Kusankha thumba la penshioni ndi sitepe ndi sitepe kalozera

Kwa anthu amakono, amene akuda nkhawa akaganizira za tsogolo lawo, ndicho wosavuta akafika zaka zopuma pantchito, pa siteji iyi ya chitukuko chuma chilumba amakhala funso: wotani kasamalidwe gulu kupatsa kusunga ndi Umbombo ndalama zawo? Pakuti tsopano, mwamtheradi, nzika iliyonse ndi ufulu kusankha pa thumba lawo penshioni, kotero kuyankhula, guarantor wa zaka yawo yabwino yakale. Sankhani kukhala osati pakati, mabwana a boma ndi ena a mabungwe, koma mu nkhani ya makonda yachiwiri njira, kusankha okha kwambiri mulingo woyenera NPF.

Kuti musankhe mwanzeru wa thumba penshioni ndi kuti asataye, muyenera kumvetsa bwino lomwe kusiyana Ngopambana boma ndi ena a mabungwe. NPF ndi watsopano ndi kupereka zinthu zabwino kwa yosungirako ndipo kudzikundikira chuma kwa ogula. Komabe, anthu salankhula mabungwe payekha penshioni ndi kumukhulupirira.

Kodi onse ndi ofanana kusankha lamanja la thumba la ndalama za penshoni? The lotsatirali kuperekedwa zonse zofunika kuonetsetsa kuti aliyense bwino zimene woyang'anira bungwe pafupi ndi zambiri zopindulitsa kwa iye.

Sitepe yoyamba ndi kumvetsa kusiyana ndi mfundo za opareshoni, onse ndalama za boma ndi oziyimila paokha penshioni.

Features State wa bungwe yosamalira

Mwatsoka, ndi chitukuko cha chuma masiku ano sindikutsimikiza za chilichonse. Nzika amene pantchito ndalama mu Fund RF penshioni, pa chiopsezo kukhala mu ukalamba ndi penshioni zochepa. chakuti mkulu kufufuma salola kupeza mitengo chidwi pa ndalama. ndalama zonse penshioni anaikizidwa Fund RF penshioni, n'kukhala "VEB". Tikumbukenso kuti dongosolo ndalama si udindo chifukwa chitetezo mu nkhani zomvetsa. Pa nthawi yomweyo, ife tikhoza kunena kuti kupereka ndalama zawo waikamo mu kampani kasamalidwe payekha, ndi kasitomala chitsimikizo mtheradi adzalandira penshioni yabwino. Palibe munthu pambuyo pa zaka zambiri kapena kuti zokakamiza kuti kulipira ndalama analonjeza kuti makasitomala ake, kuphatikizapo thumba payekha penshioni. Kusankha boma thumba penshioni Sikuti kukana kwathunthu. Komabe, lakonzedwa kuti agwire ntchito zofunika kwambiri ndi ntchito.

Kodi analenga NPF?

Cholinga cha kusintha penshioni, chifukwa cha zomwe makampani penshioni adayenera kusunga ndi kuwongola ndalama nzika "- atsogolere ntchito ya RF PF. Iwo apangidwa kutenga ena a mphamvu za boma ndi ndalama mu makampani. Msampha umenewu analola kukonzanso kwa zomveka kwambiri ndalama, zimene zinachititsa kuti mitengo apamwamba chidwi poyerekeza ndi "Vnesheconombank".

Ngati mu ulemu wa Fund RF penshioni, chirichonse chimaonekera ndipo bwino, chifukwa iye ndi nthumwi okha a mtundu wake, zimakhalanso NPF, amene anaonekera zosiyanasiyana kwambiri, pali ambiri mafunso ndi kusamvetsetsana. Choncho, kusankha a thumba penshioni sanali boma ndi zovuta. Musanayambe kulemba fomu yoti kulanda ndalama zawo pa kayendetsedwe ka mmodzi wa NPF, m'pofunika kuti ayanjane ndi mfundo za mabungwe payekha.

Features wa NPF

HIV mbali zofunika kusankha thumba penshioni :

• nzika akhoza kusintha kuchuluka kwa ubwino tsogolo penshioni. Munthu aliyense payekhapayekha ndi munthu mmodzi yokha ndiyo ndalama kuti zaislyaetsya pa thumba penshioni ndi ndalama, motero, wa yokwana ndalama zimene kudzadalira phindu lake tsogolo penshioni. State thumba penshioni sasamalira kuchita zimenezi bwino.
• Chiphaso cha ndalama penshioni kudzera m'njira zosiyanasiyana. Chakuti munthu - ndi kasitomala si boma penshioni bungwe basi amapereka ufulu kulandira penshoni awiri - wawo, komanso boma. Muyenera kumvetsetsa - ufulu nzika suthera nawo chimodzi chokha si boma penshioni bungwe. chiwerengero chawo akhoza kukhala wopandamalire.
• Insurance ndi kusintha zoipa boma penshioni. Pa nthawi imeneyi chitukuko zachuma kukhala bata kwathunthu, ndipo izo zidzakhala ziri mu zaka khumi - ndipo pa mwambiwo. Inde, m'mayiko ambiri ayamba kusintha penshioni, onse omwe amaonjezera zaka zopuma pantchito ndi kuchepetsa penshoni. Choncho, kwa munthu aliyense amakhalabe osadziwika kuchuluka kwa pantchito ndi kuti kaya lidzakhala naye mfundo. kasitomala A kukhala wapadera thumba penshioni, mungathe bwino kwambiri kudziwa kukula kwa penshoni ndi tsiku chiyambi cha malipiro ake.
• Mlandu wa boma. Onse mabungwe payekha penshioni ndi mosamalitsa kumvera malamulo a boma ayenera kukhala ndi ziphatso zonse zofunikira ndi zilolezo ndi malipoti pa zochitika zawo kwa matupi wapadera boma.
• Ubwino msonkho. Dongosolo ŵakwenera anatengera kwa mabungwe amenewa sanali boma penshioni, amapereka yopereka madalitso makasitomala thumba ndi mabwana amene deduct ndalama thumba.
• Ndithu digiri yapamwamba ya chilungamo ntchito. Aliyense wa Fund ali ndi ufulu pa nthawi iliyonse kupeza Tingafinye ku nkhani yake. Komanso kamodzi thumba chaka malipoti awo pa udindo wa nkhaniyo ndi depositor lapansi.

• Pakuika kutsimikiziridwa chuma otetezeka. Private mabungwe penshioni ndi pakuika yekha mu mabungwe audited, mndandanda wa zomwe wavomerezedwa pa mlingo malamulo.
• Yoyenera kulekana ndi kusunga chuma zonse ndalama. The ntchito mabungwe penshioni sanali boma lokhazikitsidwa mwa njira yakuti aliyense ndikupeleka munthu wakumana ndi yeniyeni ntchito wagawo, izo kwambiri zimatithandiza ntchito ya ndodo bungwe, ndi minimizes kuopsa kwa ndalama poyerekezera ndi ntchito za mitundu yonse ya akuba ndi charlatans. Komanso, aliyense chipangizo payekha mlandu wa boma pa ntchito yawo.
• Cholowa kulanda ndalama ndalama. Penshioni thumba makasitomala omwe si a boma ndi mwayi kudziunjikira tinatengera. Choncho, nkhani ya imfa ya mwini ndalama, kuchuluka lonse akhoza kunditumiza ku lotsatira lake la abale.
• Free kutengerapo ndalama kuchokera lina bungwe sanali boma ndi mzake, kapena thumba penshioni boma. Mu chochitika cha zitani zosayembekezereka kapena kwa mawu zolinga patokha Investor ali ndi ufulu kusamutsa ndalama zawo ku thumba lina penshioni kapena kudalira yosungirako awo ndipo kudzikundikira boma m'mikhalidwe operekedwa ndi mgwirizano anamaliza kale.

Fund penshioni: kusankha kampani kasamalidwe

Zedi, chinthu choyamba chimene muyenera kumvetsetsa kusiyana mabungwe a boma ndi ena. Nditaphunzira mfundo zonse pamwamba, nzika iliyonse akhoza wosankha kuuzidwa mumacheza thumba penshioni, ndicho kukhazikitsidwa kwa kukukhulupirirani pa nkhani ya chitetezo akale-msinkhu wake: pagulu kapena pamalo obisika.

Tsopano tiyenera chimatanthauza yeniyeni kasamalidwe kampani. Ngati nzika waganiza akamupatsa ndalama kudziunjikira Fund RF penshioni, mavuto sangakhale pano. Iye ali chimodzi chokha. Ndi ovuta kwambiri kupanga chisankho lamanja la thumba penshioni sanali boma. Ndi zimene ambiri akhoza kulemba ntchito, kodi kusankha wapadera kampani kasamalidwe?

Sitepe ndi sitepe kalozera kusankha NPF

Kusankha gulu payekha adzakhala zigwirizana angapo a muyezo kuvomerezedwa. Aliyense pofunsira ndi zofunika kuzikwaniritsa.

Chaka kukhazikitsidwa kwa bungwe

Akulu bungwe, choncho ndi otetezeka. Akatswiri amalangiza kupereka mmalo ntchito anakhazikitsa mpaka 1998. Izi zikutanthauza kuti anatha bwinobwino apulumuke mavuto 1998 ndi 2008.

oyambitsa

Ndi bwino kupereka mmalo mabungwe linakhazikitsidwa ndi akuluakulu a gawo zachuma. Zimakhala makampani akuluakulu nawo migodi, nthumwi zitsulo, makampani mphamvu. Musadalire kasamalidwe kampani, yemwe walunjika ndi bungwe yaing'ono chuma, munthu kapena makampani ena ang'ono.

profitability

Iwo akhoza kusanthula mu mbiri ya kampani kasamalidwe, amene amagonjera Bank ku Central la Chitaganya cha Russia. Izi ndi zofunika kwambiri kusankha muyezo, amene amasankha kuchuluka kwa ndalama m'tsogolo.

Place mu mlingo

Iwo anapanga mabungwe mlingo pamaziko a deta zokolola, manambala kapena zina i cholinga. Tikumbukenso kuti mlingo wa kutchuka oyang'anira bungwe angakhale osiyana. Choncho m'pofunika kuganizira zinthu palimodzi, ndi kupanga kusankha thumba penshioni sanali boma pa maziko a zodalirika, osati muyezo makamaka.

ndalama otsegula kumapeto

Malinga ndi malamulo Russian, ophunzira kapena gulu angathe NPF zonse zofunika akhale chaulere. Mndandanda deta ameneŵa amapereka wa Chilamulo Federal "Pa ndalama boma penshioni."

Msungidwe mbiri

Luso kufotokoza maganizo ake iliyonse thumba penshioni. Kusankha mbiri ndalama ikuchitika polemba mawu a. Mukhoza kuchita izi mu njira zitatu munthu (kudzera nthumwi), kutumiza imelo kapena akaunti yanu pa Intaneti gwero.

Ming'oma kusankha thumba penshioni

nzika akhoza kusintha kampani kasamalidwe kamodzi pa chaka. Kwa anthu ambiri, funso n'lakuti, pamene iwo anasankha wa thumba penshioni, - zomwe chiwerengero angatanthauze kwa kusintha wa kampani kasamalidwe? Tumizani pempho olembedwa kungakhale 31 December.