Amene kusankha thumba penshioni - boma kapena osakhala boma? The kusintha kwa thumba penshioni

Panthawi nzika amazindikira njakata chimene chiri bwino - boma kapena thumba payekha penshioni? Kodi akadali kusankha? Anthu ndi ena amazipanga wotchuka, zinalembedwa za manyuzipepala, sonyezani TV, kulankhula pa wailesi. Nzika iliyonse munthu ayenera kusankha okha mmene kusankha thumba penshioni - boma kapena osakhala boma. Chigamulo ayenera kukhala anzeru ndiponso ozindikira. Ndipo zimenezi kumathandiza kumvetsa bwino zimene zimapanga munthu ndi gulu lina.

State thumba penshioni

Kukonzanso dongosolo penshioni mu 2002 anayambitsa ambiri mitu. Ndipo tsopano funso mmene kusankha thumba penshioni - boma kapena payekha gawo - chifukwa ambiri udakalipo. Nzika zina komabe anaganiza kusintha kampani kasamalidwe ndi kusunga ndalama chawo chinali cholimba. Pa nthawi imeneyi chitukuko cha chuma, malinga ndi akatswiri ambiri andale, nzika iliyonse, amene apatsidwa ndalama ku thumba penshioni boma, mwina opanda iwo. Ichi ndi chifukwa milingo apamwamba kufufuma mwachibale kwa accrual chidwi kwa wina ndi chaka chatha. ndalama zonse penshioni zimasungidwa mu "Vnesheconombank". Izi bungwe ndalama si udindo zopereka penshioni nzika, mu nkhani ya anakhumudwitsa zomvetsa iliyonse. Anthu ambiri pansi kuyendera maganizo ino anasintha kwa thumba payekha penshioni. Ena zapita ndalama zawo zingapo za mabungwe. Ndipotu, malamulo ameme penshioni nzika ali ndi ufulu kusintha kasamalidwe gulu kamodzi pa chaka.

Koma ngakhale izi, palibe mmodzi mu dziko sangapereke ukutitsimikizira mtheradi kuti mkati zaka zochepa, kapena payekha bungwe penshioni adzalipira ndalama yodalira kwa ogula.

Zimatsimikizira kasamalidwe gulu pagulu

Nawonso Fund RF penshioni nayo imfa ya ntchito zingapo zofunika, akuti:

• Kumalimbikitsa mbiri ya kufika kwa premiums onse;
• Izo zimatengera ndi ndalama yokwana ubwino pantchito munthu aliyense;
• ngati pali zinthu zapadera anapereka amasamalidwa bwino;
• Iwo amakhala ubale wabwino ndi anzawo ntchito;
• adzakhala apereke satifiketi likulu umayi;
• Ndi boma chipani. Program co-ndalama, ndi zina zotero. D.

ndicho kusintha chiyani?

Kuchokera pa zimene takambiranazi, Ndizachidziwikire kuti sanali boma penshioni ndalama analengedwa kuti atsogolere ntchito ya thumba penshioni boma, ndicho kuchepetsa ndalama zawo ndipo anachepetsa osiyanasiyana udindo kwa anthu. Izi njira chanzeru analola amachita ndi Kugawilidwa kwanthaka zambiri zomveka chuma pakati pa kampani kasamalidwe, komanso kuchuluka kuchuluka phindu poyerekeza ndi "Vnesheconombank". Pankhaniyi, kusankha thumba penshioni - boma kapena osakhala boma? Ife adzamvetsa chimake chachiwiri.

Non-boma kasamalidwe gulu

chiwerengero cha mabungwe panthawi imeneyi amamuchititsa osawerengeka. Ngati nzika waganiza kusintha yoyang'anira bungwe motsimikiza, pali funso kwa iye za momwe kusankha thumba penshioni?

Choyamba, muyenera mutidziwe ndi mlingo wotsogolera mabungwe. Iye kungatithandize kudziwa kusankha.

Nduna za ndalama kwambiri sanali boma penshioni abwerere (zimadalira kuti kukula kwa penshioni mtsogolo) kwake tebulo.

Ntchito za ndalama payekha penshioni

mabungwe amenewa munakhazikitsidwa kuti kupanga phindu la bungwe lanu ndi kuonjezera gulu ndalama ndalama thumba chifukwa chiwongola dzanja pachaka. Nayenso phindu ndi ndalama penshioni ali, kumachita monga ndalama makampani kasamalidwe zatulutsidwa mwa kusunga ndalama sheya. mchitidwe Izi zipangitsa mlingo wapamwamba akadzabweranso kasitomala ndi amapereka nthawi mlingo waukulu wa chitetezo ntchito.

Ukutitsimikizira mabungwe penshioni sanali boma

Zoperekedwa anakhumudwitsa zomvetsa malipilo thumba ndi kupereka benefiti kwa makasitomala likuvutika likulu gawo. A "Vnesheconombank" kugawira imfa mwa ndalama zonse. Ndi chiwongola dzanja gulu la mabungwe payekha penshioni ndi apamwamba kuposa mlingo kufufuma kwa dziko. Izi zipangitsa nawonso, ndi penshioni wamakhalidwe pamene mufika zaka zopuma pantchito. Choncho, ngati nzika akadali ndi funso zimene thumba bwino: boma kapena osakhala boma - zikhale mfundo imeneyi. Pali ubwino wina wa mabungwe. Malinga bankirapuse wa thumba payekha penshioni makasitomala onse ndalama atabwerera ku penshioni bungwe. Tinganene - kasitomala sasiya kanthu konse.

Komanso chidwi n'chakuti asanafike zaka pantchito makasitomala kuchuluka kwa pantchito zosiyanasiyana mbali zonsezonse. Choncho, ndalama zilipo mawonekedwe a mpukutu pamodzi kapena kuti apereke kwa ndalama. Ngati kasitomala wamwalira mwadzidzidzi, otsatira a abale ndi ufulu kulandira ndalama otsala chifukwa makasitomala a. Zimenezi chimasiyanitsa payekha bungwe penshioni ya boma, lomwe ndi akuchitapo osati ndizigwirizana.

The kusintha kwa thumba penshioni

Anthu akadziwa ubwino mabungwe payekha penshioni, ndipo anasankha kukhala makasitomala awo, m'pofunika kutsatira ndondomeko izi zochita:

1. Kudziwa kusankha okhazikika mu kuvomerezedwa inshuwalansi penshioni kampani.
2. Chongani kumbali ya zochita za bungwe, akuti: potsatira lamulo, pamaso pa ziphatso ndi kulembetsa ndi Bank wa Central.
3. Perekani kudzacheza kwa bungwe ili pambali ndi cholinga kusaina pangano.
4. Bwinobwino pangano, pomwepo tikupeza mafunso makasitomala onse.

Mgwirizanowo ayenera pofotokoza zinthu zotsatirazi:

• dzina la bungwe, dzina patronymic;
• mawerengedwe chuma yosungirako zinthu ndalama, nawuza kupereka mwachindunji;
• inshuwalansi satifiketi chiwerengero, tsiku ndi malo a kubadwa kwa kasitomala, pansi ake;
• kasitomala udindo ndi thumba;
• chifukwa kudzikundikira ndalama penshioni;
• njira, zikhalidwe za malipiro (kamodzi, mwadzidzidzi);
• aligorivimu kuwalanditsa penshoni ndi ndalama ndi mawu malipiro a yobereka yokha;
• udindo wa makasitomala ndi Fund phunziro kwa kuswa udindo;
• aligorivimu kusokoneza ya mgwirizano;
• zinthu ndondomeko ya Kuthetsa nkani zochimwilana pakati;
• mfundo kasitomala ndi banki.

Only mu kukhalapo kwa zinthu zakumwamba kuti alembe kusintha chomveka.

Only pansi njira zazikulu zomwe ndi udindo kwa funso mmene kusankha thumba penshioni, mukhoza malo omasuka ndi osangalala ukalamba.

Pomaliza

Kuchokera pa zimene takambiranazi, n'zosavuta kuyankha funso mmene kusankha thumba penshioni - boma kapena osakhala boma. yankho ndi lodziwikiratu - njira yachiwiri. Ndipotu ndalama payekha penshioni zambiri za ubwino pa boma. Koma onetsetsani kuti kuganizira kusintha malamulo zikuchitika mu dziko, kuti atsekerezedwa ndi kutha kuti tipindule pazipita.