Yintoni qhwa imali yomhlalaphantsi njengoko wenza esi sigqibo, nalapho ikhokelela

Yeha ke, Russian Federation lifumana ayikho mzuzu ilungileyo ikho. Oku kuchaphazela eziliqela izigqibo zikarhulumente. Apha, umzekelo, ixesha elide waqhubeka qa lokonga pension, kwaye, kuyabonakala ukuba, kuya kuba esebenzayo kakhulu ixesha elide. Yintoni na? ugogo uya yingqele Indlela yokonga umhlalaphantsi ngoku nakwixesha elizayo? Nendlela ezichaphazela ngayo thina?

Yintoni imali yomhlala phantsi

Ngaphambi kokuba siqwalasele izinto qhwa na imali yomhlala-phantsi, kubalulekile ukuchaza isigama. Enyanisweni, kuba imali yokwenene onokuyilahla ngayo umntu othile. Ixabiso yomhlalaphantsi elizayo lixhomekeke ngqo kwi kwinani kufakwa kwi- score oluqhelekileyo lomntu ngamnye. Njengoko le-inshorensi uye benikwa kuphela amanqaku ngoku kuxhomekeke ngqo kwi mali Pension Fund, sinokulindela ukuba bebonke baya kuba nako ukwenza umqamelo eyaneleyo imali xa uthatha umhlalaphantsi. Ukongeza, olu khetho, apho ihonjiswe ngokusemthethweni, ivumela ukwazi kwinqanaba elisondeleyo ntlawulo elizayo. Ukuba yonke into iguqulelwa-inshorensi pension, apho kuya kubakho phantse akunakwenzeka ukuba ukubala ukuba zingaphi aza enze iintlawulo elizayo esikude.

Yintoni qhwa imali zepenshini practice

Oku kuthetha ukuba imali eyayiza kufuneka ukuze aye icandelo mali iza kusetyenziselwa ukuhlawula le mali Russian Federation kunye nezifundo zalo. Umthetho on yovalo of imali yomhlalaphantsi saqala zokuphelisa ekwindla ka-2014. Njengoko ubona, imali encinane uzakufumana kwingxelo yomntu ngamnye, i ngaphantsi oko kuya kuzo kamva. Kodwa nangobubi (yaye, nangona kunjalo engaqhelekanga oko kunokubonakala kunzima, emandleni zokunxulumene sigqibo) ziya kucaciswa kamva. Ngoku makhe sithethe izinto eziphangiweyo njengesiseko esi sigqibo.

Yintoni eyayibangela ukuba esi sigqibo, kwaye uya kuba yintoni umphumo

Njengoko usazi, iRashiya ayikho kunyaka wokuqala iphantsi ukwayo. Uhlahlo yingxaki ebalulekileyo, yaye iindleko omnye umntu kufuneka iqwalaselwe. Ukuphendula lo mngeni kwaye uthabathe inxalenye ezixhaswa ngemali ye pension. Yintoni ulindele kweso sigqibo? Ubuncinane, ukuba uqoqosho luya kuba nako ukufumana malunga 800 billion engange. Ukuba imali yokonga akayi kuza emarikeni, wafuna ukwayo hit urhulumente kunye ibutho. Kungenjalo, baya kuba nako ukwenza njenge imeko shoka absorber.

Xa uyila umfanekiso opheleleyo, kufuneka ucinge yonke into ukususela ngo-2002. Ngapha koko, xa wadala amathuba ngendlela ehlanganisiweyo, abantu abaninzi bakhetha ingxowa-mali yomhlalaphantsi numbers, kwakunye neenkampani zolawulo zabucala ezahlukeneyo (leyo, Noko ke, akazange afumane ukwanda kakhulu). Ngenxa amanyathelo karhulumente ngoku ayiphelelanga lwekhredithi of trust, nto leyo eyenza kube nzima ukunxibelelana intsebenziswano sikhundla. Enyanisweni, phambi kokuba abemi ukutyala inxalenye inkxaso ye pension, wakwenza kwacaca ukuba bakholelwa ukuba imali yabo iya kusetyenziswa ukuze kungenelwe, bekuya kuba luncedo, kwaye ngenxa yokuba ulawulo uyakwazi ukufumana isiqulatho esongezelelweyo ebudaleni. Ngoku le nkoloseko inyamalala. Ngoko ke yintoni qhwa imali pension uyazi, kwaye, xa siqwalasela zonke ngokwemiqathango 'ongancedi lutho, "kwaye loo nto kunokuthiwa ngesigqibo ngabasemagunyeni?

okukhona

Ba elimnandi kakhulu, kuba sonke siyakuthanda ukuthetha ngezinto ezilungileyo. UPawulos, kufuneka azise ukuba uya kwakhiwa izinto zeziseko zentlalo (ezifana eziguqulweyo kunye nezikolo), izibonelelo yentlalontle eziyih- babathwalela ngaphandle amanye amanyathelo eluncedo kunye noluntu. Eli nyathelo liza kukuphepha iintlawulo ukubambezeleka karhulumente. YamaPolisa, abacimi, oogqirha, ootitshala baya kufumana umvuzo kwaye lenze imisebenzi yalo.

bendlela

Oko ngokwenene konke kuliwa hayi ngeendleko imali evela kurhulumente okanye ekuhlaleni mali, kodwa inxalenye eqhubekekayo kulondolozo pension yabo bonke abantu abasebenzayo. Kakade ke, lo mkhwa lwaqhutywa ngaphambili kumazwe amaninzi, yaye kakhulu ngempumelelo, kodwa umthetho, ezi amatyala elikwanti waya ukuxhasa icandelo yokwenene kuqoqosho. Oko kukuthi, isenzo akukho luncedo kakhulu kuqoqosho. Iimali ngaphambili zidluliselwe ukusuka mali yomhlalaphantsi, ngaphambili sityale imali eninzi. Kodwa xa neemarike zangaphandle zavalwa, ndaqalisa ukuba kwenzeka outflow of capital in isixa esikhulu. Njani oku kuchaphazela uzinzo meko?

Makhe sijonge umzekelo: iibhanki namhlanje labucala kunye noluntu boleka imali ngaphantsi kwiimarike stock. Ngoko ke, baya kuba nesimo sengqondo ukhetho ngakumbi kumaqumrhu emzimbeni kwaye esemthethweni kuya kufuneka ebuyile ngakumbi ukuthenga izinto (ukudala umtsalane kuthenga into) kunye nokufezekisa iiprojekthi ezintsha. Kwaye uya kunikwa, ndiyenze ibe ubhejo elikhulu kunokuba kunjalo ngoku. Athenge efrijini okanye TV ngetyala ngoku uya kubiza kakhulu kwiminyaka emithathu eyadlulayo. Kodwa kule nkqubo yezoqoqosho mihla ukwenza ngaphandle mboleko ezinzima. Ezi zinto zisebenza uhlobo 'steroid "kwicandelo loqoqosho - ekhula ngayo, kunye nayo, umvuzo kunye nentlalontle yabantu karhulumente.

Iingxaki ezivele kulo mzekelo,

Yintoni okuthethwa imali yomhlalaphantsi kunokwenzeka bucutheke? ingxaki nge abolekisa kucingwe, kodwa akukho yodwa. Enye, mhlawumbi nangaphezulu, oko kukuba ngenxa nokungasebenzi ukusetyenziswa kwemali sehlise izinga lwabemi bakuthembe abasemagunyeni, makhe sijonge umzekelo NPF.

Kokugcwaliswa lokonga umhlalaphantsi kwaye, ngenxa yoko, non-ekufunyanweni kwemali kuya kuchaphazela kakubi kwabo abemi ukuba ufuna ukusebenzisa iinkonzo zayo. Ngoko ke, ngo-2014, kwabhengezwa ukuba qhwa imali yomhlalaphantsi bekuya kuba nje ngoku. Kuye ixesha elide, kwaye siyakwazi ukubona ukuba esi sithembiso kubo washiya. Slukavila amandla watshintsha ingqondo yakhe. Ukuqaliswa izibonelelo ezitsha kwinqanaba asezantsi entembeko ivumela ukuba ukuthetha ngomnye watyholwa enkulu ngakwicala oluntu. Ngoko ke, ngaphambi kokuba abo wawusemncinane kwama 1967 p., Pension inkxaso bacelwa ukuba ukugcina imali yabo. Inani labo belisondliwa ubudala, amava emsebenzini kunye neminye imiba eyahlukeneyo. Ngoku sele ithathelwe indawo amanqaku. Ngaphambili, ummi wazi ukuba yinxalenye ye-inshorensi 10 amawaka, yaye ixhaswa - 5. Kukho ingxaki, kodwa ngenxa yokuba wayengekho kakuhle wachaza - kwakhona iphakamisa le urhano lokuba, nendlela.

Makhe ubuncinane yinxalenye yale nqaku siza ukuqonda inkqubo entsha. Isibakala sokuba enye indawo inikeza isixa esithile semali. Yilaa nto inkxalabo ebalulekileyo nje umthetho Russian Federation. Ngoko ke, masithi, ngenqaku elinye ngoku - oko ikhulu engange. Kodwa ngomso - ezilishumi kuphela. Ukusetyenziswa amanqaku ezithandwa kakhulu ehlabathini - ukuze imisebenzi enjalo, Switzerland, France kunye namanye amazwe amaninzi. Yiloo utshintsho zethu kuphela enguMongami apha ngoko isoyikeka kakhulu ukuba ikamva nethemba. Kodwa kukho nto - qhwa imali yomhlala phantsi. Izimvo abemi abaqhelekileyo angasibonisa ngale Isicombululo:

1. Ukunganeliseki kunye nemeko ngokubanzi bemicimbi.
2. Ukunqongophala inkxaso izigqibo ibe nempembelelo engentle kummandla we pension kunye nobukhulu bayo.

isiphelo

Ndicinga umbuzo ukuba owayevunyelwe enjalo imali yomhlala phantsi, kungekho ngaphezulu. Kulungile, ngoku sinako sicinge ukuba usukelo sifikelelwe. Abafundi bazi ukuba kukodwa inguquko pension.