Non-uhulumeni sempesheni kwamandla (inhlangano engenzi inzuzo): Izibuyekezo

Namuhla, abafundi bethu izothunyelwa ezingekho ngaphansi kukahulumeni sempesheni kwamandla kagesi umkhakha. Hlobo luni inhlangano? Yiziphi ubuhle nobubi bayo kudingeka sinake? Yini indawo kule simo yezwe ithatha NPF? Qonda yonke lokhu kuyosiza Izibuyekezo eziningi. Isiza ekwakhekeni umbono anolaka ngalezi noma ezinye NPF. Ukuze unikele kule nhlangano?

imisebenzi

Non-uhulumeni sempesheni kwamandla - lena lutho, njengoba inkampani inikeza umshwalense impesheni labantu. Kuyokusiza ukuba ugcine ekuqongeleleni esenzelwe sebegugile. Futhi inikeza for kumiswa ingxenye uxhaso impesheni.

Ukuze imizamo yakhe, isikhwama uthola wokubuyekezwa okuvumelekile. Nkohliso, zonke kucacile kakhulu, kuyisipho owande kakhulu Isikhwama ezingekho ngaphansi kukahulumeni, alinikela umshwalense impesheni. Kodwa lokho emihle nemibi inkampani namanje kufanele sinake?

Sabalalisa ezweni lonke

Manje e-Russia isimo nge sempesheni non-state, ezifana kunjalo, abaningi babo zivaliwe. Bamane asuse ilayisensi. Ngokuvamile, ukuthi izigameko ezifana nalezi ukukhathazeka noma izinhlangano ezincane, noma izinkampani abonakele.

Yini engase ishiwo ekutadisheni corporation? ugesi NPF - lena Isikhwama esikhulu kakhulu, okuyinto Sekuyisikhathi eside ezisebenza eRussia. legatsha yenkampani siqala ngo-1994. Futhi kusukela ngaleso sikhathi inhlangano ibilokhu ngempela yimpumelelo umshwalense labantu.

Isikhwama basakaza kulo lonke elaseRussia. Amagatsha kungatholakala imizi ngemizi, ngisho edolobhaneni kulencane yezwe. Ngakho-ke, amakhasimende amaningi ezingaba ukwethemba ukuphathwa kwenhlangano. Sinezizathu ezizwakalayo zokukholelwa ukuthi lokhu akukona mayelana imikhonyovu. Kusobala ukuthi uvale ngokuzumayo yesikhwama sempesheni. Ngakho-ke, kungenzeka ukuphathisa ekuqongeleleni impesheni okuthiwa NPF.

Ikheli lehhovisi

Likuphi ehhovisi ikhanda kwenhlangano? sleduyuschmu Ngokusho ukubhekana uzothola non-state sempesheni kwamandla kagesi umkhakha: Moscow, Timur Frunze Street, Isakhiwo 11, Isakhiwo 13.

Kulapha naleso sakhamuzi ungafaka isicelo Pension Fund ezindabeni global. Thola inhlangano akunzima kakhulu. Ngaphezu kwalokho, kukhona ucingo umugqa ashisayo esisiza ukuba kalula uthole iseluleko mayelana nokuhlinzekwa kwemisebenzi umshwalense impesheni. Yonke imibuzo uzokuphendula.

Ukuze uthole kuya NPF, ungakwazi shayela inombolo 8-800-200-44-04. Abaningi bayazi ukuthi isimo sempesheni kwamandla kagesi at 100% akuyona ukukhwabanisa. Phela, ingosi engokomthetho inhlangano ungabona indawo yabo bonke oxhumana nabo emahhovisi Isikhwama edolobheni ethile. Kuyaqapheleka ukuthi labantu ethemba corporation.

isilinganiso

Futhi manje okuncane mayelana nenqubo eziyisisekelo kokuhlaziywa kwamathenda izimali zempesheni yangasese. Badlala indima ebalulekile ekwakheni umqondo jikelele yenhlangano. Ngokwesibonelo, amakhasimende amaningi ezingaba unesithakazelo, okuyinto has a isilinganiso SPF kwamandla kagesi.

Le nkampani phakathi phezulu 10 Russian Sempesheni esibhalisiwe. Endaweni ethile kusho ukuthi inkampani eduze isikhundla ehola, kwezinye imithombo ungabona ukuthi akusiyo. Kodwa noma kunjalo, amakhasimende ngokuvamile kakhulu isikhalazo kule nkampani bakushiye phezu wokubuyekezwa okuvumelekile.

Lokhu kusho ukuthi kukhona zonke izizathu zokubonisa isibindi. Ngokuvamile, amazwe angu-10 aphezulu NPF - le ndawo empeleni ngokusiza ekuligcineni ozongela umhlalaphansi futhi ahlinzeke impilo enhle kakhulu eminyakeni yokuguga. Lokhu kumelwe ukuba wazi yonke isakhamuzi.

Naphezu enye idatha emagama amandla NPF umkhakha has a isilinganiso eliphezulu kakhulu. Futhi kuyamjabulisa. Kwanele ukukhumbula ukuthi lokhu ingenye izinkampani ezingu-10 eziphezulu eRussia, okuyinto ngamasevisi labantu umshwalense impesheni.

ithemba

Elinye iphuzu elibalulekile yiyona okuthiwa ezingeni ukwethenjwa. Ikhombisa kangakanani labo abangase babe abathengi futhi langempela sithembele inhlangano, njengoba uhlobo olubonisa ukuthembeka enkampanini.

Non-uhulumeni sempesheni kwamandla kagesi umkhakha has ezingeni lelisetulu ithemba. Uma ukholwa ukuthi izibalo, trust kugcinwa ezingeni A ++. Noma, njengoba ngezinye izikhathi ezishiwo AAA. Leli yizinga eliphezulu kakhulu ithemba.

Lokhu kusho ukuthi le nhlangano uzinzile. Ungakwazi kalula ukwethemba umshwalense lakhe lempesheni. Ukuthi lokhu umbono olwabiwa amakhasimende amaningi ezingaba futhi langempela. Noma kunjalo, uma uthatha konke okuye wathi phambi ku-akhawunti, singaphetha ngokuthi ugesi NPF uqinile, ephephile futhi corporation okuthembekile. It ivaliwe, ilayisensi Ngeke awasuse ezivela kuye. Kodwa lokhu kakhulu kwanele ukuqala nokubambisana.

nenzuzo

Kodwa kukhona esinye iphuzu elibalulekile. Iqiniso liwukuthi plus izimali zempesheni yangasese yiyona okuthiwa isivuno. NPF ukunikela kancane ukwandisa etholakalayo ozongela umhlalaphansi. Futhi lokhu Izinga amaklayenti eziningi kubaluleke kakhulu. Ikakhulukazi uma umsebenzi oyinhloko - lena ukubuyabuyelela imali, kunokuba ukuzigcina.

Isivuno APF ugesi njengoba amakhasimende bathini, akuyona liphezulu kakhulu. Kodwa kunakunoma ezihlinzekwa izimbangi amaningi. Izibuyekezo azinikezi iphethini abalulekile, esizokwenza ukuba ihlole nembuyiselo yangempela imali. Kungani?

Abaningi evince ukunganeliseki ukubambisana ngenxa isivuno. Ekuqaleni, amaklayenti uphiwa ezingeni lelisetulu umthelela - mayelana 12-15% ngonyaka. Kodwa umkhuba, JSC "SPC amandla umkhakha" inikeza mayelana 5-7% kuphela isivuno. Lo mehluko wenza engenzi ivumelane eziningi. Ngakho-ke, abanye ngokuqondile bathi bazizwa bekhohliswa.

Empeleni, lesi simanga kalula alichaza kwamandla emali. Futhi banake yokuthi umehluko efanayo phakathi yangempela futhi isivuno alithembisile nhlobo sempesheni non-state. Imangele lokhu akudingekile. Akekho badukise umhlalaphansi esizayo. Izenzo ugesi Foundation ngokuphelele esisemthethweni futhi engenzeleli.

isevisi

Bathini mayelana isevisi? Nalapha futhi, kunzima ukuthola ukuvumelana. izinga kwamakhasimende lihlukile. Okuningi kuxhomeke ekutheni umuzi kwenzeka ukubambisana. Yonke indawo abasebenzi babo, zonke ngendlela ehlukile.

Izindaba ezinhle ukuthi kungenzeka ukuba ningabi nje kuphela mathupha isikhalazo ukuze non-state sempesheni kwamandla. "I-akhawunti yami" - lokho ithuba ukuthi kukhanga abaningi. Le ndlela isebenza ne Pension Fund inthanethi.

Lokhu umsebenzi kusebenza izaziso eziningi, nabanye ukwehluleka. Kodwa akulona ezibucayi kakhulu. Uma wayefisa, ungakwazi kalula ucacise umbuzo wakho ngokuqondile nge-Internet. Futhi "I-akhawunti yami" ivumela ukuthi ucele kalula uphathe i-akhawunti yakho futhi oda sicashunwa ke.

Lapho zokuvakashelwa emahhovisi izivakashi bathambekele uzame futhi anake efanele. Futhi kuyamjabulisa. Nokho, inkonzo yamakhasimende zuza sempesheni ezingekho ngaphansi kukahulumeni kwamandla izilinganiso edidayo.

Ngakolunye uhlangothi, ukunakekela konke. Abuye aphendvule imibuto ebuzwa yizivakashi. Nokho, ijubane inkonzo kushiya okuningi okufanele oyifunayo. Ngezinye izikhathi okubuzwa akazange ukuphendula imibuzo, kodwa ukudida ikhasimende kuphela. Ngenhlanhla, ngaleso sikhalazo akuzona okungaka. izikhalazo okukhulu service khona, kodwa amaphutha kule ndawo ngaleso NPF khona.

isiphelo sesimiso inkontileka

ukunakekelwa okukhethekile ikhokhelwa kulo isici, njengoba isiphelo sesimiso inkontileka. Naphezu kweqiniso lokuthi isiKhwama amandla kagesi phakathi izinkampani eziyishumi phezulu on umshuwalense yempesheni, ezinye izici ezingezinhle nokubambisana namanje ugcizelela labantu. Okuningi ngokunembile, kuba kwamaphutha encane. Bona ziyaphuma ikakhulukazi izivumelwano.

Iqiniso lokuthi abanye babhekisela ukungabi nakwenzeka kwento ngokubambisana neNhlangano inkampani, uma umuntu usevele engu-43 ubudala. Lona yobudala okuvelele. Izivakashi bayaqinisekiswa ukuthi ngemva ufika emkhawulweni obaluliwe e inkontileka kwenqatshiwe.

Isivumelwano senziwa ngeduplikhethi, lejabulisa. Empeleni, zonke izimo isobala, kodwa ezinye izinto kungabangela izinkinga. Ngokushesha phendula abasebenzi.

Okuningi kungekho izikhalazo abalulekile lapho. Uma kudingekile, ungakwazi ngasiphi isikhathi sokuqeda isivumelwano ne NPF. Futhi imali idluliselwe kwenye inhlangano. Cash nangaphambi kokuba ngithathe umhlalaphansi lapha ungayeki. Futhi kulesi simo itholakala inkontileka. Kuwufanele ukunaka. Ezinye amakhasimende uqaphela ukuthi kubalulekile ukubheka ukulahlekelwa, okuyinto ifakwa sokuqeda inkontileka ngaphambi kokuphela konyaka. Uma kungenjalo, ungase ucabange ukuthi sempesheni yangasese kwamandla kagesi umkhakha isebenza ngokwethembeka okuhle kanye appropriates imali emabhange.

izinkokhelo

imininingwane ehilelekile Kugcine, okuyinto sincoma ukuba banake - lena ukukhokhelwa imali yempesheni. Lo magazini lihlukaniswe umbono mayelana nenkampani. Kungani?

Non-State Pension Fund of Electric Power (eMoscow, Frunze Street, Isakhiwo 11, Isakhiwo 13 -. Ikheli Ihhovisi ale Nhlangano) inkokhelo eyenziwe, kodwa abanye ukubambezeleka. Yingakho ungabona Izibuyekezo okuxubile umsebenzi wenkampani. Abanye bathi impesheni ingakhokhwa. Ngesikhathi esifanayo ingxenye ikhasimende ephambene. Ngakho bonke bakholwe?

Konke. Njengoba sekuphawuliwe, inkokhelo eyenziwe, kodwa kaningi kukhona ezihlukahlukene ukubambezeleka. Futhi lokhu ufuna sihlale sikulungele. Umhlalaphansi usathola lokho anelungelo. Ngisho noma ngesikhathi esingafanele. NPF uzama ekuhleleni umsebenzi kule ndawo. Kodwa akhohlise amakhasimende abo, akazange uhlose.

Imiphumela

Yiziphi iziphetho esingasithola? Kusobala ukuthi i kagesi yesikhwama sempesheni. Le nkampani, okuyinto enkulu futhi kusakazeke eRussia. Sekuyisikhathi eside ekufezeni umsebenzi walo. Kanti inikeza isivuno esihle. Kodwa, okubaluleke kakhulu, ukuzinza kanye nokwethembeka.

Abaningi aveze ukuthi uma ufuna ukuthola ukubuyiselwa phezulu imali, akudingekile ukuba banake non-state-uhlobo Isikhwama. Kodwa lapho kuqala kufanele ukuzinza kanye nokulondolozwa impesheni ke inhlangano kufanele sithathwe njengehlelo indawo kungenzeka lapho inkontileka umshwalense impesheni.