Penshioni inshuwalansi - ndichiyani? Labor inshuwalansi penshioni. Kupereka penshoni ku Russia

Malinga ndi malamulo, mu 2015, anapanga kutembenuka kwa inshuwalansi gawo la ndalama penshioni mu view limodzi - inshuwalansi penshioni. Popeza pali mitundu ingapo ya penshoni, osati aliyense akumvetsa chimene chiri ndi zimene anapanga. Mfundo zimenezi inshuwalansi penshioni, ayankhidwa m'nkhaniyi.

maganizo

Penshioni inshuwalansi - ndichiyani? Ifenso liukitsidwa ndi nzika, anakumana ndi chotero yaitali. Dzina lokha zikuonekeratu kuti penshioni ya aumbike pa mfundo za inshuwalansi. Ndiko kuti, pa nthawi yonse pamene bwana deducts wantchitoyo zopereka wake kuvomerezedwa inshuwalansi kuti Fund ndi penshioni ya Russia, antchito penshioni inshuwalansi anapanga. kukula umadalira pa malipiro. Malinga pakutchulidwa pomwepo inshuwaransi ie zaka zopuma pantchito ndi kusowa mpata ntchito, nzika akuyamba amalandira ndalama kuchokera ku boma.

Chifukwa chiyani kuli kofunikira

Popeza kubwerera kwa penshioni ntchito adzakhala ntchito njira yatsopano ya malipiro, muyenera kumvetsa zimene kusiyana kwawo ndi zimene akufuna. Musati mantha kupanga mfundo mopupuluma monga anazolowera nzika wathu, anakumana ndi chinachake osadziwika latsopano. Ndipotu zonse lophweka, ndipo ambiri Chofunika, izo Yakuti: apamwamba a malipiro apamwezi munthu, ndi apamwamba inshuwalansi amachotsera chotero wamkulu kuchuluka kwa penshioni ya. Ngati kale nzika okha kuchuluka kwa ndalama penshioni umakhoza, koma tsopano iye ali ndi ufulu kudziwa kukula kwa penshioni wanu m'tsogolo. Choncho, tinganene kuti kwambiri wantchitoyo amenewa, ndi apamwamba adzakhala ake malipiro inshuwalansi penshioni, umene kudziwa kuchuluka kwa ndalama zake m'tsogolo.

Kodi

Monga tanena inshuwalansi penshioni aumbike mwa malipiro kuvomerezedwa inshuwalansi mabwana antchito awo. Onse chopereka ndalama ndi 22% ndi mokakamizidwa inshuwalansi penshioni. chiwerengero amenewa anawagawa solidary mlingo umene uli wofanana 6%, ndi mitengo munthu wofanana 16%. tariff Umodzi cholinga kwa ndalama ya ndalama lokhazikika. A chisankho nzika kupereka mitundu iwiri makonzedwe penshioni. Malinga zochita zawo aliyense payekha, iye akhoza kusankha gawo chidwi apita ku mapangidwe penshioni. Mwachitsanzo, tariff payekha 16% ya zopereka, kungathandizire kupita kudzikundikira inshuwalansi mbali ya zopereka penshioni. Kapenanso, mu chimake wina, 6% ungapite penshioni ndalama zolipirira ndi 10% - inshuwalansi mawonekedwe. Choncho, zimaonekeratu zimene zosintha anayambitsa m'malamulo inshuwalansi penshioni, nanga anapanga.

Labor inshuwalansi penshioni

Mtundu wa penshioni ndi chidwi pafupifupi anthu ntchito za dziko. Kuti maziko mawerengedwe a ndalama pantchito, ndi kukula okwana ndalama kenako. Iwo aumbike mwa magawo awiri - izo zimachokera ndi inshuwaransi penshioni. Kodi lingaliro ili ayankhidwa pang'ono. Chinthu chachikulu ofunika podziwa kuti paokha kuwerengera ndalama za penshioni ndi mabvuto kwambiri, chifukwa chaichi, zinthu zingapo ndipo mitunduyi. Makamaka kuwafika zaka zopuma pantchito ya nzika akhoza kusintha kwambiri.

Choncho, mfundo ntchito inshuwalansi penshioni zikutanthauza kuti pali munthu inshuwaransi kwa zaka zosachepera zisanu ndi chimodzi, zimene boma amatitsimikizira malipiro ake pamwezi chochitika inshuwaransi. Pankhaniyi, adzakhululukidwa ingapo.

Kodi kuwerengera kukula kwa ntchito inshuwalansi penshioni

Monga tanena kuwerengera kukula kwa penshioni ya, m'pofunika ntchito mitunduyi wapadera ndi koefishienti. Kwa maziko a mawerengedwe amatenga penshoni awiri - inshuwalansi ndi ndalama zolipirira. Penshioni inshuwalansi - chiyani komanso mmene kuwerengera izo, Zakhala zikunenedwa pamwamba, ndipo apa pali momwe kupeza kukula kwa kudzikundikira, kodi tsopano kutchulidwa. Zolipirira mbali ya penshioni ya aumbike pa pempho la nzika, ndiye, iye ali ndi ufulu wosankha mtundu umodzi wokha wa penshioni. Choncho, kupanga penshioni contributory kungakhale nzeru zake yekha. kukula kwake limafanana 6% ya zopereka mwezi kuvomerezedwa.

Kuti tipeze kukula kwa mphatso inshuwalansi ntchito penshioni, ayenera zidzawonjezedwa kwa inshuwalansi ndi gawo olipiridwa. Kuwerengetsa inshuwalansi gawo, muyenera kugwiritsa ntchito mfundo zotsatirazi: MF = PC / T + B. Apa midrange - ndi mbali chabe inshuwalansi; PC - kuchuluka kwa likulu Mzimuyo kukula nthawi ya kuikidwa zopereka penshioni ndi zaka; T - nthawi imene malipiro chikuyembekezeka kwa zaka; B - zofunika zikuluzikulu za penshioni ntchito, ndi amodzi ndi kukula kwake mukhonza kuwapeza bwana wanu thumba penshioni.

Lamulo pa inshuwalansi penshioni limanena kuti kukula kwake umamumvera indexation pachaka malinga ndi kukula kwa mitengo ogula. Choncho, mawerengedwe a pantchito kukula penshioni kudzadalira kusintha zinthu zingapo zimene zimakhudza mlingo wa moyo ndi mitengo dengu chakudya.

Ndani angalandire penshoni

Insurance akale zaka penshioni linaperekedwa kwa nzika afika zaka zopuma pantchito. Kwa amayi zinali zaka 55 chifukwa amuna - 60. Kuchokera 2015 kulandira inshuwalansi ukalamba penshioni, muyenera kukhala zopereka kwa zaka zosachepera zisanu.

Anthu deducted umafunika pamwezi kuti Fund ndi penshioni kungakhale kulandira malipiro penshioni kukwaniritsa zaka anakhumba, ngati mtengo wa penshioni munthu koyefishienti si zosakwana 30.

Kodi kusamalira penshioni awo

Akale dongosolo penshioni, bwino anawoloka kuchokera m'nthawi ya Soviet Union kuti zenizeni ano zachuma, zasonyeza kudwala ake. N'chifukwa chake kusintha, lomwe linasintha njira onse ndi kuyang'ana pa kuvomerezedwa zopereka mwezi wa nzika. Lero, munthu aliyense akhoza mosadalira kusamalira penshioni tsogolo lawo. Mwaluso zokwanira kufikako nkhaniyi, kotero inu sizipanga anadabwa tione ndi kunena kuti: "penshioni Insurance - Ndi chiyani icho". Monga tanena ndi ndalama kungakhudze kukula kwa zasungidwa m'tsogolo, pamene sadzatha ntchito. Choncho, si koyenera kubisa malipiro awo, osati kukhala ndi ndalama zochepa m'tsogolo. Mukhoza kupereka ngongole kwa gawo ndalama zolipirira ndipo pofuna kuwonjezera kukula kwa zasungidwa m'tsogolo.

ndi mwamsanga pantchito Kodi

Nzika zina alandire ndalama penshioni pamaso pa tsiku lomalizira chofunika, amuna mwachitsanzo - pamaso pa kuphedwa kwa zaka makumi asanu ndi limodzi, ndi akazi - mpaka fifite-faifi, motero. Kuvomerezeka kwa mwamsanga pantchito ndi anthu ntchito, mwachitsanzo, mu mavuto ambiri. Malinga ndi mkulu mndandanda atatu akhoza kuwasiyanitsa mu malo amodzi. Amene mwa izi munthu, m'pofunika mwachindunji mu Fund ndi penshioni ya Russia.

mwamsanga pantchito ali zambiri zina zabwino mu kapangidwe, kotero nzika ntchito zinthu molimba, kusonkhanitsa zikalata zonse zofunikira natsimikiza kutalika kwa utumiki. Si superfluous kuti monga mu mndandanda wa zikalata Buku kuchokera kuntchito, monga buku ntchito sikokwanira.

The chipangizo cha dongosolo penshioni ku Russia

Panopa Russian Fund penshioni Federation ndi udindo mitundu zotsatirazi penshoni, imene ali ndi ulamuliro kupanga, kusankha ndi kulipira zigawo olumala ya anthu:

• boma penshioni;
• ntchito;
• omwe si a boma.

Malinga zilakolako nzika iliyonse ali ndi ufulu kukhazikitsa ndi penshioni nokha. Zimenezi zikugwira ntchito kwa anthu ntchito, zinachitikira ntchito za omwe sanafike apabe enaake. Mwachitsanzo, mukhoza deduct kuchuluka kwa ndalama zawo ndalama boma penshioni, ndipo sanali boma (NPF). Ngati Investor wapanga chisankho mokomera ndalama payekha penshioni, udindo limapezeka ku kusaina mgwirizano wa mbali ziwiri. nzika ya ayenera kulipira kuchuluka pamwezi malipiro awo kwa thumba ndi undertakes kumulipira ndalama kuchokera ku tsiku chilema.

Insurance akale zaka penshioni akhoza analipira, ndipo kudzera ndalama si boma penshioni. Chiyambireni cha 2015, ndi kumayambiriro kusintha zingapo zokhudza nzika si ntchito kulipira, uko kunali mbali: ngati zinachitikira ntchito za nzika wam'ng'ono anakhazikitsa ndipo anapeza mfundo si zokwanira pa iye, alandire malipiro patapita zaka zisanu. Choncho, nthawi inshuwalansi penshioni ndi kwambiri amadalira umoyo wa munthu aliyense wamoyo pa gawo la Chitaganya cha Russia.

mfundo zosangalatsa

Posachedwapa, ndicho kukhazikitsa kusintha penshioni mu 2015, boma udindo kwa mtundu umodzi wokha wa ndalama kuvomerezedwa - inshuwalansi penshioni. Choncho, munthu amene wadzipereka kuti malipiro mokomera dongosolo kudzikundikira, kwathunthu amalandiranso udindo ngati wekha. Mulimonsemo, kukula kwa penshioni kudzadalira nzika iliyonse. boma akhoza kulipira yekha phindu zikuluzikulu ndi kokha nthawi zina.

Kwa anthu amene ali mu gawo la ulimi, boma wapanga zowonjezera zazing'ono kuti mfundo penshioni. Mwachitsanzo, kwa ogwira ntchito ndi kujayira kwa zaka zoposa makumi atatu ndi kalekale akukhala m'madera akumidzi, anapereka kuwonjezeka penshioni awo.

Amayi ndi ana ambiri kupeza mfundo zowonjezera mawerengedwe a ndalama lamulo boma.