Imali, Personal Finance
Apho ukudlulisela inxalenye inkxaso ye pension oko kwenzeka kuye?
Urhulumente Russian ugqibe ukuba ukususela ngo-2014, njengenxalenye ye pension, ekuthiwa ingakho kuncitshiswa ukususela-6 ekhulwini ukuya 0. Kodwa kunokwenzeka ukugcina Njengesiqhelo ekhulwini ezintandathu xa kukufumanisa apho ukudlulisela inxalenye inkxaso ye pension.
Okokuqala, ukusindisa efanayo abo ekhulwini ezintandathu kuyimfuneko ukuba angenise isicelo esikhethekileyo Pension Fund. Ukutshintshelwa onke amagunya kwi-arhente iza kudlula apha, kuyimfuneko ukwenza yonke into ngokwakho.
Kulo mzekelo, le nkqubo ngokwayo ikhululekile, kuphela ukuba bachithe ixesha bezama ukugcwalisa kwinani lwamaxwebhu.
Pension - ukuba avele kuwo?
Ukuqhubeka kunye umhlala - iinkqubo ezimbini ezahlukeneyo eziyimfuneko ukwahlula xa umntu ecinga apho ukudlulisela inxalenye inkxaso ye pension. Xa ufikelela kwiminyaka ethile, uqala ukuhlawula kuye pension. Kwaye ke ukuqokelela imali unxulunyaniswa urhafiso abemi abasafakwe ukusebenza.
De kuye ekupheleni kuka-2013 - kwaba ngaphambili?
Of kumvuzo lilonke wonke ummi 30 ekhulwini phambi kokuba irhafu zachithwa. 6% itsaliwe nje ukuba yinxalenye ye pension yegalelo, kodwa 20 - indawo-inshorensi. Ezinye imali waya kwezinye iimali.
iindlela zokugcina ebizwa isixa semali, yona igcinwa kwi
akhawunti umhlala-phantsi, ngokobuqu umhlali ngamnye. Ukongeza, kuyenzeka ukuba ukwabela imali ziindlalifa. Oku inxenye ukusombulula ingxaki apho ukudlulisela inxalenye inkxaso ye pension. Akuve enye into - i element inshorensi pension.
Eli candelo ilawulwa ngokupheleleyo kwaye kulawulwa ngurhulumente. Loo inshorensi ichithwa kwiintlawulo yangoku abadla umhlala-phantsi. Kwilizwe lethu, kukho isiqhelo sokuba ngonyaka inani labo. Ngoko ke, umba yepenshoni ngoku bahlawulwa eninzi ingqalelo kumgangatho karhulumente kulo.
Kutheni kufuneka inxalenye numbers ye pension I?
Njengoko sele kukhankanyiwe, ukuyilwa loo mali lwenzeka kwi akhawunti eyodwa ukuba ibhaliswe umntu othile. Ngoko ke, lo mgaqo, kufuneka ibe umbuzo apho ukudlulisela inxalenye inkxaso ye pension apho. imali ngolo ayikwazi makuchithwe into yokuhlawula ipension abantu sele ufikelele kwiminyaka yobudala efunekayo. Yena zitshintshelwe ziindlalifa okanye ukufa, okanye ilifa.
Urhulumente uthembisa ukuba ipension loluntu ngesantya sokukhula abo
Kubalulekile ukuphawula: imali ye pension eqhelekileyo pesenti ezintandathu liya kuqhubeka lihlawula abo baza kuba ukuguqulela inxalenye inkxaso ye non-karhulumente ingxowa-mali yomhlalaphantsi phambi kokuphela kuka-2013. Ngokubanzi, kunyaka ozayo kule ndawo utshintsho ngenkankulu kulindeleke. Ithuba ukuncama inxalenye yale mali yomhlalaphantsi eyenziwa ngurhulumente kokungagqibekanga.
Abo bangekabi abangayaziyo le yotshintsho kufuneka khawuleza ukwenza yonke njengoko kufuneka. inxalenye exhaswayo ye pension ngo-2013 kodwa baqhubeka. ngemali Translation inxenye ye pension ukusuka kwenye ingxowa-mali yomhlala-phantsi kwenye kungathatha ixesha elithile, ngenxa yoko ungaphulukana imali.
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