<\/p>\n Mund t\u00eb p\u00ebrfitoni pensionin vullnetar 5 vjet para mosh\u00ebs zyrtare t\u00eb daljes n\u00eb pension;<\/p>\n Investimet n\u00eb fond jan\u00eb t\u00eb p\u00ebrjashtuara nga tatimi mbi interesin dhe t\u00eb ardhurat nga kapitali;<\/p>\n N\u00eb rast t\u00eb humbjes s\u00eb jet\u00ebs fondi i pensionit \u00ebsht\u00eb i trash\u00ebguesh\u00ebm (n\u00eb ndryshim nga skema shtet\u00ebrore t\u00eb cil\u00ebn nuk e p\u00ebrfiton njeri);<\/p>\n Mund\u00ebsi kthimi t\u00eb investimit t\u00eb akumuluar n\u00eb pagesa n\u00eb form\u00eb pensioni duke fituar s\u00ebrish interes dhe fleksibilitet t\u00eb lart\u00eb n\u00eb m\u00ebnyrat e t\u00ebrheqjes s\u00eb shum\u00ebs s\u00eb akumuluar p\u00ebr pension;<\/p>\n Transparenc\u00eb e plot\u00eb;<\/p>\n An\u00ebtar\u00ebt pajisen me nj\u00eb \u201cusername\u201d dhe \u201cpassword\u201d t\u00eb cilat mund ti p\u00ebrdorin n\u00eb \u00e7do moment p\u00ebr t\u00eb kontrolluar llogarin\u00eb e tyre personale online. N\u00eb k\u00ebt\u00eb llogari paraqiten t\u00eb gjitha kontributet e kryera, norma e kthimit t\u00eb fondit dhe informacione t\u00eb tjera;<\/p>\n Aktualisht skema shtet\u00ebrore (e vetmja q\u00eb siguron nj\u00eb pension) z\u00ebvend\u00ebson mesatarisht vet\u00ebm 35% t\u00eb t\u00eb ardhurave tuaja n\u00eb form\u00eb pensioni (do keni nj\u00eb pension sa 35% e pag\u00ebs suaj mesatare). Nd\u00ebrkoh\u00eb q\u00eb kjo shkall\u00eb z\u00ebvend\u00ebsimi duhet t\u00eb jet\u00eb jo m\u00eb pak se 75%.<\/p>\n P\u00ebrfitimet p\u00ebr Biznesin<\/strong><\/p>\n Pjes\u00eb e politikave t\u00eb burimeve njer\u00ebzore, duke e diferencuar biznesin nga bizneset e tjera konkurrente;<\/p>\n Kontributet e b\u00ebra nga pun\u00ebdh\u00ebn\u00ebsi n\u00eb interes t\u00eb pun\u00ebmarr\u00ebsve t\u00eb tij, vler\u00ebsohen si shpenzim operativ deri n\u00eb shum\u00ebn vjetore p\u00ebr \u00e7do pun\u00ebmarr\u00ebs, t\u00eb barabart\u00eb me 250,000 lek\u00eb dhe kjo shum\u00eb vler\u00ebsohet si shpenzim i zbritsh\u00ebm, p\u00ebr q\u00ebllime t\u00eb tatimit mbi fitimin t\u00eb pun\u00ebdh\u00ebn\u00ebsit;<\/p>\n Pun\u00ebdh\u00ebn\u00ebsi p\u00ebrcakton n\u00eb kontrat\u00eb \u201cperiudh\u00eb kusht\u00ebzimi\u201d, periudh\u00eb p\u00ebr t\u00eb cil\u00ebn punonj\u00ebsi duhet t\u00eb punoj\u00eb n\u00eb kompani n\u00eb m\u00ebnyr\u00eb q\u00eb t\u00eb mund t\u00eb p\u00ebrfitoj\u00eb k\u00ebt\u00eb benefit t\u00eb pun\u00ebdh\u00ebn\u00ebsit.<\/p>\n Ulje e largimit t\u00eb punonj\u00ebsve;<\/p>\n Punonj\u00ebs m\u00eb t\u00eb motivuar dhe produktiv\u00eb.<\/p>\n Sot, pensionet private jan\u00eb nj\u00eb skem\u00eb sociale q\u00eb operojn\u00eb n\u00eb Shqip\u00ebri prej 17 vitesh dhe p\u00ebrfaq\u00ebsohen nga kompanit\u00eb m\u00eb n\u00eb z\u00eb dhe t\u00eb suksesshme t\u00eb vendit, me synimin e vet\u00ebm: nj\u00eb pension shtes\u00eb p\u00ebr \u00e7do qytetar n\u00eb momentin q\u00eb ndalon s\u00eb punuari.<\/p>\n Vlera e aseteve neto t\u00eb fondeve t\u00eb pensionit n\u00eb fund t\u00eb muajit mars arriti n\u00eb 5.97 miliard\u00eb lek\u00eb, n\u00eb rritje me 4.7% q\u00eb nga fillimi i vitit dhe me 22.8% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar.<\/p>\n Por p\u00ebr nga vlera e aseteve, tregu i fondeve private ngelet ende segmenti m\u00eb i vog\u00ebl i tregut financiar n\u00eb Shqip\u00ebri.<\/p>\n Deri n\u00eb fund t\u00eb 3-mujorit t\u00eb par\u00eb 2023, n\u00eb treg ishin aktive pes\u00eb fonde pensionesh private, me SIGAL UNIQA Fond Pensioni q\u00eb vijon lidere n\u00eb treg sa i p\u00ebrket aseteve neto, 43.43% t\u00eb totalit.<\/p>\n Numri i individ\u00ebve pjes\u00ebmarr\u00ebs n\u00eb fondet private t\u00eb pensioneve po rritet me ritme t\u00eb q\u00ebndrueshme, por mbi nj\u00eb baz\u00eb t\u00eb ul\u00ebt nd\u00ebrsa dep\u00ebrtimi i k\u00ebtyre skemave ngelet ende shum\u00eb i ul\u00ebt.<\/p>\n Vet\u00ebm 2.7% e numrit t\u00eb p\u00ebrgjithsh\u00ebm t\u00eb t\u00eb pun\u00ebsuarve n\u00eb vend po kontribuojn\u00eb p\u00ebr nj\u00eb pension privat, shif\u00ebr q\u00eb tregon nj\u00eb nivel ende shum\u00eb t\u00eb ul\u00ebt.<\/p>\n","protected":false},"excerpt":{"rendered":" Vendi yn\u00eb po plaket me shpejt\u00ebsi. N\u00ebse tet\u00eb vite m\u00eb par\u00eb nj\u00eb n\u00eb \u00e7do tet\u00eb shqiptar\u00eb n\u00eb Shqip\u00ebri ishte mbi 65 vje\u00e7, tani jemi nj\u00eb n\u00eb \u00e7do pes\u00eb qytetar\u00eb! \u00c7do vit skem\u00ebs s\u00eb pensioneve shtet\u00ebrore i shtohen edhe 15-16 mij\u00eb pensionist\u00eb. P\u00ebr trevje\u00e7arin 2023 -2025, skem\u00ebs shtet\u00ebrore t\u00eb pensioneve do t\u00eb shtohet edhe me rreth …<\/p>\n","protected":false},"author":4,"featured_media":49414,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[40],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts\/49412"}],"collection":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/comments?post=49412"}],"version-history":[{"count":0,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts\/49412\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/media\/49414"}],"wp:attachment":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/media?parent=49412"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/categories?post=49412"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/tags?post=49412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"https:\/\/foltore.al\/wp-content\/uploads\/2023\/06\/1-2-300x192.png\")
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