Inxalenye yomshuwalense yempesheni kunye nexhaswa ngemali: indlela yokwandisa ngayo

Inkqubo yempesheni yesimanje yaseRashiya yenzelwe ukwenzela ukuba abemi baqale ukucinga ngempenshini yexesha elizayo ekuqaleni komsebenzi. Kule minyaka unokuyenza into ekuzikhusele ngayo ekuguga. Kwaye oku kuyimfuneko ukuqonda ukuba yintoni umhlala-phantsi wakho wexesha elizayo lenziwa ngokuhambelana nomthetho (yintoni eyona nxalenye, inxalenye yomshuwalense yempesheni, kwaye yintoni enye i-accumulative eyodwa), unokuyandisa njani, nokuba yintoni inxalenye yayo. Kubalulekile ukuqonda ukuba kuthatyathwa njani ukunqunyulwa kunye nokuba yintoni enokuyenza kunye nokwandisa imali kwi-akhawunti yomhlalaphantsi.

Ubungakanani bempesheni abuxhomeki kuphela ebude benkonzo, kodwa nakwinqanaba lomvuzo, kunye negalelo lokuzithandela (inkxaso) kunye ne ngeniso-mali (ukuba uqala ukuqokelela kwi-akhawunti yakho yomhlalaphantsi).

Umhlala-phantsi uqulethwe yingxenye yesiseko, okunye kubangelwa yinshurensi-inyanzelekile (inxalenye yomshuwalense) kunye neyongezelelweyo (ukuqokelela, iminikelo). Inxalenye yomshuwalense yempesheni yenziwa ngenxa yokuncitshiswa kwenhlangano eqeshwe egameni lakho kwingxowa- mali yomhlalaphantsi (22% yomvuzo, okt-about 5,000 ngenyanga). Ngokude oku kuncitshisiwe, xa unako umvuzo, phezulu kuya kuba yinqanaba le-inshurensi yempesheni yakho. Ukufezekisa loo mphumo, kunikezelwa ukuba umvuzo unemivuzo encinane, akunakwenzeka.

Kwaye emva koko, kufuneka ube neempesheni ezaneleyo zokutya, izibonelelo, kodwa kunye namachiza, izipho kwizizalwana kunye nezinye izibonelelo. Ngoko ke, inxalenye yomshuwalense yempesheni ngaphandle kwempesheni ehlawulwa ngemali ayiyi kuqinisekisa ubomi obuqhelekileyo emva kokugqitywa komsebenzi.

Ukwehlulwa okongeziweyo komqeshwa kuvumela ukuba kwenziwe igalelo lenkxaso-mali ezayo ngemali yenkxaso-mali kunye nexhaswa yombuso (iminikelo iphindwe kabini - "1000 ukuya ku-1000"). Umqeshwa ngamnye waziswa ngolu hlobo ngo-2010-2011 ngumqeshi wakhe. Ukuba ungayazi ukuba uthatha inxaxheba kwinkqubo yomshuwalense wenkxaso-mali yomhlala-phantsi, qhagamshelana neengxowa-mali zempesheni kwingingqi. Kuze kube ngo-Okthoba kunyaka ozayo (2013), unokufaka isicelo kwiRussian Federation ukuba uthathe inxaxheba kwi - co-financing pensions. Ukususela kumzuzwana wokutshintshwa kwefowuni yokuqala kwenye iminyaka eyi-10 unako ukuhlala uthatha inxaxheba kule nkqubo. Into ebalulekileyo kukunikela ubuncinane ubuncinane kwi-2,000,000 ngonyaka kwisikolo sakho somhlalaphantsi, ukwenzela ukuba inani legalelo liphindwe kabini ngexabiso lohlahlo lwabiwo-mali.

Ukongezelela, ukugcinwa (inxalenye yomshuwalense yempesheni ayibaliyo) ingadluliselwa kwisikhwama somhlala-phantsi emva kweminyaka eyi-10 kwinkampani engeyiyo yenkxaso yenzuzo. Imibutho emininzi (isikhwama somhlala-phantsi, i-state okanye ayikho, kunye neenkampani ezizimeleyo) zinikeza ukulawula, ukugcina kunye nokuqokelela umhlala-phantsi wakho wexesha elizayo. Iiprogram ezifanayo zikhoyo kwimibutho emikhulu yomqeshi njengenxalenye yentlangano yoluntu. Inkqubo nganye "iqinisekisa" ukukhuselwa kweefomethi kwixabiso lokunyuka kwamanani kunye nokwanda kwenzuzo. Musa ukuthatha eli gama ngokholo, ingakumbi kuba i malunga nekamva lakho. Kwimeko apho awuyi kubalwa nabani na.

Ngakolunye uhlangothi, akukho nto yokwenza - ayikho inketho. Qaphela kwaye ukhumbule, unako ukuphelisa isivumelwano kunye nokubuyisela imirhumo kunye nengeniso kubo (ukuba loo ndlela inikwe inkontileka).

Inxalenye yomshuwalense yepensheni yomsebenzi ihluke kumntu oxhaswa ngemali kuloo ndlela yangaphambili isetyenziselwa ukuhlawula ipensheni kwabanye abesemhlalaphantsi (okwangoku), kuphela ulwazi luhlala malunga nokuba lukhulu kangakanani urhulumente oluza kukuhlawula xa ususe umhlalaphantsi. Inxalenye yokuqokelela ayichithwanga, kodwa iqokelelwa. Ngoko ke, ngokubhekiselele kuyo, umonakalo omkhulu wokunyuka kwexabiso ungabangelwa kwingeniso yakho ekuguga.

Inkonzo yomshuwalense yempesheni yindlela efanelekileyo yokuphuma kwimeko enzima kwezoqoqosho kweli lizwe. Ukubambana kombuso malunga neprogram yempesheni kwakudingeka kwaye kunengqiqo, kuba ngoku wonke umntu, ukuba ayenqwenela, unokunyusa imivuzo yabo emva kokuthatha umhlalaphantsi, ukukhuseleka ukuguga kwabo. Ngaphambili, kwakungekho na ithuba (nangona kwangaphambili ipensheni yayingaphezulu ngenxa yokumahluko phakathi kwabantu abasebenzayo kunye nabahlala phantsi).