Ndinoziva sei zvinyorwa wangu inishuwarenzi? Chii nguva inishuwarenzi, uye kuti chinosanganisira? Kukarukureta rweinishuwarenzi

MuRussia, vose refu wakajaira wokuti "mudyandigere kuchinja" Mumakore achangopfuura, anenge ose gore hurumende inoita vamwe kuchinja kuti mutemo. Vagari haana nguva kutevera zvose transformations, asi nekuti ruzivo munzvimbo iyi kudiwa, pakupedzisira, mumwe mugari anomanikidzwa vanonetseka nezvokuti sei kutsvaka inishuwarenzi wako uye pamudyandigere nyaya.

Nyaya

Sezvaari tsanangudzo iyi nokuda kuenderera kuchinja yakatanga kufamba muna 1996. Kubvira ipapo, zvishoma nezvishoma kuenda kumisa munhu kunyoresa vagari vari zvavo mudyandigere hurongwa. Mumwe wevakuru rokuvakazve ndiyo nguva inishuwarenzi. FL pamusoro 01.04.1996 uye 16.07.1999 №165 kududzira siyana pamusoro pfungwa iyi, inova nei paine kupikisana.

mutemo wekutanga havana kutaura basa basa, wechipiri ane kunyatsoenderana Pfungwa, asi inosiya mibvunzo yakawanda pamusoro chii chiitiko inishuwarenzi chaizvoizvo. The kuzvipokanidza tsanangudzo achibvumira kuti kunyange nenguva apo vanhu vasiri pamutemo kushanda, uye anotamisa yakanga asiri PF.

tsananguro

Inishuwarenzi nguva - a yaipedzerwa nguva nenguva pamusoro mugari basa pamusoro hwose, panguva iyo premiums vanobhadharwa vanogara pedyo mushandirwi kana entrepreneur. Mukuwedzera, pano Panewo, kana mari inodiwa vaisagona kuva:

• kutarisira mwana kusvika mumwe uye makore nehafu;
• kuwana pamusoro Stock Exchange, nezvidhakwa chinzvimbo ari rovha;
• atarisire munhu akaremara kana munhu mukuru kupfuura makore 80;
• kubatanidzwa nevamwe, vakabhadhara nenzira chaiyo;
• richirarama kunze kwenyika vakaroorana kuti vamiriri.

Kukarukureta rweinishuwarenzi kunoenderana zvinoverengeka on: ya basa mumakore, uye inobudisa kushanda ezvinhu :. Ngozi, rinorema, okunze uye dzimwe mhosva reshiyo kungopa uye chinokosha makore basa yakasiyana, dzimwe nguva zvakaoma chaizvo pasina nenyanzvi rubatsiro nomutemo kunzwisisa kupatsanura munhu basa.

Ndoupi musiyano kubva basa

Chii nguva inishuwarenzi, kunzwisisa nyore chaizvo kana isu tiswedere ane muenzaniso zvavaisiita kwatiri okuti "mudyandigere mudyandigere", muna 2015, iye akawira kunze kushandiswa, uye rinoshanda chete vanhu vane mabasa yaitwa Masvomhu kusvikira 2002. Kubvira 2003, kubhadhara zvose zvichabviswa dzaona kubva premiums.

Kuongorora kushandiswa chaiyo mudyandigere coefficients uye pfungwa, uye vachaitwa aongorora nerimwe gore papepa rakasiyana nerine.

Ndiani kodzera kugamuchira

Hatina kwakamboitika echimurenga kuchinja nzira zvikunde pensions kuti vagari Russian. Vakaronga hurumende chiito kuwedzera zera racho chokuwana munzanga kuchengeteka kubva hurumende haisati kugamuchirwa, kunyange pane chinoshingaira kukura bhiri iri.

Saka, muna 2017 kuti vawane nokuda kwaari mudyandigere mudyandigere anogona vakadzi zvasvika makore 55 okuberekwa, uye varume 60. Vaya vari kare pedyo zera ichi, unofanira kukurumidza kuedza kuongorora zvizere mashoko ose pamusoro sei kuwana nhoroondo yako inishuwarenzi . Uyezve, kubva 2015, hurumende akazivisa zvishoma nezvishoma yakawedzera nguva yokushanda basa chavagari, zvichaitika zvishoma nezvishoma, kusvikira zvasvika makore 15.

huripo mhando

The kupatsanura kunobva basa generating quantitative uye Qualitative maitiro basa, apo pakutanga - dzose nguva, apo paiva mhosva, pasinei basa, uye wechipiri zvinoratidza peculiarities okuwana.

1. zvachose nguva The inishuwarenzi - zvachose nguva basa, panguva iyo chikamu yacho redirected kuna mudyandigere Fund kweRussia. Kuwedzera kune chakaipa nguva basa, pano vanobatanidzwa uye dzimwe nguva vakaziva nomurayiro, anogona kutarisira mwana kusvika makore matatu, kana kuti ndima rechiuto.
2. Professional ruzivo inishuwarenzi - kuti zvachose ya basa chokuita rinorema kana ngozi mamiriro kubasa kana zvisingafadzi. ekunze.

Zvinofanira pakuverenga yekare-zera mudyandigere zvakaoma kunzwisisa uninitiated, asi nhungamiro Masvomhu mufaro wavo ramangwana vanofanira kunzwisisa ose mugari. Kunyanya zvino kuti akatsunga mubvunzo sei kuziva zvakaitika wako inishuwarenzi. Izvi zvinogona kuitwa panguva munharaunda bazi PF, uyewo pamusoro pamutemo Website yacho sangano.

Features misha

Future munzanga kunobatsirei vokuRussia vanonzi vakaumba munyika rokubva mudyandigere zvirongwa. Nzira kuti kuverenga pamusoro inishuwarenzi iri nemutemo yeUnited kubva 17.12.2001 №173-FL (Zvak. On 11.19.2015). Kubhadhara vanotumirwa uye kuitwa muchimiro nokukurumidza, mumwe-nguva kana mari mudyandigere.

Kukarukureta pakati pensionable basa akaita pachishandiswa pakarenda tsika, panyaya nguva sezvineiwo, ari mugari ane kodzero yokusarudza mumwe wavo. mari ose akashandurirwa zvakananga pfungwa, nhamba yavo kunobva pamwedzi kubhadhara pedyo basa kuti mudyandigere Fund. tsika ava mamiriro ose gore, maererano maindex aripo mitengo. Uyezve, pasi ezvinhu nokushandisa kuti mudyandigere haisi nguva, uye gare gare, kukura inishuwarenzi pfungwa kuchawedzera yekudyidzana.

Nokuti avo kupa mubayiro wavo, izvo zvingave nhengo mapurazi, uyewo vamiririri diki vanhu kweSiberia, kuti nguva basa raida vari dzaona pamusoro ezvinhu kuti vanoita dzose chikamu zvakaoma dzavo mudyandigere Fund of Russian Federation. Patasvika inoshandawo mumwe Entrepreneurs.

Nhoroondo haisi inishuwarenzi nguva

The mitemo inopa kuti aakatipa nyaya umo munhu akanga asingakwanisi kuita kugara mipiro mari chikonzero chakanaka. Nokuti vanhu vakadaro nehurumende raratidza yayo hurongwa kukarukureta rweinishuwarenzi pfungwa:

• -Gore rimwe muchiuto - 1.8;
• atarisire munhu akaremara, munhu mukuru kupfuura makore 80 - 1.8;
• maternity siya nemwana wavo wokutanga - 1.8;
• chechipiri - 3.6;
• wechitatu uye chechina - 5.4.

Uye panguva kudzidzisa mwana wechishanu iri zvachose ruzivo hakuchisina iripowo. Vakazvimiririra kuti Masvomhu zvose nyore, nokuti vanhu vazhinji, mubvunzo unomuka, unoziva sei ruzivo rako inishuwarenzi. Nhasi zvinogona kuitwa pasina kunyange pamba, PF Russia inoshanda ine Hotline kumativi wachi, uyewo zvose mashoko iri yavo yepamutemo Website.

Unoziva sei ruzivo rwako

Data izvi ungada kwete kupinda zvakakodzera zororo chete, asiwo dzemaitirwe pamusoro ngavabude kurwara. Nokuti mumwe nomumwe Mapato aya ane yayo kuverengwa hurongwa. Ukuru kwekanguva urema kunobva chichiitwa-nguva :

• kubva 6 mwedzi 5 makore - mushandi ari akabhadhara 60% kuti muhoro;
• kubvira 5 kusvika 8 makore - 80%;
• Makore anopfuura 8 kare 100%.

Matambudziko angamuka kana achisimbisa kurasikirwa gwaro zvisiri recordation kana ayo vasipo. Asi kunyange kunzwisisa kana zvakadaro, unogona kudzivirira kodzero dzavo, kusimbisa kutukwa mashoko vanofanira kupa basa zvibvumirano, zvitupa basa, atakatora mirairo uye nhoroondo, iro rinotaura muhoro.

Mashoko akarurama kupfuura pamusoro sei kuwana uchinyora inishuwarenzi, unogona kuwana panguva menyu dhipatimendi PF. Asi ikozvino pane nyore nezvechisarudzo: muna 2015 iri pamutemo Website of mudyandigere Fund akazviratidza basa - private hofisi apo mugari dzose Russian Federation anogona kuwana zvose zvakafanira mashoko. Kudzidza awane ruzivo rwako inishuwarenzi pamusoro paIndaneti, izvozvo ichakurukurwa pazasi.

How kuwana ruzivo

Aripo kusvikira 2012 Kuparadzirwa marongedzero vanonzi cheni tsamba, aiva zvainovhiringidzawo zhinji, pakutanga kwezvose, Chokumbofanobata pachavo mashoko. Zvino pamutemo Website PF paIndaneti rudzi, unogona kuwana mazano, kuti taronga kana kuti kugadzira magwaro anodiwa. Chimwe chezvinhu yakakunakira services - mudyandigere karukureta, izvo chero mugari anogona ngaaverenge kukura vachibhadhara ramangwana.

Kugadzirisa mubvunzo sei kuziva zvakaitika wako inishuwarenzi kuna SNILS kunzwisisa pfungwa maitiro vachibhadhara uye nechokwadi kubhadhara nokuda mushandirwi, unogona kuona hofisi private. Kunyoresa uye login uchada email kero, nhamba dzorunhare, uye kadhi, uye kuwana zvimwe minamato nameplate Data.

chikumbiro tsika

Register pamusoro Website of mudyandigere Fund chinotanga munhu akaramba kugamuchira mashoko pamusoro uwandu vachibhadhara tinoitirwa ne basa, tsvaka uwandu pfungwa vakarumbidzwa uye kushandisa mudyandigere karukureta zviri nyore kuti kuverenga ukuru ramangwana evanhu zvikomborero.

Basa achava kubatsira vaya havanzwisisi hurongwa kukarukureta ose pensionable basa uye handina kunyange akafunga nezveramangwana. Pano uchawana mhinduro dzemibvunzo yose chokuita pensions, uye nokudaro kukwanisa kuita zvirongwa zvavo kuti mudyandigere kuuya.

manotsi

Practice yaratidza kuti vagari Russian havasi zvakanaka achiziva pamusoro nzira uye chimiro accrual yekare-zera pensions. Vakawanda vachiri kushamisika kana kuchipatara nguva inishuwarenzi kunobatanidzwa. Yokudzora mitemo yeUnited anosanganisira nguva kuti mari, asi musi ezvinhu kuti mugari iri pamutemo basa.

Zvakanyanya kuoma kudzidza, makore vanoverengerwa chete kana munhu kodzero mudyandigere pamberi kuchinja akanga akagadzira muna 2002

Masvomhu ose zvikomborero zveramangwana kuitika pamusoro imwe nguva (kazhinji gore rimwe). Kana iyi nguva shoma mari hamuna kusvika mudyandigere Fund, kana iye aiva hunhu zvishomanana, izvozvo zvingaita kuti munhu underestimation ari mari chikamu. Zviri pachena, dzemaitirwe hurongwa ane nuances zhinji uye unhu, saka mamwe mashoko nezvokuti ungabata sei kuwana ruzivo wako inishuwarenzi, zviri nani kushandisa kuti pamutemo nezviremera.

Zvaifungidzirwa

Pakutanga 2017 Gurukota rezvemari vakazivisa kuti gore rino, vose vaitaura pamusoro kuchinja zvinhu mudyandigere ino anofanira pakupedzisira kuumbwa uye vanobatanidzwa mutemo achaita. Zvinotevera kuchinjai projected:

• kuwedzera zera racho, sezvo zvinoitika, haisati kuzivikanwa, tinokurukura zvokusarudza kuti zvishoma nezvishoma kuwedzera pachikumbaridzo, kana unopinza, kuvhunduka kusvetuka;
• Kushandura murayiro pamudyandigere varanda vehurumende;
• Ichava mashandiro itsva mari kuponesa yokuzvidira;
• garandi Urongwa inovhurwa.

Zviri pachena kuti kuchinja yose vari kuuya, asi mubvunzo unoramba sei kugadzirira kwavo vagari Russia pacharo, uye musamutsamwisa inotevera kana utsanzi ndechimwe Kunzanga.