Izvo izvo Wet toekomst pensionenen inochinja
Mutemo uyu hautsivi Pension Act (Pensions Act); unoigadzirisa, pamwe chete nemitemo yemitero iri padivi payo. Shanduko yaunoita inokosha: vimbiso yerubatsiro yakatsanangurwa muchikamu chechipiri inonyangarika. Kana chirongwa chaimbovimbisa mari, inoratidzwa sechikamu chemuhoro wegore rega rega rebasa, ikozvino chinovimbisa mupiro. Zvinozotengwa nemupiro iwoyo zvinoenderana nekudzoka kwemari uye pamitengo yemubereko panguva yekurega basa. Zvinobatsira kuchengetedza mbiru nhatu dzehurongwa hweDutch dzakasiyana. Mbiru yekutanga iAOW, pension yenyika inobhadharwa neSociale Verzekeringsbank kune wese munhu akavaka makore ekugara ane inishuwarenzi. Mbiru yechipiri ipension yebasa yakabvumiranwa pakati pemushandirwi nemushandi uye inotungamirirwa nepension fund kana insurer. Mbiru yechitatu ine zvigadzirwa zvega zvega zvakaita seannuity. Wet toekomst pensioenen inogadzirisa mbiru yechipiri chete. Inosiya AOW isina kubatwa, uye haimanikidze mushandirwi asingape pension zvachose kuti atange kupa imwe. Pfupiso yemitemo mitsva inoburitswa nehurumende pa Business.gov.nl.Mupiro wakatsetseka uye kuti ndiani angachengeta chiyero chekare
Munhu wese anopinda muchirongwa chitsva anowana chikamu chakafanana chemubhadharo wepension, zvisinei nezera rake. Izvi zvinogumisa makwiro emupiro ane chekuita nezera uye doorneesystematiek, ayo vatori vechikamu vechidiki vaibatsira vakwegura nekuti mari imwe chete iyoyo inodhura zvakanyanya kana pension yava pedyo. Pasi pemupiro wakagadzikana, mari inobhadharwa kumushandi wechidiki ine makumi emakore ekuwedzera, uye mari inobuda ipapo ndeye yake. Pane chimwe chinhu chakakosha chakasiyana. Mushandirwi ane chirongwa chaive kare chirongwa chemupiro chine chiyero chine chekuita nezera pamberi pa1 Chikunguru 2023 anogona kuchengetedza chiyero ichocho kuvashandi vaitove vachitora chikamu machiri. Vashandi vanobatana mushure mekunge chirongwa chachinja vanopinda muchikamu chakagadzikana. Kodzero iyi yekuchinja ndeyekusarudza uye yakavharwa: haigone kuwedzerwa kune vatsva. Kuchinja hakurevi kuti munhu wese ari muchikamu chechipiri chebasa ravo anorasikirwa nechikamu chepamusoro chemupiro chavakanga vava kuda kugamuchira, vasina kuwana mukana wenguva yakareba yekuwedzera. Saka Mutemo unoda kuti mapato akaisa chirongwa afunge nezvemuripo weboka iroro uye kunyora zvavanosarudza, uye nei, muchirongwa chekuchinja. Muripo unogona kutora muchimiro chemupiro wakakwira kwenguva pfupi, muripo muchirongwa, kana kugadziriswa kune dzimwe nzvimbo mumabasa.Kubatana kwakavakirwa kana kushanduka-shanduka: mhando mbiri dzezvibvumirano
Vashandirwi nevanoshanda navo munharaunda vanosarudza pakati pemhando mbiri dzezvibvumirano. Muchirongwa chekubatsira vanhu vane mari ye .... Muchirongwa chekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mari yekubatsira vanhu vane mariInvaren: kuendesa mari yepensheni yakawedzerwa muchirongwa chitsva
Invaren zvinoreva kushandura penjeni yatove yaunganidzwa pasi pechirongwa chekare kuita mari yepenjeni yemunhu pasi pechirongwa chitsva. Kune mari yepenjeni ndiyo nzira isingawanzoitwa pasi peMutemo, nekuti imwe nzira ndeyekushandisa masisitimu maviri pamwe chete kwemakumi emakore nemari yakawanda. Mushandirwi nevanobatsirana munharaunda vanokumbira mari kuti ipenjeni; mari yacho inozoongorora kana ichigona kuita izvi nenzira yakaenzana neboka rega rega revatori vechikamu nevachadya penjeni, uye inonyora maitiro ayo muchirongwa chayo chekushandisa. Vatori vechikamu havasi vasina izwi. Masangano evatori vechikamu, vaimbova vatori vechikamu nevachadya penjeni vane kodzero yekunzwa (hoorrecht): vanogona kupa maonero avo pamusoro pechirongwa chekuchinja, uye maonero iwayo anofanira kutariswa pane kuendeswa kudare. De Nederlandsche Bank inotarisira chirongwa chekushandisa uye inogona kuchengetedza shanduko yainoona seisina kuenzana. Munhu anotenda kuti shanduko iyi yakamukuvadza anogona kushandisa nzira yekunyunyuta kwemukati mefund uye, mushure meizvozvo, Geschilleninnstantie Pensioenfondsen (Pension Funds Disputes Body), iyo yave yakavhurirwa vatori vechikamu kubvira 1 Ndira 2024. Matare ehurumende achiripo. Kune zvirongwa zvakaiswa neinishuwarenzi, chinzvimbo chacho chakasiyana. Hapana shanduko yeboka revanhu vese; pokutangira ndechekuti kodzero dzakaunganidzwa dzinogara padziri kunze kwekunge munhu wacho abvuma kutamiswa kwemutengo. Vashandirwi vanofunga kuti bhuku ravo rekumashure reinishuwarenzi richangoerekana rapfuura vanowanzo kanganisa.Chii chinoitika kune penjeni yevanopona
Kana munhu afa zuva rekuenda pamudyandigere risati rasvika, penjeni yemupukunyuki inova penjeni inoenderana nenjodzi inosvika makumi mashanu muzana yemuhoro wepensheni, isingachavimbi nemakore akashanda mushandi. Izvi zvinovandudzika zvechokwadi kune vashandi vechidiki vane basa renguva pfupi, avo vaaimboshanda navo vaimbowana zvishoma. Zvinobvisawo kuvhiringidzika kwenguva refu, nekuti huwandu hwepenjeni hahuchasiyani pakati pezvirongwa nenzira dzisingaenzaniswi nemunhu. Penjeni inoenderana nenjodzi ine muganho wakapinza: haina kukosha kana yapera. Penjeni inomira kana basa rapera, uye Mutemo unopa nguva yekudzokera shure mushure mezvo, penjeni inoramba ichienderera mberi kwenguva yakareba chero bedzi mushandi wekare achiwana rubatsiro rwekushaya basa, uye kodzero yekuchengetedza penjeni nekuzvidira. Njodzi inoshanda inogara nevanhu vanochinja mabasa, vanozvishandira vega kana kutora zororo rebasa uye vasingaverengi tsamba inotsanangura izvi. Penjeni yenherera inorerutswawo, ine makore makumi maviri nemashanu ekupedzisira, saka nharo yekare yekuti mwana achiri kudzidza inonyangarika.Mari yose panguva yekurega basa haisati yavapo
Parizvino hapana kodzero yepamutemo yekutora chikamu chemudyandigere wekuDutch semari yako yekurega basa. Sarudzo iyi yakagadzirwa neWet bedrag ineens, RVU en verlofsparen, asi chikamu chemari yeMutemo iwoyo hachina kumbobvira chatanga kushanda. Wet herziening bedrag ineens, iyo inoichinja, ichiripo pamberi peEerste Kamer, uye hurumende yakachinja zuva raitarisirwa kutanga basa kuenda ku1 Ndira 2029. Kutanga kwakaitwa nekoninklijk besluit (chirevo cheumambo), saka zuva iroro chinangwa kwete chokwadi. Izvi zvakakosha kune vashandirwi nevanopa mabasa vari kunyora kutaurirana kwevashandi izvozvi. Kuudza vashandi kuti vachakwanisa kutora gumi muzana yemari kunonoka, uye magwaro echirongwa anofungidzira kuti kodzero iripo kare achafanirwa kugadziriswa. Kana uye kana sarudzo yacho yasvika, kuti inokwezva sei zvinoenderana nemutero wemari uye mhedzisiro yerubatsiro mugore rekubhadhara. Mubvunzo uyu wemupi wezano wemitero kwete wegweta, uye tinotaura zvakajeka kune vatengi vanobvunza.Zera rekurega basa, kurega basa nekukurumidza uye kurega basa zvishoma nezvishoma
Zera reAOW rinotarwa nemutemo uye rinofambirana nezera rekurarama, uye mutemo unoda kuti riziviswe makore mashanu pachine nguva, saka hapana munhu mukati memakore mashanu ekurega basa anogona kubatwa nekuchinja. Pensheni yebasa ine zuva rayo rekurega basa, iro risingafanirwe kuenderana nezuva reAOW. Mazhinji emapurogiramu anobvumira kuti pensheni iendeswe mberi kana kunonotswa ne actuarial adjustment, uye mazhinji anobvumira kuti itorerwe muchikamu uku mushandi achiramba achishanda chikamu chenguva. Pabasa rinoda simba, zvibvumirano zvevashandi zvinowanzoshandisa regeling voor vervroegd uittreden (chirongwa chekurega basa nekukurumidza), umo mushandirwi anobhadhara mari inosvitsa nguva yacho kuzuva repensheni. Kana chirongwa chakadaro chichikwanisika zvinoenderana nekusunungurwa kwenguva pfupi mumutemo wemitero, nemari inotarwa uye zuva rekupedzisira rakatarwa neparamende. Simbisa chinzvimbo chazvino nemupi wezano wemitero usati wazvipira kuchibvumirano chevashandi kana chibvumirano.Mazuva ekupedzisira, magwaro uye zvinofanirwa kuitwa nevashandirwi izvozvi
Zuva rekushanda kwacho i1 Ndira 2028. Chirongwa chega chega chinofanira kutevedzera mitemo mitsva panguva iyoyo. Kuwedzerwa kwezuva iroro kwakapihwa neMutemo wakasiyana wakagamuchirwa neEerste Kamer musi wa2 Zvita 2025, uyo wakachinjawo kuiswa kwemazuva ekuchinja kuita algemene maatregel van bestuur (order in council), saka nguva yacho inogona kugadziriswazve pasina maitiro akazara emutemo. Magwaro matatu ane shanduko. Transitieplan (transition plan) ibasa remushandirwi uye rinotsanangura chirongwa chitsva, zvikonzero zvekuchisarudza, mhedzisiro paboka rega rega uye muripo. Implementatieplan (implementation plan) ndeyemupi uye inoenda kuDe Nederlandsche Bank. Kutaurirana nevashandi ibasa repamutemo, uye ndiro rinowanzosiyiwa kusvika zvanonoka kuti rive rinobatsira. Macheki maviri anotanga. Tarisa kana kambani yako iri pasi pemari yepensheni inosungirwa muindasitiri yese (verplichtgesteld bedrijfstakpensioenfonds), nekuti kana ikadaro, nguva yefund ndiyo inotonga uye rusununguko rwako rwekusarudza rwakaganhurirwa. Wobva waona kuti ndiani anofanira kubvumirana. Chirongwa chepensheni inguva yebasa: kuchichinja kunoda chibvumirano, uye kana chirongwa chisina kuvharwa nechibvumirano chevanhu vose, kanzuru yemabasa ine mvumo pasi pechinyorwa 27 cheWet op de ondernemingsraden. Shanduko inopfuudzwa pasina mvumo iyoyo inoramba yakavhurika kuti ipikiswe kwenguva refu mushure mekunge zuva rekuchinja rapfuura.Kuchinja kwacho kwakaipa papi
Chikanganiso chinowanzoitika ndechekuona musi wa1 Ndira 2028 senguva yekutanga. Mari, mainshuwarenzi nevanoongorora zvemari vanoshanda mumitsetse, uye mushandirwi anotanga mugore rekupedzisira achawana nzvimbo dzakanaka dzatorwa uye nzvimbo yekutaurirana yapera. Chechipiri ndechekuona shanduko iyi sechiito chekutonga kwedhipatimendi remihoro pane kuchinja mitemo yebasa, ndipo panotanga matambudziko ekubvumirana nekubvunzana. Mushure meizvozvo maitiro acho anozivikanwa. Muripo weboka repakati unovimbiswa mumashoko akajairika asi haumboverengerwi. Mari yekupona inobvumirwa kupera kana mumwe munhu achinja mabasa. Mari yakawanda inovimbiswa iyo isipo. Vashandi vanoyambuka miganhu vanosiyiwa kunze kweongororo zvachose, kunyangwe kupihwa chigaro kana kutamira kunze kwenyika kunogona kuona kana chirongwa cheDutch chichienderera mberi zvachose. Chimwe nechimwe cheizvi chiri nyore kudzivirira pane kugadzirisa.Law and More inopa mazano kuvashandirwi, makambani emabasa, mari dzepensheni nevatori vechikamu vega vega nezvekutamira kune hurongwa hutsva, kubva pachirongwa chekuchinja uye maitiro ekambani yemabasa kusvika kumakakatanwa pamusoro pe invaren uye nezve coverage yevapukunyuki. Tinoshanda muchiDutch neChirungu uye tinotsanangura mamiriro epamutemo tisingazvigadzirise. Ona ongororo yedu ye mutemo wepenjeni uye vedu gwara remitemo yemabasa, kana udza mashoko Law & More kuti tikurukure nezvechirongwa chenyu.Mibvunzo inowanzobvunzwa
Ndezvipi zvinhu zvitatu zvakakosha zvehurongwa hwepensheni yeDutch?
Mutemo wepenjeni wekuDutch wakavakirwa pazvikamu zvitatu: penjeni yenyika (AOW), penjeni yebasa inopihwa nevashandirwi, uye hurongwa hwepenjeni yemunhu. Sisitimu iyi iri kuchinja kubva pakubatanidzwa chete kuenda kumaakaundi epenjeni emunhu mumwe nemumwe uku ichiri kugovera njodzi pamwe chete.
Kuvimba nezera remupiro wepenjeni kuri kuchinja sei pasi pemitemo mitsva?
Pasi pehurongwa hutsva, chikamu chimwe chete chemuhoro chinopinda mupenjeni yemushandi pasinei nezera rake, zvichitsiva nzira yekare apo vashandi vakwegura vaigamuchira mwero wemari yakawanda. Chinangwa ndechekubvisa rusarura rwezera mukuunganidzwa kwepenjeni uye kuita kuti hurongwa hwacho huve pachena kune wese munhu.
Ko makore ekurega basa ehurumende (AOW) achiri kukwira here?
Ehe, zera remudyandigere rehurumende riri kuramba richikwira zvichienderana nehupenyu hwemunhu, uye mitemo mitsva yemudyandigere inochinja mashandiro anoita zera iri nezvirongwa zvemudyandigere webasa uye inowedzera sarudzo dzekuti munhu apinde mudyandigere zvishoma nezvishoma.
Kugadziriswa kwepensheni kunokanganisa sei vashandi vane pensheni inoenderana nemigumisiro yekudyara mari?
Mabhenefiti evashandi anowedzera kutsamira pamigumisiro yekudyara pane mari yakatarwa, yakavimbiswa pamwe chete, izvo zvinogona kuwedzera purofiti inogona kuwanikwa asi zvakare zvinounza kusava nechokwadi. Vashandi vanokurudzirwa kunzwisisa nzira dzavo dzenjodzi kuitira kuti vagone kusarudza zvinoenderana nemamiriro avo ega.
Vanhu vanozvishandira muNetherlands vanofanira kufunga nezvei pasi pemitemo mitsva yepensheni?
Mitemo mitsva iyi inogona kuvhura mukana wekuti vanhu vanozvishandira vabatane nezvirongwa zvepenjeni, asi zvichiri kukosha kuti vaunganidze mari yakakwana yekurega basa vari vega kuburikidza nezviwanikwa zvepenjeni zviripo kana maakaundi ekudyara mari, sezvo pasina mupiro wevashandirwi wekuvimba nawo.
