"Kuvomereza" (NPF): maganizo a makasitomala ndi antchito. NPF "Kuvomereza" - mmene kutsirizitsa mgwirizano?

Penshioni thumba "Kuvomereza" mu kugwira ntchito inshuwalansi msika kuyambira m'chaka cha 1994, ndipo pa nthawi imeneyo makasitomala ake ndi anthu oposa 176 zikwi. Kuyambira chaka cha 2010, kuwonjezera pa zimenezi penshioni NPF "Kuvomereza" ntchito inshuwalansi ndi indexing wa Ops tsogolo ndalama. Kodi izi zinachitika bwanji? Pa zokolola 2011th wa APF "Kuvomereza" anali apamwamba mu dziko - oposa 33%. Mu 2015, kampani chidatha ntchito Kupuma pantchito ndiponso Insurance ku Kulipira chiphatso ndi Bank wa Central. Mpaka nthawi imeneyo, ntchito ya kampani "Kuvomereza" (NPF) ndemanga kasitomala anali oipa chifukwa kasamalidwe kwambiri malonda ndondomeko, omwe cholinga chawo chachikulu chinali chabe kwa kugulitsa katundu inshuwalansi.

Company Information

Kwa zaka 22 zambiri za penshioni ndi inshuwalansi kampani NPF "Kuvomereza" anali wotchuka pakati makasitomala ndi mwa mpikisano chifukwa cha mfundo yogwira kampaniyo chifukwa mapangano atsopano. Penshioni ndalama za depositors kudziteteza inshuwalansi gawo, ndiko kuti, makasitomala ndi 100% chitsimikizo cha alipire a mbali olipiridwa a pantchito.

Pa kuli gulu la anthu oposa 176 zikwi anasamutsidwa ndalama zawo kuti NPF "Kuvomereza". adiresi ya kampani (liku- lu mu Moscow), pawebusaiti yovomerezeka, ndi maofesi ena 2015 ndipo si panopa kuyankha zopempha kasitomala ndi sikugwirizana. Ndi bwino kuganizira chifukwa chake chinachitika.

Ngakhale kuti chaka chatha ku NPF "Kuvomereza" chilolezo kale lakana kumapeto kwa 2014, anthu 29 anakwanitsa kufika ndi malipiro Ops mgwirizano mu kuchuluka kwa 858.610 rubles. Pansi Mapangano kupereka indexing wa premiums inshuwalansi zina thandizo si boma, malipiro anali accrued mu 1168 makasitomala kuchuluka kwa rubles oposa 3,17.

Mpukutu pamodzi ndalama, anapatsidwa indexing mkulu akuimira kukwaniritsidwa kwa wosamalira depositors, ndipo mkati mwa chimango cha nkhani iyi pafupifupi lapadera pa kampaniyo, monga ambiri "Minda" wa kampani "Kuvomereza" (SPF) mavoti a depositors si okweza.

Nawo kusanja mabungwe katswiri

Kutenga mbali mu mlingo wa ntchito anzawo, makampani kudalira kuti iwo akhoza kuonetsa kuti ndi kulipira ndi luso kuti akwaniritse udindo kuti depositors. Komanso, nkhani mkulu mlingo za malo okhazikika ndalama ndi kuchuluka kukhulupirika kwa makasitomala ndi thumba angathe inshuwalansi, amene ali zambiri ntchito ku bungwe audited.

Mu 2014, otchuka renkingovaya kampani "Katswiri RA" ali kupereka pa NPF "Kuvomereza" nduna mkulu mlingo wa kudalirika - A. Chaka chotsatira, chithunzi ichi chakhala anatsimikizira malinga ngati thumba sichinayambe lakana chilolezo potipatsa ntchito penshioni. Maziko a zochita za Bank ku Central, monga ulamuliro, ndi kwadalako kuphwanya zinthu thumba penshioni ya mgwirizano inshuwalansi - kupanda Kuphunzira chuma, kupereka malipiro m'tsogolo depositors amene anapatsa indexation makampani penshioni ndalama, madandaulo kuchokela ku makasitomala, anachedwa kufala kwa zokhudza kampaniyo.

mfundo Fund wa kuwonjezeka makasitomala yogwira anali mwachindunji umalimbana kukopa ndalama watsopano mwa njira iliyonse, umene za NPF "Kuvomereza" ndemanga ndi ambiri negative.

Personal chifukwa cha NPF "Kuvomereza"

Mosiyana ndi ndalama zina, kupereka mfundo ndi ndalama zokha anakachezera nthambi kapena e-mail, si a boma thumba "Concord" ali kutali kupeza njira kasitomala ndalama penshioni - "penshioni Pokwelera" gawo lochititsa.

Kupeza zambiri zosangalatsa za ndalama penshioni, kasitomala ayenera kulembetsa pa webusaiti SPF Anadzaza mfundo zofunika za iwo okha (dzina pasipoti SNILS etc.). Atalembetsa Intaneti makasitomala akhoza kudziwa za udindo wa nkhaniyi. Komanso, wosuta akhoza kugwirizana SMS-Kalatayi kuti amakadziwitsa lililonse chiphaso latsopano la ndalama ndi nkhani lisinthike. Ndalama kuti pamene kumasulira mbali zolipirira analandira khadi kulowa "penshioni Pokwelera" ku thumba, okhutira utumiki. Iyi ndi nkhani yosowa imene ntchito ya NPF "Kuvomereza" ndemanga kasitomala anali chenjezo m'chilengedwe.

The view kuchokera mkati. Ntchito NPF "Kuvomereza"

Ntchito gulu lirilonse lalikulu limene zimayesetsa malonda mankhwala kwa anthu, kwenikweni umalimbana kupanga phindu ndi kuchuluka kwa makasitomala atsopano. Private penshioni ndalama - yotero.

Pa Intaneti, kuwonjezera zonena za ndalama zachinyengo, mwina Mulinso antchito wakale ndemanga NPF "Kuvomereza". Feedback kwa ogwira ntchito kampani lifanane ndi maganizo a kasitomala - ndondomeko okhwima kukopeka, kuchuluka kwa chiwerengero cha Ops ndi NGOs mwa njira iliyonse ya malonda inshuwalansi (kuphatikizapo mwa chinyengo), kukwaniritsidwa chopanda malire a mipherezero ndi. Malinga ndi ndemanga a Mabwana ndi inshuwalansi akuda, kasamalidwe kampani analibe chidwi chilichonse kupatula kamangidwe ka zatsopano. No matenda kapena mavuto banja anali extenuating zochitika zinachitikira si kukwaniritsidwa kwa malonda a NPF "Kuvomereza".

Reviews wothandizila chimodzi: ntchito mu kampani unasokonezeka, napempha nkhawa, kudzikuza, luso pofuna kupititsa patsogolo utumiki ngakhale makasitomala amene sankachita chidwi ndi kamangidwe kake ndi mwachindunji izi. Kuwonjezera aakulu mkati mlengalenga - kuchedwa nthawi zonse malipiro ndi mabonasi kuti mapeto a zimenezi, pakalibe ukutitsimikizira ndi kulimbikitsidwa ndi utsogoleri, kusakhutira makhalidwe ndi ntchito yake.

Sucker nkhonya, kapena Kodi NPF "Kuvomereza" kukodzedwa kasitomala otaya

Kuyambira 2010 (ndi chiyambi cha malonda yogwira zatsopano ndi ntchito ya wothandizila kuchita mapulani kwambiri kulimbikitsa inshuwalansi) ndi ndemanga pano savers kuonekera pa Intaneti, imene Ngopambana kudutsa amakakamizidwa kusamutsa zopereka penshioni ya Ops ndi NGO "Kuvomereza" (NPF) . Reviews a anthu onyengedwa za analonjeza mogwirizana kampani ndi makasitomala ndi kufanana chodabwitsa kubwereza wina ndi mzake ndi mtundu zoipa.

Popeza njira moona kukopa chiwerengero ofunikira makasitomala amene ali okonzeka kuti azikatumikira ku kampani zakunja mfundo ndi opaque sizinayende, ndi wothandizila achangu apanga ndondomeko yapadera kuti anali chachikulu malonda bwino kampani, koma ndi chinyengo zenizeni ophunzira atsopano mu pulogalamuyi. Ganizo ili: makampani a inshuwalansi pansi pa amati wa antchito Fund penshioni kuchita khomo kulambalala, kukakamiza eni kuti apereke khadi wapadera kulowa "Akaunti Yanga" Fund RF penshioni. Malinga ndi nthano, ichi "mayeso" malo akhala mokakamizidwa mu FIU ofesi kuti makasitomala onse, ndipo kwa nthawi yaitali, koma pa zifukwa zina sizinachitike. Pambuyo kuti kasitomala kusaina phukusi la zikalata anapereka, akuti natsimikiza issuance khadi iyi, ndi ndodo maziko anayesa kanjedza kumbali Mapangano pa kovuta kwambiri kapena wovuta kwa kamphindi, Investor kuti analibe mwayi kuliphunzira. Pezani siginecha wanu akufuna, wothandizila anafuna posachedwapa kuthawa.

Chifukwa - buku la chigwirizano (ndi kuti si chikalata kwa makasitomala onse) ndi Fund, osati panopa nambala ya foni pantchito, lingaliro la chinyengo ndi kukhumudwa ndi ndemanga zoipa pa zochitika za kampani "Kuvomereza" (ndemanga pa maonekedwe ndi Websites pa penshoni ya Russia).

Wina nthano - lzhetrudoustroystvo

Kuwonjezera pa nkhani ya ndalama zachinyengo za mmene ndinazembera anavomera kusamukira mwachindunji NPF nyumba zawo, ndi Internet amapereka zambiri ndemanga pa nkhani ya chipangizo zinalephereka ntchito pamene pa phwando zikalata chofunika kusamukira NPF "Kuvomereza". ndemanga kasitomala ndi chimodzi: anandilandira bwino, kukonzekera ntchito mapepala ankati kutsimikizira ntchito, adzakhale "mapiri golide". Ndipo m'malo zonsezi - mawu a kutengerapo Ops pulogalamu ku thumba la ndalama za penshoni.

M'mawu ena, ndi watsopano zachinyengo, ozikidwa pa chilakolako cha ogwira ntchito angathe kusankha njira zoyenera kwa iwo (monga kulengeza ndiye kuti okha zinthu zabwino ntchito). Monga ulamuliro, makasitomala kukayikira kulondola kwa zochita zake zimachitika pasanapite nthawi atachoka ofesi, pamene m'manja mwa pangano wathuwu ali ndi NPF "Kuvomereza". Reviews ali ofanana ndi mzake, amene palibe chikaiko chakuti iwo sanali zinthu zachilendo, ndi kukhala njira kukopa depositors latsopano, kodi osadzuka.

Oimira analandira makope a zikalata kuchokera kasitomala kupita NPF "Kuvomereza"?

Kupenda ntchito za NPF "Kuvomereza", ndemanga ya anthu anali ndi ndalama izi si a boma, mungaone kuti mfundo zonse chakuti pa mapeto a mgwirizano ndi wothandizila anatenga zithunzi za zikalata pa foni yanu, posachedwapa kusaina mgwirizano ndi kasitomala latsopano. Ndiko kuti, Investor anali maminiti angapo okha kumvetsa zimene zikuchitika, ndipo ngati pa nthawi yochepa iyi, iye analibe nthawi ina kuti muganize zimene zizindikiro, gawo ndalama zolipirira zopereka tsogolo anasamutsa opaleshoni ku ofesi ya NPF, ndipo pambuyo kutsimikizira kasitomala (wotchedwa SMS-machitidwe woyendetsa, monga makamaka popanda kumvetsetsa zimene zikuchitika) kulanda komaliza kwa mseri kampani kasamalidwe penshioni.

Kodi kusintha kwa FIU omwe sanali boma kampani "Kuvomereza"?

Pambuyo kusainira zikalata, natsimikiza kutanthauzira kwa mgwirizano mu Ops NPF, zothandizira ambiri anali nkhawa pa zomwe nthawi bwanji ndi kusintha komaliza kwa thumba lina. Makampani onse mseri (makampani kasamalidwe, ndalama si boma, kuphatikizapo "Kuvomereza" (NPF), ndemanga zimene zimasonyeza kupanda kuzindikira makasitomala za mmene kusamutsa gawo ndalama zolipirira wa penshioni ya) malamulo omwewo ndi njira kulanda penshioni: atauza ndi mapangano anasaina kasitomala, ndipo makope a zikalata kwa masiku angapo pamaso pulogalamu ophunzira Ops ayenera muyimbire ndi kupempha chitsimikiziro choti kusintha thumba. Monga chitsimikiziro adzafuna kachiwiri mwachindunji deta chikalata (SNILS ndi zitupa) ndi kachidindo wapadera kuti akubwera mu maonekedwe a SMS-mauthenga atachita zokhudza woyang'anira kasitomala latsopano.

Popanda kudzimvera yekha kapena ngati kulephera kupereka zofunika ku mbali zolipirira a penshoni adzatsala wantchito mu thumba m'mbuyomu. Komabe, Internet imafalitsidwa zambiri pa milandu kusuntha panayamba NPF wina popanda udindo awadziwitse kuti (ngati kasitomala sakugwirizana) ndi kuphwanya ya phindu, ndipo Tingaone monga chinyengo. Akusuntha mu njira imeneyi idzachitika Koma ngati zodzikhululukira deta kasitomala ndi wothandizila chinyengo inshuwalansi, kunenanso foni nambala imene zidziwitso ayenera kubwera, SIM khadi yanu, kapena ena aliwonse chipinda (bwino mwawomwawo depositor a).

Non-boma thumba "Kuvomereza": kuchotsa

Makasitomala omwe makampani a inshuwalansi kudutsa amakakamizidwa kusamutsa penshioni accumulations awo ku thumba wina ndi mzake, ataona zimene zinachitika chidwi mafunso okhudza mmene kutuluka kwa NPF "Kuvomereza" ndi kutsirizitsa mgwirizano pa kusintha mu NPF.

Musanayambe mantha kuwataya zoipa kwa antchito kuitana pakati, ndi Investor ali kuonetsetsa zimene ndalama penshioni tsopano kudzikundikira ake. Kuchita izi, itanani msonkho ufulu hotline FIU ndi ulembedwe tsatanetsatane wa zikalata (pasipoti ndi SNILS). Childs, kusinthika mu NPF akhoza akuyendera pokhapokha chitsimikiziro ndi ophunzira a pulogalamu, amene ayenera kutchedwa yadziko ya SMS-mauthenga ndi mauthenga okhudzidwa (kupatulapo milandu tatchulawa chinyengo pa gawo la ogwira ntchito NPF). Ngati palibe zidziwitso kwa foni makasitomala wakhala analandira, kapena pamene kuitana kwa katswiri, iye anakana kusuntha, mbali accumulative ya malipiro tsogolo penshioni tidzakhalabe thumba m'mbuyomu.

Ngati kasitomala nachobe nthawi kutsimikiza kusintha zopereka zake kunditumiza ku kampani kasamalidwe ndi kotala 1 chaka chamawa, ndipo asanafike mapeto a nthawi ya idzachitike kutenga nkhani ya indexation wa profitability atsopano a kampani. Choncho, pambuyo yachinsinsi, mu nkhani ya sankafuna kusamukira ku thumba watsopano, m'pofunika ntchito ku Dipatimenti ya RPF, kupita kumbuyo kumasulira ndalama zawo ku ntchito zogwirizana. Komabe, tiyenera adzanyamula kukumbukira kuti pa chiyambi cha kotala 1 chaka chamawa, mawuwo, amene adayamba, ndipo kulandiridwa. Choncho, pali chiopsezo kupita ku kampani ina, ngati ntchito amatumizidwa nthawi. Komanso, pansi pa malamulo a nzika Russian Federation ndi ufulu kusintha thumba penshioni si oposa 1 nthawi pachaka.

Choncho mukufuna kusiya kucheza onse ndi NPF "Kuvomereza"? Kodi kutsirizitsa mgwirizano, izo n'chiyani mfundo izi: Mukhoza kupanga kubwerera kwa gawo ndalama zolipirira (phunziro kwa nthawi posachedwapa m'ndende) ponena kuti pawebusaiti yovomerezeka ya kampani. Komabe, mogwirizana ndi revocation patsamba chilolezo thumba pa intaneti si kusinthidwa, motero, ndondomeko ya kusintha kwa tsiku si zogwirizana.

NPF "Kuvomereza": ngati "anakomoka" amakhalidwe abwino

Pofuna kupeza kuchuluka zabwino penshioni awo, anthu ntchito, omwe ali ndi chidwi mwachangu m'chigawo cha nkhani mu Fund ndi penshioni, amayesetsa kuonjezera ndalama boma tsogolo kuyambira 2006. The kusintha kwa NPF kwa makasitomala ambiri ndi njira yokha ubwino wamakhalidwe ndipo siisonyeza lokha ndalama ndalama ukalamba.

NPF "Kuvomereza" mu magawo oyambirira a ntchito zake patsogolo waukulu kuyika kasitomala wokhutira ndi utumiki chitsimikizo khalidwe akadzabweranso mkulu. Ndithudi, indexation ngati (pa 30% pa annum) sanathe popitilira thumba aliyense penshioni. Komabe, chifukwa cha mtima wofuna kuposa amapereka, anagonjetsa "Chabwino" njira ya chitukuko ndi kutsogozedwa chakuti zimenezi kwa kumasulira pantchito anayamba kunena zambiri lalikulu. Phindu la kampani anakula, chiwerengero cha ophunzira anakula exponentially, koma ochepa anasintha kwa NPF paokha.

Negativity, kukhumudwa ndi kumapeputsa kusagwirizana ndi mfundo chenjerero la wothandizira zinachititsa kuti chakuti index wosakhutira kasitomala kuchuluka likunena, ndipo zotsatira zake zikuoneka pa malo zambiri Kuthandiza zambiri. Reviews makasitomala kunyengedwa pa maukonde kupitiriza zitangomera, ndipo tsopano, pamene ntchito ya thumba ambiri. Ndani imeneyi?

Choyamba, kunena zimenezi ambiri, ngakhale kusafuna makasitomala, makampani a inshuwalansi amafuna kasamalidwe kuti wayamba, mu maganizo awo, zolinga wofuna kudziwa antchito umafunika ndi mabonasi zina. Komabe kunapezeka zosiyana - wothandizira ananyengedwa ndi kampani yake, amene mobwerezabwereza analola kuchedwa kopeleka malipiro ndi wodzikweza chokana kulipira.

Kachiwiri, mpikisano waukulu mu msika penshioni zambiri kumayambitsa chakuti ndalama payekha amakakamizidwa ntchito pa mfundo ya "amphamvu adzapulumuka", kotero kukhala wolimba, wofunitsitsa kuti akakokoloredwe Otsutsa ake, poganizira mapulogalamu makampani penshioni mabungwe lonse kapena kupereka zinthu lowoneka ( zapadera zokolola zopereka zina chifukwa kampaniyo, ntchito).

Ntchito anthu, amene sanyalanyaza tsoka la zopereka zotchinjiriza moyo m'tsogolo, tsopano inu muyenera kuonetsetsa kuti zimene kampani adzakhala kwayekha. Ndipo posankha thumba, mwapadera ayenera linaperekedwa kwa zinachitikira olimba, mlingo kudalirika, ndemanga kasitomala ndipo chiwerengero chawo okwana. Sikuti kukhala "mtundu chete", mantha kukhala popanda ndalama za penshoni, m'tsogolo - boma kukutsimikizira kuwunika chitetezo ndi zotetezera, ndi mlingo wa kubwerera ku FIU kwambiri m'munsi kuposa NPF.

Koma sangachitenso chisokonezo zidule, kenako chinadzakhala wothandizila NPF "Kuvomereza" ndipo kusaina zikalata mofulumira, popanda maphunziro kapena vuto la kukaikira oona mtima bwanayo. Loss chidwi accrued ndi kuyenda unyolo lamulo - osati wosangalatsa kwambiri, ndipo dziperekeni, kufufuza zinthu zonse ndi mbali ya Fund omwe si a boma, sizidzakhala zovuta ndipo sinditenga nthawi zambiri.