Yikuphi ukukhetha isikhwama sempesheni - isimo noma non-state? Inguquko ukuze yesikhwama sempesheni

Okwamanje yezakhamuzi abaqaphela nenkinga: okuyinto engcono - isimo noma isikhwama sempesheni yangasese? Ngayiphi namanje ukukhetha? Labo nabanye adume, zilotshiwe mayelana nasemaphephandabeni, bonisa ezinhlelweni zethelevishini, ukukhuluma emsakazweni. Esinye nesinye isakhamuzi ngabanye kumelwe bazinqumele ukuthi ukukhetha isikhwama sempesheni - isimo noma non-state. Isinqumo kufanele silinganisele futhi unolwazi. Futhi lokhu kusenza sibe nokuqonda okucacile yini akha nenye inhlangano.

sempesheni State

Ukuguqula uhlelo yempesheni ngo 2002 kwethulwa abaningi badideka. Futhi ngisho manje umbuzo mayelana nendlela ukukhetha isikhwama sempesheni - uhulumeni noma izinkampani ezizimele - kwabaningi elisavulekele. Ezinye izakhamuzi namanje wakhetha ukungahlukanisi ukushintsha inkampani ukuphathwa bese ugcine imali yabo njengoba yayinjalo. Kulesi sigaba ukuthuthukiswa komnotho, ngokuvumelana abahlaziyi abaningi bezombangazwe, noma yisiphi isakhamuzi, ngubani ukuphathiswa imali yabo kuze sempesheni isimo, zingase zisale ngaphandle kwabo. Lokhu kungenxa amazinga aphezulu emali maqondana accrual zenzuzo unyaka ngamunye esandulele. Zonke izimali zempesheni agcinwa "Vnesheconombank". Lokhu isikhungo sezezimali akuyena obangela iminikelo impesheni zezakhamizi, esimweni incurring yisiphi ngokulahlekelwa. Abantu abaningi ngaphansi kwengcindezi lokhu umbono ethile esetshintshela-Pension yangasese. Abanye baze ngisho baquleka imali yabo e yenombolo yezinhlangano. Phela, lo mthetho impesheni isakhamuzi sinelungelo ukushintsha inhlangano ukuphathwa kanye ngonyaka.

Kodwa naphezu kwaleli Eqinisweni, akekho emhlabeni abakwazi ukunikeza iziqinisekiso ngokuphelele ukuthi phakathi namashumi ambalwa eminyaka, noma ukuthi yangasese yempesheni isikhungo uyokhokha isamba sokuncika kumakhasimende ayo.

Isiqinisekiso ukuphathwa inhlangano yomphakathi

Ngakwelinye ihlangothi, RF Pension Fund ophethe kubulawa imisebenzi eminingana ebalulekile, okuyilezi:

• It ugcina umbhalo ukufika zonke amaphrimiyamu;
• Ithola okulingana nokheshi izinzuzo umhlalaphansi awo wonke umuntu;
• uma kukhona izimo ezikhethekile esabela nezinzuzo zezenhlalo;
• Inezinga ubuhlobo obuseduze nabantu abaqashi;
• kufanele akhiphe isitifiketi kwabakhulelwe dolobha;
• Yisimo party. Uhlelo co-ngezimali, nokunye. D.

Yini luwumgogodla ukuguqula?

Ngokusekelwe osekushiwo, kumele kuphetfwe ukuthi sempesheni non-state zadalwa lula umsebenzi we sempesheni isimo, okungukuthi ukwehlisa izindleko zabo futhi unciphise ibanga izibopho ezakhamizini zaseNingizimu Afrika. Leli qhinga ezinengqondo bavunyelwe abalekele Kwabiwa okunengqondo ngokwengeziwe kwezinsiza phakathi inkampani ukuphathwa, kanye iphesenti inzuzo anda uqhathaniswa 'Vnesheconombank ". Kulokhu, khetha sempesheni - isimo noma non-state? Sizokwenza ukuqonda samuntu yesibili.

Ezingekho ngaphansi kukahulumeni ukuphathwa inhlangano

Isibalo sazo izikhungo kulesigaba ivame infinity. Uma isakhamuzi unqume ukushintsha inhlangano ukuphatha ngokuqinisekile, kukhona umbuzo kuye mayelana nendlela ukukhetha isikhwama sempesheni?

Okokuqala, kudingeka uzijwayeze ukukala izinhlangano ukulawula. Iyofika ngokuqinisekile ukusiza sithole choice.

Usezingeni the best non-state sempesheni ukubuyela (incike ke ubukhulu impesheni esizayo) uvezwa etafuleni.

Imisebenzi kwezimali zempesheni yangasese

zikhungo sezisunguliwe ukuze enze inzuzo yenhlangano yakho kukhulise imali ukonga Isikhwama abahlanganyeli ngenxa yonyaka lenzalo. Futhi, inzuzo imali yempesheni kuthiwa, wenza njengoba abatshalizimali izinkampani ukuphathwa eziqinisekiswe imali imali izibambiso. Lokhu iqhinga kuqinisekisa lelisetulu kwamakhasimende ukubuyiselwa inikeza ngezinye izikhathi ezingeni enkulu nokuvikeleka ibhizinisi.

Iziqinisekiso zezikhungo ze-non-state impesheni

Kuncike incurring ukulahlekelwa isinxephezelo Isikhwama futhi ekukhokhweni izinzuzo kumakhasimende ngezithukuthuku inhlokodolobha share. A "Vnesheconombank" ihambisa ekulahlekelweni phakathi kwazo zonke zimali. Futhi inani lenzalo iqhaza kwezikhungo impesheni yangasese iphakeme kakhulu kunanoma emali yezwe. Lokhu kuqinisekisa yena, impesheni ehloniphekile lapho ufinyelela kokuthatha umhlalaphansi. Ngakho-ke, uma isakhamuzi namanje umbuzo lokho Isikhwama kungcono: isimo noma non-state - kufanele bacabangele leli qiniso. Kukhona nokunye kwalezi zikhungo. Kuncike ekutheni ucabanga we yesikhwama sempesheni yangasese wonke amakhasimende imali wabuyela impesheni ejensi wombuso. Singaphetha ngokuthini - iklayenti akaphelelwa lutho kuze kube phakade.

Futhi we nothi Iqiniso lokuthi ngaphambi kokuba kokufinyelela eminyakeni ewu umhlalaphansi ikhasimende inani impesheni yakhe ziyahlukahluka noma isiqondiso. Ngenxa yalokho, izimali ayatholakala ngesimo isamba semali noma ukukhipha imali nyanga zonke. Uma iklayenti efa ngokuzumayo, noma ngabe ngubani onolwazi banelungelo lokuthola imali esele ku-akhawunti yekhasimende. Leli qiniso ehlukanisa impesheni isikhungo eyimfihlo isimo, okuyinto isenzo nje akusho agunyaze.

Inguquko ukuze yesikhwama sempesheni

Uma abantu bebona izinzuzo izikhungo impesheni yangasese, nganquma ukuba kwamakhasimende abo, kubalulekile ukulandela le ukulandelana izenzo:

1. Sithole choice of onguchwepheshe saziso umshwalense impesheni enkampanini.
2. Hlola semthethweni yezenzo kwenhlangano, okungukuthi: ukuhambisana nomthetho, khona amalayisense kanye yokubhalisa nge Central Bank.
3. Ukuyovakashela kulesi sikhungo yangasese ngenhloso asayine isivumelwano.
4. uhlole ngokucophelela lesi sivumelwano siyalandelwa, ngokushesha ukuthola yonke imibuzo yekhasimende.

Isivumelwano kufanele ahlanganise izinto ezilandelayo:

• igama lesikhungo, igama, patronymic;
• ekubalweni isitoreji imithombo, izimo utshalomali, ukushaja izinkokhelo ngqo;
• umshwalense inombolo isitifiketi, usuku kanye nendawo lokuzalwa iklayenti, phansi yayo;
• ikhasimende yemfanelo futhi Isikhwama;
• izizathu ekuqongeleleni imali nempesheni;
• izinqubo, izimo izinkokhelo (yesikhathi esisodwa, eziphuthumayo);
• algorithm ekuletheni impesheni ngokulondoloza futhi kwemibandela yokukhokha kwezidingo uqobo;
• wemfanelo ikhasimende futhi isihloko Fund ufa izibopho;
• algorithm kokuphazamiseka yesivumelwano;
• izimo kanye nezinqubo ekuxazululweni kwezingxabano;
• imininingwane yekhasimende kanye ebhange.

Kuphela khona izinto ngenhla ukuthi ukubhala ushintsho isebenza.

Kuphela ngaphansi kalula kakhulu futhi unesibopho yombuzo kanjani ukukhetha isikhwama sempesheni, ungakwazi ukuvikela yobudala ukhululekile futhi ujabule ubudala.

isiphetho

Ngokusekelwe osekushiwo, kulula ukuphendula umbuzo mayelana nendlela ukukhetha isikhwama sempesheni - isimo noma non-state. Impendulo isobala - ukhetho lwesibili. Phela, izimali zempesheni yangasese Ziningi izinzuzo phezu isimo. Kodwa qiniseka ukuthi inake izinguquko zomthetho ezenzeka kuleli zwe ukuze abanjwe futhi bakwazi sizuze esiphezulu.