Inxalenye exhaswayo ye pension kwi Savings Bank: ncomo

Ngu ukuyilwa imali pension kufuneka wasondela ngobulumko. Ngoko ke, ngaphambi kokuba usayine amaxwebhu, kuyimfuneko ukufunda imbali yenkampani ngokweenkcukacha bese sithola iimeko zotyalo-mali. Ukuqhubeka kwemali inokusebenza kuphela PF yoluntu okanye yabucala. Iinkcukacha ezingaphezulu malunga iimeko phantsi lulungiselelwayo inxalenye inkxaso ye pension kwi Savings Bank, ufunde.

SPC Security

Sberbank - iqela mali inkulu eRashiya, nto leyo ibandakanya kungekuphela amaziko ngetyala kodwa NPF. Le yokugqibela yasekwa ngowe-1995. A ilayisensi yokuqhuba yokonga pension efunyenweyo ngo-2009 kuphela. I-Foundation ibonelela ngezi nkonzo zilandelayo:

1. Non-governmental iinzuzo zomhlalaphantsi kumntu ngamnye.

2. inshorensi iinkqubo umyalelo ezifana:

• imali Investment efunde;
• intlawulo enye, okanye esaphila izibonelelo ezithile;
• amalungiselelo co-ngezimali kweenkqubo zikarhulumente.

Agency Rating National eyabelwe kwi Fund rating iphezulu "A ++". Ngomhla yokusebenza kwemali yombutho zifumaneka kwi-website kwiziko.

Ngo-2013, inani labemi abaye zidweliswe imali yabo kwi-SC NPF, waba kwesigidi esi-1. Man. Ke konyaka onesiqingatha elo nani kabini. Ixabiso elipheleleyo kulondolozo ngo-2013 -. 72 mln Thambisani. Imbuyekezo epheleleyo yotyalo-mali ka-52%, i-avareji kwamaxabiso kwiminyaka emi-4 yangaphambili - 33,88%.

iimeko

inxalenye exhaswayo ye pension kwi Savings Bank iya kuzisa ingeniso ngakumbi, kuba kungenzeka lombutho ibanzi ngobunto kuthelekiswa namanye amaziko efanayo. Ukuze ukutshintshela iimali NPF, kufuneka:

• uqhagamshelane isebe lenkampani kunye ipasipoti SNILS;
• ukuba asayine isivumelwano-inshorensi pension (operatives);
• ubhale ingxelo urhulumente PF ukuba ukutshintshela iimali nesiseko labucala.

Amaxwebhu yamkelwe de uDisemba 31 kunyaka ngamnye.

Enye inzuzo ngokusebenzisa Sberbank

Ukuguqulela inxalenye ezixhaswa ngemali ye pension ukuya NPF inokuba kanye ngonyaka. Sberbank ngokukhetha it nje umbutho ukuqokelelela mali, umthengi angathembela yokuba akayi kufuneka beme emgceni elinde intlawulo elandelayo. Yonke imali zidluliselwa ngqo Savings Bank of kwimephu. Kuba iinkonzo yokubhalisa kufuneka uqhagamshelane isebe yokundwendwela kunye nesatifiketi, gcwalisa iphetshana ekhethekileyo ukufumana ulwazi intlawulo kwaye lazise PF ukutshintshwa umhlalaphantsi pension ngeenkcukacha ezintsha. Emva koko, abathengi nga cash naziphi na iimali ngenxa ATM elikufutshane, ukujonga intsalela Internet, ungaqwalasela izaziso SMS malunga intshukumo imali kwi-akhawunti yavulwa OJSC "Sberbank of Russia".

inxalenye exhaswayo ye pension ekuthethwa

Ngowe-2015, impikiswano ebangele okuninzi sokuzimisela kaRhulumente ukucima iintlawulo abekwe. Ngokutsho-Ofisi yoMphathiswa wezeMali, le ndlela yokulinganisa ayizi kuzisa ingeniso mali ka $ 370 ezigidi. Engange. ngonyaka, kodwa emva koko nyamalala umthombo 'ubude' imali NPF kunye Vneshtorgbank, leyo elawula kulondolozo uRhulumente ukutyala 3 ezigidi. bagcobe. kwiinkampani zasekhaya.

nangoko zezoqoqosho bahlabe uphaphazele. Rhoxisa inxalenye numbers kuya kukhokelela ekuncipheni kwireyithi replacement kwi-25% kwiminyaka eyi-10. Insurance zomhlala into sikwalathisa ngeendleko-mali, mali leyo ngo 2018 kunokunganeli. Ngenxa yoko kweentlawulo qala sum ukuba abadla umhlala-phantsi iya kuncitshiswa. RPF akusekho ukumelana umthwalo. Isiqingatha iintlawulo ngemali yi-mali federal. imeko yabantu elukhuni kweli lizwe, exit ekuqaleni baseRashiya umhlala (55 no-60 kwiminyaka nxamnye 63-64 kwi kumazwe EU), kunye nesabelo eliphezulu isithunzi uqoqosho kwandisa kuphela umthwalo kwi NPF. Oku kuthetha ukuba izinikezi ukusuka mali federal uya kukhula.

iimpikiswano

Isizathu kuphela ngokwenza utshintsho inokuba imbuyekezo ezimbi benene mali. Kule minyaka idlulileyo 5, inzuzo ye Vneshtorgbank yaba 28.9% kunye izinga lokukhula kwamaxabiso - 46%. Le ntlekele isigxina kweli lizwe andzise kuphela meko. Ngokutsho izimvo kunye neengxelo kwezentlalo, abantu musa uthemba NPF yaye uyitshintshe nganye nganye ngonyaka ngamnye. Ngenxa yoko, imibutho kufuneka sihlaziye asethi. Indyebo kwiiprojekthi zexesha elide abanayo amathuba.

Abemi waqalisa ukuxhalatyiswa ukuba urhulumente ufuna splurge ngemivuzo yabo elizayo. Kodwa Osoqoqosho bathi ukuba akunjalo. isabelo numbers oluthi luqokelelane ngaphakathi 6%, kuya kuthunyelwa kugqitywe intlawulo inshorensi. AmaRashiya kufuneka kuphela isicelo kwi-ofisi PF uze ubhale ingxelo malunga yokutshintshwa kwemali. Savings Bank - omnye wemibutho leyo ngemali yinxalenye pension, ukuze iqokelelwe. Customer ingxelo lungqina ukuba maxa wambi nkqu inkqubo yobhaliso elula, kuba iingxaki. iingxelo, nemali maxa wambi musani ukufika kwangexesha kwi ngeendleko ixesha elide kakhulu ziyaqwalaselwa.

isakhiwo

Abantu abaninzi abazi ncam ukuze sibone ukuba ikamva pension. Formula ngaphandle ubukeka kuyoyikisa kakhulu nentsonkothileyo. Kodwa deal ubaluleke ngayo. It iqulathe amacandelo amathathu:

• inshorensi inxenye ukhandwa iintlawulo zenyanga umvuzo (C);
• yomhlalaphantsi esisiseko, ukuba lo mntu uza kufumana kuyo nayiphi na imeko kancinci ebomini bam esebenza (B);
• isabelo efunde yi-6% omvuzo (H). Esi sixa umntu ukulahla yabo ngumbutho ukuba wenza ingxowa. Oku kunokuba inkampani lolawulo lwee-asethi (CC) okanye NPF. Kunokwenzeka, umzekelo, ukuba ukutshintshela iimali e Savings. Translation inxalenye numbers ye pension ukhutshwa ngqo kwisebe kwiziko lamatyala.

La magama bathathu ngoko banda ngesantya ezizodwa zixhomekeke ubude, ubukhulu imivuzo, kunye nezinye bokuqonda. Ngenxa olungumgubo unalo ifomu:

Pension B = K1 x + K2 x K3 x C + N.

Urhulumente kucetywa ukuba ukutshintsha ngumlingani kwekota yesithathu ukuya "0".

Njengoko kuchaziwe kwi-ncomo, asingabo bonke abantu baseRashiya ezidweliswe yinxalenye numbers ye pension kwi Savings Bank okanye omnye NPF. Kukho udidi ngabemi abakhetha ukuba ukutshintshela iimali ezivela VTB. Loo "nina bothixo" urhulumente unako ukudlulisela inxalenye inkxaso-inshorensi pension. Ngenxa yoko, iintlawulo ziya kwanda ukusuka-16% ukuya kwi-22%. Imali iyonke ye pension ziya kutshintshwa, kodwa akunyanzelekanga ukuba ecaleni ezincinane. Lo ngumongo kuphuculo entsha. Nangona wase enqaba. Kodwa mhlawumbi umbuzo lokuvunywa liya kuvuka kwakhona kwixesha elizayo.

Eyona engundoqo iingxaki zenkonzo

Kwi kwiiforam, unako ukufumana inani elikhulu izikhalazo malunga neenkqubo amaxwebhu elide. Xa umntu efuna ukutshintshela iimali ezivela kuluntu ukuya PF zabucala okanye Code Criminal, umele ubhale ingxelo zombini izakhiwo ukuya ku-31 kuDisemba kulo nyaka. Emva kokugqitywa kwenkqubo sithunyelwa isaziso yesixa zitsalwa kunye nemali efunyenwe kwi -akhawunti ka NPF Savings Bank. inxalenye exhaswayo ye pension, ipesenti iminikelo apho okwangoku limi kwi-6% baya kuhlawulwa nge-31 Matshi kunyaka olandelayo. Kodwa ncomo umsebenzisi bathi la magama aphulwe rhoqo. Apha ungenza angacebisa kuphela enye into: xa ixesha ikhwelo zombini umbutho kwaye ufumanise ukuba kwenzeka ntoni imali. Enye yinkinga, ebalawula la magqabaza umhlala phantsi kuvela kwimeko ukutshintshwa kwemali evela Savings Bank kwenye NPF. Isebenza umthetho elifanayo kwi imeko yangaphambili. Mali kufuneka zitshintshelwe de-31 Matshi kunyaka olandelayo. Ngoko ke, xa umxhasi engenise isicelo ngo-Apreli kulo nyaka, kuya kufuneka ulinde iinyanga ezili-11.

Ngokutsho kwiingxelo zemali, izinga ngonyaka lokubuya Ukhuseleko NPF yi 5-6%. Kodwa iinkqubo zotyalo-mali ezininzi, kwaye hayi ukuba bonke bephela baya kuzisa umvuzo. Ukongeza, abantu ebonakalayo etshintsha rhoqo NPF. abathengi ezinjalo akufunekanga esityalwe inxalenye ixesha elide oluqhelekileyo ye pension kwi Savings Bank. Uhlaziya amaRashiya ukuqinisekisa ukuba iziphumo yemveliso 2011-2012 imali yaba 0%. labemi anezikrokro kule minyaka transfer ngobuninzi kwemali kwelinye NPF.

inxalenye exhaswayo ye pension kwi Savings Bank: ncomo umthengi

Emva kokuhlalutya baseRashiya izimvo malunga nomgangatho weenkonzo kunye inqanaba lokufikelela kulwazi, ukuze sikwazi ukubona iingenelo ilandelayo iphambili ngentsebenziswano lombutho:

• Ubuncinane isethi yamaxwebhu. Ukuba asayine isivumelwano kufuneka nje ipasipoti SNILS.
• Isantya processing. Umthengi unako ukubhala isicelo nayiphi na masebe yebhanki ekufuphi. Kwiintsuku ezimbalwa kamva abasebenzi uya kubiza yaye cwangcisa ixesha lokuba wokutyikitywa kwesivumelwano.
• Ukufikelela kulwazi. imali eseleyo kwi-akhawunti ingabonwa nge "Akhawunti Yam" kwi-website SPF.

Ilishwa (ukugweba yi-ncomo abathengi zenkampani):

• ukulungiselela imibuzo malunga neziphumo mali iintsuku 30-60;
• ukusilela zobugcisa rhoqo kwinkqubo;
• NPF Ukhuseleko isebenza, nangona inzuzo, kodwa isivuno Records ibetha.

isiphelo

AmaRashiya uyakwazi ngokuzimeleyo ukukhetha yeyiphi umbutho iya inxaxheba ukuqokelelela inxalenye ezixhaswa ngemali ye pension yabo. Enye NPF sikhulu kweli lizwe yasekwa Savings Bank ngo-1995. Njengoko ka-2013, izigidi ezi-1. BaseRashiya wamnika imali yazo yomhlala phantsi. Eli ziko lisebenza inzuzo. Imibono malunga mbutho eyashiya ukuba ezinqwenelekayo. Uninzi izikhalazo zabathengi ezinxulumene ixesha elide ukufumana iingxelo malunga neziphumo mali investment kunye nexesha inkqubo of transfer yokubhalisa ukusuka kwenye APF ukuya kwenye.