קרן פנסיה

קרן פנסיה היא חיסכון לטווח ארוך, בו מפקיד החוסך סכומי כסף מידי חודש, ומקבל אותו בחזרה רק לאחר שהגיע לגיל פרישה.

המבוטח מקבל את החיסכון כקצבה חודשית המשולמת לו עד סוף חייו, או שניתן לקבל חלק מהסכום כמענק חד פעמי, בתמורה להקטנת הקצבה החודשית.

בנוסף מבוטח החוסך בקרן הפנסיה מבוטח בביטוח אובדן כושר עבודה, פנסיית נכות ובביטוח למקרה מוות-פנסיית שאירים.

הדרך המקובלת לחסוך לפנסיה היא הפרשה מהמשכורת לחיסכון המתחלק בין העובד למעביד.

העובד משלם בדרך כלל 6% והמעביד 6.5% בנוסף מקובל שהמעביד יפריש גם את תשלום הפיצויים לעובד לתוך החיסכון שהם 6-8.3% נוספים.

שיעור ההפקדה המקסימלי לתגמולים הוא 7% לעובד ו-7.5% למעביד.

עובדים עצמאיים יכולים להפריש לקרן הפנסיה באופן עצמי וליהנות מהטבות מס בשיעור מקסימלי של 16% מהכנסתם עד תקרת הכנסה מזכה.

מסלולי החיסכון הפנסיוני מגוונים, וכוללים ביטוח לשארים לאחר גיל פרישה ( בן זוג וילדים עד גיל 21 וכן ילדים המוגדרים תלויים), וביטוח לשארים במקרה מוות לפני גיל פרישה.

ככול שסכומי הביטוח גבוהים יותר, בהתאם למסלולי הביטוח הנבחרים, כך קטן סכום החיסכון הנצבר לגיל פרישה ולהפך.

פנסיית חובה: חוק הפנסיות החל ב- 1.1.08 החוק מטיל חובת ביטוח פנסיוני מקיף על כל עובד שכיר.

חובת הביטוח הפנסיוני תיכנס לתוקף לאחר שישה חודשי עבודה, אם יש לעובד הסדר ביטוח פנסיוני קודם, יש לבטחו כעבור שלושה

חודשי עבודה או בתום שנת המס, לפי המוקדם מביניהם.

לקבלת הצעה וייעוץ מקצועי, השאירו פרטים ונחזור בהקדם

הביטוחים שלנו

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t=r(z);null!==t;){if(null===t.callback)o(z);else{if(!(t.startTime<=e))break;o(z),t.sortIndex=t.expirationTime,n(L,t)}t=r(z)}}function l(e){if(D=!1,i(e),!j)if(null!==r(L))j=!0,c(u);else{var t=r(z);null!==t&&f(l,t.startTime-e)}}function u(e,n){j=!1,D&&(D=!1,d()),F=!0;var a=I;try{for(i(n),A=r(L);null!==A&&(!(A.expirationTime>n)||e&&!p());){var u=A.callback;if(null!==u){A.callback=null,I=A.priorityLevel;var s=u(A.expirationTime<=n);n=t.unstable_now(),"function"==typeof s?A.callback=s:A===r(L)&&o(L),i(n)}else o(L);A=r(L)}if(null!==A)var c=!0;else{var h=r(z);null!==h&&f(l,h.startTime-n),c=!1}return c}finally{A=null,I=a,F=!1}}function s(e){switch(e){case 1:return-1;case 2:return 250;case 5:return 1073741823;case 4:return 1e4;default:return 5e3}}var c,f,d,p,h;if("undefined"==typeof window||"function"!=typeof MessageChannel){var m=null,b=null,g=function(){if(null!==m)try{var e=t.unstable_now();m(!0,e),m=null}catch(e){throw setTimeout(g,0),e}},y=Date.now();t.unstable_now=function(){return 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03-9407600

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