Iminikelo yesikhwama sempesheni kanye nendlela yokuphatha ukonga

Ngesisekelo impesheni esizayo zonke izakhamuzi WaseRussia ukwenza iminikelo esikhwameni sempesheni, okuyinto uhlu abaqashi kwi akhawunti siqu umsebenzi. Le nkokhelo ngokuthi 'umshwalense iminikelo eziphoqelelwe. " isisebenzi ngasinye oVikelwe umuntu isitifiketi yomshuwalense nge izinombolo ezingu-11 we-akhawunti siqu. Kwenza iminikelo nyangazonke, okuyinto ngo-2012 zaba 22% yesikhwama ngonyaka umsebenzi osetshenziselwa amaholo.

Iminikelo yesikhwama sempesheni zenziwa, uma izakhamuzi Russian kanye nomfokazi Russia:

• Basebenza ngaphansi imigomo yenkontileka umsebenzi;
• Basebenza ngaphandle kwezwe, kodwa akhokhe njalo iminikelo yesikhwama sempesheni;
• ingabe abefundisi;
• Siqukethe emiphakathini amancane abantu eNorth wahlanganyela amagatsha kwezomnotho bendabuko.

Umthetho bavunyelwe ngokuzimela ahlinzeke indawo yomsebenzi, uyazisebenza noma oxhumene abazimele. Kulokhu, iminikelo esikhwameni sempesheni, SP ukhiqiza yayo futhi okhokha isamba esithile, lapho ngo-2012 kukhokhelwe namarisidi ezimbili: 922,2 ruble ngenyanga wawuyingxenye izinkokhelo umshwalense futhi ruble 276,66 - the accumulative ingxenye. Usomabhizinisi ngamunye ongakhokhela iminikelo ngekwata noma kanye ngonyaka, ngokugcwalisa ifomu PF "intela PD-4sb".

Kwabelwa kuya sempesheni kusukela ukunyuselwa amaholo kanye nenani izinkokhelo umsebenzi endaweni yomsebenzi okhokhelwayo. Yingakho ukubaluleka impesheni esizayo zingandiswa. Uma indoda isebenza isebenza ezindaweni eziningana, iminikelo esikhwameni sempesheni zenziwa ngamunye wabo futhi aqondiswe-akhawunti eyodwa siqu. Ngenxa lemali ethize iqinile, kodwa hhayi ngemali yangempela. Le mali - isiqinisekiso impesheni esizayo. Lezi zimali zisetshenziselwa ukukhokhela izimpesheni kulabo abahola impesheni asebethole sokumpeshena. Isimo ophethe i indexation yaminyaka yonke ingxenye yempesheni, okuthiwa umshuwalense.

Iminikelo yesikhwama sempesheni ingenziwa ngomshuwalense futhi ngaphezu kwalokho, uma umuntu eyicela ebhaliwe umsebenzi. Ngakho kuzokhulisa ingxenye accumulative impesheni. ithuba okunjalo inikezwa ngalabo abazalwa ngemva 1967, okuvumela asemasha ukuba unakekele bebodwa ukwandisa impesheni yabo. Lezi zimali musa ukuya yokukhokha kwezimpesheni ukuba umhlalaphansi zamanje, kodwa kungenzeka etshaliwe ngamasheya, izibambiso, okusho iyitshalwa ngoba siphindaphindeka izimali zabo.

Ukuphathwa yempesheni ezibanjwayo:

• ukusebenza izinhlangano, ukuze ninciphise iminikelo Pension Fund Russia;
• ngokungabi bikho izinkokhelo ezinjalo ngumqashi ukunikelela yesikhwama sempesheni eyabo;
• ukulawula wakho akhawunti siqu ngokusebenzisa portal inthanethi noma ngokusebenzisa uhlelo isaziso izinhlamvu, okuyinto minyaka yonke ithumela PF abantu kwesamba;
• ukulawula ekuqongeleleni, okuyinto ezibekwe kule iqembu control. Uma kungenjalo eyanelisayo, sebenzisa ingxenye accumulative impesheni, ungakwazi ukushintsha inkampani ukuphathwa;
• ukwandisa ubukhulu babo ngoba abantu abaye basebenza iminyaka 30-40, impesheni lingaphezulu kakhulu kunalokho for labo abe lama- 5-10 iminyaka unogada elidala;
• sebenzisa lelo thuba uhlanganyele ukuhlanganyela ohlelweni lukahulumeni co-ngezimali kwezimpesheni ukuthi ekuqinisekisa 100% ukubuya on utshalomali yakho: ekukhokhweni ruble ayizigidi ezingu-12, isimo unezela esilinganayo okwagcina kufana ayizinkulungwane 24 ngonyaka;
• iqhaza izikimu impesheni yangasese - ukudala ngokwakho impesheni eyengeziwe, okuyinto ingatholakala isakhamuzi, ngisho noma engazange kwakhiwa ingxenye impesheni kuxhaswe Pension Fund yeRussia.

Iminikelo yesikhwama sempesheni - kuyisihluthulelo impesheni esizayo. Kungaba ukuqala ukwakha iyiphi nsizwa, waqale wayosebenza futhi ithole umholo wami wokuqala.