Lamulo la penshoni ku Netherlands lakhala malo ake ovomerezeka. Zimaphatikizapo malamulo onse a penshoni omwe amapereka ndalama m'malo mwa ogwira ntchito atapuma pantchito. Zitsanzo zikuphatikiza malamulo achindunji monga Pensions Act, Compulsory Participation in Industry Pension Fund 2000 Act kapena Equalization of Pension Rights in the Event of Divorce Act. Lamuloli limakhudzanso, mwazinthu zina, zomwe ziyenera kukwaniritsidwa kuti munthu athe kulandira penshoni, malamulo okhudza kasamalidwe ndi kulipira ufulu wa penshoni ndi omwe amapereka penshoni komanso njira zoletsera kuphwanya penshoni.

MUKUFUNA Kuthandiza ndi Lamulo la penshoni?
Chonde Lumikizanani ndi aphungu athu a penshoni

Lamulo la penshoni

Lamulo la penshoni ku Netherlands lakhala malo ake ovomerezeka. Zimaphatikizapo malamulo onse a penshoni omwe amapereka ndalama m'malo mwa ogwira ntchito atapuma pantchito. Zitsanzo zikuphatikiza malamulo achindunji monga Pensions Act, Compulsory Participation in Industry Pension Fund 2000 Act kapena Equalization of Pension Rights in the Event of Divorce Act. Lamuloli limakhudzanso, mwazinthu zina, zomwe ziyenera kukwaniritsidwa kuti munthu athe kulandira penshoni, malamulo okhudza kasamalidwe ndi kulipira ufulu wa penshoni ndi omwe amapereka penshoni komanso njira zoletsera kuphwanya penshoni.

Menyu Yowonjezera

Ngakhale lamulo lamapenshoni ndiloyenera palokha, lilinso ndi malo ambiri olumikizirana ndi madera ena amilandu. Ichi ndichifukwa chake, potengera malamulo apenshoni, kuphatikiza pamalamulo ndi malamulo, malamulo ndi malamulo onse pantchito, mwachitsanzo, amagwiranso ntchito. Mwachitsanzo, penshoni ndizofunikira pantchito kwa ambiri ogwira ntchito, zomwe zimayikidwa ndikukambirana mu mgwirizano wantchito. Vutoli limapereka ndalama muukalamba. Kuphatikiza pa lamulo lantchito, madera otsatirawa atha kuganiziridwanso:

• Lamulo lazachinyengo;
• Lamulo la mgwirizano;
• Lamulo la misonkho;
• Lamulo la inshuwaransi;
• Kufananitsa ufulu wa penshoni banja litatha.

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Malamulo ndi malamulo osiyanasiyana omwe amasintha malamulo amtundu wa penshoni ndikukhalapo nthawi zina zimapangitsa kuti malamulo a penshoni akhale ovuta komanso ovomerezeka. Kuphatikiza apo, malamulo a penshoni samaima ndipo nthawi zambiri amakumana ndi kusintha kwamayiko ndi mayiko, komanso malangizo owongolera monga De Nederlandsche Bank (DNB) ndi Netherlands Authority for the Financial Markets (AFM). Izi zikutanthauza kuti kuthana ndi vuto la malamulo a penshoni sikungofunika kuzindikira kokha, komanso chidziwitso chaposachedwa cha ntchitoyi ndipo chifukwa chake ndi kwanzeru kutenga loya ngati mungakumane ndi lamulo la penshoni. Law & MoreOyimira milandu sikuti amangokhala achikhalidwe pankhani yamapenshoni, komanso pankhani zina zamalamulo zomwe zatchulidwazi. Kodi muli ndi mafunso aliwonse okhudza lamulo la penshoni? Law & More ali wokondwa kukuthandizani. Muthanso kupeza zambiri zamalamulo ena patsamba lathu.

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Kupuma pantchito malinga ndi mzati

Ndalama zopuma pantchito zomwe zimapereka ndalama zowonjezera kwa ogwira ntchito atapuma pantchito zimatchedwanso penshoni. Ku Netherlands, njira zopezera anthu opuma pantchito, kapena dongosolo la penshoni, ili ndi mizati itatu:

Penshoni yoyambira. Pensheni yayikulu imadziwikanso kuti OW-provision. Aliyense ku Netherlands ali ndi ufulu wokhala ndi mwayi wotere. Komabe, pali zinthu zingapo zomwe zaphatikizidwa ndi izi. Chikhalidwe choyamba cholandirira AOW ndikuti zaka zina, zaka 67, ziyenera kuti zidakwaniritsidwa. Chikhalidwe china ndikuti nthawi zonse munthu amakhala akugwira ntchito kapena kukhala ku Netherlands. Kwa chaka chilichonse chomwe munthu amakhala ku Netherlands kuyambira 15 mpaka zaka 67, 2% yazambiri zopezedwa ndi AOW zimapezeka. Mbiri yantchito siyofunikira pankhaniyi.

Ufulu wa penshoni. Chipilala ichi chimakhudza maufulu omwe munthu adapeza panthawi yogwira ntchito ndipo imagwira ntchito ngati penshoni yowonjezerapo ku penshoni yoyamba. Makamaka, chowonjezerachi chimakhudza malipiro omwe amalandila omwe amalipiridwa limodzi ndi owalemba ntchito ndi omwe amamuchitira. Pensheni yowonjezerayi nthawi zonse imamangidwa pamgwirizano wapantchito ndi wolemba ntchito, kuti pakadali pano mbiri ya ntchito ndiyofunikira. Ku Netherlands, komabe, palibe lamulo lovomerezeka kwa olemba anzawo ntchito kuti apange penshoni (yowonjezerapo) kwa omwe akuwagwirira ntchito. Izi zikutanthauza kuti mgwirizano uyenera kupangidwa pakati pa wogwira ntchito ndi wolemba pankhaniyi. Law & More ndidzakhala wokondwa kukuthandizani ndi izi.

Pensheni Yodzifunira. Chipilalachi chimakhudza makamaka ndalama zonse zomwe anthu adadzipangira asanakalambe. Zitsanzo zimaphatikizapo ndalama zapakhomo, inshuwaransi ya moyo ndi ndalama zochokera kuchilichonse. Makamaka ndianthu omwe amadzipangira okha ntchito komanso amalonda omwe amayenera kudalira chipilalachi pantchito yawo.

Kuchita nawo mokakamizidwa mu Industry Pension Fund Act 2000

Ngakhale olemba anzawo ntchito ku Netherlands sakakamizidwa kukonza ndalama zapenshoni (zowonjezerapo) kwa omwe akuwagwirira ntchito, nthawi zina amakhala okakamizika kukonzekera penshoni. Izi zili choncho, mwachitsanzo, ngati kutenga nawo mbali pantchito ya penshoni ndikoyenera kwa olemba anzawo ntchito kudzera mu thumba la penshoni. Kukakamizidwa kumeneku kumachitika ngati zomwe akuti ndizofunikira zikugwira ntchito pagawo linalake: malongosoledwe ovomerezeka ndi nduna ya gawo lomwe akukakamizidwa kutenga nawo gawo pazandalama zonse zamakampani. Kutenga nawo mbali mokakamizidwa mu Fund Pension Fund Act 2000 ikukhazikitsa mwayi wokhala ndi pulogalamu yapa penshoni kwa onse ogwira ntchito mumakampani ena kapena gawo lina.

Ngati kutenga nawo mbali mu thumba la penshoni mdziko lonse ndikokakamiza, olemba anzawo ntchito pantchitoyo ayenera kulembetsa ndi thumba la penshoni. Pambuyo pake, thumba limapempha zidziwitso za ogwira ntchito kuti ziperekedwe ndipo olemba anzawo ntchito amalandila ndalama yapa penshoni yomwe ayenera kulipira. Ngati olemba anzawo ntchito sakugwirizana ndi thumba la penshoni, ngakhale kuli koyenera kutero, adzakhala m'malo ovuta. Kupatula apo, pakadali pano pali mwayi kuti mapenshoni azogulitsa makampani azifunabe zolipirira zonse zaka zonse mobwerezabwereza. Pa Law & More tikumvetsetsa kuti izi zili ndi zotsatirapo zovuta kwa olemba anzawo ntchito ntchito. Ichi ndichifukwa chake Law & MoreAkatswiri ali okonzeka kukuthandizani kupewa zovuta ngati izi.

Lamulo la penshoniLamulo la penshoni

Phata la lamulo la penshoni ndi Pension Act. Lamulo la Pensions limaphatikizapo malamulo omwe:

• Kuletsa kusintha kwa ufulu wa penshoni
• Kupereka ufulu wokhudzana ndi kusamutsa phindu pamulingo wa olemba anzawo ntchito;
• Kulamula kuti ogwira nawo ntchito azitenga nawo gawo potsatira mfundo za omwe amapereka penshoni;
• Amafuna ukatswiri wochepa wokhudzana ndi ukatswiri wa mamembala a omwe amapereka ndalama zapenshoni;
• Kuyang'anira momwe ndalama za penshoni zikuyenera kulipilidwira;
• Lemberani zofunikira zazomwe amapereka pantchito.

Limodzi mwalamulo lina lofunikira mu Pension Act limakhudzana ndi zomwe, zikamalizidwa, mgwirizano wapenshoni pakati pa owalemba ntchito ndi wogwira ntchitoyo uyenera kukumana. Poterepa, Article 23 ya Pension Act imati mgwirizano wamapenshoni uyenera kuperekedwa muthumba la penshoni kapena wothandizira inshuwaransi wovomerezeka. Ngati olemba anzawo sanachite izi, kapena osakwanira, amakhala pachiwopsezo chazovuta za olemba anzawo ntchito, zomwe zimatha kuyambitsidwa ndi wogwira ntchitoyo kudzera pamalamulo onse amilandu ya mgwirizano. Kuphatikiza apo, kutsatira malamulo ndi malamulo motsatira malamulo a penshoni, monga tanenera kale, akuyang'aniridwa ndi DNB ndi AFM, kotero kuti kuphwanya malamulo kumavomerezedwanso ndi njira zina.

At Law & More timamvetsetsa kuti zikafika pamalamulo a penshoni, sikuti malamulo ndi malamulo osiyanasiyana ovuta, komanso zofuna zosiyanasiyana komanso maubale ovuta azamalamulo zimakhudzidwa. Ichi ndichifukwa chake Law & More amagwiritsa ntchito njira yaumwini. Akatswiri athu pantchito yamalamulo a penshoni amadzimadzika nanu ndipo amatha kuwunika momwe zinthu ziliri komanso kuthekera kwanu limodzi. Kutengera kusanthula uku, Law & More angakulangizeni pa njira zotsatirazi. Kuphatikiza apo, akatswiri athu ali okondwa kukupatsirani upangiri ndi chithandizo munthawi yovomerezeka. Kodi muli ndi mafunso okhudza ntchito zathu kapena lamulo la penshoni? Ndiye kukhudzana Law & More.

Kodi mukufuna kudziwa chiyani Law & More ndingakuchitireni ngati kampani ya zamalamulo ku Eindhoven?
Kenako lemberani foni +31 40 369 06 80 kapena mutitumizira imelo:

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Bambo. Maxim Hodak, loya ku & Zambiri - [imelo ndiotetezedwa]

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