Kodi ndi bwino kuyendetsa mu thumba la penshoni? Ubwino ndi kuipa

Kodi ndibwino kuti tisamuke mu thumba la ndalama za penshoni zomwe siziri za boma pa njira zopezera ukalamba wabwino? Inde, nkhaniyi lero ili yofunika kwa anthu a zaka zapakati. Ndipo ena mwa iwo alibe malingaliro kuti boma lidzapereka thandizo lonse kuthetsa vuto ili. Inde, m'mikhalidwe yovuta, poganizira zachuma, akuluakulu amaudindo amadziwitsa anthu kuti adziwonetsetse, komabe anthu akufunikira kukonzekera pasadakhale kuti asawone kuti akuyenera kupuma. Koma izi zingatheke bwanji?

Njira imodzi yothetsera vutoli

Pofuna kulimbikitsa chitukuko cha nzika zakubadwa, ndalama zopanda penshoni za boma (NPF) zakhazikitsidwa. Inde, iwo sanawonekere dzulo, ndipo ambiri a ife tikudziwa kuti alipo.

Panthawi imodzi ngakhale pulogalamu yaikulu yokopa malonda inayambika, cholinga chake chinali kukopa ndalama zochuluka momwe zingathere kumalo apamwambawa. Anthu anayamba kugogoda pakhomo la anthu omwe amapita ku chipatala ndikuwaitanira kuti azichita nawo pulogalamu yatsopano. Ndi pamene funso linayambika: "Kodi ndibwino kuti tisamuke mu thumba la ndalama la penshoni?" Kuti timvetsetse, choyamba tidzatsimikiza kuti bungwe ili ndi liti.

Lingaliro la

Monga mukudziwira, munthu aliyense ali ndi akaunti ya penshoni yokhazikika. Timagwira ntchito, timalandira mphoto kwa izi, gawo lomwe likupita ku PF, lomwe limagawira katunduyo, kachiwiri, kulipeza pang'onopang'ono pa ndalama za penshoni. Kotero munthu amatsimikizira yekha kukhala wokalamba yekha.

APF ndi dongosolo lalamulo, lomwe limayang'aniridwa mosamala kwambiri ndi boma. Pa nthawi yomweyi, ndalama zonse zomwe zimalowa mmenemo ndi inshuwalansi. Chifukwa chake, ngati mwadzidzidzi kuti NPF zonyansa kuchoka pamsika, ndalama zawo zimangopititsa ku dipatimenti ya State Pension Fund. Komabe, zotsatirazi ziyenera kuganiziridwa: APF imapanga ndalama zowonongeka za ndalama za depositors m'maboma, mabungwe a boma, mabanki, ma akaunti ndi mabungwe a ngongole ndi zina zotero.

Mwachidziwikire, nzika imakhala yopindulitsa chifukwa cha ndalama zoterozo.

Kukhala kapena osakhala?

Poganizira funso lakuti ngati mungasamuke ku thumba la ndalama la penshoni, nkofunika kumvetsetsa zotsatirazi: Kuchuluka kwa chikhalidwe cha anthu omwe adzapumule m'tsogolomu ndi mbali zitatu. Choyamba (6%) - amapindulitsa okalamba (amuna pambuyo pa zaka 60 ndi akazi pambuyo pa zaka 55). Inshuwalansi (14%) - imagwiritsidwa ntchito pa akaunti ya mwini wake, koma m'kupita kwa nthawi "idyidwanso" ndi kupuma kwa ndalama. Kusonkhanitsa (2%) - cholinga chake ndi kupereka zinthu zakuthupi zapenser. Ndilo gawo lomalizira pazigawo zomwe tazitchula pamwambapa zomwe ziri zofunika kwambiri. Mwachidziwikiratu, mlingo wa 2% siwongokwanira kuti munthu akhale ndi chidaliro pamene akupita kupumula. Ponena za APF, mmalo mwake gawo loyambira si 2%, koma 6%. Zoonadi, tsatanetsatanewu ikufotokozera kuti ndi bwino kuti tisamuke mu thumba la ndalama la penshoni. Ndipo komabe, pa chisankho chake pali zotsutsana. Tiyeni tilembere zofunika kwambiri.

Zotsatira

Akatswiri ena, akafunsidwa kuti: "Kodi ndipite ku APF?", Lembani molimba mtima kuti: "Inde!" Chifukwa chiyani?

Choyamba, malipiro a mwezi uliwonse sadzapereka chabe kwa anthu, koma ndi gawo la ndalama, zomwe zimapangidwa ndi chuma chomwe adalandira kupyolera mu ndalama za ndalama. Komabe, posankha ngati mutumizidwe ku APF komanso mutapindulapo ndi zotsatirazi, nkofunika kulingalira izi: mgwirizano, nthawi zambiri, phindu likhoza kukhazikitsidwa, chifukwa chonenedweratu ndi momwe zinthu zidzakhalire pa msika wa mdziko, ndipo zidzakhala zotani Zotsatira za masewerawa pazomboli za masitolo ndi zovuta kwambiri.

Phindu lalikulu la pulogalamu yakale yomwe ikugwiritsidwa ntchito ndikuti imapereka chitetezo cha ndalama zomwe zimayendetsedwa: ngati mapulojekiti ena amasonyeza kuti alibe phindu, ndalama za makasitomalawo sizingachepetseke, monga momwe chiwerengerochi chimapangidwira kuwonongeka kwa malo ake.

Mukukayika ngati mukuyenera kupita ku NFP? Mwinamwake mfundo yakuti ngati kusintha kulikonse mu msika wamalonda kumachitika, kapangidwe kameneko sikangasiyidwe popanda kusamaliranso ndikusintha ndondomeko ya ndalama za chaka, chifukwa cha zochitika zowonjezera.

Wokondedwa

Komabe, palinso gawo la akatswiri omwe, atafunsidwa kuti: "Kodi ndikufunika kupita ku thumba la penshoni?" Popanda kukayikira, yankhani molakwika. Chifukwa chiyani?

Choyamba, ngati chaka chachuma chimawoneka chosasangalatsa, ndiye kuti sipadzakhalanso kukayikira komwe kulipo phindu.

Chachiwiri, ngati chithunzichi chilibe chifukwa choletsedwa, chiwongolero cha kusamutsira ndalama kumalo ena APF ndikulipiritsa ndalamazo pamapope a wogulitsa. Inde, zovuta izi sizingatchedwe kuti ndizofunikira, komabe zimapereka chisokonezo china, koma pali zowonjezera zambiri. Inde, vutoli, ngati kuli koyenera kutumizira ku thumba la ndalama la penshoni, aliyense ayenera kusankha yekha.

Zotsatira za ndondomekoyi

Kwa ambiri, funsoli silikudziwika bwino: "Kodi kusintha kuchokera ku RPF kupita ku APF ndi ufulu kapena udindo?" Mwachibadwa, palibe amene angakakamize aliyense kuchita izi, chifukwa ndi mwaufulu. Kuwonjezera pamenepo, mukhoza kulemba mawu oyenerera pa kusintha kwa malo osakhala ndi boma nthawi iliyonse ya chaka, izi zimachitika kamodzi pa miyezi 12 iliyonse. Chidziwitsochi chiyenera kusonyeza bungwe lovomerezeka, komwe gawo la penshoni lidzasonkhanitsidwa .

Ndondomeko ya ndondomekoyi

Simudziwa kuti mungasamuke bwanji ku thumba la penshoni? Ndikofunika kuchita zotsatirazi:

1. Dziwani zomwe mumakhulupirira kwambiri. Fufuzani mayankho a anthu omwe apanga ndalama mu APF, fufuzani zaka zingapo pamsika, ndipo mudziwe zolemba za mutu wa kampani.

2. Lembani mgwirizano umene umapereka inshuwalansi yowonjezera, ndikuphunzirani mwatsatanetsatane. Chidziwitsochi chiyenera kufotokoza momveka bwino momwe zingathere kupereka komanso kupereka nthawi zambiri. Musanayambe kusindikiza papepala, sizingakhale zopanda phindu kukhazikitsa ndondomeko ya penshoni ndi antchito, momwe mawerengero omwe ali ndi mwayi wosinthidwawo adziwika, malingana ndi momwe angapangidwire panthawi ya penshoni. Kubwezeretsedwa kosavuta kwa ndalama ndi chimodzi mwa zinthu zabwino kwambiri kwa chithandizo.

3. Patsiku la 31 December, tumizani bungwe la FIU ndikupempha kuti mutumize ku APF.

4. Yembekezani kulembedwa chidziwitso cha chisankhocho.

Tsopano muli ndi lingaliro la momwe mungatumizire ku thumba la ndalama la penshoni.

Njira zobweretsera zolemba

Mukhoza kutumiza ntchitoyo kwa wogwira ntchito FIU. Onetsetsani kuti mubweretse SNILS ndi pasipoti. Ndipo musaiwale kupempha chilolezo choyenera mu zolembazo.

Mukhoza kutumiza pempho kuti mupititse ku APF kudzera mu dongosolo la MFC.

Sichiletsedwa kuthetsa vesili pamwamba ndi makalata. Pankhaniyi, muyenera kugwiritsa ntchito mauthenga amtumiki olembetsa ndi chojambulidwa ndi chidziwitso.

Mu envelopu idzakhala yofunikira kusindikiza ntchitoyi yodzazidwa ndi mawonekedwe apadera, ma photocopies a SNILS ndi pasipoti.

Kutsiliza

Ambiri akudandaula: kodi zidzakhala zovuta komanso zovuta kufunsira penshoni mu APF? Kodi masewerawa ndi ofunikira kandulo? Ndizo zomwe zimadetsa nkhaŵa za m'tsogolo. Ponena za woyamba, ndibwino kuti ndondomeko ya kusintha isachotse mphamvu ndi mitsempha yambiri kuchokera kwa kasitomala. Kwachiwiri, ziyenera kuganizidwa ndi aliyense payekha, pokambiranapo kale zokhudzana ndi ubwino ndi zoyipa.

Malingaliro a akatswiri pa nkhaniyi anagawikana: ena amanena kuti APF ndi njira yabwino yosankhira maziko abwino a ukalamba. Vuto ndi kupeza kampani yodalirika yomwe imayang'anira bwino ndalama zanu. Apo ayi, penshoni sidzakhala yotetezedwa. Ena amalimbikitsa kuti asamafulumire ndikukambirana njira zina zogulira ndalama, zomwe lero zili zambiri. Mwachitsanzo, mungagwiritse ntchito ndalama mumagulitsidwe, malo ogulitsa nyumba, kugwiritsa ntchito akaunti ya pamm ndi zina zotero. Kutumiza kapena kusamutsira penshoni ku APF? Sankhani nokha!