Mfundo penshioni - ndi chiyani ichi? Mfundo accrued penshioni?

M'zaka zaposachedwapa, kusintha penshioni lasintha ambiri kuti agwirizane ndi kusochera mu chiwerengero. Amene ndi mochuluka bwanji n'kofunika? Amene woyamba anafunsa funso, pomwepo mutatulukira wina chidwi kwambiri tanthauzo: mfundo penshioni. Kodi izo nanga ndalama akufuna kuti ife ndi boma chifukwa pantchito yawo? Pa osati kuchita ife kulankhula lero.

PKI Kodi ndi mmene kuwerengera ndalama za penshoni?

Ndi kukhazikitsidwa kwa Chilamulo Federal "Pa Insurance penshoni" m'miyoyo yathu analowa ndondomeko yatsopano chopezera ndalama "chifukwa ukalamba." Tsopano chiwerengero cha banknotes analandira mwa inu pa msinkhu winawake, kudzadalira osati kwambiri pa zaka zinyalala zambiri chinthu monga mfundo pantchito. Ndi chiyani icho?

zinachitikira onse amene amadza mwa munthu pa nthawi ya isanayambike maola X, n'kukhala mfundo. zosonkhanitsira awo amatchedwa munthu penshioni koyefishienti, chidule monga IPC. Choncho, penshioni ali zotsatirazi:

P = F + H + B * Anakhala

• P - penshioni;
• F - kuliika ndalama, anapereka chaka ndi boma;
• N - zolipirira mbali ya penshioni kwa anthu amene ali nayo aumbike;
• B - chiwerengero cha mfundo penshioni;
• ndalama penshioni 1 mphambu m'chaka apano - Anakhala.

Pamene ili nthawi kupuma

Kuyamba chonse cha penshioni, wokhala Alembe pali zinthu zotsatirazi:

• kuwafika zaka zopuma pantchito mulibe boma;
• ndi mkulu woposa kapena kukhala wofanana ndi osachepera;
• mphambu mlingo wa mfundo penshioni.

Ngati chimodzi cha zinthu ndi sakukhutitsidwa, nzika ali yachiwiriyo:

• kupitiriza kugwira ntchito mpaka pamene zinthu zonse zimapezeka;
• ntchito kwa PF kwa accrual wa penshioni chikhalidwe pa kufika zaka chofunika (zaka 60/65 akazi / amuna, motero).

Accrual mfundo penshioni anapangidwa kwa chaka cha utumiki. Choncho m'malo anthu Patapita adzapita apangirepo penshioni, mfundo zambiri Iye afuna. Koma ndiye pali malire osachepera. No mfundo - penshoni. Pakali pano, ndinkakonda osachepera wofanana 11,4, ndi mu 2025 mtengo uwu udzakhala anthu ambiri 30.

Mofananamo, malinga zingawonjezere ndi kutalika osachepera utumiki. Amene anapuma mu 2017, zokwanira ntchito zaka 7, m'tsogolo chithunzi ichi udzakhala wautali 15 ndi 2025 adzakhala wopambana kwambiri.
Dziwani kuti nthawi imeneyi amakhala ndi nthawi awa:

• lamulo;
• usilikali;
• nthawi kulumala;
• m'ndende;
• nthawi imene kuwombola ntchito;
• zambiri.

Amodzi malipiro ndi kukula kwake

Kumvetsa mmene accrued mfundo penshioni, tiyeni tiyang'ane pa chilichonse chigawo m'gulu njira payokha.

Woyamba chiwerengero - P, ie, malipiro lokhazikika. Ndi kuchuluka anapereka boma sikudalira magawo aliyense wa ntchito yanu. Kuyambira 2016 kukula chili mwamphamvu ndipo 4000 ndi 559 rubles. Mofananamo, atathana kufufuma chinthu, umene chaka kuonjezera chithunzi ichi. Iye 1,04. Ie mu 2017. atathana nawo mbali mu njira kwa kuwerengetsa penshoni chiri motere:

4559 * 1,04 = 4741 (khobiri kwa mayiko kutaya).

Palinso magulu angapo, omwe ndi mpweya mitengo:

• invalids wa gulu loyamba;
• anthu, amene "anagogoda" kwa 80;
• kugwira ntchito kapena kukhala m'dera kumpoto kapena ukugwira kwa izo;
• ndi membala yozungulira banja, asapatsire sangathe kugwira ntchito paokha.

Kodi kuwerengera mfundo?

Choncho, mfundo penshioni. Kodi ilo, mochuluka kapena sichidziwika bwino. Apa mmene awerengere nambala awo? Chirichonse si mophweka.

Chithunzi chachiwiri pa dongosolo lathu waima H, kapena gawo accumulative wa penshioni ya. Kodi izo zinachokera kuti?

Kwa kanthawi tsopano nzika ya Russia anaitanidwa kuti apange pantchito wake m'njira ziwiri:

1. kulandira kokha inshuwalansi penshioni ndi kusamutsa mapangidwe ake 16% ya malipiro.
2. M'magulu awiri pantchito. Kuchita izi, 10% ya malipiro ndi kunditumiza ku inshuwalansi gawo, ndipo 6% ali atasunga nkhani yapadera ndi kuchuluka kwa ndalama chokhala. Izi N. wathu

Isanafike 2015, nzika Russian anatilola kusankha wotani pantchito iwo adzayenera:

• inshuwalansi yekha;
• + Zolipirira inshuwalansi.

Kuyambira miyezi wa zigoli 2015 munthu akhoza kuchita masamu ndi chilinganizo zotsatirazi:

B = (St / cm) 10 *

• Sv - zopereka zatchulidwa pa inshuwalansi mbali ya penshoni kwa zasungidwa (pachaka). Mtengo wake zimadalira malipiro pa chimodzimodzi chimene munthu wasankha penshioni a.
• Onani - pazipita zotheka kuchuluka inshuwalansi malipiro a utumiki mlingo (16%), anapitiriza ndi yaikulu vznosooblagaemoy malipiro (m'munsi).

Mwachitsanzo mawerengedwe

Tiyeni kuyesera paokha kuwerengetsa mfundo penshioni. Kuti si zovuta, izo Tingaone mu zotsatirazi:

K. wantchito malipiro - 35 zikwi rubles mwezi .. Izi zikutanthauza kuti mu chaka iye amapezera 420 zikwi. Rubles.

Malipiro pazipita kwa kuwerengetsa zopereka ku thumba la ndalama za penshoni mu 2017 ndi wofanana 876 zikwi rubles Russian. Zopereka ziriri izi:

876 000 16% = 140 160 rubles. Izi Onani wathu.

njira 1

Nzika K. anasankha kulandira kokha inshuwalansi penshioni. Pankhaniyi, ndalama zopereka pachaka thumba penshioni adzakhala:

St. = 420 000 16% = 67 200 rubles.

Tsopano kuwerengetsa mfundo penshioni kwa 2017:

B = (67 200/140 160) * 10 = 4.79

njira 2

Anzathu K. anasankha chitsanzo wosanganiza a penshoni, ndi zina ali inshuwalansi ndi gawo olipiridwa. Pankhaniyi:

St. = 420 000 10% = 42 000 rubles.

B = (42.000 / 140.160) * 10 = 2.997

Tiyenera kukumbukira kuti pali nambala pazipita mayunitsi wa zigoli kuti anapuma m'tsogolo akhoza kuyimba mu Chaka chilichonse. Mu kuwerengetsera zosinthika choyamba mu 2017 chiwerengerochi ndi 8,26, pamene Baibulo chachiwiri - 5,16. Chiwerengerochi ali mogwirizana ndi kusintha chaka ndi 2021 adzakhala 10 ndi 6,25 motero. Ngakhale mawerengedwe udzapeza chiwerengero zikuluzikulu kokha n'komwe zizindikiro zimenezi.

Kodi kuwerengera "Soviet" zinachitikira?

Nanga bwanji anthu amene ali mbali ina ya moyo wake anagwira ntchito USSR? Kodi kuwerengera mfundo penshioni kwa chochitika Soviet? Ndi zonse zambiri zovuta. Boma akumufunsira kutembenuza ufulu onse penshioni anagula mu zaka zam'mbuyo.

Apa momwe:

1. penshioni onse udachita pamaso 2002 kumasuliridwa mu ofanana ndalama. Pamene mawerengedwe imeneyi ikuchitika pansi pa kachitidwe kachikale, kutenga nkhani kutalika kwa utumiki ndi malipiro aliyense zaka 5 zotsatizana.
2. chithunzi Izi kuchulukitsa ndi (osanjidwa) ndi 10%. Ale adaphata basa mpaka 1991 chaka chilichonse zonse za utumiki anawonjezera wina% 1.
3. Zopereka zonse operekedwa Fund ndi penshioni mu nthawi 2002-2014 gg. ndi anawonjezera, ndipo kenako kuchulukitsa ndi indexation chithunzi. Chifukwa, ife tikufika otchedwa penshioni likulu.
4. Tsopano ndalamazo lagawidwa ndi nambala 228 ndi mtengo wa 1 Mfundo, unakhazikitsidwa mu 2015. Ndi tsiku kuti, wina unit wa mfundo penshioni "ofunika" 64 rubles ndi kopecks 10.

Pamene inu mukuzindikira nokha kuwerengera mfundo penshioni kuti luso limene tingaphunzire mu nyengo ya Soviet, n'zovuta. Koma kuti osachepera ndi zoyerekeza chithunzi amawaganizira kwambiri.

Surcharges pa mfundo

Mu moyo munthu aliyense wa pali chifukwa ndithu abwino ntchito. Ndipo panopa malamulo penshioni limavomereza zimenezo. Mfundo zowonjezera penshioni accrued kwa anthu omwe si ntchito mu Zikatero:

• munasiya ntchito mogwirizana ndi zisamalire olumala gulu I - 1.8;
• kudutsa chaka cha usilikali (paulendo) - 1.8;
• masiku 365 a kusamalira mwana wolumala - 1.8
• chaka chathunthu cha kusamalira anthu okalamba (80 zaka) - 1.8;
• masiku 365 a kusamalira mwana woyamba - 1.8;
• nthawi yomweyo kusamalira mwana chachiwiri - 3.6;
• ana wachitatu ndipo anayamba - 5.4.

Tiyeneranso adzanyamula kukumbukira kuti mfundo penshioni anawonjezera pa childcare, masamu pamaziko a zimene tchuthi ndi zaka imodzi ndi theka. Mwachitsanzo, mayi ana ake anayi, adzakhala basi ndi nthawi ya pantchito:

1,8h1,5 3,6h1,5 + + + 5,4h1,5 5,4h1,5 = 24,3 mfundo.

Ayenerere kulembetsa kwa penshioni izo kutsirizitsa pang'ono ndithu. N'zochititsa chidwi kuti mayi, kulera ana awiri kapena atatu, adzalandira mfundo zina kwa onse mwana. Ichi ndi chifukwa Pankhaniyi Kodi kuganizira chiwerengero cha ana, ndi nthawi imene mayi anga sizinayende chifukwa kuwasamalira.

Mwa njira, ngati pamene holide childcare anthu ntchito ganyu, mukhoza kusankha chimene mfundo ntchito "kuti kuchepetsa" pakuti ntchito, kapena mwana.

Kodi panopa penshioni mphambu?

Monga tanena mu 2015 la ndalama "mtengo" wa penshioni 1 mfundo chili pa mlingo wa 64,10 rubles. Koma patatha mwezi umodzi, chithunzi ichi chakhala osanjidwa ndipo anakwana 71,41 rubles Russian. Chaka February 1, chithunzi imeneyi osanjidwa kwa koyefishienti wapadera wofanana 1.04. N'zosavuta kuwerengetsa kuti 2017 kufunika kwa mfundo ndi wofanana ndalama penshioni:

74,3 * 1,04 = 77,3 rubles.
Tsopano muli deta onse kuwerengera penshioni kuyembekezera. Koma ngati simukufuna kulimbana ndi kuwerengetsera zonsezi, mudzadziwe kuti pali njira ina zosavuta mmene kuwerengera mfundo penshioni. Kuchita izi, kupita ku tsamba la Fund ndi penshioni ya Russia, ku "Akaunti Personal" ndi ntchito penshioni Chiwerengero. Lowani mfundo zonse chofunika, mudzakhala masekondi angapo m'malo kupeza enieni kuchuluka kwa pantchito zawo anafuna.