Kushanda mubhadharo

Hazvisi zvisingashamisi kuti nhasi munyika yedu kune vakawanda vanoshanda mubhadharo. Zvinosuruvarisa, ukuru hwepensheni haisi nguva dzose kugona zvese zvinodiwa nemunhu. Nokudaro, vazhinji vanoenda kumusha vanoedza kugara panzvimbo yavo yekare yebasa, zvichida nokuda kwebasa renguva yakazara kana vari kutsvaga basa idzva.

Kushanda mubhadharo ndevagari vanogamuchira mubairo nezera, asi panguva imwechete vane basa uye vanogamuchira mubairo. Panguva imwe chete ivo vane kodzero dzezvimwe zvikwereti zvekushanda mubhadharo, uye kunewo murairo chaiwo wevashandi vezvemari, iyo inotara kuwanda kwemari yepensheni nemubairo. Ngatitarisei kana vashandi vanogona kushanda maererano nemutemo wezvino, kuti sei uye kupi kunoshanda kune mubairo wepensheni, kuitira kuti vawedzere mari yavo kunze kwekurega basa.

Kodzero dzevashandi vemari

Kodzero dzevashandi vekubhadhara mari vanoona kana zvichikwanisika kushanda kune vashandi, uyewo pamamiriro ezvinhu chii kubhadhara mari yepensheni nemubairo.

1. Kubudirira munhu wekusununguka kwemakore hakurevi kuti anenge aregererwa kubva pabasa. Kuparadzanisa kubhadhara mari yekubhadhara kunokwanisika chete pane zvikonzero zvakawanda maererano neChe Code Code.
2. Kubhadhara kwepensions kumashandiro ekubhadhara mari yakaitwa pasina mari.
3. Munhu anenge asvika kumakore ekurega basa anogona kubvisa basa kubva pamusana pokurasikirwa.
4. Mumwe mupfedzi anogona kuwana basa pasina mimwe mitemo, basa rinotsanangurwa nekambani yebasa.
5. Mumwe wepenseriti anogonawo kushanda chikamu-nguva.
6. Siya kushanda mubhadharo inopiwa gore negore uye inobhadharwa.
7. Vanorwara vanoshandira mubhadharo vanobhadharwa pamashoko akawanda, pasina zvibvumirano.

Recalculation pensions uye zvinobatsira

Pakati pezvipo zvakapiwa kune chikwata chevagari vemo, kunewozve mamwe mapeji ekushanda nevashandi. Kuti uwane mari iyi, pamwe chete nemari yakakwana yekubhadhara, zvinodiwa kuziva kuti penhesi inorondedzerwa sei kushanda mubhadhari. Kudzokorora kwepensions kunowanikwa nguva imwe neimwe apo hutsva hutsva huchigadziriswa hunotangwa, kutanga kubva musi wekubvumirwa kwayo. Imari yepensheni inodzokororwa maererano nemari yemari. Zvibvumirano uye zvikwereti zvepakati penhepfenyuro zvinotorerwa kana muchengeti wepenjeni achishandiswa. Kugadziriswa kwepenheni kumashandiro ekubhadhara mari inoshandiswa mushure mekudzingwa pamusana pehukuru hwehuwandu huri pasi.

Zvisizvo zvakakosha kutaura pamusoro penhepfheni yesayenzi. Vagari vanoshanda mumunda wezvedzidzo, avo vakawana makore ekurega basa uye vanoramba vachishanda, vanobhadhara mari inoshandiswa yezvesayenzi. Kazhinji kuwanda kwepenjeni yakadaro inenge 80% yemari iyo muongorori akagamuchira vasati vasiya mari. Kunewozve mari yekuwedzera kumapenjeni kwehurefu hwebasa rezvesayenzi, nokuda kwechiremba uye musoro, nezvimwewo.

Kubatsirwa kwekushanda mubhadharo vane maitiro avo. Chaizvoizvo, izvi zvikomborero zvinowanikwa kune mapoka ose evashandi avo vakawana makore ekurega basa. Kubatsirwa kwevahedheni vanogona kusimbiswa kwete chete pamunyika, asiwo pahutano hwehurumende.

1. Vashandi vanobhadhara kubhadhara mitero pasi, zvivako kana nzvimbo.
2. Vateresi vane kodzero yekusununguka kufamba pavatungamiri vevanhu.
3. Kushanda mubhadharo vane kodzero yekuwedzerwa kwezororo pasina kubhadhara kwemasvondo gumi nemashanu kubva pagore.
4. Vashandi vekodzero vane kodzero yekushandira kune makiriniki aya kunze kwekuti vakanyoreswa panguva yebasa.
5. Kubatsirwa mukugadzwa kwe spa spa.
6. Kunyanya kushanda munharaunda dzezvehutano, pazvipatara.