Izvo kusarudza mudyandigere mari: wongororo, ratings. Chii mudyandigere Fund nani kusarudza?

The mudyandigere wemuTesitamende Russian Federation inovakwa nenzira kuti vagari vakasununguka kusarudza apo kutungamirira nemari: paumbwe imwe inishuwarenzi kana mari chikamu kubhadhara. Choice chaiva vanhu vose kusvikira 2016. Kwemakore maviri anotevedzana, kukwanisa kugovera mari akarembedzwa. All vokuRussia mari kubva mubayiro (22%) Vanoumba inishuwarenzi chikamu mudyandigere. Saka, mubvunzo wacho unoramba uripo, kworudzii mudyandigere Fund kusarudza kuita mabasa aya: pachena kana muchivande?

The mudyandigere aumbwa?

Usati wasarudza izvo mudyandigere Fund kusarudza, kudzidza zvakadzama sechivako pensions. Izvi muripo evanhu ine panozogadzirika, uye tinofanira kugara nhengo inishuwarenzi. Chokutanga zvinoiswa panzvimbo wakaiswa mari uye yainyatsotaura zvakajeka pamurairo. Inishuwarenzi uye mari chikamu kuvimba migumisiro nemabasa evanhu. The mushandirwi deducts 22% pamwedzi mari kuti mushandi mumwe nomumwe, 16% iro vanotorayirwa kuti paumbwe inishuwarenzi chikamu, uye 6% - tinofanira kugara.

Chikamu chakakura anoenda magetsi kubhadhara kuti pensioners uye chakaita kuti muchimiro ehurumende mitoro kuti chaicho mugari. Mari chikamu rakachengetedzwa pamunhu nhoroondo insured munhu. Zviri mari idzi uye anogona nounyanzvi kubata. Kuti mari hadzina vasingadzoreki munhu kuti anongoerekana nguva pamudyandigere, vanofanira mari. Ose mugari uyo anosarudza kuvimba muitiro: pachena kana muchivande PF.

Ndingawane chikuru payout? Kuti aite izvi, unofanira kuitawo paumbwe guru. Kuwedzera rokumanikidzirwa inishuwarenzi zano, unogona zvakare kubatanidzwa co-nemari chirongwa, pova okuwedzera mudyandigere. Kuti aite izvi, unofanira kuziva kuti vasarudze mudyandigere Fund. Reviews, ratings, mamiriro ebasa, zvimwe Nokuraramisa services - parameters zvose izvi zvinobatsira kusarudza imwe sangano.

pakuponesa kuchinja

Sezvo 2014 tinofanira kugara chikamu mudyandigere ipfupi 2%. Izvi zvinoratidzwa zvakasimba mune mari vachibhadhara ramangwana. Vaya vaida kuchengeta mari dzavo, kunyange muna 2013 votsvaka NPF. Achida waidzora uwandu mudyandigere wavo mari yakawanikwa zhinji. Inishuwarenzi mugove muripo, izvo inoumbwa ne FIU, iri indexed kuti mitengo zvazvingava, uye mari - by Criminal Code of nenhanho profitability kana NPF. Naizvozvo, zvakakosha zviri mubvunzo kuti mudyandigere Fund mhando kusarudza.

NPF

Nonstate mudyandigere mari - chinhu nonprofit sangano hwakasikwa kuti mudyandigere vokuRussia. basa rayo anodzorwa nomutemo. APF uye RPF anogona kuita insurer mugari zvisakakwana mari zvinoriumba. Paaizosvika mudyandigere zera munhu anotanga kubhadhara mudyandigere Fund, dzaona kubva ukuru mari zvakapararira ari oga nhoroondo. SPC anopedzisa chibvumirano nomumwe munhu anoda kubetserwa.

Seiko Ndinofunga pamusoro chokwadi, iyo mudyandigere Fund zvakanaka kana zvose zvakafanana mabasa anoitwa pasi RPF? SPC anovapavhurira chete mari chikamu mudyandigere. Kungofanana mumwe munhu ane kusarudza apo kutenga kuita inishuwarenzi gwara mudziyo, kana OMC, vokuRussia vakasununguka kusarudza sangano, izvo zvichaita kubata mari dzavo kuparadzira.

nengozi

Basa rimwe nerimwe NPF nokudzorwa mitemo yeUnited, uye akazvimirira Makambani. Kudzora mabasa Federal Service kuti musika zvemari chaiyo, uye placement nevasori mubasa depositary. Kunyange zvakadaro, zvinokosha kuziva sei kusarudza mudyandigere mari. User ongororo inogona kunyatsonanga kuzviitira. Zvinofanira anowedzera kuwana ruzivo pamusoro imwe sangano.

ratings

Chii nani kusarudza mudyandigere mari - mumwe inowanzobvunzwa mibvunzo. Kuti tipindure mubvunzo uyu, unofanira uzive SPF Rating kubva sangano "Expert RA". It chinopa chinangwa tinyatsonzwisisa vakawanda nemasangano kushanda Russian Federation pahwaro profitability ratios uye rakavimbika.

Nyanzvi tinyatsonzwisisa kuti mari - ane basa akabhadhara. Naizvozvo, kana sangano haina anomirirwa mukati kuera, hazvirevi kuti haachatyi unoshanda mumhuri kumusika. Zvisinei, pane kutyirwa kuti nei mari asingadi pachena ruzivo pamusoro zvakadini ayo profitability. Saka, basa pamwe nemasangano hakungodiwi. Zvisinei, kunyange mari huru vangava nezvinetso zvemari. Kana vakasarudzwa NPF achaparadzwa liquidated, vose akaunganidza mari mumwedzi mitatu-nguva chichapiwa hwakatamisirwa FIU.

Rating - kuenzaniswa kwakaita profitability dzesangano. It inorangarira zvose parameters ose pavane pamusoro pamusika. Maererano basa ratings, ose mugari anogona vakazvimiririra kusarudza apo mari. Nokudaro, chisarudzo kutamira mari mumwe munhu anotora yavo.

The kusarudzwa kwacho

Nokufamba kwenguva, munhu wose achasangana sangano akadai mudyandigere Fund - ratingasarudza? Rating basa rimwe sangano raMwari nyanzvi, ongorora Quarterly uye pagore anenge 25 waivako zviratidzo. Kubva musi kufungidzira uku, APF rakakamurwa makirasi rakavimbika kwakadaro:

• «A ++» - chinhu chaizvo mukuru chechetere.
• «A +» refu kwazvo azvipire.
• "A" - mukuru chechetere.
• "B ++" - zvinogamuchirika chechetere.
• "B +" - a yakakwana chechetere.
• "B" - a inogutsa chechetere.

Kunewo yakadereresa kirasi "C», «D» uye «E». Chii mudyandigere Fund nani kusarudza? Reviews regai kupa chinangwa tinyatsonzwisisa sangano, saka zvakanakisisa kutarisa NPF aine kureva kuti haana zvishoma pane «A».

Sei ufambe mumwe mari?

Kana chisarudzo chokupedzisira sei kusarudza mudyandigere mari (pachena kana muchivande), zvakatojekeswa, zvinokosha kuongorora zvakadzama nyaya zvemakore kuvhiyiwa. Kuisa kuchengetera, inofanira akanyudzwa pamwe yasarudzwa sangano chibvumirano pamusoro inishuwarenzi rokumanikidzirwa uye pasi FIU akakodzera kushanda. Change chisarudzo pamusoro insurer mugari ose hakuna kakawanda kudarika kamwe chete pagore. Kana nyaya kuchinja mudyandigere Fund akamutswa kokutanga muupenyu akawanda, zvichaita vanofanira kutanga kuziva chaizvoizvo apo kuunganidza yacho mugari. ruzivo urwu kunogona kuwanikwa kubva dzemo bazi RPF.

Ndinoita sei kuwana nhoroondo yangu pakati nepakati?

Gore negore, 1 September NPF nomumwe anofanira kurega insured munhu ruzivo pamusoro pezvakaita ake mudyandigere nhoroondo, migumisiro mari inivhesitimendi. Similar Mishumo mamiriro anotuma PF sechikamu mudyandigere mari. Kana chiziviso asina kuuya munyika tsamba, unogona kuchiwana mahara chero miganhu kurapa RF mudyandigere Fund muchimiro mushoma kubva pachake nhoroondo. Kuti aite izvi, unofanira kupa mashoko, inishuwarenzi chitupa uye pasipoti.

Kudzora kuunganidza?

Zvakakodzera kufungisisa mubvunzo sei kusarudza mudyandigere mari. Customer inofambiswa pamusoro mabasa anogona siyana yekudyidzana. Saka, kunze Rating kunofanira kuongorora mabasa vakapa yakananga FIU.

Sezvambotaurwa, mumwe mari anofanira pagore kutumira mashoko mudyandigere mari vose insured vanhu. Vamwe NPF ronga website yayo kuwanikwa vatengi vari "Account My". Pano unogona kuwana kubva nengaidzo pamusoro nhoroondo uye mashoko ose kwema.

Sezvo aibhadhara chengetedzo?

By mutemo akabvumira anoverengeka mikana disbursement. The mudyandigere inogona mari upenyu, muchimiro zvashata kana bundu chitsama. Kana yechipiri, inzira kuti dzave vaunganidza mukati yechinangwa co-mari purogiramu kana mubereki guru. A mukanyiwa Mari iri rakaiswa kana mudyandigere 5% zvichidzika hama kuti yaipedzerwa ari pamudyandigere mudyandigere. kubhadhara All chinoitirwa NPF uye PFR vakasununguka kubva mitero.

nhaka

mudyandigere mari mari vari kune vatsivi Muzviitiko zvakadaro:

1. Kana mugari, tanga mari, akafa pamberi kugadzwa basa mudyandigere, ari akazviunganidzira mari zvichabviswa Kutamiswa zvachose. Vatsivi muri zvizvarwa anotaurwa chikumbiro kana vatsivi maererano nomutemo. Muchiitiko chokutanga munogona tsanangurai chero Nat. chiso. Kana yechipiri tiri kutaura hama wa1 (vabereki, madzimai nevana) uye 2nd (hama, nehanzvadzi, vazukuru) mutsetse.
2. Kana munhu akafa pashure akagadzwa basa mudyandigere, mari chikamu zvakanga nokusingaperi (kureva. E. A zvinoreva kuti co-mari chirongwa rakanyorwawo somunhu yoga mubhadharo), uyo akatsiva haana mari.
3. Kana mugari afa pashure kwokubatsira kukurumidza kubhadhara, vadyi venhaka vanekodzero kugamuchira SPV vakasara.

Muzviitiko zvose izvi, ari kubhadhara zvisina mutero.

nzira

Pamberi expiry 6 mwedzi kubva musi afa munhu unofanira kushandisa nokuda kwokuripirwa ari vaunganidza nepakati chero miganhu hofisi FIU. Chisarudzo akatorwa mumwedzi 7th pashure pokufa munhu, uye iye akaita muripo pamberi wa15 mwedzi unotevera. Get zvokushandisa vanogona kuva posvo iri kana kutapurirana kuti rokubhengi.

Izvo kusarudza mudyandigere mari?

Mudyandigere mari "mhando nyarara" uyo akasiya nemari ake ose RPF, asi kutaura zvazviri mari dziri neKomisheni "Vnesheconombank", devalued achifuridzirwa mitengo. The zvachose zvibereko pamahombekombe nokuda 2010-2014. It zvakafanana 44,25%, ukuwo mitengo mwero yakasvika 58,65%. At NPF profitability zviratidzi kupfuura avhareji.

Izvo kusarudza mudyandigere mari? Chinhu chokutanga kutarira pandandanda nemasangano kuti ndakauya dhipoziti vimbiso hurongwa. Nokuti 2016 zvakanzi rwakaiswa 32 SPF. Zero Goho zvinoreva kuti panguva iyi iri mari kurasikirwa vakauya. Kana NPF anoshanda panheyo mutsividzo, izvozvo compensates nazvo kubva vayo reserves.

Maererano "RusRating", kupfuura runobatsira okupedzisira 5 makore aiva "The European mudyandigere Fund," akakwanisa kuratidza padanho kudzoka 102%. The Foundation anotungamirira mari kwayo zvisungo guru makambani Russian, akadai JSC "mitoro One", "Magnet" uye anoreva nhema kambani "Europlan". rakavimbika kunosimbiswa dzakawanda vatengi uchapupu.