Coras pinsean 3 cholun na hEastoine do FIE (fuusilisest isikust ettevotja): ranniocaiochtai, roghanna agus straitéisí optamaithe.
65
Aois scoir
33%
Cain shoisialta eigeantach
15% / 6,000 EUR
Uasmheid asbhaint colun 3
~304 EUR
Pinsean naisiunta iosta
Ta coras pinsean nua-aimseartha, lan-dhigiteach 3 cholun ag an Eastoin, arna bhainistiu ag an Sotsiaalkindlustusamet (Bord Arachain Shoisialaigh).
Sceim roinnte maoinithe ag an gcain shoisialta 33% (20% do phinsin). Braitheann an meid ar bhlianta rannioca agus ioncam dearbhaithe. Ioctar an pinsean naisiunta (rahvapension) ~304 EUR/mi tar eis 15 bliana conaithe.
Eigeantach doibh siud a rugadh o 1983, roghnach do dhaoine eile. Coinnitear 2% den olltuillimh (do fhein-fhostaithe, tri leithdhaileadh cana soisialaigh) agus cuireann an stat 4% leis. Bainistionn cuideachtai bainistiochta priobhaideacha na cistí.
Coigilteas deonach inasbhainte o chain suas le 15% den olltuillimh no 6,000 EUR/bliain (an meid is lu). Ar fail tri chistí pinsean no conarthai arachais saoil.
Iocann fein-fhostaithe Eastoineacha (FIE) 33% cain shoisialta ar ioncam dearbhaithe: 20% do phinsin agus 13% d'arachas slainte. Is e an bonn rannioca iosta an pa iosta naisiunta (~820 EUR/mi in 2024).
| Component | Rate |
|---|---|
| Pension (Pillar 1) | 20% |
| Health insurance | 13% |
| Total social tax | 33% |
Bonn iosta: pa iosta naisiunta (~820 EUR/mi)
Usaid an teorainn asbhainte 15% / 6,000 EUR chun do bhonn canach a laghdú agus coigilteas pinsean taistealach a thogail.
Sula bhfagann tu colun 2, deanm anailís ar thuillimh stairiula do chiste agus cuir i gcomparaid le malairtí pearsanta infheistiochta.
Cruthaionn ioncam os cionn an iosta nios mo ceart i gcolun 1 agus meadaionn se ranniocaiochtai le colun 2.
Dean athbhreithniu iomlán pinsean ag 50 chun do straitéis a choigeartú idir na 3 cholun de reir do chuspóirí.
Is 65 bliain an aois scoir dhlithiuil o 2026. O 2027 beidh si nasctha le hionchais saoil.
Is feidir, o athchoiriu 2021 is feidir colun 2 a fhagail agus cistí carnaithe a tharraingt siar. Ni mholann formhor na saineolaithe e, afach.
Iocann FIE 33% cain shoisialta ar ioncam dearbhaithe (20% pinsean + 13% slainte), le bonn iosta comhionann leis an bpa iosta naisiunta (~820 EUR/mi).
Ta, ta ranniocaiochtai le colun 3 inasbhainte suas le 15% den ollioncam bliantuil no 6,000 EUR (an meid is lu).
Is thart ar 304 EUR/mi an pinsean naisiunta (rahvapension), ar fail tar eis 15 bliana conaithe san Eastoin.
Deanann ar n-ionsamhloir anailís ar do chas FIE agus molann straitéis phearsantaithe chun do phinsean a uasmheadú ar fud na 3 cholun.
Ionsamhlaigh mo phinsean →Gin plean gnolachta gairmiuil iomlan le hinntleacht shaorga.
Dreachtaigh reachta dlithiuil do chuideachta go huathoibrioch le IS.
Meastoigh inmharthanacht do thionscadail le anailisiocht IS pearsantaithe.