Fund Pension "Ikamva": mlinganiselo ncomo

NPFy eRashiya yonke imihla iya zithandwa ngakumbi. Ngapha koko, eli lizwe inkqubo imali yomhlalaphantsi ngamnye. Oku kuthetha ukuba imali ebekwe bucala ngenxa yokwaluphala, kufuneka igcinwe kwindawo ethile. Yintoni ilungiselelwe kubaxumi bayo kunye nabatyali-mali olunokubakho "Ikamva" pension fund? Njengokuba kude njengoko intlangano onokuthenjwa? Ukuqonda konke oku kuba kunzima njengoko kubonakala. Ukuze ubone corporation ngengqibelelo uya kunceda ncomo ezininzi.

le misebenzi

Okokuqala kufuneka sinikele ingqalelo koko inhlangano. "Ikamva" - yinto ingxowa-mali yomhlalaphantsi non-karhulumente uhlobo. Ngokuphathelele imisebenzi abemi akukho zikhalazo. fund Pension "Ikamva" - yinkampani enikeza inshorensi pension. It laseka umbutho amaninzi NPFov kutshanje. Kodwa uthathe isigqibo ukuzomelezela rating Russian. Yintoni inkampani? It inikeza umhlalaphansi elizayo ukonga imali yomhlala-phantsi kunye nolondolozo ngokonyuswa ngokutyala yinxalenye iingenelo. Akukho nto ekhethekileyo okanye nentsonkothileyo!

ukukala

fund Pension "Ikamva" - yinkampani, apho, njengoko kuphawuliwe, lenzeka ngokudibana ezininzi NPFov eRashiya kutshanje. Kodwa kangangeminyaka eliqela, umbutho benza mlinganiselo eliphezulu indawo. "Future" le elinesihlanu inokuthenjwa NPFov kunye nama-10-11 indawo.

Eminye imithombo ukuze kuchazwe ukuba umbutho - le yenye yeenkokheli ezintlanu mali non-zikarhulumente ezifundisa iinkonzo inshorensi yomhlalaphantsi. Kuyo nayiphi na imeko, ingxowa-mali yomhlalaphantsi unesigxina eliphezulu kwi simo, nto leyo ethetha ukuba unako ukumthemba. Nantso into abanye bakholelwa iimali oko. Kodwa oku kwiimpawu ze-kuphela. Yiyiphi enye into ekufaneleke ukuba siyicinge?

trust

fund Pension "Ikamva" bafumana ezininzi iimpendulo. Kodwa ubukhulu becala HIV. Ngokukodwa, inqanaba sikholose lo mbutho phezu ngaphezulu. Kuthetha ukuthini?

Trust okwangoku ibanjelwe kwindawo A +. Oku azikhethekanga kakuhle, kodwa kwenzeka oko. Imela for "nentembelo High". Oko kukuthi, abemi iqwalasela "Ikamva" umbutho yengxowa-mali yomhlalaphantsi ezizinzileyo eya kukwazi ukugcina nokwakha ipension kwixesha elizayo. Kanye into oyifunayo!

ERashiya, ukusuka kwinqanaba trust baxhomekeke kakhulu feedback zabathengi. Ngoko ke, NPF "Ikamva" kule ndawo akukho zikhalazo. Nangona imvelaphi yayo esanda, umbutho, ngokutsho manani, kunye nabathengi bakholelwa, ukumphakamo. Akukho ngxowa-mali yomhlala-phantsi ofanelekileyo, kodwa ngokomgangatho ezininzi imibutho efanayo.

inzuzo

Kodwa isibaluli zilandelayo kubalulekile ukuba abo bafuna nje ukugcina imali yomhlalaphantsi, kodwa mbalwa. Sithetha ngayo inzuzo. Yintoni ingxowa-mali yomhlalaphantsi non-karhulumente "Ikamva" kwingxelo efumaneka kule ndawo? Bona edidayo kakhulu. Abaninzi balatha ukuba imbuyekezo lulonke kwi iidipozithi apho. Ke, xa nditshoyo, andithethi nto nje ebalulekileyo njengoko kwakuthenjisiwe kwisivumelwano. Ngoko ke, abanye abatyali-zimali unokuziva ekhohlisa.

Xa sincokola ngayo amanani, ngesithembiso kwi 'elizayo' imbuyekezo ngomyinge 10-12% ngonyaka. Enyanisweni, akusekho uya 7-7.5%. A meko efanayo kungachazwa kwamaxabiso kunye ntlekele jikelele. Imeko ifana lonke NPFah. Ngoko ke, lo ezingakhiyo ngqo akunamsebenzi.

fund Pension "Ikamva", njengoko abaninzi bathi - indawo leyo iya kugcina kwaye andise kancinane inxalenye ezixhaswa ngemali esabekwa kukwaluphala. Le asiyiyo indawo engcono yokusebenzisa njengesixhobo NPFa phinda igalelo, kodwa imbuyekezo ethile ikuvumela ukuba.

malunga Izivumelwano

Ixela ingxowa-mali yomhlalaphantsi umhlala elizayo iceba ukungena kwizivumelwano ukuvulwa yesibambiso. Kule ndawo, abaninzi cela igqwetha malunga indlela "kwixesha elizayo" yenza ngokomthetho. Le mvumelwano eneenkcukacha kakhulu, kodwa ezinye bokuqonda lo mbutho cwaka. Bonke kufuneka bafunde ngokwabo.

Amagqwetha athi kwingxowa-mali yomhlalaphantsi yangoku "Ikamva" kusemthethweni ngokupheleleyo. Hayi ukholo elungileyo kakhulu, kodwa yonke imibuzo yakho kucaciswa. Umntu ikhalazela ukuba akazange ukrokrela ukuba inxalenye yakhe numbers ye pension igcinwe kule NPFe. Oku kuqhelekile. Ezi zikhalazo zivela engqesho esesikweni. Akukho mthethweni apho - ingxowa-mali yomhlalaphantsi ungenela isivumelwano intsebenziswano kunye kumqeshi okanye abo abanye abemi. Kunye nokwanda bonke abasebenzi ngokuzenzekelayo iguqulelwe "elizayo". Yazisa malunga iinguqu ezifunekayo kumqeshi, kunokuba NPF. Ngokusekelwe kule, esola fund uyajola angafanele ngayo.

iziphumo

Yintoni ndithi ekugqibeleni? Non-government "kwixesha elizayo" pension fund - kakhulu umbutho entsha, nto leyo eRashiya ukude ukuba kwi indawo yokugcina. Yena usebenza ngokholo elungileyo, nangona kukho ezinye kuneengxaki.

Imali iya kuvulwa apha, ingxowa-mali Akukho izicwangciso ukuba iphepha-mvume. Kodwa "ikamva" asifanele kwabo kuba lowo inzuzo kule mbutho yeyona parameter ibalulekileyo. fund Pension "kwixesha elizayo" izimvo ezifunyenweyo kakhulu elungileyo. Mhlawumbi simele sicinge ngokulondoloza imali yabo kulo mbutho.