Inkqubo co-mali yomhlalaphantsi. inkqubo pension co-mali kaRhulumente

Le program ye pension co-mali kakhulu into elungileyo, kwaye ukukhula rhoqo inani labantu uyavuma ukuthatha inxaxheba. Kuthetha ntoni amele? Ziziphi iingenelo? Ingaba kuluncedo ukuba nenxaxheba kulo?

ulwazi jikelele

inkqubo pension co-mali karhulumente ngokomthetho yasekwa ngowe-2009. Noko ke, yonke into yahamba kakuhle. Ngenxa esibophelelayo elibalulekileyo le-inshorensi yinxalenye pension inkxaso wamiswa. Oko kukuthi, abo - ukuyisebenzisa. Kwaye ngoko ke ivaliwe ukufikelela. Kodwa xa ufuna ukuba nenxaxheba kulo, i-2017 ngogqibeleleyo ukuze oku ngenxa yokuphindela yayo. Ngoku kukho indlela engcono kunalowo ukuba ngaphambili. Apha siza kuqwalasela ngayo. Ngoko ke, yintoni yinkqubo co-mali ye pension? Ingaba kuluncedo ukuba nenxaxheba kulo? Kunokuba - ngokuba inkqubo pension co-mali uthatha ukuba yonke imali engange, yaziswa ngumntu, urhulumente uya kongeza phezu kwam uqobo. Kuhle kakhulu ngokubhekiselele kubonelelo umhlala-phantsi, njengokuba umgangatho walo kuya kuxhomekeka nezezimali, apho wafika ngeendleko amalungelo zobuqu. Ngenxa yoko, infusions kakhulu ukwazi ukufumana inkxaso entle kakhulu. Kwaye ukuba ekugqibeleni normalizes kunye ukunyuka kwamaxabiso kuya angehla 1-2%, kuya kusenza sikwazi siphile ngcono!

yingxenye

Qala inkqubo co-mali zomhlala-phantsi ingabe ngummi Russian Federation. Kodwa ngaphambi kokuba oku, uyigcine yonke imiqathango amalungiselelo ayo. Ukuze inxaxheba udinga kuqala ukulungisa ingxelo kwaye bayinike iingcali kwingxowa-mali yomhlalaphantsi ngokweendawo abahlala kuzo. Ukuze oku kufuneka kongezwe ifotokopi iinombolo zepasipoti zabo lisingenise xa usenza igosa elinoxanduva. Kwakhona, kufuneka uthathelwe ingqalelo ukuba kukho ubungqina inshorensi pension. Yintoni na? Njengoko kuchaziwe ngaphambili, inkqubo pension co-mali karhulumente ngokusondeleyo inxulumene ne-inshorensi inxalenye nokondla yokwaluphala. Bakhonze njengoko la maxwebhu afumaneka nokuba umntu okanye umqeshi wabo okanye umbutho ukuba zingqinwe yi-mali yomhlalaphantsi ukuze kuphunyezwe izenzo ezinjalo.

mathuba ezizodwa

Njengoko kubhaliweyo ngaphambili, inkqubo pension co-mali inika umlinganiselo we-1: 1. Ngamanye amazwi - abantu abaninzi imali, ngcono kuya kuba. Kulo mzekelo, kukho iimeko ezithile. Ngoko ke, abantu abasele bafikelela yobudala yomhlala-phantsi, kodwa musani ukumamkela intlawulo yabasebenzi, xa ufaka imali kwi-akhawunti yakho iya kufumana ukwanda kane. Makhe sijonge umzekelo olula. Ngokuqhelekileyo, ukuba umntu uya kwenza engange amawaka alishumi, imali mnye uya kongeza kuso kunye karhulumente. Kodwa ukuba - i umhlala-phantsi, loo nto kufumana iinzuzo zengqesho, ngoko akukho ukuya nge-20,000 kunye 50,000, njengokuba-40 000 ziya kudityaniswa yi-mali. Yenza iminikelo kwi-akhawunti kuba nabani na, naliphi na indlela oyithandayo. Inye kuphela into ekufuneka yenziwe phambi kokuba - ukujika iingcali ophetheyo ukufumana iinkcukacha nto, yaye kuya kufuneka uthumele imali. Abanye basenokuyithandabuza loo bakholelwa ukuba inkqubo co-mali ye pension ze umhlalaphansi kwaye akakafiki ivele bonke abemi wadala ukunyusa zolondolozo PF. Kodwa ukuba kwakungekho, xa athe zeroed, ngokuqinisekileyo wadala abantu abalungileyo.

izithintelo

inkqubo pension co-mali sandisiwe, kodwa kukho imiqathango ethile. Ngenxa yoko, kuye kwafunyaniswa ukuba umhlala ukusebenza abayi kuba nako ukuthatha inxaxheba kuyo ngo-2017. URhulumente ukholelwa ukuba akhawunti yawo yomhlala phantsi, yaye ke uya kwandisa ngenxa yokwanda ye-inshorensi ezivela kubaqeshi. Kwaye ke ingeniso akukho mfuneko. Nendlela namanje umdla kuvela! Kungcono wenze imali kumhlalaphantsi, kodwa umsebenzi kulo bengakuphiwanga ukwenzeka! Kwakhona badumileyo linani elikhulu kujonge izinto, leyo kungakuhle ukuba porasprashivat abameli kwisebe basekuhlaleni PF. kwesithintelo ebalulekileyo - isixa top-up. Ngoko ke, lo ummi osebenzisa lo msebenzi osemqoka unokuba yenza unyaka ngamnye lodibaniso lwemali kwixesha iindidi ezimbini ukuya kwezilishumi elinesibini lamawaka.

Kwakutheni wasungula?

Kutheni kwagqitywa ukuba co-mali ye pension abalupheleko kwaye yashiywa ngabemi zeholide baya kuphila? Ngaphambili, ugxininiso iphambili kuwo inshorensi. Kodwa ke ngokuhamba kwexesha kwacaca ukuba isicwangciso eso awuvumeli ukuba sigcine umgangatho ophezulu wokuphila. Kukho ezinye iingxaki ngo-2014, xa inxalenye inshorensi ye pension ziye emkhenkceni. Ngoko, kwagqitywa ekubeni le ngxaki, nangona bobukho bayo ngezinga elikhulu zisafuna ukuqwalaselwa. Kodwa loo ndlela yenza kube lula ukuba bonke abemi ukunyusa ubungakanani umxholo wayo kwixesha elizayo. Kukho udidi lwabantu ekunjalo kubo zonke limnandi kakhulu. Ngoko ke, abantu ababezalelwe phambi 1967 yaye abazange bathathe inxaxheba lokusekwa inxalenye ezixhaswa ngemali, baya kufumana ithuba lokuba nempembelelo ubungakanani izibalo ezifunyenweyo. Oku kuya lula umhlalaphantsi wabo. Ukutyhubela abemi abaselula ukwabelana mali phakathi co-ngezimali kunye abekwe.

isiphelo

Thatha inxaxheba kweli phulo, kunye nabaqeshi zingadluliselwa kumntu ngumntu mali ahambelana. Oku kwenza kube lula ukuba kukunciphisa imali UST. Nangona kukho iinzuzo ezo zixhobo kunye nakwiinkampani yezoqoqosho ukunyaniseka ukuba usebenzise indlela efanayo, abaqeshi musa sukela ununtu ofuna ukuba kulunge abaqeshwa balo. Ngaloo ndlela, kuyenzeka ukuba kambisiseni xikombiso xa omnye iintsuku ezisibhozo, ngathi kunyaka ophelileyo. Emva koko abemi wathumela 7.1 billion engange, ngoxa imibutho zafumana ngaphantsi kwe-130 yezigidi. Kweli nqanaba, ngokutsho kwiingxelo ezenziwa ngamagosa karhulumente, le nkqubo wazuza ngaphezu kwezigidi ezisi-8. Man. Ngethuba semthethweni yayo, baya kutshintshelwa akhawunti zabo mane anantlanu kunye engange billion enesiqingatha. Noko ke, ukuthetha ngokuzithemba elizayo esingenamafu Nangoku kuyimfuneko. Njengoko waziwa, ngo-2014 e-Russian Federation kukho iingxaki ebonakalayo isicwangciso kwezoqoqosho. Ngoko ke, umzamo omkhulu sibhekiswe amagosa ukunciphisa isixa ezezimali ukuba kwinkqubo pension, kwaye lokubandakanya abemi kwinkqubo self-ukubunjwa imali yabo.