Maso riziki penshioni ntchito wazaka zapakati munthu

Penshioni amapindula Russia - ndi kungakupatseni malipiro a penshoni kwa nzika za dziko lathu. No dera la ntchito m'boma sayambitsa kutsutsa kwambiri monga dongosolo penshioni. Ndipo ngati penshioni ya nthawi zonse kuwonjezeka, kuti kuyambitsa latsopano luso chilinganizo cha mawerengedwe ake, ndipo mtundu wonsewo malipiro kupanga ndalama zambiri. Koma ngati inu kutenga wina pensioner payekha, inu mukhoza kudabwa momwe iye amakhala moyo pa ndalama. Umayamba ngati kuti penshioni mu Russia ndi ofanana kuti chilombo lanthano. Iwo kudyetsedwa ndi pleasuring, kukongola kudya nthaŵi zonse, ndi chochita naye, palibe aliyense akudziwa.

Ngati tiyang'ana pa penshoni mawu a ntchito wazaka zapakati munthu, panyengo ndi dongosolo kuti imakhala ndi kuvomerezedwa inshuwalansi gawo, yomwe ndi 20% ya zopereka zonse penshioni ndi gawo ndalama zolipirira (ankalemekeza 6%). Pankhaniyi, kuchuluka chokhala ndi kuchepetsedwa. Ndikufuna funso: chifukwa chiyani anafunika konse ngati zotsatira zake zimakhala zochepa kwambiri?

Ndipamene gawo la ubwino inshuwalansi penshioni ya panopa anapuma. Ntchito unzika zopereka kulipira akale zaka penshoni. ndalama ukubwera olembedwa nkhaniyi. Ndilonjeze kuti kutsogoloku kwa kuchuluka anapeza pa izo, munthu amatamanda pantchito yake. Koma! O, izo ndi "koma"! Ambiri mwa malipiro nduna Russia ndi mtengo wa moyo, ndi zimene penshioni adzakhala ndi kopecks izi sizinali bwino. Komanso kusintha penshioni m'dziko lathu zimachitika ndi zonse zodabwitsa. Ngakhale ndi zabwino "woyera" malipiro, munthu sangathe kupeza chitsimikizo kuti pantchito sadzakhala kochepa.

Tsopano, riziki payekha penshioni. Ndi nyama za mitundu osadziwika. Izi mawonekedwe a ndalama penshioni kulibe m'mayiko pafupifupi onse otukuka. Man amalenga gawo ena a penshioni zawo. Amasankha thumba lomwe deduct mbali ya zopereka wake penshioni. The Fund invests kupanga kapena sheya, phindu ndi magawo ndi
depositors. Bwino ndi zomveka. Koma osati pano. Tipite njira zathu kotheratu. Choyamba, kuchuluka deducted ndi thumba la kuchepa kwa 6% 4%. Musataye mtima komanso zoipa - mwa ndalama penshioni, monga mwa nthawi zonse, "kuba". nzika mukupemphedwa kutenga nawo mbali pa pulogalamu ya co-ndalama. Zikuoneka kuti, zinthu monga lowoneka ndipo anthu anaopa ndipo sanakhulupirire kuti ndalama wake kunyumba. Moyo anatiphunzitsa kuti asamakhulupirire akuluakulu ... Pa mfundo imeneyi pulogalamu n'kopindulitsa kuchita anthu amene patsogolo pantchito anasiya chilichonse. Chifukwa chiyani? Choyamba, pali chitsimikizo kuti ndalama. Kachiwiri, anthu anabadwa mu 1966 mpaka ndalama zolipirira chonsecho amapereka ndalama osati choposa 15 zikwi chaka. Mukhoza kukumba, pogwiritsa ntchito nkhani ntchitoyo monga gawo a. Ngati kudzikundikira kulola kuti athe kulandira enaake penshioni kwa zaka zingapo. Koma zotsalazo ndidzafotokoza kukhulupirira basi zonse zikhala bwino.

riziki penshioni cholinga zimatsimikizira nzika moyo wathunthu pambuyo isanayambike ukalamba ndi dziko lathu mpaka yekha analonjeza kuti pensioners angafe ndi njala.