Inishuwarenzi uye mari chikamu mudyandigere - chikuru zvinoumba paruzhinji urongwa

Modern Russian mudyandigere hurongwa rinosanganisira imwe mhando nemari, izvo aumba kubva mushandirwi kutamiswa. Edza kunzwisisa zviri inishuwarenzi uye mari chikamu mudyandigere.

Ndizvo chikamu ramangwana-software

Inishuwarenzi uye mari chikamu mudyandigere ndiyo 22% of mari kuti mushandi mumwe nomumwe. Mari kuenda paumbwe yemberi mudyandigere, izvo zvinosanganisira inishuwarenzi uye mari zvinoriumba. Inishuwarenzi 16%, uye tinofanira kugara - 6%. Chikamu ehurumende inishuwarenzi inopedza pamusoro kubhadhara magetsi pensioners uye inorangarira ave kuita kubhadhara pensions kune pamudyandigere ramangwana. Inishuwarenzi uye mari chikamu mudyandigere ine zveminda zvose, rakashandurwa kuti basa kuti mushandi nyaya inokosha. nhoroondo nhamba iri pakadhi SNILS. Hurumende unobvumidza kuti vawande kuchengetera mari kuburikidza pakushandisa mari uye makambani.

The chikuru zvinoumba mudyandigere

Chimbofunga, chii kusiyana inishuwarenzi uye mari mudyandigere.

inishuwarenzi:

• Zviri 16%.
• It kunobva Kureba basa uye muhoro pamwero.
• Mudyandigere Fund rinowanikwa maererano nzira yemaitiro (quotient kuti mudyandigere guta panguva mudyandigere uye uwandu ramangwana kwemwedzi anotamisa; inowedzerwa mugumisiro akaisa hurumende zvishoma - pechingoro chikamu).
• Kurasa mari vanhu havagoni.
• Payment unoitwa pamwedzi vasvika zera nomurayiro (makore 55 okuberekwa - ari munhukadzi vemo uye makore 60 - murume).

mari:

• Zviri 6%.
• Zvinoenderana nenhanho mubayiro uye ouzivi pamwedzi kubhadhara.
• Munhu anogona kushandisa nayo - kune chero asiri ehurumende mudyandigere Fund, kana kuvimba utariri kambani, saka mberi kuwedzera kukura pensions dzavo.

How kuchengeta uye kuwedzera mari

Inishuwarenzi uye mari chikamu pensions vari yakaumbwa munyika yose urefu basa murume. Inishuwarenzi mari - ichi inosimbiswa mamiriro kuripwa mari, zvichienderana kureba basa, uye ari mari chinoumba chinosanganisira 6% kubva mushandirwi anotamisa kuti mudyandigere Fund kubva January 1, 2012.

Zvino ani kushanda munhu anogona kusarudza pfungwa dzinotevera kuti Kuraswa okuchengetera Software:

• Siya kuti hurumende mudyandigere Fund, titarisire pakuchengetedza utariri kambani.
• Kupa kupfuura chero basa boka, iyo mari chikamu usashandisa chichakurukurwa mudura rehurumende Fund, uye kusandura mari zvichava mudyandigere Fund, wakati dutu chibvumirano ne hurumende mari.
• Management tinofanira kugara mari akaita pasi zvakakwana kudzora private mudyandigere mari, umo kuchinjwa mari.

Mari chikamu mudyandigere uye inishuwarenzi - kwairayirwa zvinoumba yemberi mudyandigere. Munhu anogona kutarisira kwairayirwa urongwa pedyo akakodzera chisarudzo utariri pamusaka reserves.