I-Swedish pension indlela esekelwe ezintathu pillar indlela
Reformed ekupheleni nineties, indlela babe ngathi ayixhasi namnye kancinci confusing ngomhla wokuqalaPhambi, isiswedish pension indlela waba ngokusekelwe a ezimbini pillar inkqubo: i-guaranteed pension kwaye ingxelo ingeniso enxulumene omnye. Ngowe- kuyo emnqamlezweni-iqela consensus, komhlaba impahla waye wavuma. Entsha yokusebenza ngoku ngokusekelwe a ezintathu pillar inkqubo: Ngethuba yakho isebenza ubomi. emihlanu ingeniso yakho angaya i-pension indlela. elinesithandathu ye-imirhumo iya kuba ngqo channelled ukuba ngoku abadla, ngexesha. zintlanu angaya yakho premium kwingxowa-mali. I-guaranteed pension inikezela ubuncinane pension kuba abantu kunye low pension entitlements okanye akukho mvuzo. Ukufumana kuya kufuneka ube wahlala Sweden kuba ubuncinane iminyaka emithathu, ngexesha ukuze ulungele kuba epheleleyo guaranteed pension, zona zifuna ubuncinane amane iminyaka engama-yokuhlala. Ingeniso olunxulumene pension uyalingana ukusuka yenu yonke earnings ngexesha lakho lifetime ukusuka neminyaka engama. Ungaqala befumana umvuzo olunxulumene pension ukusuka neminyaka engama, kodwa ngakumbi unikela, semfundo yakho pension uza kubakho. Loluntu i-inshorensi izibonelelo, ezifana abagulayo okanye uyishiye-ngqesho izibonelelo, ingaba counted njengoko imirhumo. Iminyaka abazinikeleyo ukuba ukukhulisa abantwana, military inkonzo kwaye uphando kanjalo ukunikela pension entitlements. Oku pension ngu enesikhombisi kwi-avareji aqhuba ukukhula. Ukuba ufuna kuphela kuba omnye okanye emibini ye pension entitlements kwi-Sweden uyakwazi unikezelo yakho pension amanqaku ukusuka komnye EU EEA eli lizwe okanye ukusuka amazwe kunye apho Sweden ubani sivumelwano. Ngexesha yakho isebenza ubomi zintlanu yakho imirhumo yiya kwi-premium ingxowa-mali yakho oyikhethileyo. Kukho malunga amakhulu amahlanu ezahlukeneyo imali kunye ezahlukeneyo ubuyisela. Ukuba ufuna musa khetha premium kwingxowa-mali, imali angaya i-Premium Savings-Mali ezingama-National isiswedish kwingxowa-Mali, olawulwa ngumthetho Wesixhenxe-Mali Ibhodi.
Apha omfutshane intshayelelo ukunceda wena ngaphandle
Watshata couples unako unikezelo zabo entitlements ngamnye enye. Ngenxa yoluntu pensions kuba ceil, abaninzi high-ingeniso earners kufumana ngaphantsi babenako, njengoko imirhumo bamele kanjalo capped. Ngoko ke, abantu abaninzi bathabatha ngaphandle a supplementary negosa umhlalaphantsi.
Kwezinye iinkampani aba ngabo nkqu ekuvunyelwene ngalo yi-collective agreement, kunye umqeshi ukufaka isandla.
emihlanu ngamnye ke earnings ngakulo zabo supplementary negosa umhlalaphantsi. Kucetyiswa ukuba ukungena enjalo scheme. ka-Swedish abasebenzi ziyabandakanywa noba iqela okanye oyedwa scheme. Xa ukungenela inkampani, buza yakho imanyano ukuba jikelele negosa pension scheme ikhona kwi inkampani yakho. Phambi, isiswedish pension indlela waba ngokusekelwe a ezimbini pillar inkqubo: i-guaranteed pension kwaye i-ingeniso enxulumene omnye. Ngowe- kuyo emnqamlezweni-iqela consensus, komhlaba impahla waye wavuma. Entsha yokusebenza ngoku ngokusekelwe a ezintathu pillar inkqubo: Ngethuba yakho isebenza ubomi. yakho ingeniso angaya i-pension indlela. elinesithandathu ye-imirhumo iya kuba ngqo channeled ukuba ngoku abadla, ngexesha. zintlanu angaya yakho premium kwingxowa-mali. I-guaranteed pension inikezela ubuncinane pension kuba abantu kunye low pension entitlements okanye akukho mvuzo. Ukufumana kuya kufuneka ube wahlala Sweden kuba ubuncinane iminyaka emithathu, ngexesha ukuze ulungele kuba epheleleyo guaranteed pension, ngaba kufuna ubuncinane amane iminyaka engama-yokuhlala. Ihlawulwa kwi neminyaka engama Ingeniso olunxulumene pension uyalingana ukusuka yenu yonke earnings ngexesha lakho lifetime ukusuka neminyaka engama. Ungaqala befumana umvuzo olunxulumene pension ukusuka neminyaka engama, kodwa ngakumbi unikela, semfundo yakho pension uza kubakho. Loluntu i-inshorensi izibonelelo, ezifana abagulayo okanye uyishiye-ngqesho izibonelelo, ingaba counted njengoko imirhumo.
Iminyaka abazinikeleyo ukuba ukukhulisa abantwana, military inkonzo kwaye uphando kanjalo ukunikela pension entitlements.
Oku pension ngu enesikhombisi kwi-avareji aqhuba ukukhula. Ukuba ufuna kuphela kuba omnye okanye emibini ye pension entitlements kwi-Sweden uyakwazi unikezelo yakho pension amanqaku ukusuka komnye EU EEA eli lizwe okanye ukusuka amazwe kunye apho Sweden ubani sivumelwano. Ngexesha yakho isebenza ubomi yakho imirhumo yiya kwi-premium ingxowa-mali yakho oyikhethileyo. Kukho malunga amakhulu amahlanu ezahlukeneyo imali kunye ezahlukeneyo ubuyisela. Ukuba ufuna musa khetha premium kwingxowa-mali, imali angaya i-Premium Savings ingxowa-Mali ngaphakathi Wesizwe isiswedish kwingxowa-Mali, olawulwa ngumthetho Wesixhenxe-Mali Ibhodi. Watshata couples unako unikezelo zabo entitlements ngamnye enye. Ngenxa yoluntu pensions kuba ceil, abaninzi high-ingeniso earners kufumana ngaphantsi babenako, njengoko imirhumo bamele kanjalo capped. Ngoko ke, abantu abaninzi bathabatha ngaphandle a supplementary negosa umhlalaphantsi. Kwezinye iinkampani aba ngabo nkqu ekuvunyelwene ngalo yi-collective agreement, kunye umqeshi iyanikela. ngamnye umntu ke earnings ngakulo zabo supplementary negosa umhlalaphantsi. Kucetyiswa ukuba ukungena enjalo scheme. ka-Swedish abasebenzi ziyabandakanywa noba iqela okanye oyedwa scheme.
Xa ukungenela inkampani, buza yakho imanyano ukuba jikelele negosa pension scheme ikhona kwi inkampani yakho.
