Kunyoresa penisheni penherensi ndiyo chivimbo chekukwegura

Inyanzvi yehupfenyuro yveshuwarisi inosanganisira mapoka ose evanhu vanogara muRussia. Munhu wese anobata basa muRussia Federation ane nhoroondo yega yega, apo mushandi anofanirwa kuendesa mari yemishandiro yemainishuwarenzi, ayo munguva yemberi ichaumba hwaro hwepensheni yebasa. Mukuwedzera kune inishuwarensi chikamu, kunewo chikamu chinowedzera chepenheni, iyo inotungamirirwa iyo inotamirwa kuHurumende Management Company, iyo nhengo huru iyo Vnesheconombank. I Pension Fund inotumira mari chaiyo imomo, kana chizvarwa chisina kuzvisarudzira imwe, isina hurumende, Management Company.

Nzira ye pension penishuwarenzi muRussian Federation inowanikwa mumhando mbiri: inomiridzirwa penherensi yepensheni uye yakawedzerwa. Rudzi rwekutanga rwe inshuwarisi runopiwa nehurumende uye runosanganisira mitemo yakasiyana-siyana yepamutemo inotsigira kubhadhara kumunhu akachengetwa mukana wekurashikirwa kwemari, apo nguva yemainshuwarisi inouya, iyo ndiyo nguva inouya yekusunungurwa, kana nokuda kwechimwe chikonzero kana chimwe, munhu anopiwa boka rekuremara, kana kuti kurasikirwa kwomunhu anotora zvokudya .

Mvumo yepensheni yepensheni ndeyekuita maitiro akawanda umo mapoka matatu anobata pamwe chete. Inoitwa nevatsigiri vehurumende vanoita mumunhu wePensheni Fund yeRussian Federation, uyewo kwete mari yepensheni mari. Inoparidzirwawo nevatungamiri vemazano vanobhadhara mari yemari. Izvi zvinosanganisira makambani uye mabhizinesi, pamwe chete nevadzidzisi vemabhizimisi uye vamwe vanhu, urongwa hwezvakagadzwa nemutemo uripo. Uye, pakupedzisira, kubhadhara mari yehutano inshuwarheni haigoneki kunze kwevanhu vechipupuriro ivo pachavo, kureva, vagari veRussia Federation.

Pension reform muRussia inopfuurira. Chinokosha chaicho chiri muchokwadi chokuti munhu wese akashanda, akaberekwa asati apfuura 1968, iye zvino nhasi anogona kuzvidzivirira pachake mari yekukwegura. Uye zvinowanzoitika nyore nyore uye zvisingaoneki, nokuti 6% chete yemari inowanikwa inobatanidzwa mune chikamu chinobhadhara mari yepenheni . Kunyange zvakadaro, penisheni inshuwarisi inongova imwe yemisoro inopisa inokurukurwa munzanga. Izvi zvinokonzerwa nekuti penishuwarenzi yehurumende muRussian Federation inobvumira munhu, apo achitaura chido chekuwedzera mari yakaendeswa mune chikamu chekubhadhara mari yepenheni. Izvi zvinoita kuti zvikwanise kuwana mari inonakidza yekurenda munguva yemberi. Icho chinopera kuti iyo iponi yemari iyo inzira yakatendeka yekuchengeta mari. Uyezve, mari iyi haigoni kubviswa nenzira ipi zvayo, kunyange kana iyo muridzi weiyo yakavharwa pane chimwe chikonzero.

Inishuwarenzi yekuchengetedza mari yepensheni inyaya inokosha mumabasa emari emabhangi. Inishuwarenzi inotakura huwandu hwemhosva dzakapiwa nemutemo. Semuenzaniso, vanobatanidza kukanganisa kunogona kuitika nemari yekutsvaga maererano nekurasika kwebasa kana kutanga kwekuremara kwenguva pfupi. Muchiitiko ichi, kambani yeInishuwarenzi inotora mutsara nemaoko ayo uye inopa mupiro. Nokudaro, hapana maitiro ekugadzirisa mafomu. Izvozvi mamiriro ezvinhu anoshandiswa pakundikana kwebhangi. Dzimba dzinomanikidzwa kudzorerwa panguva yakatarwa, kunyange kana kambani yezvemari yakaparadzwa.

Zvose zvinotaurwa pamusoro apa zvakagadzirirwa kugadzirisa dambudziko rehupfumi hwehupfumi hwevanhu. Munhu wose anoziva kusakoshesa kwekukwereta kwekuti vamwe vatapi venhau vanogashira ndeyekusaziva. Chizvarwa chemazuva ano chine tariro yokuti kuchinja kwepenheni kuchavabvumira kutungamirira mararamiro akanaka munguva yekwegura.