Fund penshioni "Kuvomereza": ndemanga kasitomala, ndi ntchito malamulo

anthu ambiri akuyesetsa kusamalira za tsogolo lawo, ndipo ngati munthu osakhutira ndi momwe boma limeneli, iwo akhoza nthawi iliyonse kutenga tsogolo lawo m'manja mwawo ndiponso kuti adzawapatse m'tsogolo osasamala. Ndi chifukwa chake zisakuyenda wakhala ntchito mwamsanga amapereka makasitomala ake "Kuvomereza" Fund penshioni. ndemanga kasitomala ndi limatiphunzitsa kuti mumve zambiri zofunika pa momwe ntchito bungwe ndipo ndikuti ngati kapena ayi izo akukwaniritsa udindo wake.

M'nkhaniyi tiona amene oyang'anira ali operekedwa ndi kampani imeneyi ntchito yake ndi kuti makasitomala ake ndikuganiza.

Ops

Kuvomerezedwa penshioni inshuwalansi ndi dongosolo limene boma amagwira ntchito mapangidwe gwero la ndalama za penshoni kwa nzika. Pa nthawi yomweyo anthu amene ataphimbidwa ndi Ops, tikhoza kunena kuti anthu inshuwaransi, ndipo mu nkhani ya chochitika inshuwaransi, monga kulumala kapena kuti tikwaniritse m'badwo yoyenera, kupereka phindu zina kwa anthu zikugwira Fund ndi penshioni "Kuvomereza". Kasitomala ndemanga zikusonyeza kuti panopa thumba kwenikweni popanda kuphwanya udindo wake, ngakhale kuti anthu ena ali ndi mavuto ena.

Ndani inshuwaransi?

Mu nkhani iyi, inshuwaransi ndi nzika za Russian Federation kapena munthu amene amakhala mongoyembekezera m'dera la Chitaganya cha Russia ngati:

• Mozama malinga ndi ntchito analemba kapena kuti mgwirizano yapachiweniweni;
• Iwo ali oyima mapulogalamu ntchito (a loya, odziwitsa, mlimi kapena wazamalonda);
• ntchito kunja kwa dzikoli, koma zonse amalipira premiums ku thumbali.

Ngati munthu alidi ndi inshuwaransi, azipereka Kalata lolingana, amene alembedwa deta wake, komanso inshuwalansi munthu chiwerengero. Nkhani satifiketi inshuwalansi ikuchitika pambuyo pamtima Fund ndi penshioni, kapena nkhani ya ntchito choyamba. Pakali pano, anthu oposa 100 miliyoni mu Russia ndi anthu inshuwaransi.

inshuwalansi akuda

Inde, adiministratorom lalikulu mu nkhani iyi ndi Fund Russian penshioni, amene amasamalira ndalama zonse penshioni. Koma kwenikweni, ikufanana ndi thumba ichi monga insurer a amathanso sanali boma penshioni ndalama kapena makampani kasamalidwe ziwalo, koma mwa mapangidwe otchedwa ndalama zolipirira penshioni. The insurer ndi chinkhoswe mu kudzikundikira mwapang'onopang'ono premiums inshuwalansi kwa anthu inshuwaransi ndipo nthawi yomweyo iwo anapanga ndalama izi kudzera makampani apadera kasamalidwe ndalama.

Munthu inshuwaransi amene secures ndi penshioni contributory sizim'vuta kusankha insurer zimene ndalamazo, ndipo ambiri kusankha Fund ndi penshioni "Kuvomereza". Makasitomala Reviews chikondwerero osati ndalama khola ndi kukula likulu, komanso utumiki akatswiri amene amapereka thandizo lililonse kasitomala.

cofinancing

Malinga ndi malamulo mu mphamvu kuyambira 2009, kuthamanga pulogalamu ya co-ndalama za penshoni wambirimbiri likulu latsopano la Russia. Chifukwa cha zimenezi, anthu ali ndi mwayi wapadera kwambiri kuwonjezera pantchito zawo m'tsogolo, kumadzipangitsa mgwirizano ndi bungwe monga Fund ndi penshioni "Kuvomereza". ndemanga kasitomala zambiri onani utumiki umenewu, monga limakupatsani imodzi kulandira malipiro ku boma ndi omwe si a boma ndalama penshioni.

Malinga ndi pulogalamu imeneyi, nzika iliyonse ali ndi ufulu kusamutsa zopereka munthu mpaka ndalama zolipirira. Ngati inu mukutenga nawo mbali mu pulogalamuyi, muli ndi mwayi kwambiri kukuza kuchuluka kwa mbali ndalama zolipirira za penshioni m'tsogolo. Dziwani kuti onse zopereka zina adzakhala pawiri patadutsa zaka 10, koma chokha mu nkhani iyi ndi kumayambiriro zosachepera 2,000 rubles chaka. Komanso, pali chinthu chimodzi - ndi surcharge pasakhale oposa 12 000 rubles pa chaka. Pa nkhani imeneyi, pazipita zotheka kukonzedwa kwa gawo ndalama zolipirira wa penshioni ku State 120 000 rubles.

Malinga ndi lamulo boma tsiku lomalizira kwa chiphaso ofunsira anali ndi chiyambi cha 2015.

Kugwira ntchito ndi ndalama si boma

Penshioni thumba "Kuvomereza" imaperekanso inu nawo ndalama zaufulu, zomwe zimathandiza kuti kwambiri kukuza okwana chokhala gawo la penshioni, pogwiritsa osati kuchuluka kwa boma, komanso ndalama zimene amapeza, amene adzakhala nthawi zonse mlandu ndi thumba mu akaunti yanu.

Makasitomala amakonda kufunsa ngati kapena ayi pulogalamuyi ndi kupezeka kwa anapuma amene sizikugwira ntchito kapena ntchito pa mphindi. Malinga ndi kusintha kwa malamulo panopa boma kuthana ndi zopereka co-ndalama okhawo ophunzira amene kale analandira ndalama za penshoni, kudzera Fund ndi penshioni ya Russia, koma lamulo limeneli sikumangotikhudza anthu amene amabwera mu pulogalamu isanayambe October 2014.

Kodi ubwino wa utumiki chiyani?

• anaperekapo adzapitiriza kukula pa nthawi;
• kenako mukhoza kupeza kuwonjezeka kwambiri, zabwino kwambiri penshioni awo;
• inu mumatenga azilandira ndalama ndalama, amene amathandiza inu sanali boma 'Kuvomereza' thumba penshioni;
• Palibe zoletsa monga chimene chingakhale kukula kwa amachotsera;
• nthawi ndi ndalama zopereka anapanga, komanso masiku mbali yanu mu pulogalamuyi, mukhoza chimatanthauza kwathunthu paokha;
• n'zotheka kupeza wapadera msonkho deduction aliyense kuchuluka kuti inu mukhala mu gawo lanu accumulative a penshoni mkati pulogalamuyo;
• anapeza ndalama akhoza anatengera assignees onse pa yosungirako ndipo pambuyo munthu inshuwaransi anapuma.

Mtima thumba izi?

Feedback kwa makasitomala ndi kovuta kudziwa manambala, mmene kwenikweni ndi "Kuvomereza" Fund penshioni Non-State. Reviews a chilamulo - ndi nkhani ina, pamene anthu awa amakhala osamala kusanthula makampani masiku ano akhoza kusokoneza iwo mu mitundu yonse ya mayesero.

Choyamba ndi Dziwani chakuti mlingo bungwe "Katswiri RA" wapatsa kampani msinkhu kwambiri mkulu wa kudalirika kuti kale akulankhula za mbiri yabwino ya kampani mu inshuwalansi msika.

Private ndalama kapena boma?

Choyamba ndi Dziwani za anasonkhanitsa profitability wa kampani, wofanana 30,55% mu zaka zitatu zapitazi. chithunzi Ichi kwambiri kuposa zimene zimawonedwa m'chigawo kasamalidwe kampani, chifukwa pa nthawi yomweyi zokolola chokhala ndi% 15,95 yekha malinga ndi sheya mbiri ndi 19,68% malinga ndi yaitali mbiri ndalama.

9,84% pa chaka kampani amalandira kuchokera ndalama ya ndalama penshioni, kuwonjezera nkhani makasitomala awo. Pa nthawi yomweyo 11,44% - ichi ndi profitability, umene wakhala anawagawira nkhani zosiyanasiyana penshioni kumapeto kwa 2013. Dziwani kuti nthawi kuti anali mmodzi wa wokwera pakati pa makampani onse ntchito m'munda umenewu. Pa nthawi yomweyo mu 2012. zokolola anali 12,7% ndipo umaimira mlingo wokwera pakati mabungwe onse ofanana.

Kukhala m'malo mwa ndondomeko ndi ndalama chilungamo zosiyanasiyana zochitika zothandiza kwambiri zimene zingathe kupereka zonse apamwamba a utumiki, komanso ndi mkulu, ndipo nthawi yomweyo mitengo khola adzabweranso padera ndalama penshioni, amene anathandiza kupanga kukhulupirika ngongole komanso odalirika makasitomala mmene "Kuvomereza" Non-State Fund penshioni. Reviews a chilamulo sichinenanso kuti litigation aliyense ndi bungwe ili ndi dongosolo la udzakwaniritsidwa zochepa poyerekeza ndi ambiri mabungwe a zachuma.

Monga malipiro anapangidwa?

Makasitomala apatsidwa mwayi kwa penshioni kukachitika kuti iwo kale zaka zopuma pantchito, koma kupatula kuti nawonso amapereka malipiro a mbali olipiridwa wa penshioni pamaso tsiku lomalizira anapatsidwa. Mu gulu ili kugwa nzika amene kuthana ndi mitundu loopsali kupanga kapena anthu amene amakhala m'dera mwachilungamo nkhanza. Mwakucimbidza tisaiwale kuti mndandanda izi motsatira malamulo mu mphamvu, kotero muyenera kuwerenga bukulo pamaso kuonera ndi kuukonza wa mokoma osiyana.

Kupereka limodzi nthawi malipiro onse kuchuluka anasonkhanitsa n'zotheka milandu zotsatirazi:

• munthu amalandira penshoni chifukwa cha imfa ya breadwinner kapena kulumala;
• Amalandira ndalama za penshoni, malinga ndi makonzedwe penshioni boma, koma palibe tanthauzo la ufulu ukalamba penshoni chifukwa chakuti palibe zofunikira inshuwalansi nthawi;
• okwana kukula chokhala gawo penshioni ukufika 5% kuchuluka okwana penshoni zakubadwa.

Zichitike malipiro pambuyo pasanathe zaka 10 zitheka mu ngati munthu ali chiwalo cha pulogalamu penshioni co-ndalama ndi nthawi yomweyo ndalama zawo penshioni anapanga komanso chifukwa cha kutenga mbali mu pulogalamuyi (mwa kulankhula kwina, kupereka zopereka zina inshuwalansi kwa gawo ndalama zolipirira). Komanso pa nkhani ya kudzikundikira popangidwa ndi ntchito likulu banja kapena mbali zina za izo, inu kupereka malipiro mwadzidzidzi "Kuvomereza" Non-State Fund penshioni. Kaya kuti agwirizane pulogalamu wotere - ndi zokonda zathu wa munthu aliyense, monga ambiri zinthu deta zovomerezeka ndithu, pamene ena mwamtheradi si abwino.

Kodi kupereka dipo?

Penshoni chilolezo pachiyambi ikuchitika mwachindunji mu ofesi yaikulu, limene lili Leningradsky Prospekt mu Moscow, koma kwa anthu awo amene sangathe kuchita ichi, pali kuthekera kutumiza ntchito makalata kapena kudzera chogwirizana osachiritsika penshioni, amene angapezeke, ngati inu kupita webusaiti , amene wokwatibwa ndi "Kuvomereza" Non-State Fund penshioni. Kapena kuchita zikachitika - kusankha yekha wanu, chifukwa tonsefe tili ndi maganizo osiyanasiyana pankhani ya mtundu wa utumiki.

Mwakucimbidza Dziwani chakuti akhoza kwambiri kufulumizitsa wonse processing ndondomeko kukachitika kuti inu kupanga chisanadze foni ku kampaniyo. Choncho, mudzatha Pre-upo pa mokoma zosiyanasiyana za ntchito, komanso nthawi ya umwana awo.

Kodi ubwino wa ntchito ndi thumba chiyani?

Kumene, anthu amakonda kuganiza kwambiri, ndipo ngati ndikofunikira kugwira ntchito ndi NPF "Kuvomereza". Wina ali ndi chizolowezi sakhulupirira mabungwe aliyense chuma, pamene ena okonzeka aganyali kampani oterowo, koma pa yomweyo chikaiko ndendende kusankha bwino. Kuti ndi chifukwa chake kuli kofunika kukambirana ubwino ochepa a ntchito ndi Fund.

profitability

Inde, profitability wa NPF "Kuvomereza" utsogoleri zimadalira kuchuluka okwana penshioni tsogolo lanu. Ngakhale kusiyana ndi chabe peresenti zochepa annum kwa zaka 20-30 mudzatha kuonjezera penshioni zake koposa kawiri. Malinga ndi zotsatira za zaka zitatu zapitazi, profitability ya gulu ndi 30,55%, lomwe ndi zotsatira zabwino, makamaka poyerekeza ndi zomwe mabungwe ena.

Aliyense akumvetsa zimenezo chinthu choyipa chomwe chingabweretse kwa Fund ndi onse ogula - ndi kupanda kukula ndalama, koma zikugwira ntchito ziwerengero mpaka zikusonyeza kuti NPF "Kuvomereza" si mantha, choncho pakati Olemba ndemanga ndi pafupifupi palibe anthu pofuna kutsirizitsa mgwirizanowo.

kampaniyo amayesetsa mosamala kufikako kusankha malo ndalama kuti kupereka ogula choncho okha ndalama zotheka kwambiri. Osati chinsinsi kuti ndalama ano boma ndi apadera zachuma mafakitale magulu, umene ndalama amapangidwa makamaka zofuna za makampani amenewa m'malo ndalama. Pa nthawi yomweyo, gulu kasamalidwe ndi wapampando wa Board Evgeny Dobrovolsky (NPF "Kuvomereza") alibe mogwirizana ndi nyumba, choncho yesani yopeza ndalama mu chidwi wamba ndi makasitomala.

Ndi kudziŵa zambiri kasamalidwe, komanso kumvetsa mwatsatanetsatane m'minda wawo, akatswiri kusankha malo abwino kwambiri ndalama, umboni ndi mlingo zonse mkulu wa profitability ya gulu poyerekeza mpikisano.

mayiko

Kugwira ntchito ndi kampani, ngakhale ndemanga kasitomala, ndi omasuka kwambiri, ndipo koposa zonse, ambiri udindo utumiki akatswiri. Amangomutcha kapena kulemba kalata, mabwana anayamba kulimbana ndi funso lanu. Oyambitsa NPF "Kuvomereza" amangofuna kuonetsetsa kuti kampani wapereka wapamwamba kwambiri utumiki ndi kuonjezera profitability. Ngati inu muti kukhala ndi kasitomala kampaniyo, akatswiri akatswiri yomweyo pa nkhawa za tsogolo lanu bwino, pa ulamuliro yemweyo nthawi yawo limatanthauza mungathe kudzera foni kapena apadera osachiritsika penshioni.

Nthambi NPF "Kuvomereza" pamtunda m'dziko lonselo, kotero anabwera ndi kupeza malangizo kapena kukhala kasitomala wa kampani kungakhale aliyense, kaya malo ake okhala. Izi katundu zambiri zofunika kwambiri.

kudalilika

Kumene, chithunzi ichi ndi yosangalatsa kwambiri kwa anthu amakono ambiri amene ali ndi chidwi umafuna ku bungwe "Kuvomereza". Fund penshioni, a mlingo umene uli lero mmodzi wa apamwamba pakati pa magulu ofanana, ndi ntchito kuyambira mu 1994 akadali akuzisunga mbiri yake moona odalirika dongosolo la zachuma, amene kwambiri bwinobwino anapereka ntchito zokhudzana ndi makonzedwe payekha penshioni zosiyanasiyana makampani. Ngati 06.15.15 chiwerengero cha ndalama penshioni m'gulu ukufika biliyoni 21 rubles.

Komanso JSC "penshioni Fund Kuvomereza" ali gawo likulu, kuchuluka kwa zomwe ndi 150 miliyoni rubles.

Zonse zapenshoni zimatsimikiziridwa. Mpaka pano, thumba la ndalama zapanda ndende "Soglasie" likuphatikizidwanso mu bukhu la ndalama za penshoni za boma. Mgwirizano womwe mumagwirizana ndi kampaniyi ndi inshuwalansi ndi boma, monga kampani ikugwira nawo ntchito yotsimikiziranso ufulu wa munthu aliyense wothandizidwa.

Chilolezo choletsedwa

Ndikoyenera kuzindikira kuti anthu ambiri amakhulupirira kuti ntchito ya thumba ili inathetsedwa mwalamulo, koma kwenikweni ayi. Pa NPF Soglasie, chilolezocho chinachotsedwa mwachangu, popeza aphunzitsi adaganiza kuti chitukuko cha ndalama ziwiri panthawi imodzimodzi si choyenera. Pambuyo poletsedwa laisensiyi, thumba logwiritsira ntchito limodzi lomweli linayamba kugwira ntchito mu ulamuliro wakale. Ntchito zonse ndi ufulu wokhudzana ndi inshuwalansi ya penshoni kuchokera ku NPF adasamutsidwa kwa iye, ndipo palibe chigamulo chomwe chinagonjetsedwa kuti athetse mgwirizano ndi wina aliyense.