Capital Indexing umzali: nendlela osichaphazela ngayo ubungakanani isixa ngo-2016?

Namhlanje ngokuvunyiweyo enkulu na ekuthiwa-indexation of capital kubeleka. Le ntlawulo idlala indima ebalulekileyo ekunikeni inkxaso ukuze iintsapho kunye nabantwana bakhe. ERashiya, njengokuba kuwo onke amazwe, amaxabiso sele nokunyuka ngokuhamba kwexesha. Iinzuzo kunye neemali zomhlala-phantsi zibe indexwa. Ingaba ukunyuka matkapital? Ngaba Russia uceba ukwandisa le mali? Ziziphi iindaba kokuba weva ngalo intlawulo? Yaye kukhutshwa njani? Ndiyakuqonda konke oku kuba kunzima njengoko kubonakala. Eyona nto ibalulekileyo ukuze baqonde apho inyaniso nobuxoki. Emva kokuba iindaba eyinkunzi ngosana kakhulu. Kwaye kuphela abanye babo babe nga ngokuba yinyaniso.

ukwanda okubonakalayo

Into yokuqala kukwalotywa ingqalelo ehlawulwa sifundo - i iindaba zakutshanje indexed capital kubeleka. Eyona nto kukuba ngoku uyakwazi ukufumana umbono ukuba senze kuphela Isalathisi, koko ndibavuse ekufeni ngokubanzi umba imali. Yintoni kanye sithetha ngayo?

Hayi ke kudala izindululo ukwandisa matkapital urhulumente abo bamazwe umntwana wesithathu. It inikeza iintsapho ukuhlawula 1.5 million engange. Le mbono wabangela abantu lokucinga wemvula entsapho.

Kodwa abaninzi balindele ukuphoxeka. indexation okunjalo eyinkunzi maternity sakhatywa. Ezongezelelekileyo bonke abemi beli inkxaso mali kwi isikali ezincinane kungakhathaliseki ukuba inani labantwana kwisisele elinikiweyo yoluntu. Ngoko ke, imivuzo ekhokelela ukuba nolwazi eziphuculiweyo kweli lizwe akunyanzelekanga ukuba balinde amazinga ekhankanywe ngaphambili.

Yintoni Indexing?

Lo mzuzu elandelayo, ufanelwe ingqalelo - nguwo ukubhengezwa ingqikelelo isalathiso. Ngapha koko, asinguye wonke umntu uyayiqonda into busengozini. Kwaye ngokubanzi, nokuba kukho ixesha enxulumene nentlawulo isifundo?

Eneneni, kunjalo. Indexing - kukwandisa iintlawulo, kuxhomekeke kwezinga lokwenyuka kwamaxabiso kweli lizwe. Lo mlinganiselo inceda ukugcina ntle yabemi malunga kwinqanaba elifanayo. Kodwa loo mali ixhuzulwe efanayo kwityala elithile, ukunyuka ubukhulu.

capital lokubeleka Indexing bhanyabhanya. Ke baninzi ukubiza nje zanda. Kubalulekile ke ngoko ukuba uqonde ukuba urhulumente a lokukhathalela imali bafunda.

utshintsho olusandukubakho

Kodwa amaxesha obunzima kuyimfuneko ukuba bavumelane amanyathelo ezithile. capital Last maternity indexed kwenzeka ngo-2015. Yaye Okwangoku intlawulo ukhulise. Kwaye oku nangona kokukhula kwamaxabiso eRashiya.

Ngoko ke, kwakungekho indexation ngo-2016. Okwangoku, iingxoxo aphantsi indlela ukwandisa iintlawulo matkapitala ngo-2017. Kuthiwa ukuba mawuhlawule basaza kwanda. Kuhleli kuphela ukuba alinde de kufike unyaka omtsha. Ekupheleni kuka-2016 kuya kanye kwaziwa ukuba kubanjwa indexed okanye hayi.

Indexing kuthetha imvume

Ubungakanani indexation eyinkunzi umzali kuxhomekeke kwezinga lokwenyuka kwamaxabiso kwixesha elithile. Plus ingqalelo imeko mali karhulumente yamkelwa eRashiya. Kuye kuthiwe imali ekhutshwe ekuzalweni abantwana lesibini okanye elilandela, akazange kwanda ukusuka 2015. Kwaye yonke ngenxa yemeko-mali karhulumente kunye ntlekele.

Umbuzo eyenza abaninzi bacinga - nokuba ingaba kukho sele indexed capital kubeleka, leyo esele zifunyenwe? Ukuba ngo 2016 abemi benze isatifikethi, kwaye 2017 eyenzekayo ngokwenene iintlawulo nezikhokelo, kuba yimalini uya alindele?

Lowo uya kubekwa 2017 Ingongoma kukuba isatifikethi esikhutshwe yi Pension Fund ka-Russia, ixhasa isalathiso. Kwaye ukuba uthatha uxwebhu ngonyaka omnye, ngoko alinde bendyebo iintlawulo, yaye emva koko nje ukuyisebenzisa, oko isixa entsha iya kuqhubeka.

intsalela

Kuthekani ukuba matkapital zange zisetyenziswa ngokupheleleyo? Kwenzeka ke ukuba abemi bafumane isatifikethi, uze emva koko inxalenye kuphela "yenza isebenze" kuyo. Ngaba zoMqulu capital kubeleka kwityala enjalo? Ngapha koko, isixa esipheleleyo inyuswe!

Bathi ke abaseleyo, kakhulu. Uya indexed logama nje umamkeli akafuni ukuyisebenzisa kwakhona emalini. Oko kukuthi, ipesenti ethile ukwandisa imali iya kuba, kodwa hayi zinkulu inani lilonke.

Ngoko ke, nezikhokelo ludlala indima ebalulekileyo abaninzi. It ivumela kwimeko, lokuba asebenzise isixa esithile semali, bangethi nantoni na ngenxa yokunyuka kwamaxabiso kweli lizwe.

Xa isalathiso?

Abantu abaninzi bayazibuza, xa kukho isalathiso eyinkunzi umzali. Ukuze uphendule lo mbuzo kunzima kule ngxaki zangoku. Ngokubanzi, ukwandisa imeko basis of abazali ngonyaka. Ngokuqhelekileyo ngoJanuwari wonyaka ngamnye. Kodwa ulwazi malunga luhlu kwafuneka ukuba lihlole rhoqo.

Kwaye ngoku nje unomdla iindaba zakutshanje malunga capital kubeleka, kodwa siyazi kwakhona ngqo xa ungeniselo lwayo nje luzakwenzeka. Yonke into ihleli okufanayo. Ukuba nezikhokelo kwenzeka ngo-2017, ngoko ndaqonda ukuba ngoJanuwari. Kuphela ukwandisa wambi ntlawulo yenziwe phakathi konyaka - ngoJulayi okanye Agasti. Ngoko ke, ngoJanuwari, abemi baya kuba nelungelo lokufumana imali eyinkunzi lokubeleka landa.

ngonyaka

Abaninzi bayazibuza indlela ukwanda iintlawulo ixesha efundwayo namhlanje. capital kubeleka (yi unyaka wokukhutshwa kwesiqinisekiso zidweliswe apha ngezantsi) itshintshe kakhulu. Ekuqaleni inkxaso-mali ezinjalo siyibingelelwe njengabemi imbali yosapho abantwana 2nd nezincinane kakhulu. Le meko iye yasinda unanamhla. Ngaphandle kokuba ubukhulu kweentlawulo landa. Le program yenkxaso kwiintsapho kunye nabantwana abaliqela kwaqala ngo-2008. Ukususela ngoko, abemi lafumana ntlawulo zilandelayo (iminyaka);

• 2008 - 276 000 250 engange;
• ngo-2009 - 321 amawaka 162 engange;
• 2010 - 343 378 engange;
• ngo-2011 - 365 amawaka 698 engange;
• 2012 - 387 640 engange;
• ngo-2013 - 408 960;
• 2014 - 429 amawaka 408 engange;
• ngo-2015 - 453 026 engange.

capital Indexing lokubeleka zange yenziwe kwiinyanga ezili-12 ezidlulileyo. Ngokunjalo, ngowama-2016, eli uhlawulile ziyafana 2015. Oku kuthetha ukuba akukho 26 453 000 engange, bonke wafumana iintsapho isicelo matkapital.

angaphezulu

Into elandelayo abemi abanomdla - lo ubungakanani eyinkunzi lokubeleka indexwa. Ngapha koko, le pesenti nga ukuzinceda ngokwakho ukuba ukubala njani imali igcina eninzi inxalenye sele kusetyenziswa iziqinisekiso.

Kuye ngokuphindaphindiweyo wathi ukuba intlawulo ayikho indexed kufundwe ngo-2016. Ngoko ke, kweli xesha le pesenti ixesha ilingana no 0. Njengokuba kude njengoko ukwanda ntlawulo elidlulileyo? Ukususela ngo-2008 ukuya kowama-2015 ebandakanya wonke, lo indexation waba ngokulandelelana:

• -10.5%;
• 13%;
• 10%;
• 6.5%;
• 6.0%;
• 5.5%;
• 5%;
• 5.5%.

Ngoko ke, ngo-2008, indexation waba 10.5 ekhulwini yaye ngo-2015 - 5.5. Kwaye kule nemiqulu icetyelwe ukuphumeza ngakumbi ukwanda kwintlawulo. Ukuba kunjalo maxa onke. Ngelo xesha ngo-2017, uRhulumente iceba ukwandisa nge 5.5% imali ihlawulwe.

Amaxwebhu zokuthumela

capital lokubeleka Indexing - lo mzuzu ebalulekileyo ekuxhaseni abantu kunye nabantwana bakhe. Ngowe-2017, ukwanda ngeentlawulo kulindeleke izuchamoy. Kodwa ke zingafumaneka njani? Into efunekayo kubazali? Kakade ke, i emva kokuba kwabakho 2 okanye ngaphezulu ngabemi umntwana. Akunjalo ngoko nangoko.

La maxwebhu ekufuneka ukuba le ngcaciso ilandelayo kwi Pension Fund:

• zokundwendwela yabazali;
• izatifiketi zokuzalwa abantwana;
• amaphepha adoption / Ukwamkelwa (ukuba ikhona);
• isicelo;
• SNILS zonke ezisencinci kunye sicelo.

Ayikho enye into efunekayo. La maxwebhu anikwa i RPF, ngoko ke isiqinisekiso okhethekileyo esikhutshwe usapho. It umamkeli uya kuluhlu, kwakunye nemali esifakwa ngexesha kunikezelo. Khumbula ukuba luhlu ngokwenene ziya zibalwe ngokutsha nini. Kodwa ukutshintsha isiqinisekiso ingafuneki. Xa usebenzisa uxwebhu kwakhona ngokuzenzekelayo imali. Ngeli xesha umntu Ungakhathazeki.

iziphumo

capital Last maternity indexed kwenzeka ngo-2015. Ukuza kuthi ga ngoku, ukunyuka kule sicwangciso intlawulo, kodwa ke akukho mntu owaziyo ukuba uqiniseke ukuba oko kuya kuba. Enyanisweni, nezikhokelo kubalulekile ukuba labemi. Ixabiso emali nokunyuka. Yaye ekugqibeleni wahlawula imali kuba phantse nganto. Ngoko ke, ngamanye amaxesha kuyimfuneko ukuchitha iinzuzo ezandayo.

Ngowe-2017, isicwangciso eyinkunzi lokubeleka ukuba ushiye singeze. Malunga ku 495 000 engange. Ngoko ke, sinethemba lokuba isalathiso nangoku kubanjwa. Sikwazi ukulandela kuphela iindaba zakutshanje ndilindele iintlawulo ukwanda. Nangona noxhaso namhlanje, eyinkunzi umzali unako konke zisuswe. Ukuza kuthi ga ngoku, inkqubo yenkxaso karhulumente kwandiswa kude kube 2020. Kodwa ke oku akuthethi ukuba ukusirhoxisa likaxakeka.