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SIGAL Pension Fund as the best savings investment opportunity

2026-09-17 10:14:13 / EKONOMI&SOCIALE ALFA PRESS

SIGAL Pension Fund as the best savings investment opportunity

Where would the money saved work better if invested, in the assetization of a rental apartment or as an investment in a pension fund? In this article, we will clearly illustrate the answer. 

If a family, or individual, has saved 7.5 million lek and thinks that the best and easiest form of investment is to buy an apartment to rent out, after this article they will have to think about their choice again. The apartment costs about 15-20 million lek, to fill the difference between the amount saved and the amount needed, a considerable bank financing is needed, in the form of a loan. Is this the best choice? Seeking a financing of 7.5 million-12.5 million lek investment to benefit from 30-40-50-60 thousand lek in rent as income?

Sigurime.Online, the portal specializing in insurance and reinsurance news in the country, gave this message: If you do not have a clear business plan and do not want to take on a large debt, there is another better alternative, investing your savings in a private pension fund. The website also listed the reasons why it is worth it.

If the investment rate of return of the private pension fund SIGAL remains unchanged for the next 10 years: around 4.5%, with a performance that has proven unstoppable improvement over time, an amount of 7.5 million lek could generate around 28–30 thousand lek per month, depending on the payment method and the conditions agreed upon between the client and the fund through a clear and legal contract. Here is the difference with investing in an apartment.

With an apartment that you rent out, income comes with other responsibilities:

· you need to find a tenant,

· you need to manage the contract,

· you have to bear the maintenance,

· you need to plan the necessary repairs

· you need to renew it 2-3 times over a decade

· you need to think about the periods when the apartment may remain empty,

· you have to pay broker commissions

· you must pay the bank loan installments to reach the purchase price of the apartment

· you need to calculate the tax

· annual property tax

· you must insure your property against fire, earthquake and other risks

Then there are other factors, psychological and distracting. You can also face unpleasant situations: tenants who do not pay on time, property damage or difficulties in vacating the apartment. Only in recent days, in the evening humorous-investigative shows on major domestic television channels, we have become acquainted with several such cases. 

With a financial investment of savings in the SIGAL Private Pension Fund, these concerns do not exist. 

Three reasons to think differently about your investment

First, the potential for recurring income

With a rate of return similar to today's, the investment of 7.5 million lek could create a significant monthly income for a certain period. 28-30 thousand lek every month for 10 years at today's rate. This was applied on the current rate of return, for illustrative purposes only; which, of course, can be improved.

Second: savings remain your capital, inalienable and untouchable.

Instead of taking out a large loan to buy an apartment, you use the capital you have already created. At the end of the investment period, according to the terms of the fund, you can withdraw the accumulated capital. The 7.5 million will be there, yours and untouched, inheritable and inalienable.

Third: you can link your savings to health protection, coverage of up to 1 million euros for your health.

SIGAL offers the opportunity to combine investment with the protection of health, the most precious asset we have. Investing in the Fund can be combined with insurance for serious illnesses and treatments with coverage of up to 1 million euros from SIGAL Insurance Group, through the Jetë Plus Care product.

Therefore, investing your savings in the SIGAL Pension Fund is a smarter investment solution than struggling to obtain a financing amount through a loan, in order to assetize a property in the rental market. In this way, your money is kept intact and guarantees any serious health surprises, including facing illnesses that require large expenses: tumor diseases, the need for heart valve replacement, the need for transplants or neurosurgical interventions.

SIGAL Pension Fund  

20 years ago, SIGAL emerged as a pioneer in the private pension market, creating self-capitalizing investment opportunities. Today, SIGAL pays over 35 million lek in current pensions to hundreds of beneficiaries. With over 19 thousand members, the Fund manages over 40 million euros in net assets. Private pension contributions of up to 500 euros per month are tax-free, while the funds remain heritable and inalienable. Find out more directly at the SIGAL Fund link: https://fondisigal.com.al/. 

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