"Kubvumira" (NPF): inofambiswa kuti vatengi uye vashandi. NPF "Kubvumira" - sei kugumisa kondirakiti?

Mudyandigere Fund "Kubvumira" pamisika inishuwarenzi kushanda kubva 1994, uye panguva iyoyo nemakasitoma ake anopfuura zviuru 176 vanhu. Kubvira 2010, kunze zvibvumirano mudyandigere NPF "Kubvumira" inopa mabasa inishuwarenzi uye Indexing yemberi Ops mari. Izvi zvakaitika sei? Panguva 2011th zvibereko APF "Kubvumira" aiva soro munyika - vanopfuura 33%. Muna 2015, boka ikanyarara akavhiyiwa Retirement uye Insurance kubva Kudzimwa pamusoro rezenisi ne Central Bank. Kusvikira panguva iyoyo, iri basa boka "Kubvumira" (NPF) mutengi wongororo vakanga kunaka nokuda kwazvo vezvokutengeserana gwara zvakanaka, ane chinangwa chikuru chaiva chete kutengesa zvigadzirwa inishuwarenzi.

Company Information

Makore 22 mubasa mudyandigere uye inishuwarenzi kambani NPF "Kubvumira" aizivikanwa pakati vatengi uye pakati vakwikwidzi nokuda yezviri mutemo wekambani kuti zvibvumirano zvitsva. Mudyandigere mumari depositors vanodzivirirwa inishuwarenzi dhipoziti, kureva, vatengi vane 100% runovimbisa mutsividzo pamusoro mari chikamu pamudyandigere.

Munguva Kuvapo sangano vanopfuura zviuru 176 vanhu akatamisira mari dzavo NPF "Usatenda". Kero kambani (makuru muMoscow), mukuru Website, uye mamwe mahofisi muna 2015 uye asingauyi iye kupindura mutengi zvikumbiro uye havasi kushanda. Zvakakodzera kufunga sei zvakaitika.

Pasinei yokuti gore rapera iri NPF "Kubvumira" rezinesi watopiwa yakabviswa pakupera 2014, vanhu 29 kuwana kupfurikidza Ops chibvumirano kubhadhara iri uwandu 858.610 rubles. Under zvibvumirano kupa Indexing pamusoro yokuwedzera inishuwarenzi vasiri nehurumende rutsigiro, kubhadhara vakanga dzakava muna 1168 kusvika vatengi vari uwandu vanopfuura mamiriyoni 3.17 rubles.

Bundu Muchidimbu kubhadhara, vakapiwa mukuru Indexing dzinomirira kuitwa kuti depositors, uye mugadziriro ino anenge akasiyana nyaya nokuti wakasimba, sezvo vakawanda "minda" boka "Kubvumira" (SPF) ratings pakati depositors haisi kumeso.

Kusangana chepamusoro kuti nyanzvi masangano

Kutora chikamu mune ratings rokuda mabasa, makambani vanovimba kuti vanogona kuratidza kwaniso yavo yekubhadhara uye kukwanisa kusangana nokubatira kuti depositors. Mukuwedzera, muprista pamwero hurukuro pamusoro yakatsiga zvemari chinzvimbo uye kuwedzera kuvimbika vatengi uye mari zvinogona inishuwarenzi, uyo vangangoramba kushandisa kuti audited sangano.

Muna 2014, kuti vane simba renkingovaya kambani "Expert RA" akaita paakavapa ari NPF "Kubvumira" chepamusoro soro pamwero rakavimbika - A. Gore rakatevera, nhamba iyi rwukasimbiswa sokuvapo mari haina yakabviswa rezinesi kuti urongwa mudyandigere mabasa. The hwaro zvasarudzwa Central Bank zvakadai, somunhu ushe, ndizvo hunonyadzisa kutyora zvemupiro mudyandigere pavane chibvumirano inishuwarenzi - kushaya mari nhau, ichipa mari ramangwana kune depositors uyo akapa indexation kuti mudyandigere mari makambani, zvichemo kubva nemakasitoma, kunonoka kupararira kwemashoko pamusoro kambani.

ari Fund wokuti kuwedzera basa nemakasitoma akanga nechinangwa zvakananga pane kukwezva makambani itsva nenzira ipi, kwamakadarika pamusoro NPF "Kubvumira" ongororo vainyanya kunaka.

Personal Nhoroondo NPF "Kubvumira"

Kusiyana nevamwe mari, kupa ruzivo kune makambani chete panguva kushanyirwa pahofisi kana e-mail, asiri ehurumende mari "yokuwirirana" ane kure kuwana mugero kuti nemhosva pamusoro mudyandigere mari - "mudyandigere Terminal" Contributor.

Kuti awane mashoko anofadza pamusoro mudyandigere nemari, kuti nemhosva vanofanira kunyoresa pamusoro Website SPF, achizadza ari zvakafanira mashoko pamusoro pachavo (zita, pasipoti SNILS etc.). Pashure kunyoresa paIndaneti mutengi kuwana ruzivo pamusoro mamiriro nhoroondo. Mukuwedzera, inodzidzisa anogona kubatanidza SMS-mugwaronhau kuti zvichaita wazivisa nerimwe idzva kutambira mari uye nhoroondo dzinoshandurwa. Vanoita kuti apo kushandura mari chikamu akapiwa kadhi kupinda "mudyandigere Terminal" kubva mari, basa tigutsikane. Ichi isingawanzowanikwi nyaya umo basa NPF "Kubvumira" vatengi wongororo vakanga Advisory zvakasikwa.

The maonero kubva mukati. Shanda NPF "Kubvumira"

Basa chero boka guru kuti kushingaira mubasa kutengesa mishonga kuti vakawanda, anonyanya zvainanga kuita purofiti uye kuwedzera kwenhamba makasitoma matsva. Private mudyandigere mari - hapana anosara.

PaIndaneti, kuwedzera Zvinotaurwa kubiridzirwa vanoita, kunogona undosangana vashandi ekare mhinduro NPF "Usatenda". Feedback kubva mudonzvo mabasa chekambani uwirirane mafungiro yeGmail.END_STRONG - vaitofanira wokuti okutorwa, kuwedzera kwenhamba Ops uye NGOs nenzira ipi achishandisa inishuwarenzi gwara rokutengesa (kusanganisira achishandisa nokunyengera), kuzadziswa isiyo zviri kunangwa. Maererano zvakataurwa mamaneja uye insurers, basa boka rakanga hanya zvose kunze magadzirirwe zvinhu zvitsva. No noutano kana mamiriro mhuri vakanga nemamiriro ezvinhu anoparira zvakadyiwa asiri kuzadzika rokutengesa nokuti NPF "Usatenda".

Reviews vehurumende vari zvakafanana: basa iri kambani yakanga kukanganiswa, vachikumbira kushushikana, namanyawi, vachikwanisa kusimudzira basa kunyange vatengi vaya vakanga vasiri kufarira magadzirirwo ayo uye akataura ichi zvakananga. Kuwedzera zvakakomba womukati mhepo - kugara pokumbononotswa muripo uye bonuses nokuda kwemamiriro zvibvumirano, kusavapo inopikira uye rutsigiro kubva utungamiriri, tsika kusagutsikana basa rake.

Kuziva punchi, kana sei NPF "Kubvumira" rakawedzerwa yeGmail.END_STRONG aibuda

Sezvo 2010 (pamwe kutanga basa rokutengesa mishonga mitsva uye mabasa vamiririri kuita zvikuru urongwa kusimudzira policies inishuwarenzi) uye kuti ino mashoko savers kuoneka paIndaneti, izvo mamaneja unokutorerai anomanikidzwa akatamisa mudyandigere mipiro pamusoro Ops uye NGO "Kubvumira" (NPF) . Reviews akanyengerwa vanhu pamusoro yakapikirwa zvinoenderana kambani nemakasitoma ane chinoshamisa fanano wodzokorora nomumwe uye vane kunaka kwazvo ruvara.

Sezvo akatendeseka nzira kukwezva runodiwa nhamba vatengi vari rwakagadzirirwa kune imwe kambani ane opaque mutemo haana kushanda, zvikuru basa yomuchipatara zvakagadzira zano rinokosha kuti yaiva chihombe hwezvokutengeserana kubudirira nokuda kambani, asi chiri unyengeri chakananga kuvatori vechikamu vatsva chirongwa. Pfungwa iri sezvinotevera: nevasori inishuwarenzi pasi achinyepera of mudyandigere Fund vashandi kuita musuo-yokunzvenga, kumanikidza varidzi kuti ape kadhi chaiyo kupinda "Account wangu" RF mudyandigere Fund. Maererano nengano, ichi "vanopfuura" nzvimbo zvave rokumanikidzirwa muna FIU hofisi kuti vose vatengi, uye kwenguva yakareba, asi nekuda kwechikonzero hazvina kuitwa. Pashure paizvozvo yeGmail.END_STRONG kuti asaine pasuru magwaro inopiwa, zvichipomerwa achisimbisa issuance kuti kadhi iri, uye nheyo mudonzvo akaedza yemichindwe kure zvibvumirano vatowanda zvakavaomera kana zvakanaka kwechinguva, asi investor kuti haana mukana kuridzidza. Wana wako kutsvakwa siginicha, vamiririri vakatsvaka nekukurumidza kutiza.

Somugumisiro - kopi chibvumirano (uye kuti haisi yakapiwa vatengi zvose) pamwe Fund, kwete mamiriro nenhamba mushandi, pfungwa yokunyengedza uye mwoyo uye akaipa nemashoko pamusoro mabasa kambani "Kubvumira" (mashoko forum uye Websites pamusoro pensions vomuUmambo Russian).

Imwe ngano - lzhetrudoustroystvo

Kuwedzera nyaya kubiridzirwa vanoita sei ivo akaverevedza vakabvumirana kutamira zvakananga NPF furati yavo, Internet inopa yakawanda nemashoko panyaya kundikana mudziyo kushanda apo pamabiko magwaro hunodiwa kutamira NPF "Usatenda". Customer ongororo zvakafanana: noushamwari, ari operative kugadzirira magwaro, zvichipomerwa kuratidza basa, akapikirwa "zvendarama makomo". Uye pachinzvimbo zvose izvi - mashoko Ops chirongwa kuchinjirwa kune mudyandigere Fund.

Mune mamwe manzwi, chinhu chitsva kubiridzira zano, iyo inobva chido yemakambani vashandi kusarudza akakodzera kuita navo (sezvo ari okushambadza hazvo anoratidza chete akanaka ezvinhu kubasa). Kazhinji, vatengi chokwadi pamusoro yakarurama nezvaaizoita kuitika anenge pakarepo pashure pokubva muhofisi, kana mumaoko sebenzi chibvumirano ane NPF "Usatenda". Reviews vari saka akafanana mumwe, izvo pasina mubvunzo pamusoro chokwadi kuti akanga asiri chete apa, uye kuva nzira kukwezva depositors itsva, harimuki.

Sevamiriri vakagamuchira makopi zvinyorwa kubva yeGmail.END_STRONG kuenda NPF "Kubvumira"?

Kudzokorora basa NPF "Kubvumira", wongororo vanhu vakashumira iyi mari asiri ehurumende, ungawana kuti zvose pfungwa chokuti pakupera chibvumirano pamwe nevasori vakatora mifananidzo zvinyorwa uri mbozha, nekukurumidza kusaina chibvumirano ine yeGmail.END_STRONG itsva. Kureva investor kwaingova maminitsi mashoma kunzwisisa zviri kuitika, uye kana panguva iyi pfupi, haana nguva kufunga zviratidzo chii, mari chikamu mipiro ramangwana Kutamiswa surgically kuhofisi NPF, uye pashure yeGmail.END_STRONG nokusimbisa (unonzi SMS-bumbiro iri opareta, sezvo kunyanya pasina kunzwisisa zviri kuitika) kwokupedzisira kutamira kune private mudyandigere utariri kambani.

Sei kuchinja kubva FIU mune dzisiri pehurumende kambani "Kubvumira"?

Mushure kusaina magwaro, achisimbisa kududzirwa chibvumirano muna Ops NPF, mipiro zhinji vakanga hanya pamusoro chii nguva uye sei ndeyekupedzisira kutamira kune imwe homwe. Nokuti zvose private makambani (utariri makambani, asiri ehurumende mari, kusanganisira "Kubvumira" (NPF), wongororo iyo kunoratidza kusava kuziva vatengi kuda uchatamisa sei mari chikamu mudyandigere) chete mitemo uye nzira kuchinjwa mudyandigere: pashure kutumira zvibvumirano wakasainwa nemhosva, uye makopi ake zvinyorwa kwamazuva mashoma asati chirongwa mutori Ops vanofanira kudana opareta okumbira kusimbisa chido kushandura mari. Sezvo zvinosimbisa zvinoda zvakare kuti tsanangurai gwaro Data (SNILS uye mapasipoti) uye bumbiro chaiyo unouya muchimiro SMS-mashoko tapinda ruzivo pamusoro yeGmail.END_STRONG maneja itsva.

Pasina pachako Kusimbiswa kana pakuparwa kukundikana kupa zvinodiwa ruzivo kune mari chikamu pensions richaramba mushandi ari yapfuura mari. Zvisinei, paIndaneti inobudiswa mashoko Muzviitiko kumboitika kunoshanda kune imwe NPF pasina vanosungirwa kuzivisa kuti (kana nemhosva haribvumirani) kutyora pamusoro chikamu munhu anoyamurika, uye zvinogona kuonekwa sezvo kubiridzirwa. Kufambira seizvi anogona kuitwa chete kana kubvuma kuti mutengi Data uye kubiridzira inishuwarenzi nevasori, achinongedza nhamba dzorunhare uko ziviso zvisauya, wako SIM card, kana zvimwe iripo nzvimbo (pachena kwete kungova depositor).

Non-Governmental mari "Kubvumira": kugumiswa

Vatengi vari vamiririri inishuwarenzi unokutorerai dzakamanikidzwa uchatamisa zvavo mudyandigere accumulations kubva Fund mumwe, pashure kuziva zvakaitika pakarepo kufarira mibvunzo pamusoro sei kuti kubva NPF "Kubvumira" ndiko kuti kugumisa chibvumirano pamusoro yezwi iri NPF.

Usati nehana uye kudzingira kunze zvakaipa kune vashandi Mushevedzei-pakati, kuti investor anofanira nechokwadi umo mudyandigere mari vari zvino ayo kuwanda. Kuti aite izvi, dana nhamba vakasununguka Hotline FIU uye kudzora mashoko magwaro (pasipoti uye SNILS). Kazhinji, shanduro iri NPF anogona chinozoiswa chete pashure inosimbisa kubudikidza ubatanidzwe purogiramu, izvo zvinofanira kunzi bumbiro iri SMS-mashoko uye akakodzera mashoko (kunze ichangobva kutaurwa nyaya kubiridzira ari chikamu vashandi NPF). Kana pasina ziviso kuti mutengi wacho dzenhare kwave kugamuchirwa, kana apo kudanwa kubva nyanzvi, akaramba kufamba, kusvikira accumulative chikamu ramangwana mudyandigere kubhadhara vacharamba vari yapfuura mari.

Kana munhu anoda kubetserwa akanga achiri nguva kuzosimbisa kuchinja, mipiro ayo achaitwa hwakatamisirwa utariri kufambidzana wa1 chikamu gore rinouya, uye kuguma nguva nguva asati chichaitwa kufungisisa indexation ari kuitika profitability wekambani. Saizvozvowo, pashure ongororo, panyaya kusada kutamira mari itsva, zvinokosha kushandisa kuti Dhipatimendi RPF, kutsigira kushandurira mari dzavo mune akakodzera kushanda. Zvisinei, zvinofanira kurangarirwa kuti pakutanga wa1 chikamu gore rinouya, mashoko, yakauya pakutanga, uye ichagamuchirwa. Saizvozvowo, pane mukana kuenda rimwe boka, kana kuti kushanda anotumwa munguva. Uyezve, pasi mutemo pamusoro Russian Federation vagari kodzero change mudyandigere Fund haasi anopfuura 1 nguva pagore.

Saka uchida usiyane noukama vose NPF "Kubvumira"? How kugumisa chibvumirano, icho chichaita kuti mashoko anotevera: Unogona kuita kudzoka mari chikamu (pasi achangopfuura nguva yevasungwa) nokutaura pamutemo Website wekambani. Zvisinei, maererano revocation pamusoro rezinesi Fund peji padandemutande haana achiudza ukuwo, muitiro yokuchinjira zvevakomana haishandi.

NPF "Kubvumira": se "rakabhuroka" boka rakanaka

Achida kuwana kuwedzera zvakanaka mudyandigere dzavo, kushanda vakawanda, iri kushingaira kufarira mamiriro nenhoroondo dzavo mudyandigere Fund, anoedza kuwedzera mari hurumende ramangwana kubva 2006. Yezwi NPF kuti vatengi vazhinji ndiyo chete nzira yokuwana vakadzikama kubatsira uye haiiti pacharo mune zvemari mari pakukwegura.

NPF "Kubvumira" iri tanga kwayakaita chikuru Kuisa vakaisa mutengi kugutsikana uye basa yepamusoro vimbiso dzakakwirira anodzoka. Zvechokwadi, indexation kwakadaro (pamusoro 30% chete annum) aisagona kuzvirumbidza chero mudyandigere Fund. Zvisinei, somugumisiro chido kugamuchira kupfuura vanopa, vakakunda "kodzero" nzira kukura uye kwakaita kuti chokwadi kuti zvibvumirano kuti shanduro mudyandigere akatanga kugumisa guru kwazvo. Mubereko kambani akakura, nhamba vechikamu yakawedzera exponentially, asi vashoma vakaita yezwi NPF pachavo.

Negativity, kuvhiringidzika uye Nokureva vasingabvumirani rinonyengera Misimboti vamiririri kwakaita kuti ndechokuti indekisi kuti mutengi kusagutsikana yakawedzera zvishoma nezvishoma, uye mugumisiro ikaonekwa nzvimbo mamwe vanotsigira mashoko. Reviews pakati kubiridzirwa nemakasitoma pamusoro pomumbure kuramba kubuda, uye ikozvino, sezvo basa mari kwakapararira. Ndianiko mhosva iyi ezvinhu?

Chekutanga, kugumisa zvibvumirano vazhinji, pasinei kusada kwenyika vatengi, vamiririri inishuwarenzi kunoda utariri rine, avo maonero, zvinangwa chinzvimbo, zvichikurudzira vashandi shoma uye yokuwedzera bonuses. Asi tsika zvikazooneka Zvakasiyana - nevasori vakanyengerwa yake yakasimba, rave iro akabvumira kunonoka Payroll uye asinganzwisisi kuramba kubhadhara.

Chechipiri, makwikwi makuru ari mudyandigere pamusika kazhinji kunotungamirira kune yokuti private mari vanomanikidzwa kushanda panheyo "akasimba richapona", saka kugara yerera, vachida zvokubata vorongerwa ake, tagutsikana yemakambani mudyandigere zvirongwa masangano rose kana kupa nakisisa mamiriro ( kunoshamisa goho mamwe mipiro nokuda rakasimba, basa).

Kushanda vakawanda, vari hanya zvaitika zvavo ramangwana evanhu kuchengeteka zvipo, zvino unofanira nechokwadi chokuti chii kambani vachava pamudyandigere. Uye pakusarudza mari, vainyatsotarisirwa inofanira kubhadharwa kune zvakasimba ruzivo, Rating kuvimbisika, mutengi ongororo uye nhamba yavo yose. Kwete hazvo kuva "chinyararire mhando", kutya kuramba asina mudyandigere mune ramangwana - hurumende anovimbisa vakachengeteka mazano achishandisa chokumbofanobata hurongwa, uye mwero yokudzoka kubva FIU dererei zvikuru kupfuura NPF.

Asi regai kukundwa vanonyengedza mazano, izvo Vakazova nevasori NPF "Kubvumira", uye kusaina magwaro kukurumidza, pasina kuongorora kana nyaya kupokana kutendeseka maneja wacho. Kurasikirwa dzakava kufarira uye achifamba hochekoche murayiro - kwete kupfuura inofadza, uye kushandisa pachako, kuongorora zvose zvinobatanidzwa uye zvaidiwa asiri ehurumende Fund, hakuzovi kwakaoma uye haangazvidembi kutora nguva yakawanda.