How kuverenga imwe mudyandigere pamusoro calculator?

Kazhinji, mumwe nomumwe wedu anonzwa mubvunzo: "Sei kuverenga mudyandigere?", Aiti: sei rubles zhinji ndiye, asi vashoma vanoziva mhinduro yakarurama. The ndechokuti nyaya iyi inovhiringidza zvikuru. Mumwe nomumwe wedu anogona chete zvokufungidzira pamusoro sei kuverenga mudyandigere.

Tinofanira kutanga kuzivana nevanhu nezvokuzadziswa kukarukureta. Dzidza sei kuverenga mudyandigere - nyore chaizvo, asi zvinotora zvishoma nguva.

The mudyandigere iri akaripa iri pamwedzi hwaro kusvikira pakuguma kweupenyu hwevanhu, zvinokosha kuti vawane mari mari vagari vakura uye vane akakodzera basa ruzivo. Kune mhando akasiyana pamudyandigere: urema, akwegura-zera kana akapona. Mhando idzi mudyandigere dzakava pamusoro pamwedzi hwaro, uye uwandu yavo wakasiyiwa mamiriro (nokuti vakaremara uye akapona). Ukuru, izvo chinodiwa kuti tiwane makomborero, inobvawo pamusoro mhando basa.

Sokuziva kwedu mamiriro mudyandigere chikwereti varume vane makore 60 apo vakadzi - 55 makore. Pachake ngaaverenge chitsama remwedzi mudyandigere mari zvakaoma, asi zvakadaro zvinoita. Kana isu kutora basa ruzivo makore 20 vakadzi, uye vanhu - makore 25, zvinotevera wevacheche, izvo kucharatidzwa ari muenzaniso, unogona kuverenga kwako mudyandigere pamwedzi mari inobva agara.

Mudyandigere vari:

1. Huru Chikamu: rinoisa hurumende pachayo, kushandura uwandu vachibhadhara kuitika zvichienderana nezera, kuremara kana basa vajairira.
2. The inishuwarenzi Chikamu: nayo kuisa zvichienderana ukuru yose mari kuti mudyandigere guru. Kwakavakirwa zvinosanganisira nokukosha mudyandigere yesangano, uye uwandu inishuwarenzi.
3. Mari chikamu: zviri kuisa zvichienderana nemari akaita pamusoro yokuzvidira sarudzo.

Ko mudyandigere guru

The yemudyandigere zvinosanganisira mari zvose kuti Makawana mubishi kushanda iri yoga pachavo nyaya. Iye vaisanganisa ne mutero kuti wakabata nomumwe pamutemo vakashandisa vemo, kuti iri - muripo nokuda inishuwarenzi nezvimwe mhosva kuti mudyandigere Fund.

Sezvo zvakakodzera kuverenga mudyandigere, kufungisisa zvose zvinogoneka kuwedzera, zvinokosha kufunga ndechokuti mudyandigere inogona yakawedzera 10% kana kupfuura, kana uine basa ruzivo asati 1991, maererano kuchinja zvinhu mudyandigere hurongwa kubhadhara. The kukarukureta anotora nhamba yemakore kusvikira 1991, uye ipapo zvayakanakira uye kane 1%. Minimum mubayiro kunowedzera kubudikidza 10%, asi kwete kupfuura 20%. The zvichiguma mari inowedzerwa mudyandigere.

How kuverenga huwandu mudyandigere (yokukwegura)

Waunoshandira anoita pamwedzi 20% of mari kubva uwandu mari yako yeramangwana mari kuti mudyandigere yenyu. Mari All pakutanga kuuya mudyandigere Fund. Funga nezvomuenzaniso kukarukureta pakati pensions.

Somuenzaniso, unofanira kuverenga uwandu nokukwegura mudyandigere, ukakumbirwa kuti PFR1 vakasuwa May 2012. All ruzivo basa iri May 1, 2012 kwemakore 30. Paavhareji pamwedzi muhoro kuti nguva yokuvadzidzisa 8.000 rubles. Saka sei kuverenga pensions pamusoro karukureta haangavi nyore, kushandisa ichi nzira RP = SK * WP / ST * FFP uye kuenzanisa mashoko.

UK - a ukuru chinhu, ndiyo 55% kuti kureba basa kwemakore 25. Kana munhu akashanda makore 30 nokuti UK zvichawedzerwa 5%, ukuwo, makore 20 okuberekwa = 50%. Nokuti varume navakadzi, SC kunowedzera nerimwe gore kubva 0.1 kusvika 0.75.

WP - zviri muhoro, iro rinowanikwa chero 5 makore panhurikidzwa pachishandiswa magwaro wakabudiswa muna ushandiswe nomutowo nokuda waunoshandira kana nesangano rehurumende.

FFP - mashoko paavhareji muhoro pamusoro mwedzi wapera, izvo anoti hurumende muna 2012.

PO - avhareji pamwedzi muhoro wakasiyiwa Russian Federation Kwenguva 5 makore, kuti iwe achashandisa kuverenga RR.

Teverai nzira uye kuenzanisa ose data, unogona ngaaverenge kukura mudyandigere kubhadhara kwemwedzi kana gore.