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In a daily conversation between friends, we often come across different topics that make us think more deeply about the future. Recently, in a podcast episode, such a discussion between Mira Kazhani and Spiro Brumbulli brought to our attention one of the most important issues for every individual: private pension.
Mira: "Have you thought about retirement? A friend told me a few days ago, "I'm making a private pension." I said, "Don't remind me!", because I thought it was too late."
Spiro Brumbulli: "It's the best thing. No, you're not late. The private pension is worth the more years you contribute, the more the amount becomes. One of the things we all need to do is start early. A small amount. As soon as we start working, we have to start a private pension fund. With the state scheme we will never be able to provide the same standard of living in retirement. It is indisputable."
Mira Kazhani: "Very true."
The Importance of Having a Private Pension
This simple but profound dialogue between Mira and Spiros reminds us of the vital importance of thinking about our retirement from the first moments of our careers. Here are some reasons why you should consider setting up a private pension:
1. Financial Security in the Future
The state pension scheme, despite being a valuable aid, often cannot cover all our financial needs in retirement. A private pension provides you with an additional source of income, allowing you to maintain a satisfactory standard of living and not face financial difficulties.
2. Flexibility and Control
With a private pension, you have full control over your contributions and can choose the method of withdrawal that best suits your financial needs and goals. You can start with small amounts and increase your contributions over time, according to your financial capabilities. The contribution made by each member to the Fund is deducted from his personal income, for tax purposes. Investment returns, including capital gains from investments made with the Fund's assets, during the investment period, are not subject to taxation, neither for the fund itself nor for the management company. Any private pension contributions are exempt from income tax for the employee under the new law. The maximum monthly limit, for the purposes of tax benefits, is up to the level of the nationally approved minimum wage, which is currently 40,000 ALL per month or 480,000 ALL per year.
3. Profit from Investments
Your contributions to a private pension fund are invested smartly and 99% safe, as the latter are invested in government bonds to generate additional income over the years. The earlier you start, the more time your investments have to grow in value, providing you with a bigger retirement in the future.
4. Financial Independence
A private pension helps you to secure your financial independence, without being completely dependent on the state pension or family support. This gives you peace of mind and the opportunity to enjoy your golden years without financial worries.
Thinking about retirement is not a matter to be put off. As Spiro Brumbulli points out, any amount, however small, invested early in a private pension fund can make a big difference in the future. Don't put off this important decision. Start thinking about your private pension today and ensure you have a stable and secure financial future.
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