Insurance kunye inxalenye ezixhaswa ngemali ye pension - iinkalo eziphambili lobonelelo loluntu

inkqubo Modern pension Russian kuquka uhlobo oluthile imali, nto leyo akhiwa etshintsha kumqeshi. Zama ukuqonda ukuba yintoni na le inshorensi kunye inxalenye ezixhaswa ngemali ye pension.

Leyo yinxalenye nekamva software

Insurance kunye inxalenye ezixhaswa ngemali ye pension yi-22% ye lomvuzo zomqeshwa ngamnye. Imali ukuya ekubunjweni pension elizayo, nto leyo ibandakanya inshorensi kunye necandelo inkxaso. Insurance yi-16%, kwaye ezongezelekayo - 6%. I-inshorensi inxalenye karhulumente okuchitha ukuhlawula abadla umhlala-phantsi ngoku kwaye athathe ingqalelo njengetyala yokuhlawula ipension ukuba umhlalaphansi elizayo. Insurance kunye inxalenye ezixhaswa ngemali ye pension kuqulatha onke kwengeniso, iguqulelwe ngumqeshi umqeshwa akhawunti okhethekileyo. inombolo akhawunti phezu SNILS ikhadi. Urhulumente ivumela zande imali zokugcina ngokulawula imali kunye neenkampani.

Eyona engundoqo amacandelo yomhlalaphantsi

Cinga, yintoni umahluko phakathi kwe-inshorensi kunye pension ngemali.

Insurance:

• Kuyinto-16%.
• Kuxhomekeke ubude wenkonzo kunye lomvuzo inqanaba.
• ingxowa-mali yomhlala-phantsi ibalwa ngokwefomyula eyenzelwe (QUOTIENT of capital pension ngexesha umhlala-phantsi kunye inani leenyanga elizayo transfers; idityaniswe kwisiphumo ibekwe ubuncinane karhulumente - isiseko inxenye).
• Lahla abantu cash akakwazi.
• Intlawulo yenziwa rhoqo ngenyanga afike kwiminyaka ethile ngumthetho (engama-55 ubudala - kubemi ababhinqileyo kunye neminyaka engama-60 - inkunzi).

nezixhaswa ngemali:

• Kuyinto 6%.
• Kuya kuxhomekeka kumgangatho umvuzo kunye ngokoMthetho iintlawulo zenyanga.
• Umntu unako ukulawula oko - idluliselwe nayiphi na ingxowa-mali yomhlala-phantsi, okanye ulawulo trust inkampani engekho phantsi kukarhulumente, oko ngakumbi ukwanda ubungakanani pension yabo.

Indlela ukugcina nokwandisa imali

Insurance kunye inxalenye ezixhaswa ngemali ye pension akhiwa kulo lonke ubude wokunceda umntu. imali inshorensi - oku liqinisekiswa intlawulo imo mali, kuxhomekeke ngobude kwenkonzo, yaye icandelo inkxaso ibandakanya-6% ukusuka kudluliselo kumqeshi ukuya mali yomhlalaphantsi ukususela ngoJanuwari 1, 2012.

Ngoku wonke umntu osebenza ungakhetha iinketho zilandelayo yokulahla software yokugcina:

• Yishiye-mali yomhlalaphantsi karhulumente, anikezele ulondolozo kwinkampani yolawulo.
• Ukuba zincede zikhethe naluphi na inkampani uxanduva, leyo ngemali yinxalenye software iya kugcinwa kwi-mali karhulumente, kwaye alahle lo mali iya kuba ingxowa-mali yomhlalaphantsi, akuba bavingcela isivumelwano ne-mali karhulumente.
• Management yokonga ezongezelekayo phantsi kolawulo ngokupheleleyo mali yomhlalaphantsi yabucala, apho ukutshintshwa kwemali.

inxalenye exhaswayo ye pension kunye insurance - amacandelo imbopheleleko ye pension elizayo. Nabani na ukuthatha unonophelo ilungiselelo imbopheleleko yi ulawulo ofanelekileyo ukhetho lwe ebezibekiwe.