Roli i mjeteve financiare që ndikojnë në fondet private të pensioneve
Analysis of the financial assets which impacts the development of the Private Pensions Fund

Summary/Abstract: Private Pension funds are institutions that represent a structure and build long-term savings schemes based on collective accumulation of free capital. As such, they compete in the creation of capital through interest rate to offer investors and encourage investments in financial instruments like bonds or securities representing a major source of investment to secure more lucrative projects, aiming at preserving and creating an efficient portfolio. Currently there is a banking market, which functions as the primary and secondary market for domestic debt titles (bonds). In this market, and Private Pension Funds, for capital to collect, provide much higher rate of profit. On the other hand, to meet the profit rate, capital collected re-invest in activities with efficient investment portfolio. Pension Funds and Investment originally collected invest capital in the financial instruments provided by the Albanian market today: deposits, treasury bills, real estate, Investing in Foreign Currency, Loans, Savings and Credit Society in fee; Shares private businesses; credit to businesses or individuals. Developments policies of Private Pension Funds enable to each individual choose to invest in the Fund and make regular payments. In addition, employers may also pay contributions on behalf of their employees. Alternatives offered by the Pension Fund enables each individual to invest in order to secure its future. State personal account when the pension benefit is determined on the basis of the amount of contributions paid, the duration of the period of investment and fund investment performance. The involvement of individuals in private insurance scheme is contingent upon completion of pension reforms in the economic field. In our country currently are licensed by the FSA (Financial Supervisory Authority) and operate their 3 (three), a voluntary private pension funds that operate wholly-owned Albanian: Pensions RAIFFEISEN JSC “Capital”, “SIGMA IPP “and included in the third column and the pension system is voluntary

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