Mudyandigere Fund "Kubvumira": kutenga ongororo, uye zviri pamutemo basa

Vanhu vazhinji vari kuedza kutarisira ramangwana ravo, uye kana munhu hariguti nenzira hurumende iyi anoita, vanogona chero nguva kutora zvinozoitika muupenyu hwavo mumaoko avo uye kutsvaka remangwana vasingakendengi. Hazvina kuti chikonzero ichi kuti mumakore achangopfuura wava kukurumidza mabasa kuti inopa nemakasitoma ayo ane "Kubvumira" mudyandigere Fund. Customer ongororo ndiwo anyatsoona vakawanda mashoko anokosha pamusoro sei kushandisa sangano uye kana achizadzisa yayo mitoro.

Munyaya ino tichakurukura izvo mabasa vari inopiwa ichi kambani se basa rake uye kuti dzake vatengi vanofunga.

Ops

mudyandigere inishuwarenzi fanira ndiyo hurongwa naro hurumende avepo paumbwe kunobva mari kuti pensions kuti vemo. Panguva iyoyowo avo vanhu vari kuchizvivanza Ops, anogona kunzi kune insured vanhu, uye kune chiitiko insured, akadai vakaremara kana chete kuzadzisa rakakodzera zera, kupa mamwe kubatsira vagari mubasa mudyandigere Fund "Usatenda". Customer inofambiswa kunoratidza kuti pari mari rinonyanya hakupesani ayo mitoro, pasinei nokuti vamwe vanhu vane mamwe matambudziko.

Ndivanaani vari insured?

Panyaya iyi, nyika insured ari mugari wenyika Russian Federation kana munhu anogara kwenguva pfupi mundima Russian Federation kana:

• It unoshanda maererano akaanyora basa kana chibvumirano vehurumende;
• Rine rakazvimirira Software basa (gweta, rimwe gweta, mumwe murimi kana entrepreneur);
• kushanda kunze kwenyika, asi nguva inobhadhara premiums kuti mari.

Kana munhu zvechokwadi ari insured, anofanira kupa runoenzanirana chitupa, iyo nesipereti ake pachake data, uyewo nhamba inishuwarenzi nomumwe. Nyaya chitupa inishuwarenzi rinoitwa mushure chikumbiro kuna mudyandigere Fund, kana iri nyaya yokutanga basa. To musi, vanhu vanopfuura mamiriyoni 100 muRussia dziri insured vanhu.

insurers

Chokwadi, chikuru adiministratorom mune iyi ndiyo Russian mudyandigere Fund, iyo Rinotarisira ose mudyandigere mari. Asi chokwadi, noku mari iyi sezvo insurer kunogona kuita non-hurumende mudyandigere mari kana nhengo utariri makambani, asi bedzi paumbwe kunzi mari mudyandigere. The insurer iri mubasa zvishoma nezvishoma kuunganidza inishuwarenzi kubva insured vanhu uye panguva imwecheteyo vakaita mari izvi kuburikidza specialized mari zvakanaka makambani.

An insured munhu awane imwe contributory mudyandigere anonyatsokwanisa kukwanisa kusarudza imwe insurer kuti zvichaita kutarisira mari, uye vazhinji vanosarudza mudyandigere Fund "Usatenda". Customer Reviews kupembererwa kwete chete kubhadhara yakatsiga uye guta kukura, asi nyanzvi basa rinopa rutsigiro mumwe nemhosva.

cofinancing

Maererano mitemo ichishanda kubvira 2009, achimhanya purogiramu co-mari kuti mudyandigere kuunganidza guta iri Russian Federation. Nemhaka iyi, vagari vane mukana kuti yekudyidzana kuwedzera mudyandigere dzavo mune ramangwana, zvichiita panze chibvumirano ne sangano akadai mudyandigere Fund "Usatenda". Customer ongororo kazhinji ona basa iri, sezvo unokubvumira panguva kugamuchira mari kubva ehurumende uye asiri ehurumende mudyandigere mari.

Maererano nechirongwa ichi, chero mugari anekodzero uchatamisa mumwe zvipo kune mari chikamu. Kana vari muchirongwa ichi iwe, vane mukana yekudyidzana kuwedzera yezvinoreva mari chikamu yemberi mudyandigere. Zvinokosha kucherechedza kuti vose okuwedzera mipiro kaviri mumakore akatevera 10 makore, asi chete ezvinhu hazvisi kutanga hapana asingasviki 2,000 rubles pagore. Uyewo, pane chimwe chete chavakarambidzwa - mumwe muwedzero rirege kupfuura 12 000 rubles pagore. Panyaya iyi, kufadza zvinoita kururamisa kuti mari chikamu mudyandigere kubva State 120 000 rubles.

Maererano yeUnited mutemo kupedza okutambirwa mafomu aitarisira pamwe kutanga 2015.

Kushanda nevasiri ehurumende mari

Mudyandigere Fund "Kubvumira" inokupai iwe kuita zvokuzvidira mari, izvo zvinoita kuti yekudyidzana kuwedzera zvachose tinofanira kugara chikamu mudyandigere, uchishandisa kwete chete kuwedzera wenyika, asi mari mari, izvo zvichava kuramba kurayira pavane nyaya yako.

Vatengi kazhinji bvunza pamusoro kana chirongwa ichi chichiitwa kune avo pamudyandigere avo haashandi kana vari kushanda panguva. Maererano nokuchinja mumutemo ano hurumende kukurira co-mari zvipo chete vechikamu vaya vasina kare kugamuchira mudyandigere kuburikidza mudyandigere Fund kweRussia, asi mutemo uyu haadi kukanganisa vanhu vanouya purogiramu isati pakatanga October 2014.

Ndezvipi zvakanakira basa iri?

• akaita mipiro acharamba kukura pamusoro nguva;
• pakupedzisira unogona kuwana kuwedzera chaizvo, vakanaka kwazvo mudyandigere wavo;
• Unopinda rakadzikama mubhizimisi mari, iyo inopa iwe munhu asiri mamiriro 'Usatenda' mudyandigere Fund;
• Hapana kurambidzwa kuti chii chingava kukura mari;
• nguva uye uwandu mipiro, uyewo mazuva kubatanidzwa wako purogiramu iyi, unogona kutsanangura zvachose vakazvimiririra;
• zvinobvira kuti rinokosha yomutero yaanobhadhara mumwe uwandu kuti zvauchaita dzenyu accumulative chikamu pensions mukati chirongwa;
• akaunganidza mari zvinogona nhaka maererano assignees zvose panguva okuchengetera uye mushure insured munhu pamudyandigere.

Sei zvinobudirira mari iyi?

Feedback kubva makasitoma hazvibviri kuziva zviri nhamba, sei zvinobudirira kuti "Kubvumira" Non-State mudyandigere Fund. Wongororo zvemagweta - chinhu zvakasiyana nyaya, sezvo vanhu ava vari vanongwarira kuongorora makambani nhasi, uye zvinogonawo kupindira navo ose nemiedzo.

Chokutanga zvinokosha kuziva chokwadi chokuti Rating sangano "Expert RA" apiwa kambani imwe chaizvo mukuru pamwero rakavimbika kuti kare kutaura zvakanaka mukurumbira wekambani iri pamusika inishuwarenzi.

Private Mari kana ezvinhu?

Chokutanga zvinokosha kuziva kuti vaunganidza profitability wekambani, akaenzana 30,55% mumakore matatu apfuura. Nhamba iyi zviri kudarika icho kuchengetwa mune hurumende utariri kambani, sezvo panguva iyoyo tinofanira kugara goho riri% 15,95 chete maererano kuchengetedzeka Portfolio uye 19,68% maererano yose mubhizimisi Portfolio.

9,84% pagore kambani anogamuchira kubva mubhizimisi kuti mudyandigere mari, achiwedzera kuti nhoroondo dzavo vatengi. Panguva iyoyowo 11,44% - ndiwo profitability, rave richiparadzirwa kuti siyana mudyandigere nyaya pakupera 2013. Zvinokosha kucherechedza kuti panguva iyoyo zvakanga mumwe kumusoro pakati ose makambani kushanda mumunda uyu. Panguva iyoyo muna 2012. The goho raiva 12.7% uye rinomirira soro mwero pakati pemasangano ose akafanana.

Kuva akatsiva mutoo nokururama Fund inoshandisa inonyatsobudirira zviitiko kuti kubvumira kupa nguva hwaivapo basa, uyewo nekaupenyu yakakwirira, uye panguva imwecheteyo akatsiga profitability zviratidzi paakapiwa mudyandigere nemari, izvo zvakabatsira kuti vaunze kuvimbika uye kutendeseka kubva vatengi kwakaita "Kubvumira" Non-State mudyandigere Fund. Reviews zvemagweta dzinotiwo kuti chero litigation nesangano iri ndiwo murayiro unokosha zvishoma tichienzanisa zhinji nemamwe masangano zvemari.

Sezvo vachibhadhara dzinoitwa?

Clients vanopiwa mukana kuti mudyandigere iri chiitiko kuti havana ratosvika mudyandigere zera, asi kunze kuti anopawo nekuda kuripwa mari chikamu mudyandigere pamberi kupiwa wava. Under muchikwata ichi kuwira vagari vari kubata mhando ngozi okuwana, kana avo vanogara munyika kumbonyanya hasha ekunze. Pakarepo zvinofanira kucherechedzwa kuti mazita iri nokudzorwa mitemo iri simba, saka unofanira kuriverenga pamberi kuona uye kwokunatsiridzwa nuances siyana.

Kupa mumwe munhu-nguva kuripwa zvose vaunganidza huwandu zvinogoneka zvinotevera nyaya:

• munhu anogamuchira mudyandigere mudyandigere pamusana kurasikirwa pakuriritira mhuri kana akaremara;
• It anopiwa mudyandigere maererano nehurumende mudyandigere zvokudya, asi hapana tsanangudzo kodzero akwegura mudyandigere mudyandigere nokuti kuti hapana nguva inishuwarenzi zvakakodzera;
• zvachose Kukura tinofanira kugara chikamu mudyandigere rinosvika 5% of yaipedzerwa pensions zera.

Pakarepo mubhadharo pashure pemakore asingasviki 10 zvinogoneka kuna kana munhu ari nhengo chirongwa mudyandigere co-mari uye panguva imwecheteyo yavo mudyandigere mari vakaumba kuvonga kuti kutora chikamu mune chirongwa (nemamwe mazwi, kuti zvimwe zvipo inishuwarenzi kune mari chikamu). Uyewo kune kuwanda inoumbwa nokushandisa mhuri guru kana mumwe chikamu chayo, iwe achapa zvashata kubhadhara "Kubvumira" Non-State mudyandigere Fund. Kana kuti kubatana program mune ezvinhu akadaro - hunotova kusarudza mumwe munhu, sezvo mamiriro ezvinhu akawanda nokuti Data chaizvo zvinogamuchirika, nepo vamwe vari zvachose kwete akakodzera.

How kuripa?

Pensions Clearance pakutanga kuitwa zvakananga huru muhofisi, iyo iri Leningradsky Prospekt muMoscow, asi kune avo vanhu vasingakwanisi kuita izvi, pane mukana nokutuma application neposvo kana nomukombiyuta runoenzanirana mudyandigere chinouraya, icho chinogona kuwanikwa, kana iwe enda Website , iro vaiva ne "Kubvumira" Non-State mudyandigere Fund. Kana kwete kuita pakadai - chisarudzo yenyu chete, nokuti isu tose tine pfungwa dzakasiyana pamusoro unhu basa.

Pakarepo zvinokosha kuziva chokwadi kuti unogona yekudyidzana rikurumidze zvinonyatsorehwa kubudiswa nzira iri chiitiko kuti waita pre-kufona kuti kambani. Saka, uchakwanisa kwerubwinyo rwakagara rwuripo kubvunza pamusoro siyana nuances chikumbiro, uyewo nguva yavo sevanakomana.

Ndezvipi zvakanakira kushanda mari iyi?

Chokwadi, kazhinji vanhu vanofunga zvakawanda, uye kana zvakakodzera kushanda NPF "Usatenda". Mumwe ane tsika akasavimba chero mari masangano, nepo vamwe vari kuda mari pane neboka rakadai, asi panguva imwe chete mubvunzo chii chaizvo kusarudza zvakanakisisa. Ndokusaka zvakakodzera kufunga zvakanakira shoma yokushanda pamwe Fund.

profitability

Chokwadi, profitability of NPF "Kubvumira" achavaponesa yaipedzerwa mudyandigere wauchazoroorana zvakananga. Kunyange kana musiyano iri mashomanene muzana paavhareji annum kwemakore 20-30 uchakwanisa kuwedzera yayo mudyandigere kupfuura kaviri. Maererano migumisiro okupedzisira matatu apfuura, kuti profitability ari sangano iri 30,55%, izvo zvinoita chaizvo, yakanaka kwazvo, kunyanya kana ichienzaniswa nebudiriro nemamwe masangano.

Munhu wose anonzwisisa kuti kutombonaka chingaitika kuna Fund uye vose makasitoma ayo - ndiko kushaya mari kukura, asi kushanda nenhamba kure anoratidza kuti NPF "Usatenda" hakuna pangozi, saka pakati vanyori ongororo chepakarepo hapana vanhu achida kugumisa kondirakiti.

The kambani anoedza kunyatsoongorora kuswedera pakusarudza nzvimbo mari kuitira kuti kupa vatengi ayo uye saka pachavo zvikuru zvinoita mari. Hapana chakavanzika kuti ano hurumende mari dziri kushandiswa zvemari-maindasitiri mapoka, apo upfumi dzinoitwa kunyanya zvido makambani akadaro pane makambani. Panguva iyoyowo, basa chikwata uye sachigaro Board Evgeny Dobrovolsky (NPF "Kubvumira") havana chokuita zvivako izvozvo, saka edza kushandisa mari iri vanhuwo mubereko nemakasitoma.

With rakakura utariri ruzivo, uyewo hwakadzama kunzwisisa kwavo dzazvinogara minda, nyanzvi sarudza zvakanaka nzvimbo nokuda mari, sezvinoratidzwa nguva refu nenhanho profitability of sangano zvichienzaniswa vakwikwidzi.

kurerukirwa

Kushanda ichi kambani, kunyange pamusoro mutengi inofambiswa, zvikuru vakasununguka, uye kupfuura zvose, vazhinji kukonzera nyanzvi basa. Vanongomuti kana kunyora tsamba kuti mamaneja akatanga kubata mubvunzo wenyu. Havaoni NPF "Kubvumira" inongogara kuedza nechokwadi kuti kambani akagovera chemhando yepamusoro basa uye kuwedzera profitability. Kana muri kuva nemhosva wekambani, nyanzvi nyanzvi pakarepo kutora pamusoro chero nezvemhosva ramangwana rako zvakanaka, panguva iyoyo kudzora yavo zvinoreva zvaunogona kuburikidza foni kana unyanzvi mudyandigere inouraya.

Matavi NPF "Kubvumira" riri munyika, saka uya uye kuwana mazano kana kuti kuva mutengi wekambani zvinogona munhu, zvisinei nzvimbo yake yaanogara. Naizvozvowo hazvina vakawanda chaizvo zvinokosha zvinobatsira.

kuvimbika

Chokwadi, nhamba iri kunakidza nekuda vagari vakawanda ano vari vanofarira inopa kubva sangano "Usatenda". Mudyandigere Fund, iro kureva izvo ndiko nhasi mumwe chemhando pakati masangano zvakafanana, ari kushanda kubva 1994 uye vachiri anoramba mukurumbira wayo sechinhu yakavimbika zvechokwadi zvemari yakarongeka, iyo kwazvo zvinobudirira inopiwa mabasa chokuita private mudyandigere zvokudya zvakasiyana-siyana makambani. Sezvo zviri 06.15.15 yaipedzerwa mudyandigere mari musangano rinosvika mabhiriyoni 21 rubles.

Uyewo JSC "mudyandigere Fund Usatenda" ane mugove guru, uwandu chiri rubles mamiriyoni 150.

Mari All mudyandigere vari unovimbisa. On the "Kubvumira" nhasi rwuripowo mazita pachena mudyandigere mari uyewo private mudyandigere mari. A chibvumirano kuti asaine kambani, iri insured neHurumende, sezvo kambani iri nhengo wegadziriro pakuvimbisa kodzero mumwe insured munhu.

revocation kuti rezinesi

Zvinokosha kucherechedza kuti vanhu vakawanda sokuti basa Fund akanga pamutemo kwakaregwa, asi chokwadi hazvisi. NPF "Kubvumira" rezinesi yakabviswa nokuzvidira, sezvo utariri akasarudza kuti kukura zvose mari vaviri kukodzera. Pamusoro kugumiswa ichi rezinesi Nokutendeka pavane chete zita vakatanga kushanda senguva dzose. Iye zvose sungiro uye kodzero chokuita rokumanikidzirwa mudyandigere inishuwarenzi kunge kubva kuna APF, uye apo munhu akanga asarudza kugumisa kondirakiti.