Munthu penshioni chinthu - ndi ... The mawerengedwe a inshuwalansi mbali ya latsopano chilinganizo penshioni

Kuyambira 2015 penshioni ndi masamu pansi chilinganizo chatsopano. Ufulu kulandira malipiro a anthu ndi mfundo 30 kapena kuposa anasonkhanitsa. chikhalidwe ichi wokhudza ufulu wa anthu amene sakudziwa zambiri. Zambiri za chilinganizo chatsopano werenganibe.

mfundo

Poyamba, zikhalidwe ziwiri wofunikila mawerengedwe a ubwino:

• m'badwo chinanena (60 - amuna, 55 - akazi);
• kupezeka kwa kuntchito (mu zaka osiyana zaka 5 mpaka 25).

penshioni ndi amadalira m'litali ndi mlingo wa ndalama. Kuyambira 2001 mpaka 2014 tinali ndi wofunika premiums. Iwo kawirikawiri wapangidwa 14-16% ya ndalama mwezi. Popeza 2015, latsopano mchitidwe - munthu penshioni china. Ichi ndi kuchuluka kwa mfundo zaka. Kulandira phindu, muyenera ntchito nambala inayake ya zaka ndi mlingo malipiro limene kuchuluka kwa zopereka analipira kuti upambana mlingo mosavomerezeka.

Akamanena za dongosolo latsopano kuthetsa n'chakuti anapeza m'nthawi ya ufulu penshioni ntchito mtima mu mfundo. Mu ndalama zawo ndiye masamu mlingo wa phindu. Kudziwa anasonkhanitsa IPC, m'pofunika kugawa kuchuluka kwa zopereka imawunikidwa kuti mwakale - mankhwala a tariff pazipita ndi malipilo pazipita ali zedi.

Ngati munthu afika chaka cha 568 zikwi. Pakani., Ndi atolele pazipita mfundo 10. The pazipita kuchuluka kwa malipiro ndi koyefishienti amasintha pachaka. Ndi 2025, pamene pulogalamu chidzakwaniritsidwa ndithu anapezerapo, mitsuko ziwirizi kuonjezera kwambiri. Pa nthawi imeneyi, gawo anasonkhanitsa wa penshioni adzakhala angathe kulandira anthu okhawo amene kudziunjikira mfundo 30 kapena kuposa. 2015 malipiro akale zaka akapatsidwa pamene pali mfundo 6,6. Chaka mlingo zingawonjezere ndi 2.4.

Monga pulogalamu yatsopano ukugwira

Anthu ambiri anayamba kugwira ntchito mu USSR. Iwo akuyembekezera kukwaniritsa tchuthi choyenera posachedwapa. Kukula kwa ubwino awo nawonso zimadalira anapeza munthu penshioni koyefishienti (mfundo). M'nthawi ya 2001 kudziwa kuchuluka kwa penshioni, umene kenako n'kukhala koefishienti lapansi.

Mwachitsanzo

Petrov ntchito monga injiniya. Pa 31.12.2014 iye anaika penshioni ya 10.030 rubles, chomwe malipiro limodzi (3935 rubles.) Ndipo inshuwalansi -. 6095 rubles. Kodi mtengo wake wa munthu penshioni koyefishienti cha 2015?

IPK = 6095: 64.1 = 95.

64,1 rubles. - kuwerengera za chinthu chimodzi mu 2015

Zopindulitsa pafupifupi ayenera kudziunjikira osachepera 100 mfundo. Chofunika kwambiri ndi munthu penshioni chiŵerengero. Kodi kuwerengera kuchuluka kwa ubwino ntchito anthu?

1. PKI PKI = 2015 ndi 2015 + PKI pambuyo.

Chizindikiro chachiwiri kuchita masamu monga Uwerenge koefishienti nthawi iliyonse lipoti:

1. Insurance penshioni = IEC × mtengo mfundo.
2. Pindulani = atathana malipiro + Insurance penshioni.

zinthu

Kukula kwa koyefishienti munthu penshioni zimadalira:

• Malire a ndalama malipiro a zopereka;
• mtengo wa mfundo zomwe ali chakumapeto kwake kwa kufufuma.

Mu 2015, pazipita kuchuluka kwa malipiro ndi 'zopereka anakwana 711 zikwi. Opaka. Ndi kuchuluka akuluakulu amachotsera saloledwa. Ndi mtengo wa 16% boma bajeti analandira 113,76 zikwi. Opaka. Ife kuwerengera pazipita munthu penshioni china.

Mwachitsanzo

Petrov akugwirabe ntchito kwa malipiro 25 chikwi. Opaka. Ndi kuchuluka izi deducted chaka 48 chikwi. Opaka. PF. Pa 2015 mlingo pantchito munthu mmene kuwerengera?

(48 000: 11 3760) = 4,22 x 10.

Petrov kuitanitsa recalculation mphatso zimenezi. Koma ngakhale mu nkhani iyi amaona kuti mayunitsi 1.8 okha.

Chiwerengero cha mfundo zofunika 2015

Chifukwa ndi losavuta kumva, timagwiritsa ntchito tebulo.

Pachaka munthu mlingo penshioni - chiwerengero cha mfundo udachita kwa miyezi 12, kapena nthawi zimene m'gulu m'bukuli. Kwakukulu malipiro, ndi apamwamba a IPK. Lamulo limapereka zaka 6 ya kusintha, imene zinthu adzakhala pang'onopang'ono omangika.

Munthu penshioni chinthu - ndi kuchuluka kwa mfundo zimene kupereka osati kwa nthawi ya ntchito, koma mu nkhani ya mitundu ina ya "downtime."

Kuchuluka kwa anadzadza ndipo kudawerengedwa zizindikiro mu 2016 ndipo angapezeke pa PF. Ngakhale ambiri anapeza IPK n'komwe mfundo 7,83 mu 2016 ndi 8,26 - mu 2017.

Mwachitsanzo

woyang'anira Top ntchito kuyambira 2010 pa malipiro pachaka 100 zikwi. Opaka. Kwa zaka 5 zinachitikira chaka chilichonse ankalandira mfundo 10. 20 Iye adalandira kuchokera 2015 mpaka 2017, chiwerengero cha anasonkhanitsa IPK: 7,39 + 7,83 + 8,26 = 23,48. Malinga ndi malamulo, izo zimatengera osachepera 15 zaka za utumiki. Pa zaka 7 wantchito wakhala anasonkhanitsa kwambiri mfundo 77,4. Total ali n'komwe 107,44 mfundo. Pa mitengo panopa, ndi penshioni kwa bwana pamwamba ndi mofanana ndi pensioner ntchito chitsanzo m'mbuyomu.

Chiwerengero cha IPC ndi recalculated pachaka. mlingo Izi zimatengera pa mlingo malipiro ndi kuchepetsa amachotsera, amene kukula mofulumira kwambiri. Mu 2015 iwo chinawonjezeka ndi 14%, ndi malipiro pafupifupi - by 9%. Choncho usadalire ubwino boma ukalamba ndi kuganizira njira zina wambiri penshioni.

mawu atsopano ndi zinthu

Munthu penshioni chinthu - mtundu wa ziyenera a ufulu ntchito zizindikiro. Chaka chilichonse boma amapereka mtengo wa 1 Mfundo ndi indexing kuti kuwuka mu mitengo. penshioni pantchito imakhala ndi malipiro atathana ndi gawo chimene chimadalira pa PKI. Ndalama 1 chiŵerengero pa 01.01.2016 - 74,27 rubles. amodzi payout - 4558,93 rubles. Kupeza thandizo mu 2016, munthu ayenera:

1. Kufika msinkhu winawake.
2. Ndi nthawi inshuwalansi wa zaka 6.
3. Kudziunjikira mfundo 6,6.

Ngati chimodzi cha zinthu si anakumana ndi munthu, wakuti okha penshioni pachisangalalo.

Ubwino ndi Kuipa

The kusakhutira chachikulu cha akatswiri ndi kukula kwa ndalama ya m'tsogolo basi patsogolo pantchito. kuchuluka Izi masamu kuti tinachita anasonkhanitsa IPK pa mtengo awo m'chaka cha zolinga malipiro. Chithunzi yamasika kuchita masamu ndi kugawa anakonza PF revenues ndi kuchuluka kwa mfundo anasonkhanitsa a pensioners onse.

Ndipotu kuwerengera munthu penshioni koyefishienti (IPC) wa munthu inshuwaransi kudzadalira pa revenues PF. Izi kuchepetsa chiopsezo cha phosphorous. Pa nthawi yomweyo, akatswiri amanena kuti njira mawerengedwe si lokhazikika ndi lamulo.

Vuto lachiwiri ndi kuti Russia sakumvetsabe bwino kuona kusintha latsopano. M'mayiko otukuka amakhala nthawi yaitali pa kufotokoza mfundo zina zabwino zonse anthu.

Pang'onopang'ono kuwonjezera utali osachepera utumiki (miyezi 12 pa chaka). Ndi 2024 zidzakhala zaka 15. Ndi chochitika ichi mu PD akukhala 95% ya anthu.

Kuchuluka okwana phindu kuti kupereka kuchita masamu mfundo:

Penshioni = (WF X K) + (PKI × R) X CT, kumene:

• PV - kumatanthauza phindu;
• PKI - anapeza mfundo;
• K - umafunika kuti pantchito mochedwa;
• Cha ku Switzerland - wagawo mtengo wa PKI.

zosiyanasiyana za mawerengedwe

Nkhani za kuwonjezeka zaka zopuma pantchito anaukitsidwa mobwerezabwereza. Othandiza kukangana maganizo awo, kufunika kuchepetsa kuchepekedwa PF. Otsutsa amanena kuti chifukwa pantchito ina m'pofunika kuti anthu anali muyezo yabwino ya moyo. Yotithandiza anthu, boma kumasiyanitsa IPK mkulu ndi kuchulukitsa kwa malipiro amodzi. Ena ankafuna kuti Unikani mndandanda wa ntchito, oimira lomwe lidzakhala lilipo oyambirira pantchito zinthu ntchito (kalasi zoipa chidzamasulidwa apamwamba COE) ndi kuchuluka kwa premiums inshuwalansi (kalasi oopsa ntchito, mlingo wapamwamba). Izi moyenera dongosolo adzapereka magwero PF ndalama oyambirira.