Insurance ndi gawo olipiridwa wa penshioni ya - ndi Gawo makonzedwe pagulu

Modern Russian dongosolo penshioni zikuphatikizapo mtundu winawake wa ndalama, omwe anapangidwa kuchokera anasamutsidwa bwana. Yesetsani kumvetsa zimene zili inshuwalansi ndi gawo olipiridwa wa penshioni ya.

Kuti ndi mbali ya tsogolo la mapulogalamu

Insurance ndi gawo olipiridwa wa penshioni ndi 22% ya malipiro aliyense wantchito. Ndalama kupita mapangidwe a penshioni tsogolo, womwenso inshuwalansi ndi chigawo chimodzi ndalama zolipirira. Insurance 16%, ndi chokhala - 6%. Inshuwalansi mbali ya boma limagwiritsa ntchito pa kulipira pensioners panopa ndi amaganizira monga udindo pa ndalama penshoni kwa anapuma m'tsogolo. Insurance ndi gawo olipiridwa wa penshioni ya zigwirizana revenues onse, lomasuliridwa ndi bwana kuti wantchitoyo nkhani yapadera. nkhani chiwerengero pa SNILS khadi. boma walola kuti awonjezere ndalama yosungirako ndi yosamalira ndalama ndi makampani.

The Gawo la penshioni

Taganizirani zimene kusiyana pakati inshuwalansi ndi ndalama zolipirira penshioni.

Insurance:

• Ndi 16%.
• Izo zimatengera utali wonse wa utumiki ndi malipiro mlingo.
• thumba penshioni kuchita masamu malinga ndi chilinganizo ndi (quotient likulu penshioni pa nthawi ya pantchito ndipo chiwerengero cha kusintha miyezi m'tsogolo; anawonjezera kuti zotsatira anapereka boma osachepera - m'munsi gawo).
• Wopha anthu ndalama sindingakhoze.
• Malipiro wapangidwa pamwezi kufika zaka zina mwa lamulo (zaka 55 - mu anthu wamkazi ndi zaka 60 - yaimuna).

zolipirira:

• Ndi 6%.
• Izo zimatengera pa mlingo malipiro ndi mawu a ndalama.
• Munthu akhoza kusamalira izo - kunditumiza ku omwe si aboma thumba penshioni, kapena kasamalidwe kukhulupirira gulu lirilonse, motero anapitiriza kuwonjezeka kukula kwa penshoni yawo.

Bwanji kukhalabe ndi kuonjezera ndalama

Insurance ndi gawo olipiridwa a penshoni anapanga mu utali wonse wa utumiki wa munthu. ndalama Insurance - zimenezi kungakupatseni ndi boma kupereka ndalama, malinga ndi kutalika kwa msonkhano, ndi mu chigawo ndalama zolipirira tichipeza 6% kuchokera anasamutsidwa bwana kwa thumba penshioni kuchokera January 1, 2012.

Tsopano munthu aliyense ntchito mukhoza kusankha njira zotsatirazi kuti kutaya mapulogalamu yosungirako:

• Siyani kwa thumba penshioni boma, sanawakhulupirire kuteteza kampani kasamalidwe.
• Kupereka mmalo gulu lirilonse udindo, amene zolipirira gawo pulogalamu udzasugidwa mu thumba boma, ndi kutaya ndalama adzakhala ndalama penshioni, popeza akachita pangano ndi thumba la boma.
• Management ndalama chokhala wobadwa wakumvera ulamuliro wamphumphu wa ndalama payekha penshioni, imene kulanda ndalama.

Zolipirira mbali ya penshioni ndi inshuwalansi - lamulo zigawo za penshioni m'tsogolo. Aliyense akhoza kusamalira riziki lamulo ndi abwino njira kasamalidwe nkhokwe anasonkhanitsa.