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קופות גמל ותיקון 190

גיל הפרישה הוא שלב בחיים שמומלץ להתכונן אליו כמה שיותר זמן מראש. מבחינה פיננסית, זהו גיל שבו רמת ההכנסה בדרך כלל יורדת, ומי שלא עובד תלוי בקצבת הפנסיה שלו. ישנן כמה דרכים להתכונן מראש לתקופה זו בחיים. אחת מהן היא אפשרות שנוספה לציבור הרחב בשנים האחרונות, והיא פתיחת קופת גמל בהתאם לתיקון 190. מה מאפשר …

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מגזר העצמאים בשוק הוא מגזר של עובדים שאינם מקבלים הטבות סוציאליות ופנסיה כמו שכירים. מכיוון שהמודעות לצורך בפתרונות פנסיוניים לעצמאים גברה, המדינה ביצעה כמה שינויים בחוק על מנת לעודד עצמאים ליצור לעצמם ערוצי הכנסה עתידיים בזמן גיל הפרישה. אחד מערוצי החיסכון שאפשריים כיום הוא פתיחת קרן השתלמות לעצמאים. מדובר במוצר של חיסכון לטווח בינוני, שמאז …

Call Now Button

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