Pension Fund "Imvume": ncomo umthengi, yaye lo msebenzi kwezomthetho

Abantu abaninzi bazama ukuba anyamekele kwikamva labo, yaye ukuba umntu engonelisekanga yindlela oku urhulumente ayenzayo, ukuba nangaliphi na ixesha ukuba ikamva lawo ezandleni zabo baze lokukhusela ikamva akakhathazeki. Kungenxa yesi sizathu ukuba kwiminyaka yakutshanje kuye iinkonzo engxamisekileyo enika abaxhasi bayo "Imvume" Pension Fund. ukubuyekeza kuMthengi umthombo eyintloko ukuze ufumane iinkcukacha ezininzi ezibalulekileyo malunga nendlela asebenza ngayo umbutho kunye nokuba ngaba oko uzalisekisa izibophelelo zalo.

Kweli nqaku siza kukhangela apho iinkonzo zibonelelwa kule nkampani njengento umsebenzi wakhe nokuba abathengi bakhe ucinga.

operatives

inshorensi pension olugunyazisiweyo yinkqubo apho urhulumente abachaphazeleka ngqo kulo lokusekwa umthombo-mali ye pension kubemi balo. Ngelo xesha abo bantu bakhuselwe operatives, ongathi uthunyelwe abantu inshorensi, yaye kwimeko yesiganeko benefits, ezifana ukukhubazeka okanye nje ukuphumeza iminyaka efanelekileyo, ngokubonelela iinzuzo eminye abemi benza kwi Pension Fund "Imvume". Customer ingxelo icebisa ukuba ingxowa-mali okwangoku ngokusisiseko ingangqubani izibophelelo zayo, nangona abanye abantu baye iingxaki ezithile.

Ngoobani na-inshorensi?

Kulo mzekelo, i oKhuselweyo ngummi Russian Federation okanye umntu ohlala okwethutyana kummandla we-Russian Federation ukuba:

• Esebenza kulo ngokungqinelana yabasebenzi yaqulunqwa okanye isivumelwano yoluntu;
• It has umsebenzi software ngokuzimeleyo (igqwetha, izivumelwano, umlimi okanye usomashishini);
• ukusebenza ngaphandle kweli lizwe, kodwa gqolo ihlawula iipremiyamu-mali.

Ukuba umntu ngokwenene inshorensi, ufanele asondeze isatifikethi ehambelana, leyo nespelete data wakhe, kwakunye nenombolo-inshorensi ngamnye. Imbambano isiqinisekiso inshorensi lwenziwa emva kokuba isibheno kwi Pension Fund, okanye kwimeko yengqesho yokuqala. Ukuza kuthi ga ngoku, ngaphezulu kwezigidi-100 abantu eRussia Abantu abaKhuselwe ngeInshorensi.

inshorensi

Kakade ke, lo adiministratorom lubalaseleyo kulo mzekelo i Russian Pension Fund, nto leyo ulawula yonke imali yomhlalaphantsi. Kodwa enyanisweni, kuhambisana kule fund njengoko insurer nazo ukwenza imali yomhlalaphantsi non-karhulumente okanye kwiinkampani oLawulo, kodwa kuphela ukuyilwa kwento ekuthiwa-yomhlalaphantsi inkxaso. I-inshorensi ibandakanyeka beqokelela yokupasa-inshorensi evela abantu inshorensi yaye kwangaxeshanye benza ezi mali ngokusebenzisa kwiinkampani ezizodwa ulawulo investment.

Umntu inshorensi ngubani kuwonke yomhlala yegalelo uyakwazi ukukhetha i-inshorensi eza kulawula mali, yaye abaninzi bakhetha i Pension Fund "Imvume". Reviews Customer ibhiyozelwa kuphela iintlawulo ezizinzileyo kunye ukhulo lwenkunzi, kodwa ngenkonzo yobungcali elinika inkxaso kumntu ngamnye.

cofinancing

Ukungqinelana nomthetho esebenzayo ukususela ngo-2009, ukuqhuba inkqubo co-mali ye pension lokwandisa capital kwi Russian Federation. Ngenxa oku, abemi banethuba elilelabo ukwandisa kakhulu umhlala-phantsi wabo kwixesha elizayo, eyenza imvumelwano umbutho ezifana kwi Pension Fund "Imvume". ncomo Customer badla uqaphele le nkonzo, njengoko ikuvumela ukuba ngaxeshanye ukufumana iintlawulo kwi-mali yomhlalaphantsi karhulumente kunye non-karhulumente.

Ngokuhambelana kunye nale nkqubo, naliphi na ummi unelungelo sokutshintshela iminikelo ngamnye ukuya inxalenye inkxaso. Ukuba ngaba uthatha inxaxheba kule program, unalo ithuba lokuba ukwandisa kakhulu imihlaba inxalenye inkxaso ye pension elizayo. Kubalulekile ukuqaphela ukuba yonke iminikelo ezongezelelweyo ziya kabini kule minyaka-10 ezayo, kodwa imeko kuphela kule meko ukuqaliswa akukho ngaphantsi kwama 2,000 engange ngonyaka. Kwakhona, kukho omnye nje kuphela - a eyongeziweyo inokuba akukho ngaphezu kwama-12 000 engange ngonyaka ngamnye. Kulo mba, ubuninzi kunokwenzeka ulungiso ukuba inxalenye inkxaso ye pension evela kuRhulumente engange-120 000.

Ngokuhambelana nomthetho federal Umhla wokuvalwa kokwamkelwa kwezicelo obephethe kunye ekuqaleni kuka-2015.

Ukusebenza kwemali non-karhulumente

fund Pension "Imvume" Kwakhona ikuvumela ukuba bathathe inxaxheba kule mali ngokuzithandela, nto leyo evumela ukuba ukwandisa kakhulu inxalenye iyonke ezongezelekayo ye pension, esebenzisa kuphela ukwanda karhulumente, kodwa ingeniso ngenxa yokutyala iimali, nto leyo eya kuba rhoqo wabafungisa-mali kwi-akhawunti yakho.

Abathengi badla ukubuza malunga nokuba le nkqubo ziyafumaneka kwabo umhlalaphansi ingasebenzi okanye esebenza mzuzu. Ngokuhambelana kunye notshintsho kumthetho lwangoku urhulumente uza kujongana iminikelo co-mali kuphela ezo nxaxheba abangakhange ngaphambili wafumana pension nge Pension Fund ka-Russia, kodwa lo mgaqo aluchaphazeli abantu abeza kwiprogram phambi kokuqalisa Oktobha 2014.

Ziziphi iingenelo le nkonzo?

• iminikelo eyenziwa iza kuqhubeka ikhula ngokuhamba kwexesha;
• ekugqibeleni ungafumana ukwanda kakhulu, abalungileyo kakhulu kwi pension yabo;
• ufumana ingeniso yotyalo ngcembe, ebonelela ukuba ingxowa-mali yomhlalaphantsi a non-karhulumente 'Imvume';
• Akukho izithintelo njengoko oko kusenokuba ubukhulu nokhunye;
• ixesha kunye nemali umrhumo, kwakunye nemihla inxaxheba kwakho kule program, uyakwazi ukuchaza ngokupheleleyo ngokuzimeleyo;
• kuyenzeka ukuba ufumane kutsalwe irhafu ekhethekileyo mali ngamnye ukuba uya kwenza inxenye yenu numbers ye pension ngaphakathi kwinkqubo;
• iimali ezingasetyenziswanga kungenziwa ilifa le assignees omabini ngexesha yokugcina nasemva kokuba uMntu oKhuselwe ngeInshorensi umhlala-phantsi.

Indlela ezinokubanceda fund?

Ingxelo evela abathengi akunakwenzeka ukuba ukujonga kwamanani, indlela kakuhle i "Imvume" Pension Fund Non-State. Izimvo amagqwetha - yinto eyahlukileyo, njengoko kocazululo ngenyameko iinkampani namhlanje aba bantu, kwaye kwakhona kuphazamisana nawo zonke iintlobo izilingo.

Kuqala kubalulekile ukukhumbula ukuba i-arhente rating "Expert RA" enikezele inkampani umgangatho ophezulu kakhulu kukuthembeka ukuba sele sithetha ngalo igama elihle inkampani kwimarike ye-inshorensi.

mali zabucala okanye urhulumente?

Kuqala kubalulekile ukukhumbula ukuba nenzuzo ezingasetyenziswanga inkampani, lingana 30,55% kule minyaka mithathu idluleyo. Eli nani mkhulu kakhulu loo nto iqatshelwe kwinkampani yolawulo karhulumente, ekubeni ngexesha elifanayo isivuno yakhona yi% 15,95 kuphela ngokuhambelana ipotfoliyo izibambiso kunye 19,68% ngokungqinelana ipotifoliyo yotyalo-mali eyandisiweyo.

9,84% ngonyaka ngamnye kule nkampani lifumana evela kutyalo-mali yomhlala-phantsi, esongeza-akhawunti iinkonzo zabo. Ngelo xesha 11,44% - oku inzuzo, leyo sele ithunyelwe kwi akhawunti ezahlukeneyo yomhlala ekupheleni kuka-2013. Kubalulekile ukuphawula ukuba ngelo xesha wayengomnye liphezulu phakathi zonke iinkampani asebenza kulo mhlaba. Ngelo xesha ngo-2012 isivuno yaba 12.7% kwaye imele izinga eliphezulu phakathi yonke imibutho efanayo.

Ukuba ezihlangwini inkqubo ne fund equity isebenzisa ziganeko esebenzayo ukuvumela ukunika umgangatho ophakamileyo wenkonzo, kwakunye eliphezulu, yaye kwangaxeshanye izalathi inzuzo ezinzileyo imali mali yomhlala phantsi, nto leyo yanceda ukuba ukujikelezisa ukunyaniseka nokuthembeka evela kubaxhasi indlela i "Imvume" Fund pension Non-State. Izimvo baqondisimthetho bathi na kwisimangalo nale yombutho umyalelo ziwe ngaphantsi xa kuthelekiswa namanye amaziko amaninzi zemali.

Njengoko iintlawulo zenziwa?

Abaxhasi banikwa ithuba lokufumana umhlala-phantsi xa umcimbi sele ifikelele umhlala-phantsi, kodwa ngaphandle koko ikwabonelela ngentlawulo inxalenye ezixhaswa ngemali ye pension phambi osikiweyo elinikiweyo. Phantsi kolu didi kuwa ngabemi ukumelana neentlobo ezinobungozi yemveliso, okanye abo bahlala kwimozulu ngokwanelisayo ngqwabalala. Ngoko nangoko kufanele kuphawulwe ukuba lona uluhlu kulawulwa ngumthetho esebenzayo, ngoko umele uyifunde phambi ukubukela kwanolungiso kujonge izinto ezahlukeneyo.

Ukubonelela ngexesha elinye-kuhlawulwe yonke imali accumulated kunokwenzeka kwezi meko zilandelayo:

• umntu ufumana umhlala-phantsi ngenxa yokulahlekelwa umondli okanye abakhubazekileyo;
• It ifumana zepenshini ngokungqinelana kunye namalungiselelo pension karhulumente, kodwa akukho inkcazo ilungelo yobudala yomhlala endala umhlalaphantsi ngenxa yokuba akukho xesha inshorensi efunekayo;
• lilonke lobungakanani yakhona inxalenye pension ifikelela-5% yemali iyonke ye pension yobudala.

intlawulo ekhawulezileyo emva kweminyaka engaphantsi kwe 10 kunokwenzeka ukuba umntu olilungu inkqubo pension co-mali kwaye ngexesha elinye imali yazo yomhlala phantsi zawuyilayo siyabulela kuye inxaxheba kule program (ngamanye amagama, ukuba benze igalelo inshorensi olongezelelweyo inxalenye ngemali). Kwakhona kwimeko zokuqokelelwa kobutyebi akhiwa ukusetyenziswa eyinkunzi losapho okanye inxalenye ethile yalo, uya kubonelela iintlawulo ezingxamisekileyo "Imvume" Non-State Pension Fund. Nokuba ukuba ujoyine uhlelo kwiimeko ezinjalo - yinto lokuzikhethela zomntu ngamnye, njengoko uninzi iimeko data zamkelekile kakhulu, lo gama abanye neze ezifanelekileyo.

Indlela yokwenza intlawulo?

Pensions zavunyelwa ekuqaleni kwenziwe ngqo kwi-ofisi eyintloko, apho ibekwe phezu Leningradsky Prospekt e Moscow, kodwa abo bantu bangakwaziyo ukwenza oku, kukho ngokuthumela isicelo ngeposi okanye nge-terminal yomhlalaphantsi ahambelanayo, lexi kumekaka, ukuba uya kwi website , eyeye "Imvume" Fund pension Non-State. Nokuba okanye ngangenini kwimeko enjalo - ukhetho yakho nje, kuba sonke iingcinga ezahlukeneyo malunga nomgangatho wenkonzo.

Ngoko nangoko ke kubalulekile ukuqaphela into yokuba uyakwazi kukukhawulezisa kakhulu nenkqubo processing jikelele xa kunokwenzeka ukuba wenza pre-umnxeba kwi nkampani. Ngaloo ndlela, uya kuba nako ukufaka-thethwano malunga bokuqonda ezahlukeneyo isicelo, kwakunye nexesha komntwana wabo.

Ziziphi iingenelo zokusebenza kunye nale ngxowa-mali?

Kakade ke, abantu basoloko becinga okuninzi, kwaye nokuba oko kuyimfuneko ukusebenza NPF "Imvume". Umntu unalo mkhwa akabathembi naziphi na amaziko ezemali, ngoxa abanye bazimisele ukutyala inkampani enjalo, kodwa ke ngelo xesha kwamathandabuzo izinto kanye ukuba ukhethe esihle. Yiyo loo nto kubalulekile ukuqwalasela ukuba izibonelelo ezimbalwa zokusebenza kunye Fund.

inzuzo

Kakade ke, inzuzo ye-NPF "Imvume" iya kuxhomekeka ngqo kwi-mali iyonke yomhlalaphantsi ikamva lakho. Nokuba umahluko walo ekhulwini ezimbalwa kuphela ngonyaka kangangeminyaka eli-20-30 uya kukwazi ukunyusa ipension yayo ngaphezu kabini. Ngokutsho iziphumo kwiminyaka emithathu edlulileyo, inzuzo kule mbutho 30,55%, nto leyo yoko kakhulu, elungileyo kakhulu, ngakumbi xa kuthelekiswa ne impumelelo neminye imibutho.

Wonke umntu uyaqonda ukuba into embi enokwenzeka-mali kunye nazo zonke zabathengi - kukunqongophala ukukhula lokonga, kodwa nokuqhuba amanani kude lubonisa ukuba NPF "Imvume" akukho umnwe, ngoko phakathi nababhali review phantse akukho bantu abanqwenela ukuba kumiswe isivumelwano.

Le nkampani uzama ukusondela ngenyameko ukhetho kwiindawo utyalo ukwenzela ukunika abathengi zayo ngoko ngokwabo ingeniso kunokwenzeka kakhulu. Akukho imfihlelo ukuba iimali zikarhulumente mihla amaqela ezizodwa zemali-mveliso, apho utyalo-mali zenziwa kwi iimfuno zeenkampani ezinjalo kunokuba kubatyali-mali. Ngelo xesha, iqela lolawulo kunye sihlalo weBhodi Evgeny Dobrovolsky (NPF "Imvume") kuba ngokunxulumene izakhiwo ezinjalo, ngoko zama ukutyala imali kwi umdla eqhelekileyo nabathengi.

Ngenxa yamava amaninzi zolawulo, kwakunye nokuqonda oluneenkcukacha kwiinkalo zabo, iingcali khetha zawo ezingqongileyo kakhulu utyalo-mali, njengoko oko kungqinwa kwinqanaba gqolo ophezulu inzuzo lombutho kuthelekiswa abadlali.

lula

Ukusebenza kule nkampani, nokuba ingxelo zabathengi, ukhululekile kakhulu, yaye ngaphezu kwako konke, inkonzo abaninzi onoxanduva zobungcali. Ngokulula ukubiza okanye ukubhala ileta kubaphathi waqala ukusingatha umbuzo wakho. Abaseki NPF "Imvume" esoloko ukuzama ukuqinisekisa ukuba le nkampani iye yanika inkonzo iphezulu umgangatho nokwandisa inzuzo. kwiingcali Ukuba uza kuba umxhasi kule nkampani, ngoko nangoko ukuthatha naziphi iinkxalabo malunga ngekamva lakho kakuhle-ntle, ngelo ulawulo ngexesha elifanayo zabo kuthetha ukuba ungakwazi ngokusebenzisa ifowuni okanye terminal yomhlalaphantsi ezizodwa.

Amasebe NPF "Imvume" ibekwe kulo lonke elo lizwe, yenjenjalo ukuza ufumane iingcebiso okanye abe umthengi yenkampani kuba nabani na, nokuba indawo yakhe yokuhlala. Kwanaloo nto ngenxa yenzuzo abaninzi kakhulu ebalulekileyo.

ukuthembeka

Kakade ke, eli nani yeyona umdla abaninzi abemi mihla abanomdla neminikelo evela kumbutho "Imvume". Pension Fund, isikali kuzo namhlanje enye kakhulu phakathi kwemibutho ezifanayo, lisebenza ukusukela ngo-1994 kwaye igcina isidima sayo njenge isakhiwo zemali ezithembekileyo ngokwenene, nto leyo kakhulu kunikwa ngempumelelo iinkonzo ezinxulumene ulungiselelo pension yabucala ezahlukeneyo leenkampani. Njengoko 06.15.15 imali iyonke imali yomhlalaphantsi entlanganweni ifikelela engange-21 ezigidi.

Kwakhona JSC "Pension Fund Imvume" liye capital share, imali leyo engange million 150.

Zonke iimali zomhlala aqinisekisiwe. Kwi i "Imvume" namhlanje iqukiwe kwirejista kwemali yomhlala-phantsi karhulumente kunye mali yomhlalaphantsi yabucala. Isivumelwano ukuba usayine le nkampani, le inshorensi ngurhulumente, njengoko inkampani ulilungu le nkqubo yokuqinisekisa amalungelo zomntu ngamnye inshorensi.

ukurhoxiswa ilayisensi

Kubalulekile ukuphawula ukuba abantu abaninzi bazive ukuba umsebenzi we-mali kwayekwa ngokusesikweni, kodwa enyanisweni akunjalo. NPF "Imvume" mvume ukubuyisa ngokuzithandela, njengoko ulawulo wagqiba ukuba uphuhliso zombini mali ezimbini bekungalunganga. Sakuba sirhoxisiwe yale mvume equity fund yegama lwaqalisa ukusebenza njengesiqhelo. Yena zonke izibophelelo kunye namalungelo ezinxulumene ne-inshorensi pension enyanzelekileyo ziye zidluliselwe ukusuka APF, yaye xa nabani kwagqitywa lokuphelisa isivumelwano.