Pansi kudzikundikira penshioni amatanthauza ndalama anapeza kuti athandize anthu inshuwaransi, amene anakhazikitsa mbali ya penshioni ntchito ndi \ kapena malipiro mwamsanga. wokhala aliyense wa Russia akhoza kumaona kuchuluka kwa amachotsera. Kuti mudziwe kupeza penshioni ndalama werenganibe.

mwachidule

Kuyambira 2015 pa nzika ntchito anapanga inshuwalansi ndi penshioni ndalama. Woyamba lagawidwa mitundu itatu: ukalamba, kulumala, imfa ya breadwinner. penshioni malipiro ndalama ndi yomweyo, mmodzi kapena ankafika. Ufulu anapanga pa maziko a koefishienti kapena mfundo. Nzika akhoza kulandira phindu akale-zaka ngati:

• anafika 60. (anthu) ndi zaka 55 (akazi), magawo ena amayamba madalitso oyambirira;
• nthawi inshuwalansi ndi zaka zoposa 15;
• nambala osachepera mfundo anapeza - 30.

Kwa chaka cha utumiki pa nzika anapanga ufulu penshioni mu mawonekedwe a mipira. Chiwerengero chawo zimadalira chimake penshioni. Mu kupanga yekha malipiro inshuwalansi nzika mlandu mfundo 10. Ngati ndalama anatumiza pa mapangidwe ndalama - 6,25.

Olemba kulipira zopereka pa mlingo wa 22% ya thumba la malipiro. Ndi pempho nzika ndalama zonse ungathe kutumizidwa pa mapangidwe penshioni. N'zothekanso chachiwiri chimake: 6% Voterani udzayamba kulamulira mapangidwe inshuwalansi, ndi 16% - chokhala gawo pantchito. Kusankha alipo nzika yekha anabadwa pambuyo 1966. Kuchotsa ndalama akhoza mlandu:

• RF PF ndi kampani kasamalidwe (CC).
• Non-boma PD (APF).

Bungwe anasankha adzakhala zikugwira kutenga ndalama chifukwa ndi ndalama. Koma ntchito nzika za la Russia akhoza, pa nthawi iliyonse kupeza pantchito ndalama kwa SNILS. Mukhoza kuchita izi mu njira zingapo:

• kulandira zidziwitso mu makalata;
• Mawu akaunti munthu;
• pa Intaneti;
• Sberbank nthambi.

Mu December 2014 Pulezidenti wa Russia zinasaina lamulo kuwonjezera moratorium pa ndalama penshioni. malipiro onse 2015 kupita kwa ndalama za penshoni inshuwalansi. Kodi n'chiyani chidzachitikire makampani kasamalidwe pa bwinobwino.

Kodi mukudziwa penshioni ndalama?

Fund penshioni amatumiza nkhani bwino nkhani chaka anthu onse amene anayamba kuntchito, pamaso amasulidwe pantchito zawo. Atalandira kalata, onani kulondola deta pamwamba: dzina Full ndi nambala ya akaunti SNILS. Malinga ndi chikalatacho, mukhoza mungawononge mmene mokhulupirika zopereka bwana anakhala chaka chatha. Kudzikundikira zopereka chimaonetsedwa ndime 3 wa zidziwitso (kwa SP - mu 2). milandu inshuwalansi Intaneti chikuoneka pa ndime 15. Kodi mukudziwa penshioni ndalama kwa mbiri lonse ntchito? Chiwerengero cha amachotsera mbali ziwiri tikuonera ndime 4 ndi 16.

Komanso mu maiko zindikirani:

• kuchuluka kwa ndalama umasamutsidwa ku PF anira kukhulupirira ku kampaniko;
• mbali ya zopereka omwe m'gulu mbali ya mapulogalamu co-ndalama;
• kuchuluka kwa apakati likulu, zomwe cholinga chake ndicho mapangidwe mbali olipiridwa wa penshioni ya;
• Information za anasankha CMO ndi mbiri ndalama.

zidziwitso amenewa amatumizidwa monga makalata olembetsedwa anaperekedwa kwa kasitomala kwa siginecha yake. Ngati kalata siinafike, muli naye kulankhula ndi nthambi m'dera nkhani ya PF mawu.

Kodi ndimaona ndalama penshioni pa SNILS?

Izi zikhoza kuchitika pa Intaneti. Choyamba muyenera kukawerenga pa zipata za mtchalitchi. Zimenezi akhoza anachedwa, akuluakulu ayenera kudziwa wosuta. Akamaliza wochita, mukhoza kupita ku "Akaunti Yanga", ntchito ngati malowedwe SNILS chiwerengero. Njira imeneyi ndi yabwino kwambiri ndi otetezeka monga inu mungakhoze mofulumira kupanga mawu nthawi iliyonse.

The nthambi ya Sberbank

Phunzirani kudzikundikira mu Fund ndi penshioni mwina kudzera zipata za bungwe ngongole. Koma choyamba muyenera kulembetsa mu dongosolo la kuwombola zambiri. Kuti tichite zimenezi, muyenera kutsatira kwa structural unit wa Bank ndalama ndi pasipoti yanu, SNILS ndi kudzapereka ntchito yoyenera. Pambuyo kulembetsa mu mfundo Nawonso achichepere lidzakhala lilipo mu "Akaunti Personal" Intaneti kubanki. yofunsira akhoza olembedwa mu bungwe lililonse ngongole mu dziko, "Uralsib", "Bank of Moscow", VTB, "Gazprom". Apa mmene tikupeza kuchuluka kwa ndalama penshioni.

njira zina

Pali njira ina, ukudziwa bwanji kukula kwa ndalama penshioni. Ngati nzika ya ndalama nonstate penshioni anasankhidwa ngati bungwe lolamulira la accrual ndi malipiro a ndalama, gulu la ndi afunika kudziwa bwino nkhani yanu. mfundo kasitomala mukhoza kupeza pa kuwayendera ndiponso SNILS. Ena NPF kupereka utumiki uwu msonkhano wapadera kwa amalipiritsa.

kuchuluka chitetezo

Chifukwa cha kuchuluka kwa milandu chinyengo, boma kumanga kulamulira anasamutsidwa ndalama pakati pa PF. The Russia anayamba kulandira madandaulo a kutengerapo kosaloleka ndalama. Munthu Kulemba ngongole kwa mankhwala ogula lili buku SNILS mu phukusi la zolemba, ndipo pambuyo pa miyezi ingapo, ndi analidziwitsa imelo za kulanda ndalama kwa PF omwe si a boma. Malinga ndi kafukufuku kuyambirira, chiwerengero cha nzika wodyeredwa motere anthu oposa 26 zikwi.

Koma ngakhale mwalandira kalata kulanda ndalama, musati mantha. vuto zingathe kuthetsedwa. Koma ndi athamangadi mozungulira akuluakulu onse a asilikali. Muyenera kulemba mawu ndi PF payekha kutsirizitsa mgwirizano. Ndipo bwino akudandaula kuti boma yazamalamulo. Ndiye SPC adzafuna kuti anayesedwa Bank ku Central pa kudalirika kwa.

Padakali pano, boma kuyesa kusintha malamulo a ndondomeko watsopano. Ngati kale zinali zokwanira kulemba pangano la tsogolo la insurer, ndi zofunikira kuti awadziwitse mu kulemba PF pa kutengerapo zaufulu za ndalama ku bungwe lina. Kale kukonzekera akusowekapo ndi zitsanzo za mawu amenewa.

mayiko ena CIS

Data pa ndalama penshioni pa Intaneti mukhoza kupeza osati Russia. Kuyambira 2015 woyamba chiwembu amenewa anayamba ntchito mu Republic of Kazakhstan. Kodi ndimaona ndalama penshioni? Kudzera wapadera ntchito mafoni kwa mafoni ndi miyala. Popeza 2013, ndalama zonse inshuwalansi nzika zimatumizidwa nkhani za "Fund Single Accumulative penshioni" JSC. shareholder ake ndi boma nkhope ya Minfinansov ndi kusamalira ndalama zawo zidzakhala Bank National.

Kodi mukudziwa penshioni ndalama? Muyenera kukopera pulogalamu ya ku sitolo Intaneti. Ndiye, pitani Dipatimenti ya PF, kulandira malowedwe achinsinsi. ntchito limayenda pa muyezo https-protocol kwa SSL-zikalata. Mu ndondomeko ya chilolezo mfundo kasitomala jekeseni ndi ENPF Seva. Pambuyo otsitsira ntchito imayamba ndi menyu bar. Mu "Bank Data" anapereka maumboni omwe amaperekedwa ndi kudzikundikira. Sinthani zambiri sangakhale. Onani "yosungirako wanga" tichipeza mawu. Mutha kuona zambiri pa mapangano a mokakamizidwa zaufulu ndi akatswiri thandizo. Mwa kuwonekera pa yoyenera mzere Tingafinye limapezeka nkhani chiwerengero (IPA).

Kudzera ntchito, wosuta akhoza kuona mndandanda wa nthambi maadiresi awo ndi maola kutsegula, kutumiza makalata, kusamalira zoikamo chitetezo, kusintha achinsinsi ndi chinenero.

Pomaliza

Bwana aliyense wogwira ntchito anapereka zopereka ku thumba la ndalama za penshoni pa mlingo wa 22%. Kuyambira 2015, ndalama zonsezo walangizidwa mapangidwe titsate utumiki yaitali. Russia akhoza mosadalira kuyan'ana kuchuluka kwa amachotsera amenewa. Kodi ndikudziwa kumene ndalama penshioni? Mungagwiritse ntchito ku thumba la Tingafinye, kuona sikelo chifukwa Intaneti mtchalitchi, kapena mu "lakutsogolo" wa banki.