Inshuwalansi mbali ya penshoni ndi ndalama zolipirira: kodi iwo kuonjezera

Modern Russian dongosolo penshioni lakonzedwa kuti nzika anayamba kuganiza za penshioni m'tsogolo pa chiyambi cha ntchito. Pamsinkhu uwu ndi kale zotheka kuchita chinachake kuti apeze zosowa zawo mu ukalamba. Ndipo ichi muyenera kumvetsa chimene chimapanga penshioni tsogolo lanu malinga ndi lamulo (ndilo maziko, inshuwalansi mbali ya penshioni, ndipo ndi contributory), mmene kuonjezera, kapena m'malo ena gawo la izo. M'pofunika kumvetsa mmene amachotsera ndipo kodi tingatani kuonjezera chiwerengero cha nkhani munthu penshioni.

Kukula kwa penshioni chimadalira osati pa nthawi komanso msinkhu malipiro, komanso zopereka zaufulu (zopereka) kuphatikiza ndalama kuchokera ndalama (ngati inu kupita mu kuchitapo pa kudzikundikira akaunti yanu penshioni).

Penshioni wapangidwa ndi gawo m'munsi, ena mwa inshuwalansi - kuvomerezedwa (inshuwalansi gawo) ndi zina (kudzikundikira zopereka). Inshuwalansi mbali ya penshioni ya chodzala ndi zopereka bwana mu dzina lanu mu Fund penshioni (22% ya malipiro, ndilo za 5 zikwi. Per mwezi). Motalikira amachotsera awa adzapatsidwa, m'pamene kulipira, ndi apamwamba mlingo wa inshuwalansi mbali ya penshioni wanu. Kuti tikwaniritse zotsatira zimenezi, anapatsidwa kuti malipiro a membala a malipiro osachepera, kuli kovuta.

Koma penshioni muyenera kukhala zokwanira osati chakudya, ngongole zofunikira, komanso mankhwala, mphatso kwa achibale ndi phindu lina. Choncho, inshuwalansi mbali ya penshioni popanda kudzikundikira sasamalira moyo wabwinobwino Titamaliza ntchito.

Zina zopereka wantchito kulola mbali ya penshioni tsogolo ndalama zolipirira ndi thandizo lochokera ku boma (premiums ndi kawiri - "1000 ndi 1000"). Wolembedwa ntchito aliyense wakhala analidziwitsa akanatha izi 2010-2011 bwana wawo. Ngati inu simukudziwa momwe nawo wowonjezera dongosolo inshuwalansi penshioni, chonde kufunsira thumba m'dera lanu penshioni. Mpaka October chaka chotsatira (2013) n'zotheka ntchito ku Russian PF kutenga nawo mbali pa pulogalamu ya penshioni co-ndalama. Popeza kulanda malipiro oyamba zaka 10, mukhoza kukhala analembetsa mu pulogalamuyi. Chinthu chachikulu - kuti osachepera 2 zikwi pa chaka thumba penshioni ndi kuchuluka chopereka anali kawiri likuvutika bajeti ..

Komanso, kudzikundikira (inshuwalansi mbali ya penshioni si kuwerenga) akhoza inasamutsidwa kuchoka thumba penshioni patapita zaka 10 ku kampani sanali boma kuti phindu. Sinthani, sitolo ndi kudziunjikira penshioni tsogolo lanu tsopano anapereka mabungwe ambiri (ndalama penshioni, pagulu kapena ayi, komanso makampani). mapulogalamu wofanana mu lalikulu mabungwe mabwana ngati gawo la phukusi chikhalidwe. Msonkhano uliwonse umakhala ndi "kungakupatseni" kutetezedwa kufufuma ndi kukula madipoziti ndalama. Sikuti kutenga mawu a chikhulupiriro, makamaka popeza tikulankhula za tsogolo lanu. Zimene zinachitikira simudzalandira wina kuti tizidalira.

Komano, zilibe kuchita chilichonse - vuto mwina. Samalani ndi kumbukirani, inu nthawi zonse kuletsa mgwirizano ndi kubwerera zopereka, ndi ndalama kwa iwo (ngati n'zotheka amenewa chaperekedwa mgwirizano).

Inshuwalansi mbali ya penshioni ntchito amasiyana ndi chokhala mu oyambirira yaikulu kwa malipiro a penshoni kwa anapuma ena (panopa) mudziwe amakhalabe yekha mmene boma kulipira iwe pamene iwe kupuma. Zolipirira gawo wopanda pake, ndipo amasonkhana. Choncho, kulemekeza mavuto ake kwambiri zimene mumapeza mu ukalamba zingachititse kufufuma.

penshoni inshuwalansi ndi njira yabwino kuchokera mavuto azachuma mu dziko. Wangwiro boma kulanda boma pankhani ya dongosolo penshioni kunali kofunika njira ina zomveka, chifukwa tsopano aliyense, ngati n'koyenera, angathe kuonjezera ndalama zawo pambuyo pantchito kusamalira akalamba. Poyamba n'zosatheka (ngakhale kale ndi penshioni analitu chifukwa cha kusiyana pakati pa anthu antchito ndi anapuma).