Mipiro mudyandigere Fund uye kushandisa mari

Hwaro ramangwana pensions wese ari Russian Federation kuti zvipo kuti mudyandigere Fund, iyo nyorai vashandirwi pamusoro pachavo nokuda mushandi. kubhadhara izvi vanonzi "inishuwarenzi zvairayirwa mipiro." mushandi mumwe nomumwe ari insured munhu ane gwaro inishuwarenzi ane 11-digit nhamba pachake nhoroondo. Zvinoita pamwedzi mipiro, izvo 2012 chakaita kuti 22% gore negore mari mushandi mubayiro.

Mipiro mudyandigere Fund zvakaitwa, kana vagari Russian uye vatorwa anogara Russia:

• Vanoshanda pasi chibvumirano mabasa chibvumirano;
• Vanoshanda kunze kwenyika, asi nguva dzose kubhadhara mari kuti mudyandigere Fund;
• vafundisi;
• Inoitwa munzvimbo duku uye vanhu North vaiita tsika mapazi zvoupfumi.

Mutemo waibvumira kuti vakazvimirira nzvimbo basa, kuzvidzora basa kana mubasa private tsika zvinopa. Panyaya iyi, mipiro kuti mudyandigere Fund, SP unobereka yayo uye inobhadhara ne-, izvo 2012 inobhadharwa pakutengeserana maviri: 922,2 rubles pamwedzi yaiva chikamu kubhadhara inishuwarenzi uye 276,66 rubles - the accumulative chikamu. Munhu entrepreneur anogona kubhadhara mipiro pamusoro Quarterly kana kamwe pagore, nokuzadza muchimiro PF "PD-4sb mutero".

Allocations kuti mudyandigere Fund kubva mubayiro kuwedzera pamwe chitsama vachibhadhara kuti mushandi panzvimbo nounyanzvi basa. Nokudaro kukosha yemberi mudyandigere anogona ngazviwedzerwe. Kana kushanda munhu kushanda munzvimbo dzinoverengeka, mipiro kuti mudyandigere Fund zvinoitwa mumwe wavo uye vari kuendeswa kune imwe chete woga nhoroondo. Nokuda chaiyo mari wakaiswa, asi kwete mari chaiyo. mari iyi - runovimbisa ramangwana mudyandigere. Mari iyi inoshandiswa kubhadhara pensions kune avo pensioners vanenge ratosvika mudyandigere zera. Hurumende akabata wegore negore indexation ari chikamu mudyandigere, unonzi inishuwarenzi.

Mipiro mudyandigere Fund anogona kuitwa kuburikidza insurer uye mukuwedzera, pamusoro chikumbiro zvakanyorwa pamusoro mushandi. Saka achawedzera accumulative chikamu mudyandigere. Kwakadaro mukana inowaniswa pevakaberekwa pashure 1967, iyo anobvumira chizvarwa chevechiduku kutarisira pachavo kuwedzera mudyandigere wavo. zvitsama izvi havaendi kuripwa pensions kuti ano pamudyandigere, asi vanogona paakapiwa mumigove, kuchengetedzeka, kureva anofanira paakapiwa nokuti vachiwanda upfumi hwavo.

Management kuti mudyandigere mari:

• kushanda masangano, kuti bvisa mari kuti mudyandigere Fund kweRussia;
• pasina mari yakadaro nokuda mushandirwi kuti mipiro kuti mudyandigere pavane yavo;
• kudzora kwenyu nhoroondo pachako kuburikidza paIndaneti portal kana kuburikidza ziviso gadziriro mabhii, izvo pagore anotuma PF insured vanhu;
• kudzora kuunganidza, iyo inoiswa kudzora boka. Kana asina dzinogutsa, kushandisa accumulative chikamu mudyandigere, unogona kushandura utariri kambani;
• kuwedzera ukuru hwavo nokuti nokuti vanhu vakashanda kwemakore 30-40, kuti mudyandigere kwakakwirira zvikuru kupfuura vaya vane zvishoma pamusoro 5-10 makore murindi makumi;
• shandisa mukana kubatanidzwa mupurogiramu wehurumende co-mari pamusoro pensions kuti achisimbisa 100% richadzokera pamusoro mari yako; kuripwa 12 zviuru rubles, hurumende anowedzera zvakaenzana, izvo pakupedzisira yaiva 24 zviuru pagore;
• Mukusanganira private mudyandigere Zvirongwa - ndiko kuti asike muzviitire okuwedzera mudyandigere, izvo zvinogona kuwanikwa munhu mugari, kunyange kana asina kuumbwa chikamu mari mudyandigere kuna mudyandigere Fund kweRussia.

Mipiro mudyandigere Fund - ndiyo kiyi imwe mudyandigere ramangwana. Zvinogona kutanga kuumba chero jaya, iye akatanga kuenda kunoshanda ndokucherera Mari yauchatambira yangu yokutanga.