I umshwalense ingxenye izimpesheni uxhaso: ungashada kanjani lo mbhangqwana ukwandisa

Modern uhlelo impesheni Russian yakhelwe ukuze izakhamuzi bathoma ukucabanga impesheni esizayo ekuqaleni umsebenzi. Ngalesi yobudala isivele kungenzeka ukuba senze okuthile ukuze bazondle ngokwabo kakhulu eminyakeni yokuguga. Futhi lokhu udinga siqonde ukuthi ziyini impesheni yakho esizayo ngokuhambisana nomthetho (okuyinto base, umshwalense ingxenye yempesheni, nokuthi kuyinto nomthelela), indlela ukwandisa, noma kunalokho ingxenye ethile kuyo. Kuyadingeka ukuba baqonde indlela ezibanjwayo futhi yini engenziwa ukwandisa inani i-akhawunti yakho yempesheni.

Usayizi impesheni kuncike hhayi kuphela ngesikhathi kodwa futhi ezingeni inkokhelo, kanye ngeminikelo yokuzithandela (iminikelo) plus imali ngokweqile uma utshala imali (uma uya ku-isenzo ekuqongeleleni akhawunti yakho yempesheni).

Pension yakhiwa ingxenye isizinda, ezinye umshwalense - saziso (umshwalense ingxenye) kanye ezengeziwe (ekuqongeleleni iminikelo). I umshwalense ingxenye yempesheni yakhiwa ngeminikelo of umqashi igama lakho Pension Fund (22% wemali, okuyinto ecishe ibe yizinkulungwane 5. Per ngenyanga). The eside lezi ezibanjwayo zizokwenziwa, kulapho ukhokha, ayanda ezingeni zomshuwalense ingxenye impesheni yakho. Ukuze sifinyelele miphumela, unikezwa ukuthi iholo ilungu amaholo, cishe akunakwenzeka.

Kodwa impesheni kufanele ngokwanele hhayi kuphela ukudla, Umbuso indawo izikweletu, kodwa futhi imithi, izipho izihlobo nezinye izinzuzo. Ngakho-ke, i-umshwalense ingxenye yempesheni ngaphandle ekuqongeleleni alinikezi ukuphila okuvamile emva kokuphothulwa umsebenzi.

Engeziwe umsebenzi iminikelo uvumele, izoba yingxenye yalo yempesheni esizayo uxhaso kanye nokusekelwa State (amaphrimiyamu kuthiwa kabili - "1000 1000"). Wonke umsebenzi yazisiwe lokhu kungenzeka e 2010-2011 umqashi wazo. Uma namanje angazi kanjani ukubamba iqhaza lokuchibiyela umshwalense impesheni uhlelo, sicela uxhumane sempesheni lakho lendawo. Kuze Okthoba ngonyaka ozayo (2013) kungenzeka isicelo Russian PF ukubamba iqhaza ohlelweni yempesheni co-ngezimali. Njengoba ukudluliswa lokukhokhela isitolimende sokuqala eminye iminyaka 10, ungase uhlale abhaliwe ohlelweni. Into esemqoka - ukuze wenze hhayi ngaphansi kuka-2 ayizinkulungwane ngonyaka yesikhwama sempesheni lemali umnikelo liphindwe kabili ngezithukuthuku isabelomali ..

Ngaphezu kwalokho, ekuqongeleleni (umshwalense ingxenye yempesheni awubalwa) angadluliselwa kusukela yesikhwama sempesheni emva kweminyaka 10 kule nkampani non-state ngoba inzuzo engaphezulu. Phatha, esitolo kanye buthelela impesheni yakho esikhathini esizayo manje olunikezwa izinhlangano eziningi (izimali zempesheni, umphakathi noma cha, kanye nezinkampani ezizimele). Izinhlelo ezifanayo ezikhona ezinkulu ezinhlanganweni-abaqashi njengengxenye ukubhekana nosizo lomphakathi. Isimiso somhlangano ngamunye "okuqinisekisiwe" ukuvikelwa wenzuzo okwandisa imali imali. Akubalulekile ukuthatha lezi amazwi akha ukholo, ikakhulukazi kusukela sikhuluma ngekusasa lakho. Lapho kuyomelwe akekho ukubala baragele phambili.

Ngakolunye uhlangothi, it ayenzi lutho - hhayi ikhambi noma. Qaphela futhi khumbula, ungahlala ukukhansela inkontileka bese ubuyela eminikelo, futhi imali engenayo evela kubo (uma kwakungenzeka lokhu iye yatholakala ngezincwadi inkontileka).

I umshwalense ingxenye yempesheni zabasebenzi lihlukile ezuziwe ngalolo ngowokuqala ichithwa yokukhokha kwezimpesheni kwamanye umhlalaphansi (lamanje) Imininingwane uhlala kuphela kangakanani isimo kuyodingeka bakhokhe uma uyothatha umhlalaphansi. ingxenye Ixashwa awasaphazwa, futhi aqoqana. Ngakho-ke, mayelana umonakalo zayo ezisemqoka imali yakho nalapho esegugile kungabangela ukwenyuka kwamanani ezimpahla.

umshwalense impesheni kuyindlela engcono aphume nesimo esinzima sezomnotho ezweni. Perfect isimo lokuketula uhulumeni maqondana kohlelo impesheni kwakudingekile ngandlela-thile okunengqondo, ngoba manje wonke umuntu, uma uthanda, bakwazi ukwandisa imali engenayo ngemva kokuthatha umhlalaphansi, ukuhlinzekela sebegugile. Ngaphambili lokhu kwakungenakwenzeka (nakuba ngaphambili kanye nempesheni kwakubangelwa ngaphezulu Ngokuphathelene nomahluko okhona egameni labantu abasebenzayo kanye umhlalaphansi).