Ingxenye Ixashwa izinguquko yempesheni zabasebenzi kanye emisha

ingxenye Ixashwa yempesheni zabasebenzi zanqwabelana futhi kwakhiwa ngenxa ezibanjwayo bentela ku yesikhwama sempesheni. Zafika lapho, zatholana ezibekwa akhawunti ahlukene, ngamunye yalo eqoshwe. Izimali kungenziwa equkethwe kokubili umphakathi futhi leyo mali okuyinto ayimfihlo.

Imali kuphela Unelungelo ukutshala ezihlukahlukene izinhlelo, kodwa futhi kufanele wenze lokhu ukuqinisekisa ukuthi izimali kungukuthi yehliswa ngenxa wenzuzo imali. Izimali Kufanele kucatshangelwe e igama le-akhawunti. Ngasinye ingxenye uxhaso yempesheni zabasebenzi has akhawunti ehlukile ngamunye.

Izichibiyelo Pension UMthetho Womshuwalense

Kwakuthinta bazitshela, ngokuhambisana inguqulo yasekuqaleni umthetho ka-2002, noma ukuqongelela impesheni zabasebenzi zizokwenziwa kulabo bayizakhamuzi baye umhlalaphansi ngo-2016 (amadoda) kanye 2011 (abesifazane). Ngo-2005, umthetho okushintshile, futhi ngo-2005 icala ingxenye uxhaso yempesheni zabasebenzi manje kuphela kulabo kwadingeka inhlanhla ukuba azalelwe 1967, kanye labo abazalwe kamuva.

Labo yokonga, okwenzeka kusuka 2002 kuya ku 2005, izoba khona e izimali zempesheni, okuzokwenza ukhethe abanikazi kwakheka igama le-akhawunti. Ngamanye amazwi, uma nokuzalwa kwakho kwaqondana nenkathi phambi 1967, ngeke usakwazi ukukhiqiza izingxenye accrual ukudla impesheni, ngeke libe izingxenye eziyisisekelo kanye yomshuwalense. Kodwa imali eyambumbayo igama akhawunti kusukela ngo-2002 kuya ku-2005, izosebenza kanye nazo zonke akhawunti nezinye yokonga, futhi izobe kubonelelwe umhlalaphansi (ie, ukungezwa ku ibalwa kanye ikhokhwe).

Kangakanani inani ekuqongeleleni ingxenye yempesheni

It kuncike kule ingxenye yomholo. Inani ingxenye uxhaso konyaka (lemali ukuthi udluliselwa yesikhwama sempesheni njengendlela intela) kanye iphesenti esimisiwe ukubaluleka inkomba ethile inkokhelo elisungulwe uMthetho. Yizo ezinquma ubukhulu waso ngokulandela okushiwo imali.

Uma imali yakho engenayo ruble esingaphansi ayizinkulungwane ezingamakhulu amabili namashumi ayisishiyagalombili ngonyaka, ngonyaka 2005-2007 zakho oyobe somhlalaphansi luzoba azisizi 4% kulesi samba. Kusukela ngo-2008, kanye engenayo efanayo uzobe emalini engaphezu kuka-6% ngonyaka, ukuze udale ingxenye uxhaso yempesheni zabasebenzi.

Salary ku uhla ruble 280 kuya kwezingu-600 kuletha at okuzisholo akhawunti yokonga ayizinkulungwane 11.200. Hlikihla. futhi 1.6% semali esingeqile ayizinkulungwane ezingamakhulu amabili namashumi ayisishiyagalombili - 2005-2007. Kusukela ngo-2008, 16.800 kanye 2.4% ngokulandelana.

Uma iholo lakho kuyinto ruble ephakeme kuka-600 eziyinkulungwane ngonyaka, nenani amacala fixed: ngo-2005 kuya ku-2007 - 16320 ngonyaka kusukela ngo-2008 - 24480 ngonyaka i-savings account.

Njengengxenye yempesheni ikhokhelwa uxhaso

Ukukhokhwa ingxenye uxhaso yempesheni zabasebenzi ngesikhathi esifanayo ukubeka izakhamuzi kusukela impesheni zomphakathi, kanye nalabo abakhubazekile noma uthola impesheni, owasinda amalungiselelo. izinkokhelo ezinjalo amaphesenti elilinganiselwe impesheni enqwabelene futhi ukukhokhelwa. Lesi isilinganiso kufanele kube kungekho kuka-5%. Kuyoba lula ukuthola inkokhelo eziphuthumayo imali impesheni kuVelabahlinze umnyaka lo (2012), ngokuhambisana 2011 Act.

Bonke abanye, ngaphandle amalungiselelo oshiwo ngenhla yomthetho, izinkokhelo esiphuthumayo ngeke ngokwesimo yesikhathi esisodwa. Ithola izinkokhelo esiphuthumayo enikeziwe, wabusa iminyaka eyishumi izitolimende elinganayo. Ngamanye amazwi, konke esiye zanqwabelana isakhamuzi futhi kubhekwe ku-akhawunti zayo ngazinye, izohlukaniswa-10 futhi ikhokhelwe njengengxenye impesheni enqwabelene.

Ukuze izinkokhelo esiphuthumayo futhi inani capital womama, uma ahloselwe kumiswa unina umhlalaphansi. Wabuye ukuhlela yokukhokha esingekho ngaphansi kweyishumi. Kuleso simo, uma kukhona ukufa okuzumayo yokukhokha lomamukeli ngokushesha, it bayokudla ifa abazolandela ngokomthetho, okungukuthi, naye noma izingane.

Umthetho uhlinzekela ukulungiswa wengxenye uxhaso impesheni, kanye nenani izinkokhelo ephuthumayo kwesamba semali ekhiqizwe kusukela izimali imali.