Fund Pension - yintoni na le nto? imisebenzi esisiseko kunye nemigaqo yokusebenza

Awu, kweli hlabathi onokufa, kukho iinkqubo ezininzi kangaka ngokude hayi kuxhomekeke emntwini. Ke kaloku omnye wabo - kuba ukwaluphala. Zokudambisa ngenkxamleko ezivela, oko yasungulwa schemes eliqela ezahlukeneyo, enye yazo - ipenshoni. Kodwa mbutho unoxanduva lokuqinisekisa ukuba, xa lithe lafika ilixa, umntu wafumana uncedo-mali? Pension Fund - umzimba zemali esekwe ngokukodwa ukulungiselela le njongo. Iimali kusesidlangalaleni okanye emfihlakalweni, kodwa elowo wenza isethi imisebenzi ebalulekileyo ekuhlaleni.

Yintoni ingxowa-mali yomhlala-phantsi? Oku uyakwazi yonke imali ezidityanisiweyo?

Ekuqaleni, yenzani isigqibo ngento sisebenzisana. Pension Fund - umbutho uye iinkonzo ethile ebalulekileyo ekuhlaleni ukuba abemi karhulumente (okanye ilizwe). Emva kokuba iminyaka ethile umntu wabeka iintlawulo esihambelanayo, aze abenze ngqo kwiNgxowa-mali le. Ngamafutshane, le PF ilawula iimali inkqubo yomhlalaphantsi i (bonke okanye inxalenye yayo, kuxhomekeke ngurhulumente). Ngqo kulo mzekelo, ingxowa-mali kuqinisekisa inzaliseko amalungelo abemi Russian ukufumana intlawulo.

imali Pension kunye nemithetho

Lo mbutho wadalwa nangenxa yomthetho RSFSR Ephakamileyo eSoviet № 442-1 «On lombutho Pension Fund ka RSFSR". Okwangoku, ibhajethi yalo evunyiweyo nguRhulumente Duma weNdlu yoWiso-Federal yomthetho eyahlukileyo zokwamkelwa uxwebhu oluphambili zemali Russian Federation. Okwangoku, eli lizwe umhlalaphansi ngaphezu kwezigidi ezingama-40 kunye nabaxhamli nezigidi ezingama-20 bafumana intlawulo kulo (nakuba yokuba zonke izigidi 128 abemi abahlala Russian Federation). Njengoko ubona, ngomzuzu i Russian Pension Fund kukho umthwalo ebonakalayo.

imisebenzi yasekuhlaleni

Isizathu esibalulekileyo sokuba kukho RF Pension Fund, ukuba azalisekise imisebenzi yawo kwezentlalo. Phakathi kwezi zibophelelo, nto leyo yenziwa nguloo mbutho zezi:

1. Ukuqeshwa kwe pension kubemi esekelwe kubude yabo lwenkonzo kunye neemeko zokusebenza, kunye intlawulo elandelayo mali efanelekileyo.
2. Russian Pension Fund akhawunti ukuba iimali-inshorensi, nto leyo eza phantsi inshorensi yomhlalaphantsi ezinyanzelekileyo.
3. Oqeshwe kwaye aphumeze izibonelelo zentlalo kwiindidi ezithile zabantu: abakhubazekileyo, amagqala, abantu zanikwa amabhaso eziphakamileyo.
4. Uluhlu bonke abathathi-nxaxheba, aba bakulo kwinkqubo inshorensi yomhlalaphantsi enyanzelekileyo.
5. Sebenza kunye nentsebenziswano kunye abaqeshi bahlawula imali. Ngokukodwa, i-Pension Fund ka-Russia ibandakanyeka kwakhona angahlawulwanga. Ngoko ke, ukuba siphathiswe kwaye imisebenzi ethile nokunyanzeliswa komthetho.
6. Pension Fund of Russia ibandakanyeka ukukhutshwa kwemali, nto leyo inikwa eyinkunzi lokubeleka a.
7. Ulawula zonke iindlela ezikhoyo kwinkqubo komhlala-phantsi kwilizwe liphela.
8. Ukumilisela inkqubo karhulumente co-mali imali ngokuzithandela. Kwakhona eyaziwa ngokuba inyathelo Russian "ngamawaka-waka".
9. Lilawula iimali-inshorensi, nto leyo eza phantsi umhlalaphantsi esisinyanzelo kunye inshorensi yezempilo.
10. Russian Pension Fund iseka intlawulo federal ezongezelelweyo zentlalo ukuzisa ingeniso iyonke ukuya kwinqanaba sokutya ubuncinane.

fund yomhlalaphantsi State

Kulo mzekelo, i Pension Fund ka-Russia ziya kuqwalaselwa. Ngokuqhelekileyo, indlela le software kukwazi ukwakhiwa ngolu hlobo lulandelayo: zesizukulwana sangoku abemi eyomeleleyo ukusebenza ufumana ubutyebi eziphathekayo. Ezinye zazo zidluliselwa abadla mihla abafumana yesondlo evela kurhulumente ngenxa yemisebenzi yabo ngaphambili. Xa iya kuba abadala isizukulwana ubudala ukusebenza, kwaye endaweni yayo kuya kuza ulutsha ekhula, le nkqubo iya kusebenza njengangaphambili, eli xesha kuphela kunye nabanye abathathi-nxaxheba. Bathi ke nabo bayizalisa Russian Pension Fund iya kuhlawula i-software. Olu tshintsho Zijika. Icala elisezantsi umyalelo onjalo linciphileyo kancinane ngamandla ukuthengwa ipension, ngenxa yezizathu eziliqela. Ngoko ke, xa kungekho imithombo ezongezelelweyo yengeniso ebudaleni bakho inokuba yinxalenye zingambi kakhulu yobomi. Ngapha koko, kwiimeko ezininzi, imali ehlawulwa Pension Fund ka-Russia, kakhulu ezahlukene ukusuka kwinqanaba sokutya.

Kufuneka kwakhona abonise umahluko kwiqela elinegunya. Ngoko ke, emva kokuba iya umbutho-level karhulumente ngolu hlobo lulandelayo kwindawo mali yomhlalaphantsi. Uye bendisebenza yonke imiba ezivelayo kwiyuniti yolawulo elinikiweyo. fund indawo Pension, yena, Uqokelela ulwazi.

imali yomhlalaphantsi Private

Ingxaki engundoqo - oko kukuthi, ukudinwa umhlala phantsi, badla wosondeza ukucombulula ngoncedo-mali yomhlalaphantsi yabucala. Bona abanikazi indlela anokuthi kwenziwe. Ngenxa yoko, PEF zisebenza kumgaqo-mali zotyalo: abemi ubanike iinkampani zolawulo imali isigqibo ukutyala, kunye nenzala oyifumene zihlawulwa ezo ipension. Ngenxa yoko, imali singaphelelwa amandla alo okuthenga ngenxa yokwanda yemithombo yayo. Kodwa ke uyilo elungileyo kunye nomtsalane enjalo kuneengxaki zako.

Olu hlobo lwe pension ithandwa eUnited States of America, ngoko malunga iimpawu zale nkqubo iza kuchazwa ngokuthi ngumzekelo kweli lizwe. Ngoko ke, kakhulu ingongoma yingxaki ngumba ingqibelelo ukubuyiswa kwemali kukwaphuka PEF. Kwakhona ingxaki kukuba asebenza kuqoqosho emarikeni, apho akunakwenzeka ukuba ukuqinisekisa ukuba yonke into aya kuthi njengoko bekucetyiwe. Ngoko ke imali luzakulahleka (kwiimeko ezininzi, ixhuzulwa kwizinga esisigxina, kodwa liyawa ingxowa-mali yomhlala-phantsi yabucala swi nga pfuna nokuba enye). Ezo zinto ezimbi Russia akukho pension, kodwa yena uye ubuthathaka bakhe.

Ukubaluleka eluntwini

Njengoko ubona, le mibutho zibalulekile ukuze abantu bakwazi ukuba uve inkxaso ngexesha abayi kuba nako ukuthatha ngokupheleleyo nokuzikhathalela wena. Ngokufuthi, le Pension Fund aza sokubambisana kunye neenkonzo zentlalo. Kufuneka kuqwalaselwe ukuba isenzo iintlawulo zenyanga nangona ngokuyinxenye, kodwa ikuvumela ukuba ukususa abantwana kubazali babo kufuneka inike uncedo-mali. Ngoko ke, i-RF Pension Fund kubalulekile ngokubhekiselele ekwandiseni ukusebenza kwamaziko asekuhlaleni.

Iminikelo njengoko mthombo womvuzo

Umthombo ezingundoqo imali ekhoyo kwi Pension Fund iminikelo ezivela kubaqeshi ezikhoyo. Kumlinganiselo yi-22%, nto leyo zithathwa payroll. Ukususela ngo-2009, ithuba lokwenza iminikelo yokuqhutywa yintliziyo, yiya inxalenye ezixhaswa ngemali ye pension. Inika ukuba ipension ingenzeki zombini urhulumente kunye nomqeshi ngamanani alinganayo (urhulumente umda kulo mgaqo - isixa sentlawulo kufuneka ubuncinane amawaka 2 hayi ngaphezulu kwe-12). Olu khetho luyingenelo ngasinye nxaxheba lobudlelwane. Ngoko ke, umqeshi ufumana ukuxhuzulwa irhafu ukusuka kwimali ingeniso-mali efikelela kuma-12 amawaka engange. Kwakhona inxalenye yezibophelelo Russia ingxowa-mali yomhlala-phantsi yadluliselwa mali Welfare yeSizwe.

isiphelo

Njengoko ubona, ingxowa-mali yomhlalaphantsi - kulula, kwaye lo mbutho Kulula kakhulu ukuba baqonde. Xa ndiqukumbela, kubalulekile ukuba kubekho igalelo kwangethuba, kuba ukuvumela ukuba ugcine yonke inkqubo osinde. Enye into ebalulekileyo ubukho umvuzo ezimhlophe (leyo aluchaphazeli umrhumo ukuya mali karhulumente). Ngapha koko, i-Russian Pension Fund isebenza ukuze kuzuze wonke ummi Russian Federation.