Chii chibharo? Uye nei achifanira

Mumwe nomumwe wedu akambonzwa chimwe chinhu pamusoro pebhadha, chaiko? Kunze kwevanhu vose vanogona kugona kutsanangura kuti izwi iri rinorevei. Ngatitsvakei kuti zvikwereti chii. Iko kuzvipira nokuzvidira kweimba yavo kana chikamu chayo kune mumwe munhu. Panguva imwe chete, zvose zvinotengeswa pfuma zvinofanira kuchengetwa nenzira yakakodzera uye inobhadharwa munguva.

Kubhadhara hakusi kungova mari chete, asiwo mamwe maitiro ekuverengera, ayo anyorerwa mune kambani yebhadha. Izvi zvinogona kuva kutengwa kwemishonga, kusarura kana kukwana kwekuchengetedza imba, kuchengetedza mutengi anorwara, nezvimwewo.

Paunenge uchigadzira chikamu chebhadha, mamiriro ose nemitoro yevaviri mapato inoratidzwa. Pasi pemitemo yesangano rebhadha , iyo inzvimbo inova nzvimbo yomubhadhara, kana pakarepo mushure mekusainira, kana pane imwe nguva, iyo yakatarwa nevose mapato. Chibvumirano chinofanirwa kunyatsoratidza kuti nguva yakarei iyo yaimbova mumiririri achanyorwa ikoko, uye kuti achagara kwenguva yakareba sei mumba.

Chii chibharo nemhando dzayo? Zvinogona kugoverwa mumapoka matatu: upenyu hwose, husingaperi uye kuchengetedza kwenguva refu nevaya vanovimba. Izvo zvakasiyana muhukuru uye nguva yekubhadhara, muchimiro. Ndeipi renha inoramba iripo? Inobhadharwa kune vagari venyika kana masangano asina chekuita. Kuwana kworudzi urwu rwerenda inopfurikidza nehutano, kana nekuda kwekutsvaga.

Chii chinobhadhara upenyu? Uye yakasiyana sei nekugara nguva dzose? Inogona kugamuchirwa chete nevanhu. Rudzi urwu harwugoni kuendeswa nefa, maererano nekuti chikwereti chakamanikidzwa kune annuities chinoguma pazuva apo rufu rwekutsvaga mari inosvika. Kukuvadza kana kuparadzwa kweimba yakadzingwa pasi pegvumirano haisununguri mubhadhari kubva kune zvaisungirwa kuita kubhadhara mari inoshandiswa.

Lifetime annuity nekutarisa zvinoreva kuti rentee inoshandura pfuma yake iri muimba yevaripo, iyo inobvumirana kuti iite zvido zvehupenyu hwose pamwe chete.

Chibvumirano cherenda chinofanira kubvumirwa neanotari uye inofanira kunyoreswa maererano nezvinoitika.

Kusvika iye zvino, kazhinji kacho renhare yeimba. Iye zvino, maguta makuru ane masangano anotarisana nekutengesa kwakadaro. Kazhinji danho rakadaro rinotorwa nevakwegura, vakasurukirwa kana vakanganwa hama dzinongova vasina mari yakakwana yekurarama.

Chinhu chisingafadzi chekutengeserana kwakadaro kazhinji ndeyekuti vashandi vehurumende nevatengi havasi kuzivisa gullible pensioner pamusoro pehukuru hwechokwadi hwerenda. Mashoko okuti "Mazuva mashanu (uye dzimwe nguva maviri) mubhadharo" anoremekedzwa nemunhu akwegura se "makumi mashanu zvina zvuru zvina", kunyange zvazvo chaizvoizvo izvi zvinoreva katatu zana rubles rimwe nerimwe.

Pasinei nokuti izvozvi zviri pachena kuti hazvina kururama, mutongi wemitemo weRussia MROT (4330 rubles) haabvumiri zvikwereti kune zvibvumirano. Pasinei nokuti ikozvino mutemo wekusimudzira kwemamiriro ezvinhu uyu wakagamuchirwa mukutanga kuverenga, hauna kupfuurira mberi. Nokudaro, vanhu vekare vakatamisa pfuma yavo kune imwe nzvimbo, panzvimbo yezvakatarisirwa zviuru masere rubles, vachagamuchira mazana maviri.

Kugumisa kana kubvisa chikwereti chakadai chakadai kunowanikwa munyaya yedare, asi zvakaoma zvikuru kuita kudaro. Mareji anokodzera uye akabhadharwa anozodiwa kuti aratidze kutadza kwemutemo kwekutengesa.

Iye zvino unoziva kuti chidimbu chii, uye zviri kwauri kuti usarudze kana uchinyora kana kwete.