Mutemo wepensheni muNetherlands wave nzvimbo yayo yepamutemo. Inosanganisira mitemo yese yepenjeni uye mirau inopa kutsiva mari yevashandi mushure mekurega basa. Enzaniso dzinosanganisira mutemo chaiwo wakadai sePension Act, iyo Inomanikidzwa Kutora chikamu muindasitiri Pension Fund 2000 Mutemo kana kuenzana kwekodzero dzePension muChiitiko cheDivorce Act. Mutemo uyu unonetseka, pakati pezvimwe zvinhu, mamiriro anofanirwa kuzadzikiswa kuti akwanise kuwana mudyandigere, mitemo ine chekuita nekutungamira nekubhadharwa kwekodzero dzevanopa mudyandigere uye matanho ekudzivirira kutyorwa kwepenjeni.

UNODA RUBATSIRO NEMUTEMO PENSION?
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Mutemo wePension

Mutemo wepensheni muNetherlands wave nzvimbo yayo yepamutemo. Inosanganisira mitemo yese yepenjeni uye mirau inopa kutsiva mari yevashandi mushure mekurega basa. Enzaniso dzinosanganisira mutemo chaiwo wakadai sePension Act, iyo Inomanikidzwa Kutora chikamu muindasitiri Pension Fund 2000 Mutemo kana kuenzana kwekodzero dzePension muChiitiko cheDivorce Act. Mutemo uyu unonetseka, pakati pezvimwe zvinhu, mamiriro anofanirwa kuzadzikiswa kuti akwanise kuwana mudyandigere, mitemo ine chekuita nekutungamira nekubhadharwa kwekodzero dzevanopa mudyandigere uye matanho ekudzivirira kutyorwa kwepenjeni.

Kurumidza Menu

Kunyangwe paine mutemo wekuti mudyandigere inzvimbo yayo yepamutemo, ine zvakare nzvimbo dzakawanda dzekudyidzana nedzimwe nzvimbo dzemutemo. Ndokusaka, muchirevo chemutemo wepenjeni, mukuwedzera kune yakatarwa mitemo nemirau, yakajairwa mitemo nezviga mumunda wemutemo webasa, semuenzaniso, zvinoshandawo. Semuenzaniso, mudyandigere chinhu chakakosha mashandiro evashandi vazhinji, chinoiswa pasi nekukurukurwa muchibvumirano chebasa. Aya mamiriro pamwe anogadza mari mukukwegura. Pamusoro pemutemo webasa, nzvimbo dzinotevera dzemutemo dzinogona zvakare kutariswa:

• Mutemo wezvikwereti;
• Mutemo wechibvumirano;
• Mutemo wemitero;
• Inishuwarenzi mutemo;
• Kuenzana kwekodzero dzemudyandigere kana vanhu varambana.

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Mitemo nemirau yakasiyana inosangana mumutemo wepenjeni uye inopindirana pasi pemamwe mamiriro ezvinhu inoita mutemo wepenjeni nzvimbo yakaoma uye yakazara yepamutemo. Zvakare, mutemo wepenjeni haumire uye unogara uchisangana neshanduko pamatanho emunyika uye epasi rose, pamwe nekutungamirwa kwevatongi vanobatana seDe Nederlandsche Bank (DNB) neNetherlands Authority yeMari yeMisika (AFM). Izvi zvinoreva kuti kugadzirisa nyaya mundima yemutemo wepenjeni hakudi kungonzwisisa chete, asiwo ruzivo rwechizvino-zvino rwebasa uye nekudaro zvine hungwaru kuita gweta kana ukasangana nemutemo wepenjeni. Law & MoreMagweta haasati achingova-epamusoro-soro mundima yemutemo wepenjeni, asi zvakare zvine chekuita nedzimwe nzvimbo dzemutemo dzataurwa. Une mibvunzo here pamusoro pemutemo wepensheni? Law & More anofara kukubatsira. Iwe unogona zvakare kuwana rumwe ruzivo nezve mamwe masimba pawebhusaiti yedu.

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Iyo yekurega basa kupihwa maererano neshongwe system

Iyo yekurega basa inopa iyo yekutsiva mari yevashandi mushure mekurega basa inonziwo pension. MuNetherlands, hurongwa hwekurega basa, kana hurongwa hwepenjeni, hune mbiru nhatu:

Basic mudyandigere. Pension pension inonziwo OW-kupa. Wese munhu muNetherlands ane kodzero yekupihwa kwakadai. Nekudaro, kune akati wandei mamiriro akasungirirwa pane izvi. Mamiriro ekutanga ekugamuchira iyo AOW-kupihwa ndeyekuti rimwe zera, kureva makore makumi matanhatu nenomwe, rinofanira kunge rakasvikwa Iyo imwe mamiriro ndeyekuti munhu anofanirwa kugara achishanda kana kugara muNetherlands. Kwegore rega rega iro munhu anogara muNetherlands kubva pagumi nemashanu kusvika pamakore makumi matanhatu nemanomwe, 67% yeiyo yepamusoro AOW-kupihwa kunowanikwa. Nhoroondo yebasa haina kudikanwa mune ino kesi.

Kodzero dzemudyandigere. Iyi mbiru ine chekuita nekodzero dzakawanikwa nemunhu panguva yehupenyu hwake hwekushanda uye inoshanda seyekuwedzera mudyandigere kumudyandigere wakakosha. Kunyanya zvakanyanya, izvi zvinowedzera zvine chekuita nemari yakadzoserwa iyo inobhadharwa pamwe chete nemushandirwi nemushandi muchimiro cheprimiyamu. Yekuwedzera pension saka inogara ichivakwa mukati mehukama hwevashandi nevashandirwi, kuitira kuti mune ino nhoroondo nhoroondo yebasa inodiwa. MuNetherlands, zvakadaro, hapana mutemo wepamutemo wekuti mushandirwi avakire (yekuwedzera) mudyandigere kune vashandi vavo. Izvi zvinoreva kuti zvibvumirano zvinofanirwa kuitwa pakati pemushandi nemushandirwi mune izvi. Law & More Chokwadi uchafara kukubatsira neizvi.

Voluntary Pension. Iyi mbiru inoreva kunyanya kune zvese zviwanikwa zvemari zvakagadzirwa nevanhu vasati vakwegura. Mienzaniso inosanganisira annuities, inishuwarenzi yehupenyu uye mari kubva kuquity. Anonyanya ndivo vanozvishandira uye vezvemabhizimusi vanofanirwa kuvimba nembiru iyi yepenjeni yavo.

Kumanikidzwa Kutora chikamu muindasitiri Pension Fund Mutemo 2000

Kunyangwe paine chokwadi chekuti vashandirwi muNetherlands havasungirwe kuronga (yekuwedzera) mudyandigere wevashandi vavo, mune mamwe mamiriro ezvinhu vangangosungirwa kuronga mudyandigere. Izvi ndizvo zvazviri, semuenzaniso, kana kutora chikamu muchirongwa chepenjeni kunomanikidzwa kune waunoshandira kuburikidza neindasitiri-yakazara pension fund. Ichi chisungo chinomuka kana icho chinonzi chinodikanwa chinosungirwa chinoshanda kune yakatarwa chikamu: tsananguro inogamuchirwa negurukota rebazi uko kunomanikidzwa kutora chikamu muhomwe-yepension pension fund inoshanda. Iko Kumanikidzwa Kutora chikamu muindasitiri Pension Fund Mutemo 2000 inodzora mukana weinomanikidzwa pension scheme kune vese vashandi mune imwe indasitiri kana chikamu.

Kana kutora chikamu mune indasitiri-yakafara pension pundisi iri yekumanikidza, vashandirwi vanoshanda mune inoenderana chikamu vanofanirwa kunyoresa neiyo indasitiri-yakazara pension fund. Shure kwaizvozvo, homwe yacho inokumbira ruzivo nezvevashandi kuti vapihwe uye vashandirwi vanogamuchira bhiri remari yepenjeni yavanofanira kubhadhara. Kana vashandirwi vasina kubatana neiyi indasitiri-yakafara pensheni homwe, kunyangwe paine chisungo chekudaro, ivo vanenge vari munzvimbo isina kunaka. Mushure mezvose, mune iyo kesi pane mukana wekuti indasitiri-yakafara pension icharamba ichitora iyo izere mari yekubhadharira yemakore ese zvichidzoka. At Law & More isu tinonzwisisa kuti izvi zvine mhedzisiro yakaoma kune vashandirwi. Ndokusaka Law & MoreNyanzvi dzakagadzirira kukubatsira kuti udzivise mukana wakadai.

Mutemo wepensheniPension Mutemo

Musimboti wemutemo wepenjeni ndiwo Pension Mutemo. Mutemo wePensheni unosanganisira mitemo inoti:

• Kurambidza kuchinjaniswa kwekodzero dzemudyandigere
• Kupa kodzero maererano nekukosha kwekukosha kana zviitiko zvevateedzani vevashandirwi;
• Ronga kutora chikamu kwevashandi maererano nemutemo weanopa mudyandigere;
• Inoda hunyanzvi hushoma maererano nehunyanzvi hwenhengo dzemabhodhi evanopa pension;
• Kudzora nzira inofanirwa kupihwa mari yemudyandigere;
• Ipa hushoma ruzivo rwezvisungo zvemupi wepenjeni.

Mumwe wemimwe mirawo yakakosha muPensions Act ine chekuita nemamiriro ezvinhu anoti, kana akagumiswa, chibvumirano chepenjeni pakati pemushandirwi nemushandi chinofanira kusangana. Muchirevo ichi, Chinyorwa 23 cheMutemo wePensheni chinoti chibvumirano chepensheni chinofanirwa kuiswa muhomwe yemudyandigere inozivikanwa kana inishuwarenzi inozivikanwa. Kana mushandirwi asingaite izvi, kana kunyangwe zvisina kukwana, anomhanyisa njodzi yemutoro wevashandirwi, iyo inogona kutangwa nemushandi kuburikidza nemitemo yakajairika yemutemo wechibvumirano. Uye zvakare, kutevedzera mutemo nemirau mune zvakatarwa nemutemo wepenjeni, sezvatotaurwa, kunoongororwa neDNB neAfM, kuitira kuti kutyora kwacho kubvumidzwe nedzimwe nzira.

At Law & More isu tinonzwisisa kuti kana zvasvika pamutemo wepensheni, kwete chete mitemo yakaoma yakaoma nemirau, asiwo zvido zvakasiyana uye hukama hwakaomarara hwepamutemo hunobatanidzwa. Ndokusaka Law & More inoshandisa nzira yemunhu. Nyanzvi yedu nyanzvi mumunda wepension mutemo vanozvinyudza mune yako kesi uye vanogona kuongorora mamiriro ako uye mukana pamwe newe. Kubva pane ongororo iyi, Law & More inogona kukuraira iwe padanho rinotevera rinotevera. Zvakare, nyanzvi dzedu dzinofara kukupa iwe kuraira uye rubatsiro panguva ingangoitika yepamutemo maitiro. Iwe une mibvunzo here nezve masevhisi edu kana mutemo wepenjeni? Wobva wabata Law & More.

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Wobva watibata nefoni +31 40 369 06 80 kana titumire e-mail:

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