{"id":1103,"date":"2020-09-14T16:06:13","date_gmt":"2020-09-14T16:06:13","guid":{"rendered":"https:\/\/new.fondisigal.com.al\/?page_id=1103"},"modified":"2025-02-03T14:37:03","modified_gmt":"2025-02-03T14:37:03","slug":"pyetje-te-shpeshta","status":"publish","type":"page","link":"https:\/\/fondisigal.com.al\/en\/pyetje-te-shpeshta\/","title":{"rendered":"FAQ"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:80px;--awb-padding-bottom:80px;--awb-padding-top-medium:60px;--awb-padding-bottom-medium:60px;--awb-padding-top-small:20px;--awb-padding-bottom-small:60px;--awb-background-color:#f9fafb;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1310.4px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:20px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:20px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e8ebef;--awb-divider-hover-color:#e8ebef;--awb-icon-color:#ffffff;--awb-title-color:#023a51;--awb-content-color:#59667d;--awb-icon-box-color:#212934;--awb-toggle-hover-accent-color:#0097e3;--awb-title-font-family:&quot;Manrope&quot;;--awb-title-font-weight:700;--awb-title-font-style:normal;--awb-title-font-size:24px;--awb-content-font-family:&quot;Manrope&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1103-1\"><div class=\"fusion-panel panel-default panel-cb7f1f0e508d1ffd5 fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_cb7f1f0e508d1ffd5\"><a class=\"active\" aria-expanded=\"true\" aria-controls=\"cb7f1f0e508d1ffd5\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#cb7f1f0e508d1ffd5\" href=\"#cb7f1f0e508d1ffd5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">For whom is the SIGAL Private Pension suitable?<\/span><\/a><\/h4><\/div><div id=\"cb7f1f0e508d1ffd5\" class=\"panel-collapse collapse in\" aria-labelledby=\"toggle_cb7f1f0e508d1ffd5\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Private pension is recommended for everyone, as there will come a day when we will all need a pension in our old age. By saving from our youth and throughout our working life, we can provide ourselves with additional income in our old age and thus not become a burden on our children or other family members. Everyone can contribute as there is no age limit until reaching retirement age.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-b763d4b60ec12e42d fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b763d4b60ec12e42d\"><a aria-expanded=\"false\" aria-controls=\"b763d4b60ec12e42d\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#b763d4b60ec12e42d\" href=\"#b763d4b60ec12e42d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What does the SIGAL Pension Fund offer?<\/span><\/a><\/h4><\/div><div id=\"b763d4b60ec12e42d\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_b763d4b60ec12e42d\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Based on legal provisions, the SIGAL Private Pension Fund offers:<\/p>\n<ul>\n<li>Old age pension, when you reach retirement age according to the State Social Security Law. In this case, you determine the amount of your pension and the time of its withdrawal;<\/li>\n<li>Early retirement, 5 years before reaching retirement age according to the Insurance Law<\/li>\n<li>State Social;<\/li>\n<li>Disability pension in case of illness or accident;<\/li>\n<li>Family pension in case of disaster;<\/li>\n<li>Unwithdrawn amounts are always the property of the heirs.<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-4c9ba384d2ec13da7 fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_4c9ba384d2ec13da7\"><a aria-expanded=\"false\" aria-controls=\"4c9ba384d2ec13da7\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#4c9ba384d2ec13da7\" href=\"#4c9ba384d2ec13da7\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Why join the SIGAL Pension Fund?<\/span><\/a><\/h4><\/div><div id=\"4c9ba384d2ec13da7\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_4c9ba384d2ec13da7\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The private pension system has the following advantages:<\/p>\n<p>\u2013 Offers benefits under more favorable conditions of age and seniority in employment;<\/p>\n<p>\u2013 Offers greater benefits than state schemes;<\/p>\n<p>It has a very favorable fiscal system, where:<\/p>\n<ul>\n<li>The contribution is deducted from his personal income for tax purposes;<\/li>\n<li>The profit realized from the investment of assets is not subject to tax;<\/li>\n<li>Contributions made by the employer and any other contributor, in the name and on behalf of a member of a pension fund, are not, for fiscal purposes, considered as the member's personal income;<\/li>\n<li>The contribution made by each member of a pension fund is deducted from his personal income for tax purposes.<\/li>\n<li>Investment returns, including capital gains from investments made with pension fund assets, are not subject to tax, neither for the pension fund itself nor for the management company.<\/li>\n<li>Contributions made by the employer and any other contributor, in the name and on behalf of a member of a pension fund, are not, for fiscal purposes, considered as the member's personal income;<\/li>\n<li>The maximum monthly limit for tax benefits is up to the nationally approved minimum wage level.<\/li>\n<li>There is an advantage with bank deposits;<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d879865de7ebdef3d fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d879865de7ebdef3d\"><a aria-expanded=\"false\" aria-controls=\"d879865de7ebdef3d\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#d879865de7ebdef3d\" href=\"#d879865de7ebdef3d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How can we join the SIGAL Pension Fund?<\/span><\/a><\/h4><\/div><div id=\"d879865de7ebdef3d\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_d879865de7ebdef3d\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>It's simple - a desire that is accompanied by a contractual relationship where the monthly amount and the number of years of contributions are determined, an individual account is opened where all amounts are invested, interest is collected that is added to the contributions, reinvestment continues, and such a chain of actions guarantees a satisfactory pension that you have created yourself.<\/p>\n<p>All persons can join the SIGAL Pension Fund, regardless of age, location, employment, and contribution amount.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-98496e9b9499d133f fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_98496e9b9499d133f\"><a aria-expanded=\"false\" aria-controls=\"98496e9b9499d133f\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#98496e9b9499d133f\" href=\"#98496e9b9499d133f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How are Private Pension contributions paid?<\/span><\/a><\/h4><\/div><div id=\"98496e9b9499d133f\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_98496e9b9499d133f\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<ul>\n<li>The pension contribution can be paid on a monthly, quarterly, semi-annual, and annual basis, directly to the Fund's bank account.<\/li>\n<li>The pension contribution can also be paid as a lump sum.<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-1a907a24f82e41831 fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_1a907a24f82e41831\"><a aria-expanded=\"false\" aria-controls=\"1a907a24f82e41831\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#1a907a24f82e41831\" href=\"#1a907a24f82e41831\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How much should I pay?<\/span><\/a><\/h4><\/div><div id=\"1a907a24f82e41831\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_1a907a24f82e41831\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: justify;\">As much as you want, the minimum contribution amount starts from 1,000 lek per month. The earlier the contribution starts, the better the investment and, consequently, the benefit at retirement age. This is clearly seen in the example below:<\/p>\n<p style=\"text-align: justify;\">For 10 years of contribution at 5,000 lek per month, the member benefits from a pension of 8,200 lek for 10 years and the profit from the investment is 384,000 lek, while for 25 years of contribution at 5,000 lek per month, the member benefits from a pension of 17,000 lek for 25 years and the profit from the investment is 2,580,000 lek.<\/p>\n<p style=\"text-align: justify;\">The rate of return in the example is assumed, the return is based on the investment and is calculated annually.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-8d479102867182936 fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_8d479102867182936\"><a aria-expanded=\"false\" aria-controls=\"8d479102867182936\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#8d479102867182936\" href=\"#8d479102867182936\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Can the contribution be changed?<\/span><\/a><\/h4><\/div><div id=\"8d479102867182936\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_8d479102867182936\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: justify;\">Yes, the contribution is variable. You can increase or decrease the contribution throughout the duration of the contract. This means that each member, if he has signed the contract for example with 2,000 lek per month, changes this during membership depending on his financial situation. So, he can contribute with 5,000 lek or he can contribute with 1,000 lek, this change is made without changing the contract, because this functions as his deposit account. The possibility of paying out amounts immediately during the membership period until the moment of reaching retirement age is not excluded.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-02fb3984986bdede2 fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_02fb3984986bdede2\"><a aria-expanded=\"false\" aria-controls=\"02fb3984986bdede2\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#02fb3984986bdede2\" href=\"#02fb3984986bdede2\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What happens to contributions paid to the SIGAL Pension Fund?<\/span><\/a><\/h4><\/div><div id=\"02fb3984986bdede2\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_02fb3984986bdede2\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<ul>\n<li>Contributions paid according to the contract are transferred to the individual account opened at the Depository bank;<\/li>\n<li>Contributions are invested in financial instruments and the profit amount is added to the contributions;<\/li>\n<li>The balance of financial assets in the individual account of the fund member is the sum of individual contributions and investment profit, which represents the ownership share that the member has in the SIGAL Pension Fund.<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-09f010d66d3a6f440 fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_09f010d66d3a6f440\"><a aria-expanded=\"false\" aria-controls=\"09f010d66d3a6f440\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#09f010d66d3a6f440\" href=\"#09f010d66d3a6f440\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What happens to the contributions in case of disability or death?<\/span><\/a><\/h4><\/div><div id=\"09f010d66d3a6f440\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_09f010d66d3a6f440\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<div style=\"text-align: justify;\"><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">In case of illness or accident during the membership period, you benefit <\/span><em style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">pension invaliditeti<\/em><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">, which you receive from the SIGAL Voluntary Pension Fund until the assets in your account are exhausted.<\/span><\/div>\n<div style=\"text-align: justify;\"><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">In the event of the death of the person who invested, the entire remaining amount of contributions, along with interest, is passed on to his family members (the heirs benefit from a <\/span><em style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">family pension<\/em><span style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); font-weight: var(--body_typography-font-weight); letter-spacing: var(--body_typography-letter-spacing);\">).<\/span><\/div>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-229f0d303708b7c64 fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_229f0d303708b7c64\"><a aria-expanded=\"false\" aria-controls=\"229f0d303708b7c64\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#229f0d303708b7c64\" href=\"#229f0d303708b7c64\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What happens if I want to terminate the contract before the deadline?<\/span><\/a><\/h4><\/div><div id=\"229f0d303708b7c64\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_229f0d303708b7c64\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p style=\"text-align: justify;\">In the case of temporary cessation of contributions and resumption of contributions, there is no penalty. While in the case of closing the contract before reaching the early retirement age, the penalty varies according to AFSA regulations depending on the years of membership.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-0c26c0ae34cba5d64 fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_0c26c0ae34cba5d64\"><a aria-expanded=\"false\" aria-controls=\"0c26c0ae34cba5d64\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#0c26c0ae34cba5d64\" href=\"#0c26c0ae34cba5d64\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How are the Fund's assets withdrawn?<\/span><\/a><\/h4><\/div><div id=\"0c26c0ae34cba5d64\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_0c26c0ae34cba5d64\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<div class=\"DVHrxd\">\n<div id=\"ow42\" data-show-delay-ms=\"250\" data-append-to-body=\"true\" data-propagate-tooltip-mouseover-events=\"true\" data-anchor-corner=\"bottom-left\" data-popup-corner=\"top-left\">\n<p>The withdrawal of Pension Fund assets is made:<\/p>\n<ul>\n<li>In periodic form as a pension, determining the pension amount and withdrawal time yourself;<\/li>\n<li>In immediate form;<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-ddc4bc7f3e17903de fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ddc4bc7f3e17903de\"><a aria-expanded=\"false\" aria-controls=\"ddc4bc7f3e17903de\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#ddc4bc7f3e17903de\" href=\"#ddc4bc7f3e17903de\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How can I be informed about the progress of my investment?<\/span><\/a><\/h4><\/div><div id=\"ddc4bc7f3e17903de\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_ddc4bc7f3e17903de\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>SIGAL Private Pension Fund is a transparent, open fund that continuously provides its members with information in real time about the situation of their assets through:<\/p>\n<ul>\n<li>24-hour control over individual member accounts via the website <a href=\"https:\/\/fondisigal.com.al\/en\/\">www.fondisigal.com.al<\/a><\/li>\n<li>written notification once a year of the status of members' net assets and their investments<\/li>\n<li>through the publication on the website of the value of the pension quota<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-b7b021cce565e74ce fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b7b021cce565e74ce\"><a aria-expanded=\"false\" aria-controls=\"b7b021cce565e74ce\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#b7b021cce565e74ce\" href=\"#b7b021cce565e74ce\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What other benefits do I have from membership in the SIGAL Private Pension Fund?<\/span><\/a><\/h4><\/div><div id=\"b7b021cce565e74ce\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_b7b021cce565e74ce\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<div class=\"\" data-block=\"true\" data-editor=\"bn9u8\" data-offset-key=\"9o7lj-0-0\">\n<div class=\"_1mf _1mj\" data-offset-key=\"9o7lj-0-0\"><span data-offset-key=\"9o7lj-0-0\">By joining the SIGAL Voluntary Pension Fund, in addition to your savings that grow with high interest, you also benefit from a 50% bonus at medical clinics:<\/span><\/div>\n<\/div>\n<div class=\"\" data-block=\"true\" data-editor=\"bn9u8\" data-offset-key=\"4p7fe-0-0\">\n<div class=\"_1mf _1mj\" data-offset-key=\"4p7fe-0-0\"><span data-offset-key=\"4p7fe-0-0\">\u2013 Intermedica, for any analysis under 2000 Lek\u00eb<\/span><\/div>\n<\/div>\n<div class=\"\" data-block=\"true\" data-editor=\"bn9u8\" data-offset-key=\"83rrg-0-0\">\n<div class=\"_1mf _1mj\" data-offset-key=\"83rrg-0-0\"><span data-offset-key=\"83rrg-0-0\">\u2013 MultiMedical Center (Paris Municipality) for every analysis and visit<\/span><\/div>\n<\/div>\n<div class=\"\" data-block=\"true\" data-editor=\"bn9u8\" data-offset-key=\"c19i0-0-0\">\n<div class=\"_1mf _1mj\" data-offset-key=\"c19i0-0-0\"><span data-offset-key=\"c19i0-0-0\">\u2013 Swiss Medical Center (Laboratory) for any analysis<\/span><\/div>\n<\/div>\n<div class=\"\" data-block=\"true\" data-editor=\"bn9u8\" data-offset-key=\"1qcle-0-0\">\n<div class=\"_1mf _1mj\" data-offset-key=\"1qcle-0-0\"><span data-offset-key=\"1qcle-0-0\">\u2013 Noval Diagnostic for every analysis<\/span><\/div>\n<\/div>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-bfc4a22299f1797c5 fusion-toggle-has-divider\" style=\"--awb-title-color:#023a51;--awb-content-color:#59667d;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_bfc4a22299f1797c5\"><a aria-expanded=\"false\" aria-controls=\"bfc4a22299f1797c5\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1103-1\" data-target=\"#bfc4a22299f1797c5\" href=\"#bfc4a22299f1797c5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Where can I become a member?<\/span><\/a><\/h4><\/div><div id=\"bfc4a22299f1797c5\" class=\"panel-collapse collapse\" aria-labelledby=\"toggle_bfc4a22299f1797c5\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>To join the SIGAL Private Pension Fund, you can contact:<\/p>\n<ul>\n<li>Near the offices of SIGAL UNIQA INVEST<\/li>\n<li>SIGAL branch network throughout Albania<\/li>\n<li>Online via the official website <a href=\"http:\/\/fondisigal.com.al\/en\/\">www.fondisigal.com.al<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:102px;--awb-padding-bottom:60px;--awb-padding-bottom-medium:32px;--awb-padding-top-small:40px;--awb-padding-bottom-small:40px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1310.4px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_3_4 3_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:75%;--awb-margin-top-large:20px;--awb-spacing-right-large:2.56%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.56%;--awb-width-medium:75%;--awb-spacing-right-medium:2.56%;--awb-margin-bottom-medium:30px;--awb-spacing-left-medium:2.56%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\"><h2 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:48;line-height:1.2;\">Free consultation<\/h2><\/div><div class=\"fusion-text fusion-text-1\" style=\"--awb-content-alignment:center;--awb-font-size:26px;--awb-line-height:36px;\"><p>Call us at <span style=\"color: #2cbc63;\">(355) 44 511 666<\/span><\/p>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-top:32px;--button_margin-bottom:32px;\" target=\"_self\" href=\"\/en\/konsulence\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">REGISTER<\/span><\/a><\/div><div class=\"fusion-text fusion-text-2\" style=\"--awb-content-alignment:center;--awb-font-size:16px;--awb-line-height:28px;\"><p>Take control of your financial future in retirement,<br \/>\nIt has never been so simple before.<br \/>\nWe are here to help you. Contact our advisors:<\/p>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"P\u00ebr cil\u00ebt njer\u00ebz \u00ebsht\u00eb i p\u00ebrshtatsh\u00ebm Pensioni Privat SIGAL? Pensioni  [...]","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-1103","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FONDI SIGAL - Pyetjet m\u00eb t\u00eb Shpeshta<\/title>\n<meta name=\"description\" content=\"Fondi Sigal - Eksploroni pyetjet q\u00eb na b\u00ebjn\u00eb klient\u00ebt si ju dhe m\u00ebsoni se si SIGAL PENSION mund t&#039;ju ndihmoj\u00eb t\u00eb p\u00ebrmbushni q\u00ebllimet tuaja...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fondisigal.com.al\/en\/pyetje-te-shpeshta\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FONDI SIGAL - 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