Monga penshioni anapanga

Nkhani zambiri zofunika kwambiri ndi izi: mmene penshioni ya aumbike? Kodi yonse ya iyo kulibe, kodi zigwirizana? Kodi ubwino ndi kuipa kwa ndalama omwe si aboma ndi penshioni anthu chiyani?

Moral ufulu kupuma mokwanira munthu aliyense, ndiye kuti ntchito ya kampani ndi chokwanira pa moyo wanga wonse. Ndipo apa ife sindikuyankhula za zimene kampani chiyenera kupereka nzika - zimenezi likuvutika thumba penshioni, imene zopereka kuvomerezedwa. Pa gawo la Russia cholusa, mapangidwe ndi malipiro a penshoni malinga ndi Chilamulo Federal "Pa penshoni ntchito Chitaganya cha Russia." Kulingalira momwe penshioni ya aumbike, tiyenera ananena kuti sangathe kokha kuvomerezedwa. Iwo akhoza wodzilemekeza mwa kufuna, kuti, amagwiritsa ntchito ndalama anaikidwa thumba payekha penshioni. Pa penshioni kuvomerezedwa pali mitundu ingapo, akuti: penshoni kulumala, ukalamba, mu nkhani ya imfa. Kapangidwe ka penshoni tichipeza zigawo zitatu: m'munsi, ndalama zolipirira ndi inshuwalansi.

Mbali yaikulu ya penshoni ntchito

Mabungwe musonyeze kuti alandire a ndalama za msonkho chikhalidwe cha antchito. Pafupifupi theka la njira imeneyi imafalikira ku thumba la ndalama za penshoni. anasamutsidwa awa sali anawawerenga iwo satumikira mbali ya zopereka ndalama zolipirira, kotero ndalama anagwiritsa ntchito thumba kulipira penshoni kwa anapuma panopa. zopelekazi gawo zoyambirira za penshioni ntchito ndi kuikidwa mogwirizana ndi mlingo wa malipiro amoyo ndi bajeti, komanso kuyenda kwa kukula kufufuma. Mbali m'munsi si bwanji ndi kukula kwa malipilo ndi mkulu, mwina kulipira akunja kapena anthu stateless akukhala kalekale m'gawo Russian.

Kodi penshioni ya: inshuwalansi gawo

Mosiyana ndi patsinde pa, mbali inshuwalansi ya penshioni ya kumayambitsa munthu winawake, kukula kwake anatsimikiza ndi chiŵerengero zopereka anapeza kuti kuchuluka kwa ankayembekezera tsiku la malipiro. Bwana anapanga zopereka zopereka penshioni pa mlingo wa 8-14% ya msonkho kuchuluka kwa aliyense wogwira ntchito payekha, ndi kuchuluka msonkho zikuphatikizapo osati malipiro, komanso ndalama zina zomwe anakhala pano pa wantchito.

zolipirira penshioni

Ndi yofanana ndi kuwerengera inshuwalansi gawo Komabe, kuchuluka anasonkhanitsa ndi mwachindunji m'malo mwa likulu penshioni. Pakuti aliyense, ndalama izi kutchulidwa mbali yapadera ya nkhaniyi. Mbali zimasiyanitsa mbali zolipirira angatchedwe zimene aikidwa pa zida osiyana ndalama. Iwo akhoza anasamutsa mu mitundu yonse ya ndalama kasamalidwe, komanso ndalama mu sheya. Nzika iliyonse ntchito ali ndi mwayi kudzimvera kusamalira mbali zolipirira, mukhoza kusankha ntchito ndi thumba zenizeni, komanso kusamutsa kulamulira ku kampani ina kapena thumba.

ndi phindu lotani? Chirichonse chiri bwino, boma penshioni thumba - ndi bulky makina, kotero muyenera nthawi kusankha pa Kugawilidwa kwanthaka ndalama, ndi njira eni zambiri anatengedwa mu malangizo a kungakupatseni koma kwambiri zida amapeza ndalama zochepa. ndalama Non-boma N'ngosiyananso kuti mwamsanga zochita zotheka kudzachitika ndi kupereka lalikulu zosiyanasiyana njira ndi m'chuma cha ndalama. NPF anayamba ntchito yake. Chimango malamulo mu nkhani iyi ndi mokwanira anayamba, ndipo ndalama ali wamng'ono kwambiri, koma m'tsogolo adzakhala maziko a ndalama chifukwa pantchito.

Kotero, tsopano zimaonekeratu mmene penshioni ya aumbike.