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If you're young and just started working, retirement probably seems a long way off. Having a few thousand euros when you retire sounds like someone else's dream, doesn't it?
It doesn't have to be like that, as you yourself can have a large pension in old age, thanks to a well-thought-out and effective private pension fund.
25 years old: Start saving!
Are you 25 years old and just started your first job? Congratulations!
Before you start spending your salary recklessly, think about saving something for retirement. For example, if your starting salary is 50,000 ALL/month, every month you can simply save 3,000 ALL and at the age of 60 you will have a monthly pension of about 25,000 ALL.
As the months go by and the possible growth in your career, you can start to contribute more so that the pension you will receive is also bigger.
35 years old: Don't be tempted!
You may have already been promoted, you have been working for a while and maybe the income is greater compared to 10 years ago, but the expenses are also greater.
Children's expenses, home or car loans, rent, etc., are all factors that can tempt you to give up your private pension savings, but make no mistake!
If you are worried about having to think about your children's education and not your pension, think of it this way: when you have an additional private pension you will not be a burden on your children in their old age and you will have financial stability, so they too themselves will be calmer!
45 years old: You are stable!
You are already in the middle of your career, and the chances that you already have financial stability are greater since the work has been more stable, the salary more satisfying and the expenses more stabilized.
Meanwhile, in terms of savings, if you have continued to contribute 3,000 ALL/month, your savings have reached around 1,100,000 ALL. But if you started saving 20 years ago with 3,000 ALL and then increased the amount of savings to 10,000 ALL, your savings will be around 6,200,000 ALL.
Thus, you will have a monthly pension of about 45,000 Lek.
65 years old: Enjoy the savings!
If you haven't touched your private pension savings yet, you will now benefit from 2 pensions: the state pension and an additional pension. You have about 40 years of work under your belt and you can now start enjoying the savings of a lifetime. However, care should always be taken in managing savings in such a way that they last as long as possible and live without financial worries!
If you choose a trusted pension fund like "SIGAL UNIQA Pension Fund", you can withdraw these savings all at once or in the form of an additional private pension every month, at an age that you choose.
Pay yourself the pension you receive depending on the contribution by visiting the website www.fondisigal.com.al
Need an expert's advice?
Contact at:
E-mail: [email protected]
Phone: +35544511666
Or visit the Fund's offices closely at the address: "Ukraina e Lire" Street, Tirana.
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