Non-government pension fund of (umbutho ongenzi nzuzo) ngamandla: ncomo

Namhlanje, abafundi bethu iya kungeniswa kwingxowa-mali non-governmental kushishino ugesi. Luhlobo luni mbutho? Yintoni ubuhle nobubi bayo kufuneka uhlawule ingqalelo? Yiyiphi indawo nokubeka ilizwe ohlala NPF? Ukuqonda konke oku kuya kunceda izimvo ezininzi. Baya kuba negalelo ukuyilwa uluvo erhabaxa ngala okanye ezinye NPF. Ukuba anikele le mbutho?

le misebenzi

Non-government pension fund amandla - le nto, njengenkampani enikeza inshorensi pension labemi. Kuya kukunceda ukuba ugcine nokwanda wenza sele bebadala. Kwakhona sibonelela lokusekwa inxalenye ezixhaswa ngemali ye pension.

Ngenxa yemizamo yakhe, ingxowa-mali ifumana ncomo ezintle. Akukho inkohliso, konke kucacile kakhulu; lelona hlobo luqhelekileyo fund engekho phantsi korhulumente, nelinika inshorensi yomhlalaphantsi. Kodwa yintoni eziluncedo nezingeloncedo xa iNkampani kufuneka sinikele ingqalelo kuyo?

Gcobisa phezu lizwe

Ke kaloku, eRussia imeko mali yomhlalaphantsi non-karhulumente, afana kunjalo, uninzi lwabo zivaliwe. Nje asuse le mvume. Ngokuqhelekileyo, iziganeko ezinjalo inkxalabo okanye imibutho ezincinane, okanye iinkampani ezingalungile.

Yintoni enokuthethwa nasekufundweni corporation? umbane NPF - oku ingxowa-mali enkulu kakhulu, nto leyo kudala ukusebenza eRashiya. yokuqala yesebe inkampani yabonakala ngo-1994. Kwaye ukususela ngoko lo mbutho sele labantu inshorensi kakhulu ngempumelelo.

I Fund yasasazwa kuyo yonke iRussia. Amasebe zingafunyanwa kwimizi ngemizi, nkqu kwilali zincinane lizwe. Ngoko ke, iinkonzo ezininzi ezinokuba uthembe ngabalawuli bombutho. Kukho isizathu sokukholelwa ukuba oku akukho malunga maqhinga. ngokucacileyo ukuvala ngesiquphe ingxowa-mali yomhlalaphantsi. Ngoko ke, kunokwenzeka ukuba owonithemba nokwanda pension ogama NPF.

IDilesi ye-Ofisi eliKomkhulu

Iphi na i-ofisi eyintloko mbutho? sleduyuschmu Ngokutsho ikheli uya kufumana non-karhulumente pension fund ushishino kagesi: Moscow, Timur Frunze Street, Building 11, Building 13.

Kulapha ukuba wonke ummi angenza isicelo kwi Pension Fund kwimiba zehlabathi. Fumana umbutho akukho nzima kakhulu. Ukongeza, kukho ifowuni umgca eshushu ukuba kuyanceda lula ukufumana iingcebiso ezimalunga nobonelelo ngeenkonzo inshorensi pension. Yonke imibuzo uya kundiphendula.

Ukuze ufumane kuze NPF, uyakwazi ukucofa inani 8-800-200-44-04. Abaninzi baphawula ukuba yomhlalaphantsi karhulumente mali kwamandla yombane kwi-100% akukho yinkohliso. Ngapha koko, le website esemthethweni lombutho uyakwazi ukubona indawo bonke abafowunelwa kunye ofisi fund phakathi komzi ethile. Kuyaphawuleka ukuba abantu ethemba corporation.

ukukala

Kwaye ngoku kancinci malunga nemigaqo esisiseko uvandlakanyo mali yomhlalaphantsi yabucala. Zidlala indima ebalulekileyo ekubumbeni umqondo zombutho. Ngokomzekelo, abathengi abaninzi enokwenzeka banomdla, nto leyo iba SPF rating of ugesi.

Le nkampani phakathi top 10 Russian Pension Fund. Kwafa ngayo yabonisa ukuba inkampani kufutshane kwisikhundla ophambili, kweminye imithombo ungabona ukuba akunjalo. Kodwa nayiphi na imeko, abaxhasi basoloko kakhulu isibheno kule nkampani ushiye phezu ncomo ezintle.

Oku kuthetha ukuba kukho izizathu ezininzi zokuba sibe nethemba. Ngokuqhelekileyo, amazwe top 10 NPF - le ndawo Kwandile inceda ukugcina imali yomhlalaphantsi kuphuculeke ubomi kakuhle ebudaleni. Oku kufuneka wazi wonke.

Nangona ezinye iinkcukacha ukungacaci kushishino amandla NPF owaziwayo eliphezulu kakhulu. Kwaye oko akuthandayo. Kwanele ukuba ukukhumbula ukuba le yenye iinkampani top 10 eRashiya, ezifundisa iinkonzo kubemi inshorensi pension.

trust

Enye ingongoma ebalulekileyo ekuthiwa-level of trust. Ibonisa indlela basenokuba ngabaxhamli beenkonzo kunye nezona ndikholose umbutho, njengokuba uhlobo olubonisa ukuthembeka nkampani.

Non-government pension fund ushishino amandla ombane abe nezinga eliphezulu trust. Ukuba uyakholwa iinkcukacha-manani, itrasti igcinwe kwinqanaba A ++. Okanye, njengoko maxa wambi kucacisiwe kule AAA. Lo ngumphakamo eliphezulu trust.

Oku kuthetha ukuba lo mbutho uzinzile. Unga lula uthembe inshorensi yakhe ipension. Ukuba le mbono kwabelwana ngabathengi ezininzi nobonisa actual. Ngenye indlela, ukuba luthathele ingqalelo ukuba sele etshilo ngenxa engaphambili ukuthi, sinokugqiba ukuba umbane NPF uzinzile, ekhuselekileyo kunye inkampani ethembekileyo. It ivaliwe, ilayisenisi ayiyi kuthabatha kude kuye. Kodwa lo eyaneleyo ukuqala intsebenziswano.

inzuzo

Kodwa ke kukho enye ingongoma ebalulekileyo. Inyaniso kukuba dibanisa mali yomhlalaphantsi labucala kuthiwa-isivuno. NPF anika ingako ukwandisa imali ekhoyo umhlala-phantsi. Kwaye eli zinga ngenxa abaxhasi ezininzi kubaluleke kakhulu. Ingakumbi xa kowona msebenzi - oku phindo lokonga, kunokuba nokubagcina.

Isivuno APF umbane njengoko abathengi kufuneka ukuba athi, ayikho phezulu kakhulu. Kodwa ke eliphezulu kune ezinikezwa okhuphisana ezininzi. Ukuphonononga zinika akukho ndlela ibalulekileyo, nto leyo iya kuvumela ukuvavanya imbuyekezo kwi iidipozithi. Kutheni?

Abaninzi evince ukunganeliseki kunye intsebenziswano ngenxa yemveliso. Ekuqaleni, abaxhasi ezinikelweyo inqanaba eliphezulu ifuthe - malunga 12-15% ngonyaka. Kodwa practice, "ishishini amandla SPC" JSC inikeza unikezelo malunga 5-7 kuphela%. Le umahluko alunakulungela abaninzi. Ngenxa yoko, abanye bathi ngqo ukuba baziva ekhohlisa.

Enyanisweni, lo kuthiwa lula wachaza kwamaxabiso. Kwakhona sinikele ingqalelo into yokuba umahluko ezifanayo phakathi wokwenene isivuno othenjisiweyo yonke imali yomhlalaphantsi non-karhulumente. Zimangele oku kuyimfuneko. Akukho namnye uya balahlekise umhlalaphansi elizayo. Foundation Iintshukumo umbane ngokusesikweni ngokupheleleyo kwaye sifanelekile.

inkonzo

Yintoni bangathini na inkonzo? Apha kwakhona, kunzima ukufumana ukuvumelana. ubulunga bokunikezelwa kweenkonzo umxhasi eyahlukileyo. A lot ixhomekeke kuyo umzi kwenzeka nentsebenziswano. Naphi na abasebenzi zabo, bonke siziphathe ngenye indlela eyahlukileyo.

Iindaba ezimnandi kukuba kunokwenzeka nje kuphela buqu ndibhenele non-karhulumente pension fund ngamandla. "Akhawunti My" - yiloo ithuba etsala abaninzi. Le ndlela yokusebenza kunye Pension Fund online.

Lo msebenzi usebenza izaziso ezininzi, kunye ezithile neentsilelo. Kodwa kubalulekile kakhulu. Ukuba oyifunayo, ungenza ngokulula ukhankanye umbuzo wakho ngqo kwi-Internet. Yaye "Akhawunti Yam" kukuvumela ukuba uphathe ngokulula akhawunti yakho umyalelo sisicatshulwa kulo.

Xa ukutyelelwa kwii-ofisi ze-iindwendwe bakholisa ukuzama kakhulu ukunika ingqalelo efanelekileyo. Kwaye oko akuthandayo. Noko ke, ngenxa yenkonzo umxhasi zuza ingxowa-mali yomhlalaphantsi non-governmental of namandla izilinganiso edidayo.

Kwelinye icala, ukuphulaphula yonke into. Aze aphendule imibuzo ebuzwa iindwendwe. Nangona kunjalo, isantya inkonzo amagqabi kangako. Ngamanye amaxesha abacebisi zange aphendule imibuzo, kodwa ukudida kuphela umthengi. Ngethamsanqa, izikhalazo loo nto kangako. izikhalazo ebalulekileyo inkonzo apho, kodwa neentsilelo kule ndawo kwi NPF apho.

isiphelo of contract

ingqalelo eyodwa ihlawulwe kule into, njengoko isiphelo kwekhontrakthi. Nangona kukho inyaniso yokuba i Fund amandla yombane phakathi iinkampani top ezilishumi kwi-inshorensi pension, ezinye izinto ezimbi wentsebenziswano nangoku ugxininisa labantu. Okunye ngqo, yinto iziphene ezincinane. Ukuba ziyaphuma ikakhulu kwiimvumelwano.

Isibakala sokuba abanye zalatha nakwenzeka ngentsebenziswano inkampani, ukuba umntu sele engama-43 ubudala. Oku ubudala amagqabantshintshi. Iindwendwe baqinisekiswa ukuba emva kokuba kugqithwe elikhankanyiweyo kwisivumelwano sikhatyiwe.

Isivumelwano senziwe in duplicate, tsakisaka. Ngokusisiseko, zonke iimeko icacile, kodwa ezinye izinto ezinokubangela imiba. Bakhawuleza ukuphendula abasebenzi.

Okunye akukho zikhalazo ezibalulekileyo apho. Ukuba kuyimfuneko, unako nanini na akutshitshise isivumelwano kunye NPF. Kwaye ke mali idluliselwe komnye umbutho. Imali ngaphambi umhlala apha musa ukumnika. Kwaye le meko sicaciswa gca kule mvumelwano. Iyafuna ukunikela ingqalelo. Abanye abathengi phawula ukuba kuyimfuneko ukuba bajonge ilahleko, leyo izitho zine mayibulawe lokuphelisa isivumelwano phambi kokuphela konyaka. Kungenjalo, usenokuba ucinga ukuba ingxowa-mali yomhlalaphantsi zabucala zoshishino amandla wombane abasebenza ngentembeko okulungileyo calula imali abagcinisa.

iintlawulo

ezincinane uphelileyo, nto leyo sicebisa ukuba sinikele ingqalelo - oku intlawulo imali yomhlala phantsi. Olu daba yahlulwe uluvo malunga nkampani. Kutheni?

Non-State Pension Fund ka Electric Power (Moscow, Frunze Street, Building 11, Building 13 -. I-idilesi ye-ofisi eyintloko corporation) iintlawulo zenziwe, kodwa ezinye ulibaziseko. Kungenxa yoko le nto uyakwazi ukubona kwayo exube umsebenzi yenkampani. Abanye bathi ukuba pension akuhlawulwa. Ngelo xesha inxalenye elifanayo ngumthengi eziphikisanayo. Ngoko ke ukuze bonke bakholwe ngaye?

Yonke into. Njengoko sele kukhankanyiwe, zenziwe iintlawulo, kodwa kaninzi kukho iintlobo yokulibaziseka. Kwaye oku nje ufuna ukuba ukulungele. Umhlalaphansi ukufika oko anelungelo. Nokuba ngexesha elingelilo. NPF uzama ekucwangciseni umsebenzi kule ndawo. Kodwa akhohlise abathengi zabo, akazange bengazimisele.

iziphumo

Ziziphi izigqibo ntoni? Kucacile ukuba umbane ingxowa-mali yomhlalaphantsi. Le nkampani, nto leyo enkulu yaye abaninzi eRashiya. Kuye kudala ekufezeni umsebenzi wayo. Inikezela isivuno esihle. Kodwa ke, okona kubaluleke kakhulu, uzinzo nokuthembeka.

Abaninzi balatha ukuba xa ufuna ukufumana imbuyekezo ophezulu iidipozithi, akukho mfuneko ingqalelo non--uhlobo karhulumente mali. Kodwa xa kuqala kufuneka uzinzo kunye nokulondolozwa pension, ngoko ke umbutho kufuneka ingqalelo njengendawo kunokwenzeka apho isivumelwano se-inshorensi pension.