Kodi tichipeza penshoni, ndi malipiro penshioni ngati njira?

Nzika iliyonse amene zaka pafupi ndi amene kovuta kugwira ntchito yake kuntchito amanena kuti alandire ukalamba penshioni. Nthawi imeneyi, anthu ayamba nkhawa funso la mawu penshioni ndi kuchita masamu ndi zina zofunika zimene anapanga accrual. Ndipo ichi si mafunso onse chidwi anapuma m'tsogolo.

Amene amasankhidwa ndi penshioni ukalamba

Kupuma, zinthu ziwiri ayenera kukwaniritsa:

• Moyo wautali, mmene penshioni nkhani.
• Age kupitirira amene munthu angathe ayenerere accrual la malipiro.

Ngakhale kuti zinthu izi, pali ena mwaiwala zimene malamulo. Zikukhudza osati kugonana kwa pensioner, komanso zikhalidwe ntchito imene ntchito anthu wofunikila nthawi pantchito. Ndipo madera ena a ntchito kulola anthu patsogolo pa nthawi kuti tipite pa holide. Nthawi zina, penshioni ndi kuchita masamu mogwirizana ndi malamulo onse.

mitundu ya penshoni

Pa kusintha penshioni, zopelekazi anagawanika. Tsopano nzika zovuta kumvetsa zimene yonse ya chikhalidwe chitetezo iwo adzasankhidwa, komanso penshoni anthu ndi ukalamba penshioni. Pali mitundu itatu ya ubwino akale zaka:

• ena;
• ntchito;
• inshuwalansi.

pensioner ndi ofunika kulandira aliyense wa awa mitundu ya phindu. Komanso, mogwirizana ndi maganizo a boma, mtundu wa ntchito pang'ono ndi pang'ono m'malo ndi inshuwalansi, kuti asasokonezeke.

Phindu la milandu

penshioni pantchito wapangidwa mbali. Panali nthawi imene mawerengedwe a anachita mwa machenjerero onse. Tsopano aliyense gawo munthu kuchita masamu payekha. Choncho, anapuma tsogolo Nkofunika kudziwa zimene tichipeza penshoni.

Mu malamulo atsopano mtundu uwu malipiro idzafotokoza zotsatirazi:

• Experience. Sitiyenera pasanathe zaka ziwiri mu 2017, ndipo zidzawonjezedwa ndi chaka chimodzi chaka chilichonse. Choncho, ndi 2025, nkhaniyi ayenera kukhala zaka 15.
• Munthu kapangidwe china.
• Ntchito zambiri, imene malipiro anapangidwa PFRF.
• Chiwerengero cha zopereka yotentha ndi abwana ake.

Malinga kuwerengetsera latsopano, pensioners anatumizidwa payout, amene amasankhidwa molingana ndi kutalika kwa msonkhano ndi kuchuluka kwa amachotsera kuti Fund Ndalama za penshoni.

munthu koyefishienti

Podziwa chimene mbali imakhala penshioni, anthu amafunsa mafunso okhudza mitengo. Kuyambira 2015 amaganizira chiwerengero cha mfundo accrued malinga ndi kuchuluka kwa malipiro ndi nthawi ntchito, zomwe zili m'gulu la mawerengedwe a penshoni mkulu. Azimayi mu mkulu adzapatsidwa nthawi kusamalira ana osaposa zaka imodzi ndi theka. Kuchuluka okwana mfundo penshioni adzakhala masamu pa mwezi. Kawiri pa chaka, mfundo n'kukhala mayunitsi ndalama. Chaka chino, 1 Mfundo ndi wofanana 78 rubles.

Ndi 2025, boma akufuna kuonjezera chiwerengero cha mfundo 30. Komanso, chithunzi ichi adzakhala kochepa. Mu 2025, penshioni adzakhala masamu, ngati nzika ali zaka zosachepera 15 za utumiki ndi mfundo 30. Ngati zigoli kapena nthawi sikokwanira kwa index wotsikitsitsa, penshioni ya nkhani m'badwo chikhalidwe ndi akale. chaka chino, ndi madola pafupifupi 5,000 rubles. Popeza penshioni sangathe kukhala m'munsimu mlingo ang'onoang'ono, ndiye izo zidzakhala mawerengedwe, zomwe zidzathandiza pensioners kulandira phindu wofanana ndi osachepera ang'onoang'ono mlingo mu dera lake.

zaka penshioni akale

Kwa amene ndi mfundo za mawerengedwe a penshoni akale zaka, ndi mawerengedwe lolingana wapangidwa. Ndipo kodi ndi mbali ziti ndi zachikale zaka penshioni? Mu malamulo atsopano, mtundu wa phindu zikuphatikizapo inshuwalansi ndi mbali accumulative.

Insurance ndi payout kungakupatseni kuti amagwira ntchito iliyonse pensioner. Cholinga chake ndi zokwanira kuti kutalika osachepera utumiki, zaka zoyenerera, ndi oyimba yoyenera chiwerengero cha mfundo. Komanso, kuloŵa osachepera kuchuluka akhoza zochuluka. Izi zimakhudza zinthu zotsatirazi:

• zaka zoposa 80.;
• kulandira kulumala;
• anafika zaka zopuma pantchito amene amadalira.

Mu malamulo atsopano mu nthawi inshuwalansi komanso nthawi akazi kusamalira ana, ndi amuna - pamene ntchito yausilikali.

Ubwino siyana zina za nzika

Mu gulu osiyana zikuthandiza mphamvu, chombo, ndege. Kodi tichipeza penshoni siyana izi nzika? ubwino asilikali accrual mopitirira ku malipiro zotsatirazi:

• mabonasi kwa kutalika kwa msonkhano;
• Malipiro aulemu;
• malipiro maudindo.

Kudziwa zimene tichipeza penshoni asilikali sikokwanira. Muyenera mungawononge wa zaluso zonse za malipiro. Iwo ayenera kumvetsa zimene penshioni ndi ukalamba penshioni. Pakali pano, anapuma asilikali kupereka gawo Calculated ya malipiro, koma 2025 boma akufuna kuonjezera ndalama penshioni kuti gulu nzika ndi phindu 100% ya malipiro.

ntchito anapuma

anthu okalamba, amene pa nthawi ya pantchito mudakali ntchito Ofisala PF akulangizidwa osati kuthamangira kupita pa holide. Kuti anthu amenewa anayamba chingatilimbikitse chiwembu. Mu nkhani ya renunciation zaufulu oyambirira kapena yake pantchito kukula kwa ukuwonjezeka phindu m'tsogolo. Ndipo ilo limakula chindapusa komanso mfundo. Anthu oterewa, limawapatsa njira yapadera mawerengedwe awo.

Kwa anthu amene asankha kupitiriza ntchito, malire apangidwa. Poyamba, pamene mufika wina zaka gawo adzakhala apatsidwe, koma nzika kupitiriza kugwira ntchito popanda kutaya malipiro. Tsopano iye ayenera kusankha: akupitiriza kugwira ntchito ndi kupeza amalipiritsa zinatsala kapena kutumizidwa pa holide. Malinga ndi kafukufuku, ochepa atamukoka phindu ngati pa ntchito chatha ndiye kuti mkulu malipiro okwanira. Anthu amenewa kwa nthawi yaitali apitirize kugwira ntchito kupuma pokha pokha matenda.

Ngati nzika adzapitiriza ntchito, adzakhala kuonjezera kukula kwa penshoni tsogolo lawo katatu. Koma adzakhala ndi kusiya kaye kulembetsa ake kwa zaka zisanu. Kwa zaka zaka ubwino analipira bwino, muyenera ntchito zaka zosachepera khumi ndi zisanu ndi kukhala mipira osachepera makumi atatu. Pankhaniyi, malipiro mwezi adzakhala zoposa zikwi khumi ndi zisanu, koma pa chikhalidwe kuti iwo "mandala" malipiro, popanda envulopu ndi ndalama zina sanaoneke.