Kodi akale zaka penshioni? mawerengedwe a penshioni

penshoni Amawapatsa kwa nzika pamaziko a muyezo monga kulumala, ukalamba ndi imfa ya breadwinner a. Old zaka penshioni linaperekedwa mogwirizana ndi kukwaniritsa zina zaka si ntchito. Kwenikweni tikulankhula za akazi pa zaka 55 ndi amuna zaka 60. Koma magulu akutiakuti a anthu ali ndi ufulu kulandira ndalama za penshoni, asanafike ukalamba. Ife adzamvetsa zimene amapanga penshioni kwa ukalamba.

Kuwonjezeka zaka zopuma pantchito

Anthu ntchito mu boma, kuyambira January 1, 2017 zochita kuwonjezeka zaka zopuma pantchito, izo sanadutsitse anasangalala kwambiri a boma ambiri yatsala pang'ono kutha wa anachitapo ntchito olankhulira. Komanso, chaka chilichonse, mawu awa zingawonjezere ndi kotala 2, kuti 65 ndi zaka 63 kwa akazi ndi amuna motero.

Malinga ndi nkhani ya lamulo, n'zotheka kupeza wokalamba zaka penshioni ndi ndi amene ali kuntchito ya zaka 15.

chinthu penshioni

Izi ndi kuvomerezedwa mu chiŵerengero pamaso penshioni potengera dongosolo mphambu-mlingo, mu okwana satengera zosakwana 30 (popeza chaka 2025). Ukulu wa chiŵerengero izi aumbike mwa zigawo ziwiri:

• chopereka abwana ku thumba la ndalama za penshoni, kampani yomwe ikuchitika ntchito pensioner;
• ambiri zinachitikira ntchito.

Kuchuluka okwana mfundo chaka chino ndi 8,26. M'tsogolo, zochokera 2021, chinawonjezeka ndi 1,74, ndiye kufika 10. Zimenezo masamu penshioni mu Russia ndi ukalamba.

Makamaka amayi kulowa pantchito

Akazi ali ndi ufulu chomwecho pantchito oyambirira, monganso amuna. Choyamba, ichi ndi chifukwa sinali bwino ntchito, komanso ntchito m'madera ndi nyengo kwambiri. Komanso, ndi zinthu zina chikhalidwe akazi kupuma patsogolo ndandanda ndi kulandira chingatilimbikitse mabonasi monga anthu a. Pali ena kusiyana ndi zaka zimene ndi zimene akulingalira mkazi akhoza kupuma kwa zaka 55. Tiyeni tiwone chimene tichipeza akale zaka penshioni kwa akazi:

1. Mu zaka 45-50 zakubadwa, monga mwa chilamulo, ndi munthu wamkazi alandire penshioni motero zinachitikira zaka 7.5 mu akhakula, ntchito mobisa, ndi sinali bwino ntchito.
2. akale mu msinkhu pansi zaka 40, ali ndi chilema mogwirizana ndi chiphaso cha kuvulala pa mbali mu Nkhondo kapena kulandidwa ndi matenda ena, zopezera kupanga.

Choona chidwi ndi akazi ntchito m'dera Far North, ndi zimene zinachitikira osachepera zaka 15, adzipuma pa zaka 50. Ndipo akazi ndi kukhazikikamo mu zigawo zonse zamagulu ndi zinachitikira ntchito za zaka zoposa 20 ndipo agwira malo a alenje, asodzi, kuphatikizapo mphalapala, adzipuma pa zaka 45.

Komanso, kugonana chilungamo ndi ufulu choyenera zina pamaso zaka 50, kupereka moyo ndi ana 5 ndipo zambiri analeredwa pansi ndi zaka eyiti. Koma mmene mawerengedwe a penshoni kwa akazi? Monga akale zaka penshioni tichipeza:

• amodzi malipiro;
• kudzikundikira gawo;
• Insurance Fund penshioni.

malipiro amodzi

Kuliika ndalama anakhazikitsa boma okhazikika popanda kusintha limanena za ndalama analandira mwa anthu amene anafika pa ukalamba. Mtundu wa penshioni zikhoza kusinthidwa malingana ndi zizindikiro zenizeni:

• zaka gulu;
• Chiwerengero cha anthu kukhala pa makonzedwe a pensioner ndi;
• malo okhala;
• kulemala.

Mwachitsanzo fanizo fanizo pamwambapa penshioni zizindikiro wachibale. Choncho, ambiri a pensioners kulandira malipiro amodzi kuchuluka kwa 4 558.93 rubles. Nzika zaka 80 kapena kukhala ndi digiri ya olumala - 9 117.86 rubles. Anthu omwe ndi kupereka chimodzi yozungulira analandira 6 078.57 rubles.

inshuwalansi penshioni

njira ina kuwerengetsa penshoni cha anthu achikulire - inshuwalansi penshioni. M'zaka zonse nzika ntchito, agwilitse malo mu kampani ina ya boma, bwana ake adzakhala kulipira chidwi Fund Ndalama za penshoni.

chiwerengero awa masamu ndi kuchuluka kwa malipilo nduna ndipo nawonso, kutenga maonekedwe a chinthu payekha - mfundo malinga ndi kutalika kwa msonkhano, zaka zopuma pantchito ndipo malipiro. Pafupifupi mphambu wotereyu 74,27 rubles. Kodi akale zaka penshioni zotsatira zake zidzakhala zotani?

Mwachitsanzo mawerengedwe

Mwachitsanzo, ngati mukufuna kuwerengera penshioni ya mlingo nzika ndi malipiro 30 000 rubles pamwezi:

1. Malipiro 1 chaka: 30 000 × 12 miyezi = 360 000 rubles.
2. Pa mlingo wa 22% kuchuluka okwana zopereka inshuwalansi: 360 000 × 22% = 7.920.000 rubles, umene mlingo inshuwalansi penshioni ya 16% walangizidwa 57 600.
3. Chifukwa, ife tikufika 57 600 rubles / 127.360 rubles (kuchuluka kwa zopereka ndi malipiro pazipita pachaka Russia mu 2016) = 0.45 x 10 = mfundo 4.5.
4. mphambu n'kugwera malipiro kuchuluka kwa 30 000 rubles. Lotsatira mfundo lakuti ndalama: 4.5 × 74.27 (ngati ina kuti tsiku) = 334,215 rubles.

N'kofunikanso kuti chiwerengero cha mfundo yochepa. Kuti, ngati pensioner panopa anali miliyoneya otsiriza, sizitanthauza kuti boma ayenera amalephera kupereka izo olimba mwezi kuwonjezeka penshioni awo. Kumbukirani, mu 2025 kudzakhala kotheka kuti alandire kuti mfundo 10, monga kuyenera 7,39 ndi 7,83 zambiri mu 2015 ndi 2016 ankalemekeza.

zolipirira penshioni

Mtundu wachitatu wa mawerengedwe akale zaka penshioni - ndi penshioni olipiridwa. Njira imeneyi malipiro ndalama kwa anthu achikulire olumala m'dziko lathu amakhala ndi mwezi uliwonse kupereka ndalama penshioni pa maziko ai. milandu Insurance anapanga likuvutika mabwana pakuika ndi thumba penshioni ndi ogwira ntchito kulandira chidwi ndalamazo.

Kuyenera anatsindika kuti penshioni ndalama zolipirira operekedwa wokhala kuyambira 1967 ndi kubadwa kwa amene ali wamng'ono onse. Koma si onse mophweka. Nzika za thupi gulu ili, koma sanapange zonse zalembedwa mpaka kumapeto kwa chaka cha 2015, sali woyenera kulandira mtundu wa zopereka penshioni.

Indexation a penshoni kwa ukalamba

Indexing ndi kuwonjezeka mwadongosolo mu buku la amasamalidwa bwino potengera ogula mtengo index katundu osiyanasiyana ntchito. Ndiko kuti, pali recalculation zonse zopereka penshioni. Mfundo yaikulu zoyambirira za izo ndi chifukwa cha kukwera mtengo, mtengo wa zofunika kwambiri mankhwala moyo thandizo ndi ntchito (makamaka oyang'anira tauni) kumawonjezera. Zikomo kuti indexation, anthu olumala a dziko, inali thandizo boma, asaone olephera, koma osati kwambiri. Zimenezi angatchedwe zabwino, ngati chifukwa chakuti zonse ndi wolimba. Ndipo pamene opangidwa kuwonjezeka penshoni kwa ukalamba?

Atathana yeniyeni tsiku indexation a penshoni ndiponso zinthu zina chikhalidwe kulibe. Munthu aliyense chidwi ali ndi ufulu kugwira ntchito kwa nyumba boma, khala nawo ulamuliro pa nkhani zimenezi ndi kufunsa mafunso onse, pambuyo kuwonjezeka mitengo msika gulu lalikulu la katundu wofunikira. Komabe, pali milandu pamene boma amakhazikitsa mfundo za indexation a penshoni.

Zaka kuwerengetsa penshoni

Pamene kuwerengetsa penshioni ndi n'komwe mkulu, kuyambira mu 2002. mfundo zonse za malamulo panopa ku aziwerenga 2016. zatsopano pa kukhazikitsa luso aliyense mu 2017 palibe, choncho ndemanga pa nkhani mpaka INNING_NUMBER kuti.

Choncho, zochokera nthawi yeniyeni nthawi, m'pofunika kuti agwire mawerengedwe motere: kuchuluka alipo ndalama adzagawidwire ndi mtengo ina, za zomwe osanjidwa mu chaka chatsopano, mlingo wa kuwonjezeka kwa zosonyezera mitengo ogula la magulu akuluakulu chofunika kwa 2016.

Ntchito yonse ikuchitika pansi pa ulamuliro wa akuluakulu onse pambuyo chithunzi kumatanthauza. chifukwa ulipo kukula latsopano zopereka penshioni. Tikukhulupirira tsopano bwino, zimene tichipeza akale zaka penshioni.

Mwachidule pamwamba pa zonse, tiyenera kuwonjezera kuti anthu amene amalandira ndalama za penshoni,, ali ndi ufulu wonse kusankha aliyense mwa miyezi 60 nthawi ya ntchito yake, kuyambira January 1, 2002. Mochenjera ndi kuti zilibe kanthu, kuntchito zopezera Soviet Union kapena Russia ano. kuwerengetsera onse ikuchitika mu zomwezi.

Ndi malamulo atsopano pa accrual penshioni adzakhala analengedwa pa nthawi, pangakhale kusintha mu mawerengedwe mfundo zimene tingachite ukalamba penshioni.