גולשים יקרים,

לאור הביקוש והפניות הרבות בפורום בנושא פרישה לפנסיה, החלטנו לפתוח לרווחת הגולשים פורום ייעודי בנושא.

מטרת הפורום לסייע לכם להתמודד ביתר קלות עם העולם הפנסיוני בכלל ועולם הפרישה בפרט.

אתם מוזמנים להאיר ולהעיר במטרה להביא לשיפורו של פורום זה

לכניסה לפורום, קישור בתחתית ההודעה

גלישה נעימה,
אופיר

המאמר שיחסוך לכם כסף רב וינחה כיצד להתנהל

תמיד עולה המשפט "יכולתם לחסוך"

למה יכולתם?

אתם עדיין יכולים גם היום.

גולשים יקרים,
הושקעו בפורום משאבים, מחשבה, זמן ומאמצים רבים ע"מ שתוכלו להפיק ממנו תועלת רבה. השתמשו בו בתבונה ואנו נשמח לעמוד לרשותכם בכל שאלה.

אנו מזמינים אתכם לכתוב, לשאול, להעיר או להאיר ולהציע.
שימו לב, הגלישה והשימוש באתר הנם אך ורק בכפוף לעמידה בכל תנאי השימוש באתר ע"פ התנאים בקישור למטה.

גלישה מהנה,
אופיר שץ - מנכ"ל FutureValue

Universal Principles in Psychology

Individual differences vs universal principles in psychology is an ongoing issue similar to the nature vs nurture debate. Do psychologists focus on what makes us different or what makes us the same?

Universal principles are behaviors and traits that are true for all humans or all members of a culture or society.

Neuroscientists may focus on what makes us the same, such as specific hormones that prime us for sexual behavior. On the other hand, humanistic psychologists may take a special interest in individual differences, believing that all behavior is a reflection of a person's unique qualities.
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Individual Differences in Psychology: Strengths and Weaknesses
So what are the strengths and weaknesses of considering individual differences in psychology rather than universal principles? Let's take a look:

Strengths

Weaknesses

Looking at individual differences requires psychologists to consider the whole person when treating mental illnesses, rather than the general characteristics of the disorder. (This is often called a holistic approach)

Understanding individual differences in psychology give us a clearer picture of concepts like intelligence, personality, gender, and memory.

توصيات الذهب

Can help educators learn how to support students who may have fallen through the cracks and need special attention to achieve education goals.

Understanding individual differences can help us pinpoint certain developmental issues or psychological disorders.

Focusing too much on differences can create divisions between groups.

Overemphasis on differences when discussing mental health can make some people feel ostracized or left out.

Can help educators learn how to support students who may have fallen through the cracks and need special attention to achieve education goals.

Risks too much focus on internal factors, giving less credit to external factors.
توصيات الاسهم الامريكية

Individual Differences Psychology - Key takeaways
Individual differences are comprised of our unique characteristics and traits, which distinguish us from others.
Three important ways of measuring individual differences are through observations, controlled lab experiments, and surveys or questionnaires.
Highlighting individual differences in educational psychology can apply to intelligence, learning style, and motivation.
Universal principles are behaviors and traits that are true for all humans or all members of a culture or society.
https://www.gold-pattern.com/
Individual differences help us pinpoint developmental issues and give us a clearer picture of concepts like intelligence, personality, gender, and memory. On the other hand, overemphasis on differences when discussing mental health can make some people feel ostracized or left out.

Customer satisfaction

Despite all the effort and money poured into CX tools by companies, customer satisfaction continues to decline. In the United States, it is now at its lowest level in nearly two decades, per data from the American Customer Satisfaction Index (ACSI). Consumer sentiment is also at its lowest in more than two decades. This negative dynamic in the customer-centric ecosystem in which we now live creates the challenge of figuring out what is going wrong and what companies can do to fix it.

The short answer is that companies need to create an amazing customer experience. Customers no longer only compare companies to their competitors. They compare with the best companies and brands across industries. But satisfaction across the board is in decline! That begs the question: What customer satisfaction areas should companies tackle strategically to create greater profit at lower risk?

توصيات الاسهم الامريكية



We base our answer on research at the ACSI — analyzing millions of customer data points — and research that we conducted for our book, The Reign of the Customer: Customer-Centric Approaches to Improving Customer Satisfaction. For three decades, the ACSI has been a leading satisfaction index (cause-and-effect metric) connected to the quality of brands sold by companies with significant market share in the United States.

Here are the top 10 areas to focus on to satisfy customers and create greater profit at lower risk:

Customer Satisfaction is a Strategic Asset

The American Customer Satisfaction Index defines customer satisfaction as a strategic company asset that should be optimized. Satisfaction should not be maximized but also not ignored; optimization is the key. Companies thrive by delivering on customers’ satisfaction expectations in combination with quality, value, and complaint handling. The focus should then be to manage the optimization of satisfaction relative to customer expectations and company resources used.
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It is important to understand this optimization of customer satisfaction since there is a complicated — and ultimately negative — relationship between satisfaction and market share. That is, while high and improving satisfaction in smaller companies drives market-share growth, maintaining high satisfaction once the market share is larger becomes more difficult. This is because with a larger market share typically comes a more heterogeneous customer base and more diverse customer behaviors, which makes delivering high satisfaction more difficult.

Understand What Customers Expect
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What type of demands do customers have relative to their experiences with companies? Let’s start with the misnomer of sky-rocketing expectations. For the past 12 years, using ACSI data, customer expectations have been relatively steady at the macro level (across industries and companies), scoring between 79 and 82 on a 100-point scale (where 100 represents the highest expectations). Now, companies in the auto industry like BMW, Mercedes, and Toyota, seemingly always have much higher expectations than average (>90) from their customers that they have to manage.

Despite the steady cross-industry expectations, the popular choice for many businesses is to aim higher and higher, and at least to “always exceed customer expectations.” Is this the future trend in customer expectations? Practically, it is a flawed argument since companies should avoid promising to “always exceed expectations,” as attempting such a strategy is not sustainable. Companies can and should delight the customer with an amazing experience but with realistic aims.

Quality Performance Matters

How have customers’ quality perceptions evolved (brands, products, and services)? Important in this context is what constitutes quality. Quality, as measured within the ACSI, refers to reliability and customizability, but customizability dominates reliability as a driver of satisfaction. At the macro-level, for the past 12 years quality has been residing in the 79 to 83 range on a 100-point scale (where 100 is the highest quality). For example, Quaker has impressive scores on overall quality, with BMW and Publix peaking in product and service quality, respectively.

A key issue moving forward is likely to be strategies for improving satisfaction in the absence of gains in perceived quality for many companies. Contrary to what managers often think, quality trumps price. More broadly, quality also trumps value as a driver of customer satisfaction across most economic sectors and industries. Plus, we live in a “mass customization” economy, which is reflected in satisfaction being more sensitive to the personalizability than the reliability of products and services.


https://www.gold-pattern.com/en

Tiny Habits for Better Physical Health
1. Drink a glass of water first thing in the morning. We often don’t get enough water in our systems, and get so busy throughout the day that we don’t think about stopping to replenish our supply. Or we replenish with soda or coffee or tea but not water. Trigger yourself by leaving a big glass out on the counter or table. Or do what I do, and get a big travel mug with a lid. At night, I fill it up with a lot of ice and a bit of water, and in the morning it’s waiting for me: a nice, cool cup of water. Flush the toxins, kickstart your system, wake yourself up
2. Park as far away as you can from the door. Fight the effects of a sedentary lifestyle by getting more steps into your day whenever you can. In fact, simple things like a longer stroll from the car to the door might be more effective than a vigorous work-out at counteracting the effects of long hours at a desk.
3. Eat raw fruit or vegetables with every meal. Think: a green side salad, a slice of melon, some berries, a few carrot sticks and cucumber slices. Not only will you get more nutrients in, you will also be getting in more fiber and potentially helping your body lose weight, retain energy, and decrease hunger.
4. Stand up and stretch every hour, on the hour. Trigger yourself with a beep on your phone or watch (do people still wear those?) or computer. Sitting for extended time periods is a bad idea for both your body and your brain. You need a mental and physical break, and it doesn’t have to be a big deal. Just stop, when your on-the-hour beep sounds at you. Stand up where you are, reach over your head, take a deep breath, touch your toes, roll your shoulders.
5. Carry a small bag of nuts or beef jerky everywhere you go. Something protein-rich will help stave off hunger as well as keeping you from getting to that ravenous point when you’ll eat anything in sight, no matter what the calorie count is. Getting a little more protein in your diet can help boost your metabolism and build your muscle, as well.
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Tiny Habits for Better Mental Health
1. Ask open-ended questions. Instead of throwing out questions just so you can insert your own opinion, ask bigger, better questions. Avoid asking questions that can be answered with a simple Yes or No. Try questions that start with “What do you think about…?” and “How would you….?” or “What is your experience with…?” Then listen to the answers with the attitude that you are here to learn. Having an open perspective and initiating deeper conversations will help you to relate with others, cultivate empathy, keep your own problems in perspective, make new friends, and learn new ways of approaching life. Imagine the wisdom you would gain in five or ten years if you just have one of these conversations every week.

توصيات الاسهم الامريكية


2. Keep a tray of art supplies out on your table/desk/shelf. Don’t force or even expect yourself to clock in a certain number of minutes or productions. Just keep them out, in reach, so that when you feel like doodling around with something artistic, it is effortless. Bonus points: switch the art medium out every week or month (pastels, crayons, watercolors, ink, clay, playdough, carving knife & wood block).
3. Sit in silence for a few minutes every day. We don’t have to call this meditation, because that might be a little too intimidating. You don’t have to sit cross-legged. You don’t have to close your eyes. You don’t have to be Zen-like in anyway. Your brain can be flying a hundred miles an hour, but don’t say or do anything. Just sit, comfortably, and breathe for a few minutes.
توصيات الذهب

4. Jot down everything on your mind for a few minutes at the end of the day. This is a brain dump in the easiest way possible. It’s not a big deal like a daily journal or to-do list or planner might feel. Keep a simple notebook by the bed, and give yourself a few minutes to pour out everything that’s on your mind before you go to sleep. Don’t edit. Let it all out, in any format, in any order. It doesn’t have to make sense, even to you. Studies show that this type of writing can reduce anxiety and depression. Alternative: use a voice recorder and simply talk, in unedited stream-of-consciousness style, for a few minutes into your recorder.
Read more on : Https://www.gold-pattern.com/en

Understanding Trading Strategies
A trading strategy includes a well-considered investing and trading plan that specifies investing objectives, risk tolerance, time horizon, and tax implications. Ideas and best practices need to be researched and adopted then adhered to. Planning for trading includes developing methods that include buying or selling stocks, bonds, ETFs, or other investments and may extend to more complex trades such as options or futures.

Placing trades means working with a broker or broker-dealer and identifying and managing trading costs including spreads, commissions, and fees. Once executed, trading positions are monitored and managed, including adjusting or closing them as needed. Risk and return are measured as well as portfolio impacts of trades and tax implications.
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The longer-term tax results of trading are a major factor and may encompass capital gains or tax-loss harvesting strategies to offset gains with losses.
Developing a Trading Strategy
There are many types of trading strategies, but they are based largely on either technicals or fundamentals. The common thread is that both rely on quantifiable information that can be backtested for accuracy. Technical trading strategies rely on technical indicators to generate trading signals. Technical traders believe all information about a given security is contained in its price and that it moves in trends.
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For example, a simple trading strategy may be a moving average crossover whereby a short-term moving average crosses above or below a long-term moving average.


Fundamental trading strategies take fundamental factors into account. For instance, an investor may have a set of screening criteria to generate a list of opportunities. These criteria are developed by analyzing factors such as revenue growth and profitability.
توصيات الاسهم الامريكية



There is a third type of trading strategy that has gained prominence in recent times. A quantitative trading strategy is similar to technical trading in that it uses information relating to the stock to arrive at a purchase or sale decision. However, the matrix of factors that it takes into account to arrive at a purchase or sale decision is considerably larger compared to technical analysis. A quantitative trader uses several data points—regression analysis of trading ratios, technical data, price—to exploit inefficiencies in the market and conduct quick trades using technology.

Special Considerations
Trading strategies are employed to avoid behavioral finance biases and ensure consistent results. For example, traders following rules governing when to exit a trade would be less likely to succumb to the disposition effect, which causes investors to hold on to stocks that have lost value and sell those that rise in value. Trading strategies can be stress-tested under varying market conditions to measure consistency.

Profitable trading strategies are difficult to develop, however, and there is a risk of becoming over-reliant on a strategy. For instance, a trader may curve fit a trading strategy to specific backtesting data, which may engender false confidence. The strategy may have worked well in theory based on past market data, but past performance does not guarantee future success in real-time market conditions, which may vary significantly from the test period.

Read more on :
Https://www.gold-pattern.com/en

Personality tests
There are two major types of personality tests, projective and objective.

Projective tests assume personality is primarily unconscious and assess individuals by how they respond to an ambiguous stimulus, such as an ink blot. Projective tests have been in use for about 60 years and continue to be used today. Examples of such tests include the Rorschach test and the Thematic Apperception Test.

The Rorschach Test involves showing an individual a series of note cards with ambiguous ink blots on them. The individual being tested is asked to provide interpretations of the blots on the cards by stating everything that the ink blot may resemble based on their personal interpretation. The therapist then analyzes their responses. Rules for scoring the test have been covered in manuals that cover a wide variety of characteristics such as content, originality of response, location of "perceived images" and several other factors. Using these specific scoring methods, the therapist will then attempt to relate test responses to attributes of the individual's personality and their unique characteristics.[51] The idea is that unconscious needs will come out in the person's response, e.g. an aggressive person may see images of destruction.
gold trading strategy


The Thematic Apperception Test (TAT) involves presenting individuals with vague pictures/scenes and asking them to tell a story based on what they see. Common examples of these "scenes" include images that may suggest family relationships or specific situations, such as a father and son or a man and a woman in a bedroom.[52] Responses are analyzed for common themes. Responses unique to an individual are theoretically meant to indicate underlying thoughts, processes, and potentially conflicts present within the individual. Responses are believed to be directly linked to unconscious motives. There is very little empirical evidence available to support these methods.[53]

Objective tests assume personality is consciously accessible and that it can be measured by self-report questionnaires. Research on psychological assessment has generally found objective tests to be more valid and reliable than projective tests. Critics have pointed to the Forer effect to suggest some of these appear to be more accurate and discriminating than they really are. Issues with these tests include false reporting because there is no way to tell if an individual is answering a question honestly or accurately.
توصيات الاسهم الامريكية


The Myers-Briggs Type Indicator (also known as the MBTI) is self-reporting questionnaire based on Carl Jung's Type theory.[54][12] However, the MBTI modified Jung's theory into their own by disregarding certain processes held in the unconscious mind and the impact these have on personality.

Personality theory assessment criteria
Verifiability – the theory should be formulated in such a way that the concepts, suggestions and hypotheses involved in it are defined clearly and unambiguously, and logically related to each other.
Heuristic value – to what extent the theory stimulates scientists to conduct further research.
Internal consistency – the theory should be free from internal contradictions.
Economy – the fewer concepts and assumptions required by the theory to explain any phenomenon, the better it is Hjelle, Larry (1992). Personality Theories: Basic Assumptions, Research, and Applications.
Psychology has traditionally defined personality through its behavioral patterns, and more recently with neuroscientific studies of the brain. In recent years, some psychologists have turned to the study of inner experiences for insight into personality as well as individuality. Inner experiences are the thoughts and feelings to an immediate phenomenon. Another term used to define inner experiences is qualia. Being able to understand inner experiences assists in understanding how humans behave, act, and respond. Defining personality using inner experiences has been expanding due to the fact that solely relying on behavioral principles to explain one's character may seem incomplete. Behavioral methods allow the subject to be observed by an observer, whereas with inner experiences the subject is its own observer
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Methods measuring inner experience
Descriptive experience sampling (DES): Developed by psychologist Russel Hurlburt. This is an idiographic method that is used to help examine inner experiences. This method relies on an introspective technique that allows an individual's inner experiences and characteristics to be described and measured. A beep notifies the subject to record their experience at that exact moment and 24 hours later an interview is given based on all the experiences recorded. DES has been used in subjects that have been diagnosed with schizophrenia and depression. It has also been crucial to studying the inner experiences of those who have been diagnosed with common psychiatric diseases.
https://www.gold-pattern.com/en

Articulated thoughts in stimulated situations (ATSS): ATSS is a

How Trends Work
Traders can identify a trend using various forms of technical analysis, including trendlines, price action, and technical indicators. For example, trendlines might show the direction of a trend while the relative strength index (RSI) is designed to show the strength of a trend at any given point in time.
An uptrend is marked by an overall increase in price. Nothing moves straight up for long, so there will always be oscillations, but the overall direction needs to be higher in order for it to be considered an uptrend. Recent swing lows should be above prior swing lows, and the same goes for swing highs. Once this structure starts to break down, the uptrend could be losing steam or reversing into a downtrend. Downtrends are composed of lower swing lows and lower swing highs.
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While the trend is up, traders may assume it will continue until there is evidence that points to the contrary. Such evidence could include lower swing lows or highs, the price breaking below a trendline, or technical indicators turning bearish. While the trend is up, traders focus on buying, attempting to profit from a continued price rise.
gold signals

When the trend turns down, traders focus more on selling or shorting, attempting to minimize losses or profit from the price decline. Most (not all) downtrends do reverse at some point, so as the price continues to decline, more traders begin to see the price as a bargain and step in to buy. This could lead to the emergence of an uptrend again.
Trends may also be used by investors focused on fundamental analysis. This form of analysis looks at changes in revenue, earnings, or other business or economic metrics. For example, fundamental analysts may look for trends in earnings per share and revenue growth. If earnings have grown for the past four quarters, this represents a positive trend. However, if earnings have declined for the past four quarters, it represents a negative trend.
The lack of a trend—that is, a period of time where there is little overall upward or downward progress—is called a range or trendless period.
Using Trendlines
A common way to identify trends is using trendlines, which connect a series of highs (downtrend) or lows (uptrend). Uptrends connect a series of higher lows, creating a support level for future price movements. Downtrends connect a series of lower highs, creating a resistance level for future price movements. In addition to support and resistance, these trendlines show the overall direction of the trend.
While trendlines do a good job of showing overall direction, they will often need to be redrawn. For example, during an uptrend, the price may fall below the trendline, yet this doesn't necessarily mean the trend is over. The price may move below the trendline and then continue rising. In such an event, the trendline may need to be redrawn to reflect the new price action.
gold trading strategy

Trendlines should not be relied on exclusively to determine the trend. Most professionals also tend to look at price action and other technical indicators to help determine if a trend is ending or not. In the example above, a drop below the trendline isn't necessarily a sell signal, but if the price also drops below a prior swing low and/or technical indicators are turning bearish, then it might be.
Example of a Trend and Trendline
The following chart shows a rising trendline along with an RSI reading that suggests a strong trend. While the price is oscillating, the overall progress is to the upside.
The rising trend begins to lose momentum and selling pressure kicks in. The RSI falls below 70, followed by a very large down candle that takes the price to the trendline. The move lower was confirmed the next day when the price gapped below the trendline. These signals could have been used to exit long positions as there was evidence that the trend was turning. Short trades could have also been initiated.
https://www.gold-pattern.com/en
As the price moves lower, it starts to attract buyers interested in the lower price. Another trendline (not shown) could also be drawn along the falling price to indicate when a bounce may be coming. That trendline would be have been penetrated near the middle of February as the price made a quick v-bottom and progressed higher.

בן חמישים ושמונה. קרן פנסיה מבטחים ותיקה. מעונין לרדת ל75% משרה. ולהעלות את הפרש ההפקדה החדשית (25%) למבטחים על חשבוני.

האם תהיה לכך משמעות על הפנסיה?

תודה.

atrade

פרסומת

שץ(אנונימי) דקה 1 ago 0 Comments
אני בן 78 ועדיין עובד וברשותי פוליסת מגדלור מ 2006.
מגדל פנו אלי והציעו שאתחיל למשוך קצבה, לפני שאפסיד זכויותיי והצבירה תהפוך לריסק ולמשיכה עי הירשים במותי.
שאלותיי,
1. האם אפשר פדיון מלא של הצבירה שנחסכה בניכוי מס( 35%)?

2. האם אורשה למשוך את רכיב הפיצויים באופן הוני?

3.האם יש אפשרות להיוון הקצבאות מהתגמולים ולמשוך כסכום ח"פ?

אני מקבלת גמלה מביטוח מנהלים קרן י' עדיף שהונפקה ב- 1994.
בדו"ח האוצר ראיתי שהתשואה בפוליסה מ 12/2007 עד 2/2018
היתה 67.46% ואילו הגמלה עלתה באותה תקופה בכ- 14%.
האם פער של 53.5% הוא סביר?

תודה.

אני מקבלת גמלה מביטוח מנהלים קרן י' עדיף שהונפקה ב- 1994.
בדו"ח האוצר ראיתי שהתשואה בפוליסה מ 12/2007 עד 2/2018
היתה 67.46% ואילו הגמלה עלתה באותה תקופה בכ- 14%.
האם פער של 53.5% הוא סביר?

תודה.

שלום רב,

בגיל 67 הסכום המשוער בקרן הפנסיה שלי, מבטחים וותיקה. יעמוד על כ – 373,000
האם כדאי לי לקבל את הפנסיה כמו כולם בהגיעי לגיל 67 , או למשוך את הסכום המלא (כולל כספי פיצויים ותגמולים)?

אני שואל כיוון שבהגיעי לגיל הפרישה, יישאר חלק לא קטן מהמשכנתא שלא כיסיתי.

תודה רבה.

שלום,
לאחרונה שמתי לב לשיווק מאסיבי של תוכניות הפרוגמל של מיטב דש. על פניו זה נראה כמו תחליף לביטוח מנהלים רק שהרבה יותר זול. אשמח לשמוע את חוות דעתך בעניין שכן הם מציעים לי ולכל הקולגות שלי לעזוב את קרן הפנסיה שלנו ולהצטרף לפרוגמל בתנאים של 2% ו, 0.25%

לכל מאן דבעי ,

יש לי קרן פעילה במנורה מבטחים ולאחר שנתיים של הסדר ריסק ,
עברתי להפקדות עצמאיות על סך 500 ש"ח , כאמור זה הפתרון היחיד לשמירה על המשך זכויותיי ועל הכיסוי הביטוחי שלי בעתיד .
*עד אשר אתחיל עבודה חדשה והמעסיק יחל להפקיד לאחר שלושה חודשים .

רציתי לדעת האם קיים הבדל בין ביצוע הפעולה הנ"ל עם סוכן או משווק פנסיוני ?

שלום רב,

לאחרונה בדקתי את הדוחות השנתיים של חברת הביטוח לתשלומי התגמולים והפנסיה וגיליתי כי פירוט הסכומים בכל אחד מהסעיפים (תגמולי עובד 5%, מעביד 5%, פיצויים 8.33% ואובדן כושר עבודה 1.66% אינם תואמים ומופיעים סכומים שונים בכל אחד מהסעיפים.
סוכנות הביטוח והמעסיק אמרו לי כי הסכומים בכל אחד מהסעיפים לא רלוונטיים וכי כל הסעיפים מהווים קופת חיסכון אחד ולכן זה חסר משמעות.
חברת הביטוח בו מתנהלת הפנסיה סירבה לענות לי והפנתה אותי לסוכן.
ההיגיון שלי אומר שאם נקבעו אחוזים מסויימים הרי שהם בעלי משמעות ולא ייתכן שבסעיף אחד יהיה סכום גבוה יותר ובאחר נמוך יותר.
אודה לתשובתכם אם אומנם יש משמעות לחלוקה מדוייקת של הסכומים לפי האחוזים מהשכר ולא לסכום הכללי ואם כן - מה המשמעות (שיש פחות מדי או יותר מדי בכל אחד מהסעיפים).
לצערי אין לי ממי לקבל תשובה אמינה ומוסמכת.
תודה

שלום, פניתי לגוף פנסיוני לצורך התקשרות ישירה ללא סוכן פנסיוני על מנת להוזיל את עמלות הניהול אך נענתי שהם עובדים באמצעות סוכן פנסיוני ובמידה וארצה לעבוד מולם ללא סוכן דמי הניהול יהיו המירביים ע"פ חוק. האם ניתן להוזיל בדרך אחרת את דמי הניהול ולפטר את הסוכן? (כרגע אני לא מעוניין בקרן פנסיה ברירת מחדל)

שלום
אמא שלי בת 60
במשך 3 שנים האחרונות היתה בחל"ת ממקום עבודתה עקב
אובדן כושר עבודה

רופא התעסוקה קבע כי היא אינה יכולה לחזור לתפקידה במקום העבודה
והנחה למצות עימה את התנאים המגיעים לה
היא קיבלה מכתב מהמעסיק על סיום העסקה
ללא הודעה מוקדמת וללא שימוע.

במקביל מול חברת הביטוח נמסר לה שבהגיעה לגיל 60 פג ביטוח אובדן כושר עבודה והיא זכאית לפנסיית זקנה
האם הדבר תקין? בהתחשב שגיל הפרישה עומד על 64?


מה עושים במצב שכזה?

שלום,

ברצוני לדעת בתור מעסיקה של מטפלת בבית מהי חובת ההפרשה לפנסיה על פי חוק
למיטב ידיעתי רק אם למטפלת ישנה קופת פנסיה פעילה אני צריכה להפריש לאחר 3 חודשים רטרואקטיבית, במידה ואין לה קופה או לחילופין הקופה לא פעילה אני חייבת להפריש לאחר חצי שנה ולא באופן רטרואקטיבי
האם הרשום מעלה נכון? בנוסף איך אני מוודאת אם הקופה שיש לה פעילה או לא? לפי סטטוס באישור תקופתי של הקופה?

בתודה מראש

היי,
אשמח אם תוכלו לעזור לי בכמה שאלות:
אני בן 28, ומעוניין לפתוח או להמשיך קרן פנסיה וביטוח מנהלים.
1. ראיתי שהמלצתם להפקיד כמה שניתן לקרן פנסיה ואת היתרה לביטוח מנהלים. להבנתי יש מגבלה של הפקדה לקרן פנסיה. האם אני יכול לפצל את היתרה לקרן פנסיה נוספת במקום ביטוח מנהלים? אם כן, למה לא לבצע את זה?
מה המגבלה?

2. במידה ולפני חמש שנים הייתה לי קרן פנסיה קודמת שכבר אינה פעילה, האם אני יכול להחיות אותה מחדש ולהמשיך להפקיד לתוכה?
במידה וכן, האם יהיה לזה יתרון מבחינת מקדם? יתרונות בכלל?

3. ישנם את הקרנות פנסיה החדשות של ברירת המחדל (לדוגמה מיטב דש) עם דמי ניהול ודמי צבירה מאוד נמוכים. מה דעתכם עליהם? האם עדיף ללכת על קרנות וותיקות יותר עם דמי ניהול גבוהים יותר?

תודה, שבת שלום וחג שמח!
גיא

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