არჩევის ვადა 6 სექტემბერს იწურება – რას ნიშნავს საპენსიო დანაზოგის სამი პორტფელი?
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moqalaqeebs 2023 wlis 6 seqtembris CaTvliT aqvT vada, raTa TavianTi sapensio danazogi maTTvis sasurvel romelime portfelSi gadaitanon, an gadaanawilon ramdenimeSi (or-sam portfelSi).
SegaxsenebT, rom 6 agvistodan sapensio aqtivebis investireba sam gansxvavebuli riskianobisa da mosalodneli Semosavlianobis mqone sainvesticio portfelSia SesaZlebeli. aqamde arsebul mxolod naklebriskian portfels daemata saSualo da maRalriskiani modelebi. moqalaqeebi maT Soris arCevanis gakeTebis TavisuflebiT sargebloben. gadawyvetilebis miRebisTvis kanoniT dadgenili 30-dRiani vadis amowurvis Semdeg, mimdinare wlis 7 seqtembridan, sapensio sqemaSi monawile pirebis sapensio aqtivebi da momavali sapensio Senatanebi avtomaturad gadanawildeba Semdegi principiT: 40 wlamde asakis monawilis sapensio aqtivebi da momavali sapensio Senatanebi srulad ganTavsdeba maRalriskian sainvesticio portfelSi; 40-dan 50 wlamde -saSualoriskian sainvesticio portfelSi; 50 weli an 50-ze meti wlis – naklebriskian sainvesticio portfelSi.
sapensio saagento aseve dasZens, rom moqalaqeebs nebismier dros SeuZliaT, srulad an nawilobriv Secvalon arCeuli sainvesticio portfeli/maTi kombinacia, Tuki cvlilebebs Soris periodi aranakleb 12 Tve iqneba.
am gadawyetilebas moqalaqeTa nawili skeptikurad Sexvda. `biznesisa da turizmis saerTaSoriso centris~ viceprezidenti arCil doliZe miiCnevs, rom idea sainteresoa, magram Seicavs racionalur riskebs. `rogorc gavige, sapensio fondi unda Caidos transnacionaluri kompaniebis aqciebSi! idea sainteresoa, magram Seicavs racionalur riskebs. iqidan gamomdinare, rom arcerT sajaro institucias ara aqvs moraluri ufleba, riskis qveS daayenos qveynis mosaxleoba, amitom idea aralegitimuria.
mTavrobas vurCev ivaWron sabanko produqtebiT. dayaviT mTliani qeisi 50/100/150/250-milioniani nominalis blokebad da gayideT es bi el si.
es procesi gamoricxavs yvelanair samarTlebvriv, ekonomikur da reputaciul riskebs. moZebneT msxvili treideri da mieciT SBLC programebisTvis, lizingiT mieciT. fuli saqarTvelodan ar gava, qarTul komerciul bankebSi daiblokeba. Tu ver xvdebiT, raze vsaubrob, mogviwvieT da movalT ramdenime specialisti. Imedia, vinme waikiTxavs saagentodan, an vinme miutans am informacias~, – aRniSnavs arCil doliZe.
dRes, moaxloebuli cvlilebis fonze, sapensio saagentos warmomadgenlebma erovnul bankSi Sexvedra gamarTes. uwyebis xelmZRvanelma goga meliqiZem isaubra sapensio saagentos sainvesticio procesebsa da im sam portfelze, romelSic jer avtomaturad gadanawildnen damzogvelebi, xolo 6 seqtembramde aqvT ufleba, Tavad miiRon gadawyvetileba, romel sainvesticio portfelSi daabandeben TavianT sapensio danazogs. `gvsurs, ganvmartoT, rom Cven maRali riskis portfels vuwodebT mzard portfels, radgan masSi sapensio danazogis ganTavseba grZelvadian periodSi damatebiTi mogebis miRebis saukeTeso SesaZleblobaa. aRniSnuli mzardi (maRalriskiani) portfeli gulisxmobs monawileebis danazogebis 55 procentis dolarSi investirebas, maT Soris, iseTi kompaniebis aqciebSi, rogorebicaa: `eifli~, `samsungi~, `nestle~, `toiota~, `gugli~, `lui vitoni~ da a.S. sapensio aqciebi iqneba gadanawilebuli aTasobiT sxvadasxva kompaniaSi da sxvadasxva regionis doneze (aSS, evropis ganviTarebuli qveynebi, kanada, avstralia, aziis ganviTarebuli qveynebi da laTinuri amerikis msxvili qveynebi). amavdroulad, mzard portfelSi iqneba qarTuli saxazino obligaciebi da qarTuli sabanko depozitebi portfelis 45 procentiT. unda aRiniSnos, rom monawileebis danazogebi ara mxolod am sainvesticio portfelebis doneze, aramed saqarTvelos kanoniT regulirdeba. sapensio danazogebs marTavs kvalificiuri da damoukidebeli sainvesticio sabWo da mas zedamxedvelobs da regulirebas uwevs erovnuli banki~, – ganacxada goga meliqiZem.
misive TqmiT, sapensio saagentos saqmianobis erT-erTi mTavari mizani sapensio danazogebis efeqtiani marTva, dacva da monawileebis interesebis mixedviT maTi dabandebaa.
`swored am mizniT da kanoniT gaTvaliswinebuli vadebis Sesabamisad sapensio saagentom monawileebs maTi danazogebis maqsimaluri zrdisTvis, saerTaSoriso standartiT gansazRvruli sapensio aqtivebis ganawileba SesTavaza da amasTan, sruli Tavisufleba misca sainvesticio portfelebis SerCevisTvis. Sesabamisad, sapensio sqemis monawileebs ukve aqvT SesaZlebloba, Tavad mimarTon sakuTari danazogebi iseT sainvesticio portfelebSi, saidanac kidev ufro met sargebels miiReben da amaSi sapensio saagento mudmivad gauwevs mxardaWeras~, – ganacxada meliqiZem.
misive TqmiT, am dromde sainvesticio samsaxurma 680 milioni laris sainvesticio mogeba ukve daaricxa moqalaqeTa Senatanebs, rac 52%-s warmoadgens da inflaciis gaTvaliswinebiT, analogiur periodze momgebianobam 12 procents gadaaWarba. ukve gacemulia 5,000-mde monawileze 13 mln larze meti pensia.