Monthly Contribution Payment and Monthly Benefit Based on Contribution Years

In this option, the years of monthly contribution payments are equal to the years of receiving the monthly pension benefit.

Example:

A monthly contribution of 10,000 lek for 20 years, with a benefit of approximately 27,000 lek per month for 20 years, receiving a return from the investment of around 4,000,000 lek.

The return rate from the investment is variable depending on market conditions and does not guarantee future outcomes.

In the above calculations, an average rate of 4% is considered (the average return of the investment over the years).

Monthly Contribution Payment and Monthly Pension Benefit for 10-15-20 Years

In this option, the years of pension benefit are predetermined by the member, for 10-15-20 years.

Example:

A monthly contribution of 3,000 lek invested in the SIGAL Pension Fund for 25 years results in the following pension benefits: For 10 years, approximately 19,000 lek per month, For 15 years, approximately 14,100 lek per month, For 25 years, approximately 11,000 lek per month.

The return rate from the investment is variable depending on market conditions and does not guarantee future outcomes.

In the above calculations, an average rate of 4% is considered (the average return of the investment over the years).

Monthly Payment with a Fixed Amount and Immediate Benefit

This option offers monthly contribution payments and immediate asset benefits at retirement age.

Example:

A monthly contribution of 10,000 lek for 15 years results in approximately 2,600,000 lek after 15 years, with 800,000 lek being profit. This example is for individuals who plan to retire in 15 years. For someone who plans to retire in 30 years, the example is as follows: A monthly contribution of 5,000 lek for 30 years results in approximately 4,000,000 lek, of which the investment profit is around 2,000,000 lek.

The return rate from the investment is variable depending on market conditions and does not guarantee future outcomes.

In the above calculations, an average rate of 4% is considered (the average return of the investment over the years).

Immediate Payment and Monthly Pension

In this option, the investment period is equal to the period of receiving the monthly pension benefit.

This product offers immediate contribution payments and monthly pension benefits based on the number of years. The investment phase is equal to the phase of receiving the monthly pension benefit.

Example:

An immediate contribution (lump sum) of 2,000,000 lek, with the member receiving a monthly pension (after 20 years of investment) of approximately 36,000 lek for 20 years, and the investment profit in this case being around 6,640,000 lek.

The return rate from the investment is variable depending on market conditions and does not guarantee future outcomes.

In the above calculations, an average rate of 4% is considered (the average return of the investment over the years).

Immediate Contribution Payments and Immediate Benefit

In this option, the member deposits a specific amount and chooses to withdraw it immediately at retirement age. This product offers immediate contribution payments by purchasing previous insurance periods and immediate benefits according to the years of investment.

Example:

Let’s take an immediate deposit of 5,000,000 lek, invested for 15 years. After 15 years, the amount grows from the investment in the fund to approximately 10,000,000 lek, meaning the profit is around 5,000,000 lek.

The return rate from the investment is variable depending on market conditions and does not guarantee future outcomes.

In the above calculations, an average rate of 4% is considered (the average return of the investment over the years).

Immediate payment accompanied by monthly contributions and monthly pension benefits.

The member, in addition to the immediate deposit, chooses to contribute on a monthly basis. This is called a combined product and offers immediate payments by purchasing previous insurance periods + monthly payments and immediate benefits or a monthly pension for 10-15 years. This product is more recommended for people aged 50 and over who don't have much time for investment and thus buy previous periods.

Example:

Immediate contribution of 1,000,000 ALL + monthly contribution of about 10,000 ALL per month for 10 years of investment can receive an immediate benefit of about 3,200,000 ALL or in the form of a pension for 10 years, about 34,000 ALL per month.

The return rate from the investment is variable depending on market conditions and does not guarantee future outcomes.

In the above calculations, an average rate of 4% is considered (the average return of the investment over the years).

Immediate payment of contributions and monthly pension according to the years.

In this option, the member who is of pension age deposits an immediate amount and chooses to receive a monthly pension, while the remaining assets in the account continue to be invested. This is recommended for individuals close to retirement age who do not have time for further investment. Directly after the deposit, they begin receiving the pension.

Example:

Immediate contribution of 3,000,000 ALL, and the pensioner receives a monthly pension of about 23,800 ALL per month for 15 years. The profit from this investment is around 1,284,000 ALL.

The return rate from the investment of the Fund's assets is variable depending on market conditions.

The return rate from the investment is variable depending on market conditions and does not guarantee future outcomes.

In the above calculations, an average rate of 4% is considered (the average return of the investment over the years).

Bonus for Members

What makes the SIGAL Voluntary Pension Fund special is that for the members of the SIGAL Voluntary Pension Fund, the Managing Company, together with the parent company SIGAL UNIQA, offers additional services (as long as you are a member of the fund) as follows: