A keni menduar ndonj\u00ebher\u00eb se, nd\u00ebrsa i lexoni k\u00ebto fjal\u00eb, vlera reale e kursimeve tuaja po ndryshon? N\u00eb Shtetet e Bashkuara dhe Evrop\u00eb, po p\u00ebrjetojm\u00eb nj\u00eb paradoks ekonomik t\u00eb papar\u00eb. Nga nj\u00ebra an\u00eb, pagat duken t\u00eb ndenjura; nga ana tjet\u00ebr, inflacioni gllab\u00ebron n\u00eb heshtje fuqin\u00eb bler\u00ebse.<\/p>\n\n\n\n
N\u00ebse mb\u00ebshteteni vet\u00ebm n\u00eb sigurimet shoq\u00ebrore publike \u2014 qoft\u00eb ky Sigurimet Shoq\u00ebrore<\/strong> amerikane ose sistemet e Fondet e Pensioneve<\/strong> Evropian\u00eb \u2014 mund t\u00eb jeni duke r\u00ebn\u00eb n\u00eb nj\u00eb kurth financiar. Pyetja nuk \u00ebsht\u00eb m\u00eb "kur" do t\u00eb dilni n\u00eb pension, por "me sa" do t\u00eb jeni n\u00eb gjendje t\u00eb jetoni.<\/p>\n\n\n\n Shumica e njer\u00ebzve e planifikojn\u00eb daljen n\u00eb pension bazuar n\u00eb koston e jetes\u00ebs. sot<\/em>. Megjithat\u00eb, bota n\u00eb vitin 2040 ose 2050 do t\u00eb jet\u00eb shum\u00eb m\u00eb e shtrenjt\u00eb. N\u00eb Bashkimin Evropian, plakja e popullsis\u00eb po ushtron presion t\u00eb paq\u00ebndruesh\u00ebm mbi shtetet e mir\u00ebqenies. N\u00eb Gjermani dhe Itali, p\u00ebr shembull, raporti midis pun\u00ebtor\u00ebve aktiv\u00eb dhe pensionist\u00ebve po arrin nj\u00eb pik\u00eb kulmore.<\/p>\n\n\n\n N\u00eb SHBA, perspektiva nuk \u00ebsht\u00eb m\u00eb optimiste. Me rritjen e kostove t\u00eb kujdesit sh\u00ebndet\u00ebsor, nj\u00eb \u00e7ift mesatar mund t\u00eb ket\u00eb nevoj\u00eb p\u00ebr m\u00eb shum\u00eb se $300.000<\/strong> P\u00ebr shpenzime mjek\u00ebsore vet\u00ebm pas mosh\u00ebs 65 vje\u00e7. N\u00ebse nuk keni nj\u00eb num\u00ebr t\u00eb sakt\u00eb n\u00eb let\u00ebr, nuk keni nj\u00eb plan; keni nj\u00eb d\u00ebshir\u00eb.<\/p>\n\n\n\n Ekziston nj\u00eb koncept n\u00eb planifikimin financiar i quajtur "Rregulli 4%". Ai sugjeron q\u00eb ju mund t\u00eb t\u00ebrhiqni 4% nga kursimet tuaja totale n\u00eb vitin e par\u00eb t\u00eb daljes n\u00eb pension dhe ta p\u00ebrshtatni at\u00eb shum\u00eb p\u00ebr inflacionin n\u00eb vitet pasuese pa mbetur pa para p\u00ebr 30 vjet.<\/p>\n\n\n\n Por a vlen ende ky rregull p\u00ebr paq\u00ebndrueshm\u00ebrin\u00eb aktuale?<\/p>\n\n\n\n Pa nj\u00eb simulim t\u00eb sakt\u00eb, rrezikoni t\u00eb kurseni shum\u00eb dhe t\u00eb sakrifikoni t\u00eb tashmen tuaj, ose m\u00eb keq, t\u00eb kurseni shum\u00eb pak dhe t\u00eb detyroheni t\u00eb ktheheni n\u00eb tregun e pun\u00ebs n\u00eb mosh\u00ebn 70 vje\u00e7.<\/p>\n\n\n\n Shum\u00eb njer\u00ebz besojn\u00eb se do t\u00eb shpenzojn\u00eb m\u00eb pak n\u00eb pension. "Nuk do t\u00eb kem shpenzime p\u00ebr udh\u00ebtimin," thon\u00eb ata. Realiteti? Koha e lir\u00eb \u00ebsht\u00eb e shtrenjt\u00eb. Udh\u00ebtimet, hobi dhe ruajtja e nj\u00eb standardi t\u00eb rehatsh\u00ebm jetese k\u00ebrkojn\u00eb nj\u00eb fluks parash q\u00eb shumica e fondeve themelore t\u00eb pensioneve nuk e mbulojn\u00eb.<\/p>\n\n\n\n P\u00ebr m\u00eb tep\u00ebr, inflacioni n\u00eb Eurozon\u00eb dhe SHBA ka rezultuar m\u00eb i q\u00ebndruesh\u00ebm se sa pritej. N\u00ebse inflacioni mesatar \u00ebsht\u00eb 3% n\u00eb vit, pas 24 vitesh parat\u00eb tuaja do t\u00eb vlejn\u00eb vet\u00ebm gjysm\u00ebn e tyre. Kjo do t\u00eb thot\u00eb q\u00eb n\u00ebse mendoni se duhet t\u00eb... \u20ac3.000<\/strong> n\u00eb muaj sot, do t'ju duhet \u20ac6.000<\/strong> n\u00eb t\u00eb ardhmen vet\u00ebm p\u00ebr t\u00eb ruajtur i nj\u00ebjt\u00eb<\/em> stil jetese.<\/p>\n\n\n\n N\u00eb t\u00eb kaluar\u00ebn, p\u00ebr t\u00eb ditur t\u00eb ardhmen tuaj financiare, duhej t\u00eb pun\u00ebsonit nj\u00eb konsulent t\u00eb shtrenjt\u00eb ose t\u00eb ishit nj\u00eb mjesht\u00ebr i spreadsheet-eve. Sot, demokratizimi i t\u00eb dh\u00ebnave ju lejon t\u00eb merrni kontrollin e liris\u00eb suaj.<\/p>\n\n\n\n Nj\u00eb Simulator i Daljes n\u00eb Pension<\/strong> Nuk \u00ebsht\u00eb vet\u00ebm nj\u00eb mjet llogaritjeje; \u00ebsht\u00eb nj\u00eb pasqyr\u00eb e s\u00eb ardhmes. Ju lejon t\u00eb rregulloni variablat q\u00eb jan\u00eb n\u00ebn kontrollin tuaj:<\/p>\n\n\n\n Duke testuar skenar\u00eb t\u00eb ndrysh\u00ebm, zbuloni se rregullimet e vogla sot - si kursimi i $200 shtes\u00eb n\u00eb muaj - mund t\u00eb rezultojn\u00eb n\u00eb nj\u00eb ndryshim prej qindra mij\u00ebra dollar\u00ebsh ose eurosh m\u00eb von\u00eb, fal\u00eb fuqis\u00eb s\u00eb... interes i p\u00ebrb\u00ebr\u00eb<\/strong>.<\/p>\n\n\n\n Nj\u00eb trend n\u00eb rritje midis amerikan\u00ebve dhe evropian\u00ebve t\u00eb veriut \u00ebsht\u00eb "Gjeolokadimi Strategjik". N\u00ebse simulatori juaj tregon se financat tuaja jan\u00eb t\u00eb pamjaftueshme p\u00ebr n\u00eb Miami ose Berlin, ai gjithashtu mund t\u00eb zbuloj\u00eb se do t\u00eb jetonit si nj\u00eb mbret n\u00eb Portugali, Spanj\u00eb ose Amerik\u00ebn Latine.<\/p>\n\n\n\n T\u00eb dal\u00ebsh n\u00eb pension n\u00eb nj\u00eb vend me kosto m\u00eb t\u00eb ul\u00ebt jetese, nd\u00ebrkoh\u00eb q\u00eb merr pensionin ose t\u00eb ardhurat n\u00eb nj\u00eb monedh\u00eb t\u00eb fort\u00eb (dollar ose euro), \u00ebsht\u00eb nj\u00eb mjesht\u00ebr p\u00ebr ata q\u00eb p\u00ebrdorin simulues p\u00ebr t\u00eb planifikuar n\u00eb m\u00ebnyr\u00eb inteligjente. Por, q\u00eb kjo t\u00eb funksionoj\u00eb, duhet t\u00eb dish sakt\u00ebsisht se cila do t\u00eb jet\u00eb "paga" jote mujore e gjeneruar nga asetet e tua.<\/p>\n\n\n\n Koha \u00ebsht\u00eb aseti m\u00eb i rrall\u00eb n\u00eb ekonomin\u00eb e daljes n\u00eb pension. \u00c7do vit q\u00eb vonon fillimin e planifikimit serioz, "\u00e7mimi" i liris\u00eb sate rritet.<\/p>\n\n\n\n Imagjinoni dy investitor\u00eb:<\/p>\n\n\n\n \u00c7udit\u00ebrisht, p\u00ebr shkak t\u00eb interesit t\u00eb p\u00ebrb\u00ebr\u00eb, Investitori A shpesh p\u00ebrfundon me m\u00eb shum\u00eb para. Matematika nuk e fal shtyrjen e pun\u00ebve.<\/p>\n\n\n\n Frika nga dalja n\u00eb pension buron nga pasiguria. Qart\u00ebsia, nga ana tjet\u00ebr, sjell besim. Nuk ke nevoj\u00eb p\u00ebr fat; ke nevoj\u00eb p\u00ebr strategji.<\/p>\n\n\n\n Mos lejo q\u00eb qeveria ose fati t\u00eb vendosin se si do t\u00eb zhvillohen dekadat m\u00eb t\u00eb r\u00ebnd\u00ebsishme t\u00eb jet\u00ebs sate. P\u00ebrdor teknologjin\u00eb n\u00eb avantazhin t\u00ebnd. Krahaso skenar\u00ebt, vizualizo ndikimin e inflacionit dhe zbulo "Numrin t\u00ebnd t\u00eb Liris\u00eb" t\u00eb v\u00ebrtet\u00eb.<\/p>\n\n\n\n E ardhmja vjen p\u00ebr t\u00eb gjith\u00eb. Dallimi \u00ebsht\u00eb se disa do t\u00eb jen\u00eb t\u00eb gatsh\u00ebm ta shfryt\u00ebzojn\u00eb at\u00eb, nd\u00ebrsa t\u00eb tjer\u00ebt do t\u00eb p\u00ebrpiqen vet\u00ebm t'i mbijetojn\u00eb.<\/p>","protected":false},"excerpt":{"rendered":" A keni menduar ndonj\u00ebher\u00eb se, nd\u00ebrsa i lexoni k\u00ebto fjal\u00eb, vlera reale e kursimeve tuaja po ndryshon? N\u00eb Shtetet e Bashkuara dhe Evrop\u00eb, po p\u00ebrjetojm\u00eb nj\u00eb paradoks ekonomik pa\u2026 <\/p>","protected":false},"author":14,"featured_media":2712,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[380],"tags":[],"class_list":["post-2711","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beneficios","latest_post"],"yoast_head":"\nIluzioni i Madh: Gabimi q\u00eb b\u00ebjn\u00eb Shp\u00ebtimtar\u00ebt<\/h2>\n\n\n\n
\u201cNumri Magjik\u201d: Sa \u00ebsht\u00eb v\u00ebrtet i nevojsh\u00ebm?<\/h2>\n\n\n\n
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Inflacioni kundrejt stilit t\u00eb jetes\u00ebs: Beteja e heshtur<\/h2>\n\n\n\n
Roli i Teknologjis\u00eb n\u00eb t\u00eb Ardhmen Tuaj Financiare<\/h2>\n\n\n\n
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Faktori Gjeografik: Arbitrazhi i Stilit t\u00eb Jet\u00ebs<\/h2>\n\n\n\n
Pse duhet t\u00eb simuloni tani (dhe jo nes\u00ebr)<\/h2>\n\n\n\n
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P\u00ebrfundim: Hapi tjet\u00ebr drejt liris\u00eb suaj<\/h2>\n\n\n\n