"Imvume" (NPF): impendulo amakhasimende nabasebenzi. NPF "Imvume" - indlela sephule inkontileka?

Isikhwama "Imvume" ekusebenzeni emakethe umshwalense kusukela ngo-1994, futhi ngaleso sikhathi amaklayenti yakhe kukhona abantu abangaphezulu kuka-176 eziyinkulungwane. Kusukela ngo-2010, ngaphezu izivumelwano nempesheni NPF "Imvume" inikeza ngamasevisi umshwalense nangenkomba ka OPS esizayo ukonga. Kwenzeka kanjani lokhu? Ngesikhathi isivuno 2011th ka APF "Imvume" kwaba eziphakeme kakhulu kuleli zwe - ezingaphezu kuka-33%. Ngo-2015, inkampani saphela imisebenzi Umhlalaphansi futhi Umshwalense kusukela ukwesulwa kwelayisensi Central Bank. Kuze kube yileso sikhathi, imisebenzi inkampani "Imvume" (NPF) Izibuyekezo ikhasimende kwatholakala ukuthi azinaso ngenxa ngokweqile ukuphathwa inqubomgomo kwezohwebo, injongo eyinhloko kwaba kuphela ukuthengisa imikhiqizo umshwalense.

Inkampani Imininingwane

Eminyakeni engaphezu kwengu-22 nakho nempesheni inkampani yomshuwalense NPF "Imvume" wayaziwa kakhulu phakathi amakhasimende futhi phakathi izimbangi ngenxa inqubomgomo esebenzayo wenkampani ngoba izinkontileka ezintsha. Pension ukonga emabhange zivikelwe umshwalense idiphozi, okungukuthi, amaklayenti abe 100% isiqinisekiso sokukhokha imali esinqunywe ngokuvumelana wengxenye uxhaso umhlalaphansi.

Phakathi khona lenhlangano lwabantu abangaphezu kuka-176 eziyinkulungwane adluliselwe imali yabo yokugcina NPF "Imvume". kheli nkampani (ikomkhulu laseMoscow), website esemthethweni, kanye namahhovisi ezengeziwe 2015 futhi ayikasekeli aphendule izicelo zamakhasimende futhi ayifanele. It kuyafaneleka ukucabangela nokuthi kungani kwenzekile lokho.

Naphezu kweqiniso lokuthi ngonyaka odlule NPF "Imvume" ilayisensi isivele sihoxisiwe ekupheleni 2014, abantu abangu-29 wakwazi ukuthola by izinkokhelo OPS inkontileka inani ruble 858.610. Ngaphansi izinkontileka ukuhlinzeka kokufakwa ohlwini ezenezelwe zomshuwalense ukwesekwa non-state, izinkokhelo abangu enqwabelene e 1168 kumakhasimende inani ruble ezingaphezu kuka-3.17 million.

Eyisamba izinkokhelo, unikezwa nangenkomba okusezingeni eliphezulu ukumela ukugcwaliseka izibopho ukuba izimali, futhi ngaphakathi kohlaka Kulokhu cishe ehlukile okuqinile, njengoba iningi "amasimu" inkampani "Imvume" (SPF) izilinganiso emabhange akuyona uyababazeka.

Ukuhlanganyela simo uchwepheshe ejensi

Ukuthatha iqhaza izilinganiso amasevisi kontanga, izinkampani ancike yokuthi bayokwazi ukubonisa ikhono lazo ukukhokha kanye nekhono ukuhlangabezana nezibopho emabhange. Ngaphezu kwalokho, izinkulumo ezingeni eliphezulu mayelana nesimo sezimali oluzinze nekwenyusa ukwethembeka amakhasimende kanye Isikhwama yamalungu ezingaba, ngubani kunamathuba amaningi okuthi zisebenze inhlangano ezicwaningiwe.

Ngo-2014, inkampani renkingovaya enethonya "Isazi RA" uye yaklonyeliswa NPF "Imvume" simo ezingeni eliphezulu ngokuthembeka - A. Ngonyaka olandelayo, le sibalo iye yaqinisekisa nje isikhwama engakaze ilayisensi ihoxisiwe ukuhlinzekwa kwezinsizakalo impesheni. Isisekelo isinqumo esinjalo sokwenziwa kwezinto zibe Central Bank, njengoba umthetho, kungukuphula esobala izimo yesikhwama sempesheni yesivumelwano umshwalense - yokuntuleka Ukusabalala zezimali, ukuhlinzeka izinkokhelo esizayo emabhange ngubani wanikeza indexation izinkampani impesheni ukonga, izikhalazo ezivela kumakhasimende, ukudluliswa imisiwe kolwazi mayelana nenkampani.

inqubomgomo yesiKhwama okwandisa amaklayenti asebenzayo ayehla ngqo okuhloswe ngaso edonsa kubatshali bezimali abasha ngakulahla nganoma iyiphi indlela, lapho mayelana NPF "Imvume" Izibuyekezo lingama ezimbi.

akhawunti Siqu NPF "Imvume"

Ngokungafani nezinye izimali, nokunikeza ulwazi zimali kuphela zokuvakashelwa azikhandle noma nge e-mail, i-fund ezingekho ngaphansi kukahulumeni "Concord" has a akude ukufinyelela isiteshi iklayenti imali yempesheni - "Pension Terminal" umnikeli.

Ukuze uthole ukwaziswa okuthakazelisayo mayelana yokonga yempesheni, iklayenti kumele ubhalise kwi website SPF, ngokugcwalisa ulwazi olufanele mayelana ngokwabo (igama, iphasipoti SNILS njll). Ngemuva kokubhalisa ikhasimende inthanethi ungathola ulwazi mayelana nesimo se-akhawunti. Ngaphezu kwalokho, umsebenzisi angakwazi ukuxhuma SMS-newsletter ukuthi uzokwazisa ngamunye irisidi entsha izimali kanye akhawunti washintsha. Abatshali bezimali ukuthi ngenkathi ekuhumusheni ingxenye uxhaso wathola ikhadi elalibhalwe ukuthi ukungena "Pension Terminal" kusukela Isikhwama, okuqukethwe service. Lena kungase kwenzeke into eyivelakancane lapho imisebenzi ye NPF "Imvume" Izibuyekezo ikhasimende babe sokweluleka ngokwemvelo.

Ukubuka kusuka ngaphakathi. Sebenza NPF "Imvume"

Umsebenzi iyiphi inkampani enkulu ukuthi imatasa yokuthengisa imikhiqizo lalolo, ngokuyinhloko okuhloswe ngaso owenza inzuzo kanye nokwenyuka kwenani amakhasimende amasha. sempesheni Okuyimfihlo - iyathinteka.

Kuyi-Internet, ngaphezu izimangalo zimali niphanjwe, ingase futhi ukuhlangabezana abasebenzi yangaphambili amazwana NPF "Imvume". Impendulo evela abasebenzi imisebenzi yenkampani kuhambisane umbono iklayenti - inqubomgomo okuqinile Luhambo, ukwanda isibalo ops kanye lenhlanganiso ezizimele zodwa ngakulahla nganoma iyiphi indlela inqubomgomo umshwalense yokuthengisa (kuhlanganise esebenzisa nenkohliso), ukugcwaliseka kwemibandela ngokuvuma okuhloswe. Ngokwe amazwana lwabaphathi futhi izinkampani zomshuwalense, ukuphathwa inkampani qakala konke ngaphandle ukuklanywa imikhiqizo emisha. Azikho izinkinga yempilo noma izimo ezithile umndeni ezichazekayo izimo esimweni non-ukugcwaliseka yokuthengisa for the NPF "Imvume".

Izibuyekezo namanxusa bangabantu ngazwilinye: umsebenzi inkampani buhle, ezidinga ukucindezeleka, nokuzidla, ikhono ukuthuthukisa inkonzo ngisho kulabo amakhasimende ababengenaso isithakazelo kuhleliswa kanye ekhuluma lokhu ngqo. Ngaphezu ezinzima emkhathini yangaphakathi - ukubambezeleka njalo yokukhokha kanye amabhonasi isiphelo sesimiso izivumelwano, ukungabi bikho kokukhanya iziqinisekiso nokuxhaswa ubuholi, ukungeneliseki zokuziphatha ngomsebenzi wakhe.

Sucker Punch, noma kanjani NPF "Imvume" enwetshiwe iklayenti ukugeleza

Kusukela ngo-2010 (nge kokuqala yokuthengisa asebenzayo kwemikhiqizo emisha imisebenzi ejenti ukwenza izinhlelo ezinkulu ukukhuthaza nomshuwalense) futhi amazwana samanje savers ivele ku-Inthanethi, okuyinto abaphathi ngomgunyathi ophoqelelwe ukuze uthumele iminikelo yempesheni OPS futhi NGO "Imvume" (NPF) . Izibuyekezo zabantu ukukhohliswa mayelana wathembisa inkampani ngokuvumelana amaklayenti nge zifana emangalisayo ukuphinda nomunye bese abe umbala esibi kakhulu.

Kusukela komunye nomunye ngobuqotho ukuheha inani elidingekayo amakhasimende abakulungele kufanele idluliselwe inkampani benezinto inqubomgomo opaque ayisebenzanga, amanxusa amaningi asebenzayo baye basungula uhlelo ekhethekile kwaba yimpumelelo enkulu inzuzo enkampanini, kodwa kuyinto nenkohliso esisobala abahlanganyeli entsha ohlelweni. Umqondo uwukuthi kanje: umshwalense ejenti ezicashe kwabasebenzi Pension Fund ukwenza emnyango-dlula, ephoqa abanikazi ukukhipha ikhadi ekhethekile ukungena "I-akhawunti yami" RF Sempesheni esibhalisiwe. Ngokusho yetinsita le "pass" isayithi bebelokhu okuyimpoqo ehhovisi FIU ukuze uthole wonke amakhasimende, futhi isikhathi eside, kodwa ngasizathu simbe ke akwenziwanga. Ngemva kwalokho iklayenti ngemvume iphakheji kwemibhalo enikeziwe, kusolakala ukuthi eqinisekisa Ukukhishwa leli khadi, futhi isisekelo abasebenzi bazama zesundu off izinkontileka ngesikhathi esingesihle kakhulu noma ungakhululekile umzuzwana, zimali ukuthi wayengahlosile ithuba lokuyofunda ke. Thola isiginesha yakho oyifunayo, ama-ejenti wafuna ngokushesha ngangokunokwenzeka ukuze aphunyuke.

Ngenxa yalokho - ikhophi yesivumelwano (futhi ukuthi akukhona khishwa kuze bonke amaklayenti) esiKhwameni, hhayi zamanje nenombolo yocingo umsebenzi, umuzwa wenkohliso nokudumazeka namazwana omubi imisebenzi inkampani "Imvume" (amazwana izinkundla namawebhusayithi ku impesheni yezakhamuzi Russian).

Enye legend - lzhetrudoustroystvo

Ngaphezu izindaba zimali niphanjwe bazwakalise washelela kanjani bavumelana ukuhambisa ngqo NPF endlini yabo, i-Inthanethi inikeza okuningi amazwana isihloko kudivayisi akuphumelelanga ukusebenza lapho edilini lomshado kwemibhalo edingekayo ukuthuthela NPF "Imvume". Izibuyekezo kwiKhasimende ngazwilinye: imfudumalo, ukulungiswa tekusebenta kwemibhalo, kusolakala nihlola umsebenzi, kwahlaluka ukuthi "izintaba osemqoka". Futhi esikhundleni konke lokhu - isitatimende ukundlulisa OPS uhlelo yesikhwama sempesheni.

Ngamanye amazwi, kungcono ukukhwabanisa scheme, ogxile isifiso abaqashwa ukhethe izilungele (njengoba esikhangisweni ngempela zibonisa kuphela izimo ezikahle of umsebenzi). Njengomthetho, amakhasimende ukungabaza mayelana nokushaya khona isinyathelo sakhe zenzeka cishe ngokushesha ngemva kokuphuma ehhovisi, lapho ezandleni isivumelwano angathandeki nge NPF "Imvume". Izibuyekezo zifana ngakho komunye nomunye, futhi akungabazeki ukuthi yileso mayelana lokuthi kwakungeyona kwesenzakalo uJehova angenela kuso, futhi ukuthuthukisa isu ukuheha izimali ezintsha, asivelanga.

Njengoba ejenti wathola amakhophi amadokhumende kusukela iklayenti ukuya NPF "Imvume"?

Ukubukeza imisebenzi NPF "Imvume", ukubuyekezwa zabantu asizwa lokhu izimali ezingekho ngaphansi kukahulumeni, ungase uthole ukuthi konke amaphuzu yokuthi ekuphetheni isivumelwano ne-ejenti wathatha izithombe kwemibhalo kuselula yakho, ngokushesha ngangokunokwenzeka ukuze asayine isivumelwano ne iklayenti entsha. Okungukuthi, abangabantwana zimali kwaba kuphela imizuzu embalwa ukuqonda okwenzekayo, futhi uma ngalesi sikhathi esifushane, akazange abe nesikhathi ukuthola ukuthi izimpawu, ingxenye uxhaso eminikelo esizayo idluliselwe surgically ehhovisi NPF, futhi ngemva iklayenti isiqinisekiso (esibizwa i-SMS ikhodi opharetha, njengoba ikakhulukazi ngaphandle kokuqonda okwenzekayo) ukudluliswa sokugcina yangasese inkampani ukuphathwa impesheni.

Kangakanani ushintsho kusukela FIU e inkampani non-state "Imvume"?

Ngemva kokungena ngemvume imibhalo, eqinisekisa incazelo yesivumelwano e OPS NPF, abanikeli abaningi babekhathazekile ngalokho isikhathi futhi kwenzeka kanjani ukuba ukudluliswa wokugcina kwenye Isikhwama. Ukuze zonke izinkampani ezizimele (izinkampani ukuphathwa, izimali ze-non-state, kuhlanganise "Imvume" (NPF), ukubuyekezwa zazo kubonisa ukuntula ukuqaphela amakhasimende mayelana nendlela uthumele ingxenye uxhaso impesheni) imithetho efanayo kanye Indlela yokudlulisa yempesheni: ngemva kokumukisa izivumelwano ngemvume iklayenti, futhi amakhophi amadokhumende yakhe izinsuku ezimbalwa ngaphambi kokuba isimiso umhlanganyeli OPS kufanele ushayele u-opharetha futhi sicele isiqinisekiso isifiso sokuguqula kulesi sikhwama. Njengoba isiqinisekiso kuyodingeka futhi ucacise idatha dokhumenti (SNILS lengwalo) kanye nekhodi ekhethekile iza ngesimo SMS-imiyalezo ngemva kokufaka ulwazi mayelana umphathi omusha iklayenti.

Ngaphandle kokuqinisekisa siqu noma uma kwenzeka ukwehluleka ukunikeza ulwazi oludingekayo ukuze ingxenye uxhaso kwezimpesheni izohlala umsebenzi ku Isikhwama odlule. Imininingwane Nokho, i-Internet ishicilelwe amacala eyaba yisimanga kwenye NPF ngaphandle kwesibopho sokwazisa ukuthi (uma iklayenti alivumelani) kungukuphula phezu ingxenye umzuzi, futhi zingase ziqale ukubonakala engakapheli ukukhwabanisa. Ukuhambisa ngale ndlela kungaba kwenziwe kuphela uma ebucayini idatha amakhasimende kanye ejenti ukukhwabanisa umshwalense, ekhomba inombolo yocingo lapho isaziso kufanele eze, i-SIM khadi yakho, noma yimuphi omunye ikamelo (ngokucacile hhayi okuqondene depositor).

Ezingekho ngaphansi kukahulumeni Isikhwama "Imvume": ekunqanyulweni

Amakhasimende amanxusa umshwalense ngomgunyathi ophoqelelwe ukuze uthumele accumulations yazo yempesheni esikhwameni eyodwa kuya kwenye, ngemva kokubona lokho okwenzeka ngokushesha nje nesithakazelo imibuzo mayelana nendlela ukuphuma NPF "Imvume" iwukuba sephule inkontileka kwi shintsho NPF.

Ngaphambi ukwesaba futhi baphonse engakhi kwabasebenzi ISIMEMEZELO-isikhungo, zimali kufanele uqiniseke ngazo izimali zempesheni manje ekuqongeleleni yayo. Ukuze wenze lokhu, shayela inombolo yamahhala hotline FIU futhi balawule imininingwane kwemibhalo (ipasipoti SNILS). Ngokuvamile, ukuhumusha NPF ezingase zithathwe kuphela ngemva kokuqinisekisa yi umhlanganyeli zohlelo, okufanele ngokuthi ikhodi ye-SMS imiyalezo futhi ulwazi olufanele (ngaphandle kwe-izimo ezibalwe ngenhla lokukhwabanisa phezu ingxenye abasebenzi NPF). Uma kungekho isaziso efonini ikhasimende itholiwe, noma uma ucingo oluvela kuchwepheshe, wenqaba ukuhambisa, ingxenye accumulative kokukhokhwa kwempesheni esizayo siyohlala Isikhwama odlule.

Uma iklayenti kwakusadingeka isikhathi ukuqinisekisa shintsho, iminikelo yayo ngeke adluliselwe inkampani ukuphathwa nekwata 1st konyaka ozayo, futhi ngaphambi kokuphela isikhathi oyokwenziwa ikhumbula indexation we nenzuzo samanje inkampani. Ngakho, ngemva kokuphelezelwa yokuqinisekisa, esimweni ukwenqena ukuhambisa kube sikhwama entsha, kubalulekile ukusebenzisa eMnyangweni we RPF, ukuze ulondoloze ukuhumusha imali yabo e isicelo olufanele. Nokho, kufanele sikhumbule ukuthi ekuqaleni ngekota 1st konyaka ozayo, isitatimende, yini eyaba khona kuqala, futhi izokwamukelwa. Ngakho, kukhona ingozi ukuya kwenye inkampani, uma isicelo uthunyelwa ngesikhathi. Ngaphezu kwalokho, ngaphansi komthetho we izakhamuzi Russian Federation Unelungelo ukushintsha yesikhwama sempesheni akuyona ezingaphezu kuka 1 isikhathi ngonyaka.

Ngakho ufuna ukugqashula off bonke elala NPF "Imvume"? Indlela sephule inkontileka, ke kuzosenza ulwazi olulandelayo: Ungenza kubuye ingxenye uxhaso (kuncike esikhathini sanje yeziboshwa) ngokukhuluma website esemthethweni inkampani. Nokho, ngokuqondene ne lokuhoxisa kwekhasi Isikhwama ilayisensi kuwebhu alibuyekezwa, ngokulandelana, inqubo kwathatha usuku ayifanele.

NPF "Imvume": njengoba "zigoqiwe" abahle

Efuna ukuthola ukwanda okuhle impesheni yabo, inani labantu abasebenza, okuyinto ngenkuthalo nesithakazelo isimo akhawunti abo e-Pension Fund, uzama ukwandisa izinkokhelo uhulumeni esizayo kusukela ngo-2006. Inguquko kuya NPF ngoba amakhasimende amaningi kuwukuphela kwendlela ukuze uthole izinzuzo ehloniphekile futhi alugcini nje in izindleko zezimali kakhulu eminyakeni yokuguga.

NPF "Imvume" kusaqalwa womsebenzi walo lezinto ezibekwe eqhulwini eyinhloko sibeke ukwaneliseka amakhasimende kanye service izinga isiqinisekiso uyabuya okusezingeni eliphezulu. Ngempela, indexation enjalo (ezingaphezu kuka-30% ngonyaka) ayikwazanga ukuziqhayisa iyiphi yesikhwama sempesheni. Nokho, ngenxa isifiso sokuthola izinto eziningi kunalezo abanazo ukunikeza, anqoba ngayo "kwesokudla" indlela yentuthuko futhi kwaholela yokuthi izivumelwano ukuhunyushwa umhlalaphansi waqala ukuphetha e inqwaba. I inzuzo lenkampani wakhula, inani labamba iqhaza wakhula exponentially, kodwa baye benza kwathatha NPF bebodwa.

Engemihle, ukukhungatheka ukungavumelani khuluma nga kho izimiso okukhohlisa ejenti kwaholela eqinisweni lokuthi Inkomba ikhasimende ukungeneliseki anda kancane kancane, futhi umphumela kusayithi nemininingwane esekela ngaphezulu. Izibuyekezo amaklayenti niphanjwe kunethiwekhi uqhubeke ukuvela, futhi manje, njengoba umsebenzi yesikhwama kuyinto ejwayelekile. Ubani obangela kulesi simo?

Okokuqala, ukuphetha izinkontileka ngamanani amakhulu, naphezu ukwenqena amakhasimende, amanxusa umshwalense idinga ukuphathwa ukuthi buya Ngokombono wabo, imigomo enokuzimisela, kwamshukumisela abasebenzi premium futhi amabhonasi ezengeziwe. Kodwa umkhuba kwathi okuphambene - ejenti abakhohliswa umbono wakhe oqinile siqu, okuyinto ngokuphindiwe avunyelwe ukubambezeleka kwabasebenzi nokwenqaba abangenangqondo ukukhokha.

Okwesibili, umncintiswano omkhulu emakethe impesheni ngokuvamile kuholela yokuthi izimali ngasese bephoqeleka ukuba asebenze isimiso "eziqine abayosinda", ngakho ukuze ingaziki, bemagange zikufice izimbangi zakhe, abese ephetha izinhlelo nempesheni ezinkampani nezinhlangano lonke noma ukunikezela izimo fabulous ( isivuno okungavamile ezengeziwe iminikelo ngenxa liqinile, umsebenzi).

Ukusebenza labantu, abangekho qakala isiphetho iminikelo yokuphepha komphakathi wabo wesikhathi esizayo, manje kudingeka baqiniseke ukuthi inkampani kuyoba lapho sebethathe umhlalaphansi. Futhi lapho ekhetha Isikhwama, ukunakekelwa okukhethekile kufanele zikhokhelwe nakho ngokuqinile, isilinganiso Ukwethembeka, izibuyekezo zamakhasimende kanye inani lawo. Akunjalo ngempela kube "uhlobo buthule", wesaba ukuhlala ngaphandle impesheni esikhathini esizayo - isimo uqinisekisa ukuhlolwa ukuphepha uhlelo ukuphepha, futhi izinga lokubuya FIU lingaphansi kakhulu kunaleyo NPF.

Kodwa singavumi ukunqotshwa umkhonyovu namasu, eyagcina ejenti NPF "Imvume", futhi ukusayina amaphepha ezisheshayo, ngaphandle cwaningo noma uma kokungabaza ubuqotho kwemenenja. Ukulahlekelwa inzalo enqwabelene nokuhamba uchungechunge umyalo - hhayi emnandi kunazo, futhi sizisebenzise ngokwakho, behlola zonke izici nezici ezingekho ngaphansi kukahulumeni Isikhwama, ngeke kube nzima futhi ngeke kuthathe isikhathi esiningi.