Zopereka ku thumba la ndalama za penshoni ndi momwe angathetsere ndalama

Maziko a penshoni tsogolo nzika iliyonse la Russia kupanga zopereka thumba penshioni, amene atchule mabwana pa nkhani patokha wogwira ntchito. zopelekazi amatchedwa "inshuwalansi mokakamizidwa zopereka." Aliyense wogwira ntchito ndi inshuwaransi munthu amene ali ndi satifiketi inshuwalansi ndi 11 manambala nambala ya nkhani zawo. Izo zimapangitsa zopereka mwezi, imene 2012 nkhani 22% ya thumba pachaka malipiro wantchito.

Zopereka ku thumba la ndalama za penshoni amapangidwa, ngati nzika Russian ndi alendo wokhala Russia:

• Iwo amagwira ntchito mu mawu a mgwirizano ntchito;
• Amagwira ntchito kunja kwa dzikoli, koma nthawi zonse kupereka mphatso kwa thumba penshioni;
• kodi atsogoleri achipembedzo;
• Amakhala m'madera ang'onoang'ono ndi anthu a North chinkhoswe mu nthambi miyambo zachuma.

Chilamulo kuloledwa paokha kupereka malo a ntchito, kudzilemekeza wekha ntchito kapena chinkhoswe kuchita paokha. Pankhaniyi, mphatso kwa thumba penshioni, SP umabala komanso amalipira amodzi kuchuluka, umene 2012 analipira malisiti awiri: 922,2 rubles pamwezi anali mbali ya malipiro inshuwalansi ndi 276,66 rubles - gawo accumulative. An wazamalonda angathe kupereka zopereka pa miyezi itatu iliyonse kapena kamodzi pa chaka, polemba mawonekedwe PF "msonkho PD-4sb".

Azimayi ku thumba penshioni ku kuwonjezeka malipiro pamodzi ndi kuchuluka kwa ndalama kwa wogwira ntchito pa malo a ntchito ndi akatswiri. Choncho mtengo wa penshioni m'tsogolo akhoza zochuluka. Ngati munthu wogwira ntchito akugwira ntchito m'malo osiyanasiyana, mphatso kwa thumba penshioni anapanga ndi aliyense wa iwo ndipo akuuzidwa kuti nkhani umodzi munthu. Pa nkhani ya ndalama zochepa chili, koma osati ndalama weniweni. ndalamazo - chitsimikizo cha penshioni m'tsogolo. Ndalama zimenezi zimagwira ntchito kulipira penshoni kwa pensioners amene anakwaniritsa kale zaka zopuma pantchito. boma magwiridwe ndi indexation pachaka mbali ya penshioni, amene amatchedwa inshuwalansi.

Zopereka ku thumba la ndalama za penshoni akhale ndi insurer ndi kuwonjezera pa olembedwa pempho la wogwira ntchito. Chotero kuonjezera gawo accumulative wa penshioni ya. mwayi wotero amaperekedwa kwa onse obadwa pambuyo 1967, amene amalola achinyamata kusamalira okha kuonjezera penshioni awo. Izi ndalama sapita kwa malipiro a penshoni kwa anapuma panopa, koma akhoza padera mu magawo, sheya, mwachitsanzo mafanowo kwa kuchulukitsa ndalama zawo.

Management wa amachotsera penshioni:

• ntchito mu mabungwe, kuti deduct zopereka Fund ndi penshioni ya Russia;
• pakalibe zoperekazo ndi abwana ake kuti apereke kwa thumba penshioni ya zawo;
• kulamulira wanu chifukwa munthu kupyolera zipata Intaneti kapena mwa dongosolo zidziwitso makalata, amene chaka amatumiza PF anthu inshuwaransi;
• kuchepetsa kudzikundikira, amene anaika mu gulu kulamulira. Ngati si zogwira mtima, ntchito gawo accumulative wa penshioni, mungathe kusintha kampani kasamalidwe;
• kuonjezera mkulu awo chifukwa kwa anthu amene anagwira ntchito zaka 30-40, penshioni ndi apamwamba kuposa anthu amene osachepera zaka 5-10 zaka alonda;
• ntchito mwayi wofalitsa mu pulogalamu ya boma co-ndalama za penshoni kuti sitingakumane ndi 100% kubwerera pa ndalama yanu: chobwezera cha 12 zikwi rubles, boma anawonjezera yofanana, yomwe pamapeto pake chimachititsa 24 zikwi chaka;
• nawo ziwembu payekha penshioni - ndi kulenga wekha penshioni zapadera, sipangakhalenso akamagwira nzika, ngakhale ngati si anapanga mbali ya penshioni ndalama zolipirira kuti Fund ndi penshioni ya Russia.

Zopereka ku thumba la ndalama za penshoni - ndicho chinsinsi ndi penshioni m'tsogolo. Iwo akhoza kuyamba kupanga munthu wamng'ono, amene adachoka woyamba ntchito ndipo ali malipiro wanga woyamba.