Yeyiphi ukukhetha ingxowa-mali yomhlalaphantsi - urhulumente okanye non-karhulumente? Inguqu-mali yomhlalaphantsi

Okwangoku ngabemi abazi byi; kuba kokona kulungileyo - urhulumente okanye ingxowa-mali yomhlalaphantsi yabucala? Yintoni nangoku ukukhetha? Abo nabanye ngendlela emangalisayo ezithandwayo, nanzo zibhaliwe ngaye kumaphephandaba, bonisa kwiinkqubo zikamabonwakude, uthethe kunomathotholo. Wonke ummi ngamnye kufuneka isigqibo ngokwabo ukuba ukhethe indlela mali yomhlalaphantsi - urhulumente okanye non-karhulumente. Isigqibo kufuneka ulungelelaniswe kwaye zinolwazi. Kwaye oku kwenza ukuba bayiqonda ngokucacileyo oko okwenza omnye kunye nomnye umbutho.

fund yomhlalaphantsi State

Ukuguqula inkqubo pension ngo-2002 waqalisa babexakekile abaninzi. Kwaye nkqu ngoku umbuzo malunga ukukhetha indlela mali yomhlalaphantsi - urhulumente okanye kwicandelo labucala - kuba ezininzi zisavuliwe. Abanye abemi kodwa wagqiba ekubeni ukutshintsha inkampani solawulo uze ugcine imali wabo. Kweli nqanaba lophuhliso loqoqosho, ngokutsho abahlalutyi abaninzi kwezopolitiko, nawuphi na ummi, lowo unikwe imali yabo kwi-mali yomhlalaphantsi karhulumente, ukuze kushiywa ngaphandle kwabo. Oku kungenxa kumanqanaba aphezulu emali ngokunxulumene accrual enomdla kunyaka ngamnye ongaphambili. Zonke iimali zomhlala zigcinwa kwi "Vnesheconombank". Eli ziko yezimali ayikho uxanduva umrhumo kwabemi, kwimeko kokuzifaka naziphi na iilahleko. Abantu abaninzi phantsi koxinzelelo yalo imbono ethile wenza utshintsho kwingxowa-mali yomhlalaphantsi yabucala. Abanye sidlule imali yabo eziliqela yemibutho. Ngapha koko, lo mthetho pension ummi unelungelo lokutshintsha umbutho ulawulo kanye ngonyaka.

Kodwa nangona oku, akukho namnye kweli hlabathi ukunika iziqinisekiso ngokupheleleyo ukuba phakathi kwiminyaka embalwa, okanye iziko yomhlalaphantsi labucala wayeza kuhlawula isixa sithembele kubaxumi bayo.

Akuqinisekisi umbutho kulawulo loluntu

Ngenxa yoko, i-RF Pension Fund uphethe ekwenzeni imisebenzi emininzi kwaye ebalulekileyo, eyile:

• Igcina irekhodi yokufika zonke iipremiyamu;
• Oku kugqiba nemali inzuzo yomhlala phantsi kwe ngamnye;
• Ukuba kukho naziphi na iimeko ezizodwa unika izibonelelo zentlalo;
• Likwalondoloza vuxaka lebyikulu nabaqeshi;
• uya kukhupha isiqinisekiso for capital lokubeleka;
• It is a karhulumente qela. Inkqubo co-mali, njalo njalo. D.

Yintoni ngumongo oguqukayo?

Ngokusekelwe kule nkcazelo ingasentla, oko kunokwenziwa isigqibo sokuba imali yomhlalaphantsi non-karhulumente zadalelwa ukuba lula umsebenzi le mali yomhlalaphantsi karhulumente, oko kukuthi, ukunciphisa iindleko zabo kwaye unciphise uluhlu nezibophelelo kubemi. Eli qhinga obhadlileyo ukuba ukubhenela ulwabiwo kakhulu- lwezibonelelo phakathi kwinkampani solawulo, kwakunye pesenti ingeniso yenyuka xa kuthelekiswa ne "Vnesheconombank". Kulo mzekelo, ungakhetha ingxowa-mali yomhlalaphantsi - urhulumente okanye non-karhulumente? Siza ukuqonda lwalo yesibini.

Umbutho ulawulo Non-governmental

Inani kula maziko kweli nqanaba luzobe yokungapheli. Ukuba ungummi igqibe ukutshintsha umbutho ngokulawulwa ngokuqinisekileyo, kukho umbuzo naye ukuze ukhethe njani ingxowa-mali yomhlala-phantsi?

Okokuqala, kufuneka ukuba uwazi ireyithingi wemibutho ukulawula. Ngokuqinisekileyo uya kunceda ukufumana ukhetho.

Simo the best mali yomhlalaphantsi non-karhulumente kubuya (oko kuxhomekeke kuyo ubungakanani ye pension elizayo) linikwa kwi table.

Imisebenzi-mali yomhlalaphantsi yabucala

Amaziko Ezo ziye zasekwa ukuze benze ingeniso lombutho wakho sandise nxaxheba imali imali mali ngenxa yonyaka izinga lenzala. Ngenxa yoko, i inzuzo mali yomhlalaphantsi na, ukwenza njengoko abatyali kwiinkampani zolawulo ovunyiweyo ngokutyala imali ngokhuselo. Esi kushenxa iqinisekisa ireyithi ephezulu imbuyekezo yomthengi inikezela maxa wambi kumgangatho omkhulu ukhuseleko lweshishini.

Ziziqinisekiso amaziko pension non-state

Ngaphandle kokuchitha ilahleko imbuyekezo mali kunye nokuhlawulwa nezahlulo kubathengi ngeendleko capital sabelana. A "Vnesheconombank" isasaze ukulahlekelwa phakathi bonke abatyali. Kwaye izinga lenzala-nxaxheba kumaziko yomhlalaphantsi labucala luphezulu kakhulu kwezinga lokwenyuka kwamaxabiso kweli lizwe. Oku kuqinisekisa, nayo, umhlalaphantsi ophucukileyo xa ufikelele kwiminyaka yomhlalaphantsi. Ngoko ke, ukuba ngummi nangoku umbuzo wokuba yintoni le ngxowa ingcono: urhulumente okanye non-state - kufuneka athathe ingqalelo oku. Kukho nezinye iingenelo kula maziko. Kuxhomekeke ekubeni imilinganiselo ye pension fund yabucala bonke abathengi mali ibuyiselwe ku-arhente yomhlalaphantsi karhulumente. Sinokugqiba - umxhasi angalahlekelwa nto ngonaphakade.

Kwakhona badumileyo yinto yokuba phambi kokuba afikelele kwiminyaka yomhlala phantsi umthengi isixa-mali yomhlala-phantsi kwakhe ingahluka kwindlela zombini. Ngenxa yoko, imali ekhoyo ngohlobo isixa semali okanye ukukhupha iintlawulo zenyanga. Ukuba umxhasi iyafa ngesiquphe, ukuba isizalwane banelungelo lokufumana imali eseleyo kwi-akhawunti yoMthengi. Le nto eyenza iziko yomhlalaphantsi labucala karhulumente, leyo isenzo nje akafuni ivume.

Inguqu-mali yomhlalaphantsi

Xa abantu bebona amancedo amaziko pension abucala, kwaye wagqiba ukuba abathengi zabo, kuyimfuneko ukuba silandele lo kulandelelwano izenzo:

1. Ukumisela linokukhetha ngokukodwa kwi -inshorensi pension mandatory inkampani.
2. Khangela ukuba semthethweni yezenzo ombutho, ezizezi: ukungqinelana nomthetho, ubukho-mvume kunye nobhaliso kunye Central Bank.
3. Hlawula utyelelo eli ziko labucala ngenjongo ukuba asayine isivumelwano.
4. Zincine ngenyameko sivumelwano, noyifumana yonke imibuzo umthengi lowo.

Imvumelwano kufuneka kuquka zinto zilandelayo:

• igama leziko, igama, patronymic;
• ukubalwa kwezibonelelo zokugcina, iimeko zotyalo-mali, bamthethela umgcini kunye neentlawulo ngqo;
• inombolo yesatifikethi inshorensi, umhla kunye nendawo wokuzalwa emntwini, umgangatho walo;
• uxanduva kunye fund abathengi;
• izizathu ukuqokelelana mali yomhlalaphantsi;
• iinkqubo, iimeko zeentlawulo (-ngaxesha lithile, yonxunguphalo);
• algorithm lokukhulula umhlala kunye lokonga kwaye imiqathango intlawulo yokunikezela ngokwayo;
• Luxanduva ngumthengi kunye ngokuxhomekeke Fund ukuya iintanda yezibophelelo;
• algorithm ukuphazanyiswa kwesivumelwano;
• imiqathango kunye nemigaqo yesisombululo seempikiswano;
• iinkcukacha yomthengi elunxwemeni lomlambo.

Kuphela phambi izinto ngasentla ebonisa inguqu luyasebenza.

Kuphela phantsi indlela kakhulu kakhulu kwaye ndinoxanduva umbuzo ukuba ukhethe indlela ingxowa-mali yomhlalaphantsi, unako ukufumana yobudala ekhululekile yaye bonwabile ubudala.

isiphelo

Ngokusekelwe zingasentla, kulula ukuba uphendule umbuzo malunga ukukhetha indlela mali yomhlalaphantsi - urhulumente okanye non-karhulumente. Impendulo izicacele - lesibini ukhetho. Ngapha koko, imali yomhlalaphantsi yabucala ezininzi yeenzuzo phezu karhulumente. Kodwa qiniseka ukuba ibe utshintsho zomthetho akhawunti ezenzeka kweli lizwe ukuze luvaleleke kwaye akwazi ukufumana uncedo lukhulu.