Chikamu inishuwarenzi pamusoro pensions uye mari; sei kuwedzera

Modern Russian mudyandigere gadziriro akagadzirirwa kuitira kuti vagari kufunga nezveramangwana mudyandigere pakutanga basa. Pazera yatova zvinobvira kuita chinhu kugovera pachavo pakukwegura. Uye nokuda kwaizvozvo unofanira kunzwisisa chii chinoumba mudyandigere yako yemberi pamutemo (unova nechigadziko, inishuwarenzi chikamu mudyandigere, uye kuti ari contributory), sei kuwedzera izvozvo, kana pane zvimwe chikamu chacho. Zvakakosha kunzwisisa kuti mari uye chii chingaitwa kuwedzera uwandu pauzima mudyandigere nhoroondo.

Kukura mudyandigere kunoenderana kwete nguva asiwo nenhanho mubayiro, uyewo kubva yokuzvidira mipiro (zvipo) pamwe mari kubva oupfumi (kana kupinda chiito pakuunganidza yenyu mudyandigere nhoroondo).

Mudyandigere rinoumbwa mugove nechigadziko, vamwe nokuda inishuwarenzi - fanira (inishuwarenzi chikamu) uye mamwe (kuunganidza mipiro). The inishuwarenzi Chikamu mudyandigere rinoumbwa nevanhu mipiro pamusoro mushandirwi muzita renyu iri mudyandigere Fund (22% of muhoro, riri pamusoro 5 zviuru. Per mwedzi). The kwenguva mari yezvinhu izvi vachaitwa, paunonyanya kubhadhara, dzakanga ufanane inishuwarenzi chikamu mudyandigere yenyu. Kuti vabudirire Izvi zvakadaro, vakapiwa kuti mari imwe nhengo shoma mubayiro, kwakaoma zvisingaiti.

Asi mudyandigere unofanira kuva zvakakwana kwete chete zvokudya, Magetsi nemvura, asiwo mushonga, zvipo hama nezvimwe zvikomborero. Naizvozvo, inishuwarenzi chikamu mudyandigere pasina kuwanda haripi hwandaiva upenyu pashure pokupedza basa.

Zvimwe mushandi zvipo kubvumira kuti anoumba ramangwana mudyandigere mari rubatsiro kubva State (premiums vari kaviri - "1000 kusvika 1000"). mushandi ose rave nezvokudzokera kuti mukana uyu muna 2010-2011 vavanoshandira. Kana uchiri handizivi sei kubatanidzwa mune okuwedzera mudyandigere inishuwarenzi hurongwa, ndapota bvunza yomunharaunda mudyandigere Fund yenyu. Kusvikira October gore rinouya (2013) zvinokwanisika kushandisa kuti Russian PF kuti ndiitewo mupurogiramu kuti mudyandigere co-mari. Sezvo kuchinjwa wokutanga mubhadharo kwemamwe makore 10, unogona kugara wakanyoresa nepurogiramu. Chinhu chikuru - kuti kwete asingasviki zviuru 2 pagore kuti mudyandigere homwe mupiro chitsama kwakapamhidzwa tichiregeredza of bhajeti ..

Uyezve, kuunganidza (inishuwarenzi chikamu mudyandigere asingadi kuverenga) inogona kuchinjwa kubva mudyandigere Fund pashure pemakore 10 vari boka asiri ehurumende mamwe purofiti. Manage, chitoro uye -wedzera mudyandigere yako yemberi zvino inopiwa masangano akawanda (mudyandigere mari, paruzhinji kana kuti kwete, uyewo dzakavanzika makambani). Mapurogiramu akafanana iripo huru masangano-vashandirwi sorutivi evanhu pasuru. chirongwa Mumwe ari "inosimbiswa" dziviriro kubva mitengo uye kuwedzera mari deposits. Hazvina zvakafanira kutora mashoko aya okutenda, kunyanya sezvo tiri kutaura nezveramangwana rako. Umo muchafadzwa asina kuvimba.

Ukuwo, hazvina kuita chinhu - kwete mhinduro kana. Chenjera uye yeuka, unogona nguva dzose kukanzura chibvumirano uye kudzokera dzemipiro, uye mari kwavari (kana yakadaro mukana yave inopiwa kondirakiti).

Chikamu basa mudyandigere inishuwarenzi akasiyana tinofanira kugara pakuti rokutanga inopedzwa nokuda kwokuripirwa pensions kune dzimwe pamudyandigere (iyezvino) mashoko chete anoramba sei hurumende achava kubhadhara iwe yamuchashuva pamudyandigere. Mari chikamu haina vaparadzwa, uye rinoungana. Naizvozvo, panyaya ayo kukuvadza inokosha wenyu mari akwegura kunogona kukonzera mitengo.

pensions inishuwarenzi ndiyo yakanakisisa nzira kubva akaoma zvoupfumi ezvinhu munyika. Perfect mamiriro kubvuta masimba pamusoro ari mudyandigere hurongwa kwaidiwa vamwe nzira zvakaringana, nekuti ikozvino vose, kana kutsvakwa, kukwanisa kuwedzera mari yavo mushure pamudyandigere, kuti igovere vakwegura. Kare zvakanga zvisingaiti (kunyange zvisati uye mudyandigere kwaiva nokuda musiyano pakati nokushanda vemo uye pamudyandigere).