{"id":746386,"date":"2025-06-13T10:44:08","date_gmt":"2025-06-13T08:44:08","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=746386"},"modified":"2025-06-13T10:44:21","modified_gmt":"2025-06-13T08:44:21","slug":"pensionet-private-cdo-kontribuues-ka-mesatarisht-2900-euro-te-kursyera","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/06\/13\/pensionet-private-cdo-kontribuues-ka-mesatarisht-2900-euro-te-kursyera\/","title":{"rendered":"Pensionet private, \u00e7do kontribues ka mesatarisht 2900 euro t\u00eb kursyera","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Kursimet e shqiptar\u00ebve p\u00ebr nj\u00eb pension privat jan\u00eb n\u00eb nivele ende t\u00eb ul\u00ebta. Sipas t\u00eb dh\u00ebnave nga Autoriteti i Mbik\u00ebqyrjes Financiare, n\u00eb fund t\u00eb tremujorit t\u00eb par\u00eb t\u00eb vitit, \u00e7do kontribuues zot\u00ebronte mesatarisht 288 mij\u00eb lek\u00eb ose rreth 2940 euro asete neto n\u00eb llogarin\u00eb e fondit t\u00eb pensionit.<\/span><\/p>\n

Ky tregues \u00ebsht\u00eb rritur me af\u00ebrsisht 64% krahasuar me nj\u00eb vit m\u00eb par\u00eb, por megjithat\u00eb rritja e lart\u00eb vjetore i detyrohet n\u00eb nj\u00eb pjes\u00eb t\u00eb madhe p\u00ebrfshirjes s\u00eb statistikat e raportuara edhe t\u00eb aseteve t\u00eb fondeve me pjes\u00ebmarrje t\u00eb mbyllur.<\/span><\/p>\n

Shqip\u00ebria ka tashm\u00eb mbi 46 mij\u00eb individ\u00eb q\u00eb investojn\u00eb n\u00eb nj\u00eb pension privat. Kjo shif\u00ebr p\u00ebrb\u00ebn pak m\u00eb shum\u00eb se 6% t\u00eb numrit t\u00eb individ\u00ebve q\u00eb kontribuojn\u00eb n\u00eb skem\u00ebn shtet\u00ebrore t\u00eb pensioneve.<\/span><\/p>\n

Edhe p\u00ebr pjes\u00ebmarr\u00ebsit n\u00eb k\u00ebto skema, kontributet mesatare jan\u00eb ende n\u00eb vlera modeste, si\u00e7 d\u00ebshmohet nga treguesi i aseteve neto p\u00ebr an\u00ebtar.<\/span><\/p>\n

Me gjith\u00eb rritjen e ndjeshme t\u00eb pagave n\u00eb vitet e fundit, mund\u00ebsit\u00eb p\u00ebr t\u00eb kursyer n\u00eb sh\u00ebrbim t\u00eb pensionit jan\u00eb t\u00eb kufizuara. Sipas t\u00eb dh\u00ebnave m\u00eb t\u00eb fundit, paga mesatare n\u00eb Shqip\u00ebri \u00ebsht\u00eb af\u00ebrsisht 83 mij\u00eb lek\u00eb n\u00eb muaj.<\/span><\/p>\n

Nga ana tjet\u00ebr, individ\u00ebt kan\u00eb kursime t\u00eb konsiderueshme, t\u00eb mbajtura n\u00eb depozita bankare apo letra me vler\u00eb t\u00eb qeveris\u00eb. Shuma totale e investuar n\u00eb k\u00ebto produkte financiare n\u00eb fund t\u00eb tremujorit t\u00eb par\u00eb t\u00eb k\u00ebtij viti vler\u00ebsohet m\u00eb shum\u00eb se 15 miliard\u00eb euro.<\/span><\/p>\n

N\u00eb teori, nj\u00eb pjes\u00eb e k\u00ebtyre kursimeve mund t\u00eb sh\u00ebrbejn\u00eb si burim potencial p\u00ebr t\u00eb zgjeruar investimin n\u00eb fondet e pensioneve.<\/span><\/p>\n

Deri tani, an\u00ebtar\u00ebsimi n\u00eb skemat private \u00ebsht\u00eb mb\u00ebshtetur kryesisht p\u00ebrmes skemave t\u00eb ngritura prej kompanive, n\u00eb form\u00ebn e p\u00ebrfitimeve p\u00ebr punonj\u00ebsit. Vet\u00ebm n\u00eb vitet e fundit ka nj\u00eb rritje t\u00eb numrit t\u00eb an\u00ebtar\u00ebsimeve mbi baza individuale n\u00eb k\u00ebto skema, \u00e7ka d\u00ebshmon nj\u00eb far\u00eb rritje t\u00eb nd\u00ebrgjegj\u00ebsimit lidhur me nevoj\u00ebn p\u00ebr t\u00eb kompensuar r\u00ebnien e t\u00eb ardhurave n\u00eb momentin e nd\u00ebrprerjes s\u00eb marr\u00ebdh\u00ebnieve t\u00eb pun\u00ebs dhe daljes n\u00eb pension.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave m\u00eb t\u00eb fundit t\u00eb raportuara nga Instituti i Sigurimeve Shoq\u00ebrore, pensioni mesatar p\u00ebr nj\u00eb pensionist n\u00eb qytet n\u00eb vitin 2023 ishte pak m\u00eb shum\u00eb se 18 mij\u00eb lek\u00eb, nd\u00ebrsa n\u00eb fshat rreth 11 mij\u00eb lek\u00eb.<\/span><\/p>\n

Tendencat negative demografike, q\u00eb po karakterizohen nga nj\u00eb tkurrje dhe plakje e shpejt\u00eb e popullsis\u00eb, e b\u00ebjn\u00eb edhe m\u00eb t\u00eb pasigurt t\u00eb ardhmen e skem\u00ebs shtet\u00ebrore t\u00eb sigurimeve shoq\u00ebrore. P\u00ebr t\u00eb nxitur qytetar\u00ebt t\u00eb investojn\u00eb m\u00eb shum\u00eb p\u00ebr nj\u00eb pension privat shtes\u00eb n\u00eb t\u00eb ardhmen, ligji i ri \u201cP\u00ebr fondet e pensionit privat\u201d ka sjell\u00eb rritje t\u00eb ndjeshme t\u00eb incentivave fiskale p\u00ebr kontributet n\u00eb fondet private t\u00eb pensioneve.<\/span><\/p>\n

Kufiri maksimal mujor i p\u00ebrjashtimit tatimor \u00ebsht\u00eb rritur n\u00eb nivelin e pag\u00ebs minimale t\u00eb miratuar, q\u00eb aktualisht ka arritur n\u00eb 40 mij\u00eb lek\u00eb n\u00eb muaj. Me nivelin aktual t\u00eb pag\u00ebs minimale, shuma e kontributeve e p\u00ebrjashtuar nga tatimet do t\u00eb arrinte sot n\u00eb 480 mij\u00eb lek\u00eb n\u00eb vit ose 140% m\u00eb shum\u00eb krahasuar me pragun aktual prej 200 mij\u00eb lek\u00ebsh. Edhe kontributet e pensionet privat t\u00eb derdhura nga pun\u00ebdh\u00ebn\u00ebsi n\u00eb favor t\u00eb pun\u00ebmarr\u00ebsit do t\u00eb p\u00ebrjashtohen nga tatimi n\u00eb t\u00eb nj\u00ebjt\u00ebn mas\u00eb.<\/span><\/p>\n

Ligji gjithashtu parashikon q\u00eb pensionet t\u00eb mos tatohen n\u00eb p\u00ebrfitim p\u00ebr pjes\u00ebn e kontributeve, por vet\u00ebm p\u00ebr kthimin nga investimi, me kusht q\u00eb t\u00ebrheqja t\u00eb b\u00ebhet me pagesa mujore t\u00eb shtrira n\u00eb t\u00eb pakt\u00ebn dy vite dhe jo n\u00eb m\u00ebnyr\u00eb t\u00eb menj\u00ebhershme, pas p\u00ebrmbushjes s\u00eb kushteve ligjore p\u00ebr p\u00ebrfitimin e pensionit privat.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Kursimet e shqiptar\u00ebve p\u00ebr nj\u00eb pension privat jan\u00eb n\u00eb nivele ende t\u00eb ul\u00ebta. Sipas t\u00eb dh\u00ebnave nga Autoriteti i Mbik\u00ebqyrjes Financiare, n\u00eb fund t\u00eb tremujorit t\u00eb par\u00eb t\u00eb vitit, \u00e7do kontribuues zot\u00ebronte mesatarisht 288 mij\u00eb lek\u00eb ose rreth 2940 euro asete neto n\u00eb llogarin\u00eb e fondit t\u00eb pensionit. Ky tregues \u00ebsht\u00eb rritur me af\u00ebrsisht 64% […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":746387,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-746386","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/746386","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=746386"}],"version-history":[{"count":2,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/746386\/revisions"}],"predecessor-version":[{"id":746392,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/746386\/revisions\/746392"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/746387"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=746386"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=746386"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=746386"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}