NPF "Ikusasa": izibuyekezo zamakhasimende, izilinganiso inzuzo

APF "Ikusasa" ingenye izikhungo ngobukhulu zezimali, esinikela izakhamuzi ithuba Russia ukwandisa iminikelo yazo yempesheni ngenxa esiphethweni zezivumelwano OPS. imisebenzi yayo kule nkampani yaqala eminyakeni engaphezu kwengu-18 edlule. Manje kuba nokuhlanganiswa NPF ezinkulu - "Welfare" futhi "Stalfond".

Mayelana Foundation

Njengoba inkampani - hhayi lisha emakethe amasevisi yempesheni, angakwazi 'siziqhayise' eletha impumelelo kwezamabhizinisi yabo. Ekuqaleni 2016 lohlanganisiwe Isikhwama amaklayenti kusukela nokuhlanganiswa izakhiwo amabili abalulekile kule ndawo ye umshwalense impesheni baba abantu abangaphezu kuka 3.2 million. Bebonke impesheni giant JSC APF "Ikusasa" imali engaphezu kuka-12% wemakethe.

Ekuqaleni, inkampane eyayinazo babenobuhlobo ngqo Railways futhi kwaba umlingani wabo yenkampani. Ngemva kwalokho, ukunwetshwa iklayenti ukugeleza kanye nokulahlekelwa ezikhethekile kakhulu isimo SPF kuzovumela ejenti ukwehlukanisa abantu insured nokuheha izigidigidi ruble ku impesheni. Manje imali "ukuphepha isiguqo" ku NPF "Welfare" futhi NPF "Stalfond" okuyizinto sikhwama sinye "Ikusasa", kuyinto ruble 210 billion.

Ukuvuleleka futhi obala yesiKhwama - isibambiso ukuzethemba amaklayenti esizayo

Abatshalizimali babezimisele ungene ezivumelwaneni OPS. Ngaphezu kwalokho, umsebenzi wenkampani kuchazwa kwi website esemthethweni. Lapho awucacisanga NPF kuyinto "Ikusasa" ikheli. Amahhovisi Major ayatholakala kuwo wonke amadolobha-usozimali. Main itholakala e Moscow, phezu Boulevard anemibala, d. 2. Inqubomgomo sokukhululeka ivumela inethiwekhi ukubala usayizi impesheni esizayo futhi uthole ukuthi yini kuyoba imali ngemuva kokuphothulwa inkontileka. I website esemthethweni, ngaphezu ulwazi mayelana abasunguli, izinhlelo nempesheni, wembula eziyisisekelo nokufuna inhlangano - ukonga ngokobungako.

NPF "Ikusasa": sohlelo ejensi enamandla "Isazi RA"

Kuyinto engenakwenzeka Cabanga umsebenzi olulodwa ezinkulu nezincane ezingekho ngaphansi kukahulumeni Isikhwama, okuyinto akavumanga ukuza bedle kanye nokuhlola isilinganiso ejensi "Isazi". Lokhu sikwenza kungaxegi ingenye appraisers eziholayo olindele kunazo, lokho manje okwaziwa amakhasimende amaningi ezingenziwanga kuhlobane ngokuqondile umshwalense impesheni. NPF "Ikusasa" isilinganiso ekupheleni 2015 akukakabi bakwazi ukunqoba imingcele ezithandwayo zezingoma "nokwethenjelwa eliphezulu." Wayeka at the stage of "A +" (enokwethenjelwa kakhulu).

Nokho, umbono wezazi ngokuhlaziya zonke izinkampani ziyefana ukuze lokho mkhawulo we nokwethenjelwa Fund aphethwe kusukela ngokusemthethweni kubhekwa basebancane. Naphezu kweqiniso lokuthi "Ikusasa" NPF libuyekeza lenethiwekhi wathola kakade, kusenzima kakhulu Foundation, lenzeka nokuhlanganiswa nezinye NPF ezimbili. Ngakho-ke, ekuqaleni kuka ukwahlulela indlela inhlangano ngeke wakwazi ukubhekana kangcono nale kuhlela kabusha, futhi namakhasimende, futhi isimo basekhaya iqembu.

Nokho bafanelwe simo kanjalo honorable kusaqalwa sokuthuthuka ngokwako yi okuhle, ngeke kwenzeke phakathi yonke imisebenzi yayo ezingaphezu kuka 67% of NPF Russian. Kuphakathi kokuthi angahlangabezani ngokugcwele nezibopho zabo kubantu kwesamba, noma akuzona Inqubomgomo ngempela kucace ukuheha abathengi kanye nokugcina ibhizinisi layo impesheni.

Amazinga nezinhlelo zezinye izinhlaka

Nokho, ngeke bakwazi ukuhlaziya imisebenzi yesiKhwama "e yonke inkazimulo yayo", njengoba "Isazi RA" yinkampani kuphela lapho NPF waba nesifiso ukwenza okwabo ngobuchule. Okunye ejensi awazange abamenyiwe njengoba abahlaziyi. Ukuze inkampani young ukuthi ayikahlanganiswa ukuvuthwa ngokugcwele futhi aqaphela ukuthi indawo yakhe ibhizinisi umshwalense, kuba excusable. Kodwa giant ezifana NPF "Ikusasa", imininingwane ehilelekile okunjalo akukhona okwamanje engcono, ngoba akunakwenzeka ukuba bahlole ezingaba abantu insured yemizamo yabo ukuheha abathengi futhi bahlolisise isimo sezimali.

Abantu abafuna ukuthuthela imali yabo yempesheni, uyazibuza lapho NPF "Ikusasa" Amahhovisi, yini mode kwabo ukusebenza. Ngokwesibonelo, e eYekaterinburg legatsha usebenza ekhelini - emgwaqweni. Ibhaxa, d 41. Kazan - Str. Pushkin, d. 12 (207 ext. Office). Futhi egatsheni Saratov itholakala emgwaqeni. Vavilova ,. 28a, ehhovisi 34.

"I-akhawunti yami" Isikhwama - lokho futhi kanjani?

Kunzima ukucabanga ngokuphila namuhla ngaphandle Internet. Futhi inkampani non-state uyasazi isifiso amakhasimende ukufinyelela wonke ama-akhawunti abo nganoma yisiphi isikhathi esikahle kubo, kuhlanganise ekhaya. Akusiyo imfihlo ukuthi 75% NPF Russia izipesheli yayo kwesamba abantu inkonzo ukufinyelela idatha akhawunti kanye nempesheni izitatimende, okuyizinto ngokugcwele ukudalula imininingwane ngesimo yesivumelwano (asebenzayo, okwesikhashana, ivalwe, ibingasayindwanga), zonke amasheya, ikakhulukazi, ukuthi inani lemali idluliselwe ngokuqondile umqashi, futhi yini - is lukhonjwe yi inkampani yangasese, amaphesenti amakhasimende ilahleke uma kushintshwa ukuphathwa inkampani nokunye.

NPF "Ikusasa" "I-akhawunti yami" kusayithi futhi ivumela isikwama amaklayenti ngaphandle ngokuvakashela amahhovisi enkampani, ukuhlola isimo se-akhawunti yakho, wenze izinguquko esimweni amakhredithi eyiphutha (by ukwelashwa nge ukuzishaya), ukuthumela incwadi mayelana noshintsho imali plan (ngamunye izinga impesheni ivumela umsebenzi onjalo), kanye lula ukulandela yonke ukunyakaza kwezimali endaweni ukhululekile.

Ukufinyelela "I-akhawunti yami" kuvula njengoba uma uvakashela igatsha inkampani (ukuvakashelwa siqu abaphathi namanxusa), futhi ekupheleni yesivumelwano noma OPS yokubhalisa siqu website esemthethweni NPF "Ikusasa" inhlangano amaklayenti ogama ikheli Kulula ukuthola ngo nosesho.

Ingabe inzuzo ukuguqula NCHP NPF "Ikusasa"?

abayizigidi ezingu-3.2 amakhasimende BEKA yabo obuyongela umhlalaphansi, yebo, akangabazanga e izinqumo zabo. Ngalé kwalokho, babengeke neze idluliselwe ukuba "Ikusasa". Nokho, eziningi "izinhlobo buthule" (78%) akakwazi ukunquma ngokuthe ukukhetha, kuphi bethumela ingxenye yabo ezuziwe, ukuba-ke uthole "umfutho" ehloniphekile impesheni. Abakwazi ukwenza isinqumo sokugcina kukhethwa Isikhwama, isekelwe kuphela isimiso nokwethenjelwa.

Yiqiniso, mnandi wokuthi umhlalaphansi imali ezandleni ephephile. Nokho isizathu esiyinhloko esenza izakhamuzi ukuphetha OPS inkontileka itholakala ukubuya. Thola "umfutho" ukuze impesheni ufuna eyodwa. Kodwa abantu ababaningi alinge ukuthatha lesi sinyathelo uma sicabangela ukuqaphela ongaphakeme emkhakheni umshwalense impesheni kanye nokwesaba ukwenza iphutha nge choice.

Ukuze 2015 NPF "Ikusasa" inzuzo okungukuthi abampofu. Kodwa lokhu kungenxa kuphela ekubumbaneni yayo nokuhlela kabusha. Ngokusho kweminye imithombo yezimali, ngokuvamile zazingakhi (-6.8%). Lokhu kusho ukuthi izakhamuzi wayenemfuyo wahlala ezingeni efanayo ngoba inkathi eyedlule (2014). Akubalulekile Nokho, ukwethuka abafuna ngokushesha ukhethe inkampani ezahlukene: engu-18 umsebenzi kuphumelele e OPS ukhulume ukuzinza. A izinga engakhi ukubuya, ikhumbula umisa namanje ekhona kwi ukwakheka NCHP namanje akususi izimali ikhasimende ukuthi sezivele adluliselwe umqashi futhi "non-ezivuthayo".

Ezezimali ze-non-state sempesheni, okuyinto, lapho kuhlangene ukudala iyunithi ngobukhulu emkhakheni OPS-izinkontileka, olawula angaphezu kuka-12% wemakethe amasevisi impesheni kuya 210-billionths lezinkokhelo in ruble, ukuvumela inhlangano bakhokhe ukuze zonke izimali kungakhathaliseki ukuthi kuyoba inzuzo yenkampani (mahle / positive), lokho isimo ozokhula emakethe yezimali lilonke (komnotho, unswinyo, umncintiswano omkhulu, okunguye yedwa).

Kuyaphawuleka ukuthi esikhundleni ukuthunyelwa kwelinye lamahhovisi ngobukhulu NPF "Ikusasa" - Ekaterinburg. It icacisa abasebenzi bonke amakhasimende angakwazi futhi kufanele kwenziwe uma esiphuthumayo noma namanje lokho sezulu yezezimali eqinile uqobo, futhi kungani sekuyisikhathi eside abasebenzi abakhethiwe inkampani ngokusuka kubo. Kodwa ukuze uthole impendulo, amakhasimende kuyodingeka ukuba abakulungele ukuxhumana ubushiqela futhi komdlandla (njengoba kuqhathaniswa izivumelwano yokubhalisa OPS ukuthi kube nenzuzo-ejenti, kanye inkampani).

Kanjani hhayi ukuwela lzheagentov gibe? inombolo Indaba 1

Ngeshwa, i-Internet uya yaqala ukubonakala ulwazi mayelana yokuthi amanxusa umshwalense ngomgunyathi ukuphetha OPS inkontileka, ngokoqobo ukuphoqa amakhasimende ophoqelelwe angene kuwo izimali abasinikezayo. Futhi lezi zimo aziqabukeli. Vele uye kuwebhusayithi noma ibhulogi lapho izakhamuzi ukukhohliswa ukufutheka nangokudideka nge ukutshela wonke umuntu mayelana nendlela awe tricks nemikhonyovu athembisa. Futhi lokho ukuthi uyeyisa kakhulu - "abasebenzi", ngeshwa, empeleni nangeqiniso kukhona amanxusa umshwalense, ngubani nje awukwazi noma awufuni ukuthola umklomelo, abese ephetha OPS inkontileka yayo komunye nomunye ngobuqotho.

indzaba lefanako nge NPF "Ikusasa" - Izibuyekezo zabantu badumazeke owathembisa ezintabeni, noma, kunalokho, basebenzisa isikhundla sabo futhi "ngasese" washelela ukuba asayine isivumelwano, manje akusona isimanga.

Employment ezingenasibalo umlando umsebenzi 2

Indlela yokuthola umsebenzi lapho isimo esibucayi ezweni? Yiqiniso, okokuqala efika engqondweni izikhangiso emaphephandabeni. Ukukhangisa emaphephandabeni naku-Internet iye avunyelwe abasebenzi NPF "Ikusasa" Izibuyekezo yomsebenzi wabo "ezingcolile" ukugcwala izitatimende entsha. Amaqhinga okulandelayo: iklayenti ufuna ukuthola isikhangiso umsebenzi, okuyinto, njengoba umthetho, banikwa izimo ezikahle lomsebenzi. Okungukuthi, itshe lemali, abasebenzi friendly, umsebenzi ehhovisi nezinzuzo zezenhlalo. Yiqiniso, abafisa ukuthola onjalo ehlonishwayo endaweni kuyoba eziningi. Zonke ngokwenyama uhlele inkampani ongalifinyelela, kodwa ukunikeza uphawu OPS inkontileka ezicashe ifomu ukuphepha lwemibuzo noma umlilo (noma iyiphi enye legend, ayinakho maqondana umsebenzi Kusolakala) - ngokuphelele.

Leli qhinga cishe win win. Kokudinga imali, abampofu umsebenzi abafuna ukuba uphawu cishe nganoma yini ukuthi "washelela." Futhi kuphela ekhaya lapho uthando nokujabula ukubohla kancane, ekugcineni baqonde lokho abakwenzile. Kodwa be kakhulu ngasekho. Akusizi ukubala lokuthi ngemva kokungena ngemvume wonke amadokhumenti iklayenti sisaphuma namanje ukunikeza emsebenzini: ayizange khona ekuqaleni. nje Konke lokhu kwaba ukuphathwa icebo elihlakaniphile, PR hambisa ezokwenza ukuheha izigidi inzuzo, kodwa kakhulu ukunciphisa imiphumela inkampani "Ikusasa" ukwaneliseka ikhasimende nezindlela zabo zokwenza ibhizinisi.

Ukuthi amakhasimende uma kwenzeka ukukhwabanisa?

Maye, uma umuntu kwesamba akukhona uyazi ngemiphumela izenzo zabo, kodwa usayine inkontileka OPS ngumnikazi, ukubonisa ukuthi senziwa ngomgunyathi, kuba cishe kungenakwenzeka. Inkampani ihlale khona "izaba." Ngenxa yalokho yophenyo siyonikwa ngisho engaba sikhala lapho okusolwa wamelela isicelo. Abantu ukukhohliswa kuyodingeka akukho abangakwenza ngaphandle kokuhlala ukwamukela abalithandayo noma zama ukuhumusha NCHP yabo unyaka owodwa kwenye inkampani, okuzokwenza ukuba sobala ngokwengeziwe futhi enenhlonipho amakhasimende abo.

Nokho, kukhona kusenethemba lokuthi imali yempesheni wasala endaweni eyandulele. Uma i-SMS ekwazisa ngalokhu kungukuthi kubika noma isiqinisekiso kusukela Pension Fund ingakamiswa kubika. Kulokhu, inkontileka angase kubonakala hhayi semthethweni kuze kube sekupheleni. Futhi ikhasimende izoqhubeka ibe inkampani ezazinaye ukuhlangana amanxusa umshwalense Isikhwama "Ikusasa".

Ungahlola it in the "Akhawunti Yami" (uma lokhu ngesikhathi iklayenti) noma vakashela ngqo Sempesheni esibhalisiwe. Ngakho, NPF "Ikusasa" libuyekeza ngemisebenti yayo, eziningi zazo (8/10) ophambene kakhulu, wathola inqubomgomo kwakhe kungabi semthethweni. It engashiyi amathuba inkampani ukuthuthukisa futhi sithole amakhasimende amasha ngesisekelo ukukhanga imikhiqizo yayo umshwalense.

NPF noma RPF? Izinzuzo nezingozi nebubi

Omunye ethandwa kakhulu izicelo ezezimali okungaphezulu futhi nokwenza imali, ngaphezu Russian ruble nezinye zezimali exhumene nokudluliswa NCHP e NPF. abasebenzi Pension Fund elwela phikisana ukuthi NPF esizayo ngeke ukhokhe lutho kumakhasimende abo. Futhi abasebenzi izinkampani eziyimfihlo, kunalokho, sikhunjuzwa ngokuthi 6% wokulondoloza esimweni "ukuthula" futhi bahlale RPF. Bayobe kusatshalaliswa izinkokhelo isimo impesheni usuku.

izimali zempesheni Private libuyekeza amakhasimende, futhi edumazekile, futhi ujabulele okukhethayo (lasavele idluliselwe NCHP yabo) zihlukile. Abanye abantu kwesamba optic Wajabula yini ngokuthi ungaphatha izimali zabo. Abanye, kunalokho, abazange baqonde kuze kube sekupheleni, lokho ke izinto ababezenza bona nge ingxenye yabo accumulative. Okwesithathu, njalo saziso ophoqelelwe ukuze uthumele abaqashi babo abaye bangena imvelo yenkampani yesivumelwano futhi kakade wakwazi ukuthola inzuzo yabo kusukela inkampani, okuyinto manje ivule ukufinyelela inombolo enkulu amakhasimende amasha.

Nokho, umthelela umbono ngabanye kunzima kakhulu. Ikakhulukazi mayelana okubizwa ngokuthi "izinhlobo buthule" abangamazi ngokugcwele ukuthi Isikhwama zikhetha futhi ukuthi kuwufanele endaweni ethile ukuze uthumele imali yabo yempesheni. Isimo unesithakazelo yokuthi izimali ezingazange sidluliselwe NPF. Ngakho-ke, unyaka wesithathu ilandelana ubabonisa ukujanyiswa kokufakwa ohlwini OPS-izinkontileka. Yiqiniso, kulesi simo ngokuyinhloko ehlaselwe bomnotho, kodwa ebomvu namanje labantu uhlala. Labo Usuvele uhumushe NCHP e NPF, akufanele ukhathazeke mayelana nokukhetha. Uma inkampani is insured, inkokhelo ukubuya, njengoba kwaba njalo endabeni ka-umshwalense yebhange imali. I NPF ngobukhulu (kuhlanganise "Ikusasa") sangena uhlelo umshwalense, okuyinto i ukuvikelwa eyengeziwe kumakhasimende kanye ukwandisa ubuqotho babo inkampani.

NPF kanye nenhlekelele lapho ukhipha ilayisensi?

Kulesi sikhathi esibucayi, izinkampani eziningi abakwazanga ukusekela ukuphuma nokungena kwezimali kanye amasheke esasiwe kubo. Abaningi babo baya yimali, abanye - abangu kabusha ku amafemu amancane, abanye baye banquma ukutshala ngokuzithandela bahoxe emakethe. Ngokuphathelene NPF, ngabo into embi - ekulahlekelweni ilayisensi Central Bank. Lokhu kusho kuvinjelwe imisebenzi amasevisi zezimali emakethe. Futhi uma inkampani waba ngaphansi sokwesulwa kwelayisensi, abatshalizimali kuyodingeka uthole enye inkampani ukuphathwa. Kuphakathi kufanele lamukele iqiniso lokuthi ngokwakhona Imali uzobe adluliselwe ku- Pension Fund yeRussia. Nakuba isabelo ezibanjwayo ezikhokhelwa ngumqashi, zihlala zinjalo. Kodwa ukungasathandi, ukukhomba iminikelo kungukuthi ezikhishiwe.