{"id":210693,"date":"2023-07-17T14:03:27","date_gmt":"2023-07-17T12:03:27","guid":{"rendered":"https:\/\/tuzlainfo.ba\/?p=210693"},"modified":"2023-07-17T15:09:31","modified_gmt":"2023-07-17T13:09:31","slug":"2x-njemacki-mediji-ovo-je-maksimalna-penzija-koju-mozete-dobiti-ako-radite-u-njemackoj","status":"publish","type":"post","link":"https:\/\/tuzlainfo.ba\/index.php\/clanci\/sa-svih-strana\/item\/210693-2x-njemacki-mediji-ovo-je-maksimalna-penzija-koju-mozete-dobiti-ako-radite-u-njemackoj\/","title":{"rendered":"Njema\u010dki mediji: Ovo je maksimalna penzija koju mo\u017eete dobiti ako radite u Njema\u010dkoj"},"content":{"rendered":"

Mnogi u Njema\u010dkoj jedva \u010dekaju oti\u0107i u penziju, naro\u010dito ako smatraju kako \u0107e ostaviti iznadprosje\u010dnu penziju. A koliko novca iznosi maksimalna penzija u Njema\u010dkoj, te za\u0161to se oni koji je primaju ne smatraju bogatima, objavio je Fenix-magazin.<\/a><\/em><\/strong><\/p>\n

Na kraju dugog profesionalnog \u017eivota \u010desto dolazi razo\u010daranje. Za 2021. godinu prosje\u010dna penzija nakon 40 godina rada u Njema\u010dkoj iznosila je 1.370 eura. Oni koji imaju taj prihod sigurno ne smatraju kako primaju bogatstvo. Pove\u0107anje penzija u julu 2023. nije to mnogo promijenilo. Penzioneri na zapadu se mogu veseliti 4,39 posto vi\u0161e novca – u novim saveznim dr\u017eavama penzije su porasle za 5,86 posto. U ve\u0107ini slu\u010dajeva, me\u0111utim, ve\u0107i finansijski skokovi nisu mogu\u0107i.<\/p>\n

Uostalom, prema podacima Njema\u010dkog zavoda za statistiku, stopa inflacije samo u maju 2023. iznosila je 6,1 posto. Ali s kojim se primanjima neko u Njema\u010dkoj smatra bogatim?<\/p>\n

Postoji mjerilo za dohodak prema kojem se u Njema\u010dkoj neko mo\u017ee smatrati bogatim. Da biste to postigli, morate dosegnuti prag od preko 200 posto srednjeg dohotka.
\nPrema \u0161estom izvje\u0161taju o siroma\u0161tvu i bogatstvu iz 2021, to iznosi \u201covisno o izvoru podataka – od ne\u0161to manje od 3.600 eura do ne\u0161to manje od 3.900 eura\u201d.<\/p>\n

Ostvariti takvu vrijednost uz zakonsku penziju ne samo da je potpuno iluzorno, ve\u0107 jednostavno nije mogu\u0107e. Visina penzije izra\u010dunava se prema tome koliko je zaposlenik prikupio penzionih bodova tokom radnog vijeka.<\/p>\n

Ta\u010dno jednom bodu mo\u017ee se veseliti onaj ko trenutno zara\u0111uje 43.142 eura bruto godi\u0161nje.<\/p>\n

Ako zaradite vi\u0161e, dobit \u0107ete vi\u0161e \u2013 a ako zaradite manje, dobivate manje bodova. Osim toga, postoji maksimalni iznos koji mo\u017eete uplatiti u zakonsko penziono osiguranje \u2013 tzv. limit za utvr\u0111ivanje doprinosa.<\/p>\n

Taj maksimalan iznos, prema tvrdnjama Njema\u010dkog penzionog osiguranja, u januaru 2023. je porastao u starim saveznim zemljama sa 7.050 na 7.300 eura mjese\u010dno, a u novim saveznim zemljama sa 6.750 na 7.100 eura mjese\u010dno.<\/p>\n

Za stare savezne zemlje to odgovara godi\u0161njem bruto prihodu od 87.600 eura. U novim saveznim zemljama to mo\u017ee biti najvi\u0161e 85.200 eura.<\/p>\n

\u201eZa dohodak iznad toga ne moraju se pla\u0107ati nikakvi doprinosi\u201c, obavje\u0161tava Njema\u010dko mirovinsko osiguranje.<\/p>\n

\u0160ta to konkretno zna\u010di za visinu penzije? S godi\u0161njim bruto dohotkom koji je jednak gornjoj granici doprinosa, mo\u017eete ostvariti oko 2,03 boda zarade godi\u0161nje. Nakon 45 godina doprinosa, to bi rezultiralo s oko 91 bodom zarade.<\/p>\n

Za jedan bod trenutno dobivate ekvivalent od 36,02 eura za zapadnu Njema\u010dku i 35,52 eura za isto\u010dnu Njema\u010dku.<\/p>\n

Nakon pove\u0107anja, vrijednost penzije iznosi jedinstvenih 37,60 eura, navode njema\u010dki mediji.<\/p>\n

Ako sada sada\u0161nju vrijednost penzije za Zapadnu Njema\u010dku pomno\u017eite s 90 zara\u0111enih bodova, dobit \u0107ete maksimalnu bruto penziju od 3.240 eura.<\/p>\n

Me\u0111utim, prema izra\u010dunu Njema\u010dkog penzionog osiguranja ni ta se vrijednost ne mo\u017ee posti\u0107i. U skladu s tim, zaposlenik koji je 45 godina upla\u0107ivao maksimalne doprinose u penzioni fond u zapadnoj Njema\u010dkoj izme\u0111u 1977. i 2021. primit \u0107e maksimalnu penziju od 3141,82 eura.<\/p>\n

U usporedbi s dijelom stanovni\u0161tva koje jo\u0161 uvijek radi, ni maksimalna penzija u Njema\u010dkoj nije dovoljna da bi se neko smatrao bogatim.<\/p>\n

Naravno, stvari izgledaju druga\u010dije ako se zakonski propisana maksimalna penzija uporedi s prosje\u010dnim prihodima.<\/p>\n

Prema Institutu njema\u010dkog gospodarstva (IW) K\u00f6ln, tu se radi o granici od 1.945 eura.<\/p>\n

Ako ste penzioner koji \u017eivi sam i imate mjese\u010dni prihod ku\u0107anstva ve\u0107i od 1.945 eura, ve\u0107 spadate u bogatiju polovicu ove skupine stanovni\u0161tva, pi\u0161u njema\u010dki mediji.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Mnogi u Njema\u010dkoj jedva \u010dekaju oti\u0107i u penziju, naro\u010dito ako smatraju kako \u0107e ostaviti iznadprosje\u010dnu…<\/p>\n","protected":false},"author":3,"featured_media":66977,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[7563,6778],"acf":[],"yoast_head":"\nNjema\u010dki mediji: Ovo je maksimalna penzija koju mo\u017eete dobiti ako radite u Njema\u010dkoj - TuzlaInfo.ba<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tuzlainfo.ba\/index.php\/clanci\/sa-svih-strana\/item\/210693-2x-njemacki-mediji-ovo-je-maksimalna-penzija-koju-mozete-dobiti-ako-radite-u-njemackoj\/\" \/>\n<meta property=\"og:locale\" content=\"bs_BA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Njema\u010dki mediji: Ovo je maksimalna penzija koju mo\u017eete dobiti ako radite u Njema\u010dkoj - 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