Ndinofanira kupinda mudyandigere Fund? Zvakanakira nekuipira

Ndinofanira kupinda mudyandigere Fund, kana totaura nzira kuwana inokudzwa pakukwegura? Chokwadi, nyaya nhasi kuchikosheswa repakati vanhu. Uye vamwe vavo havana neunyengedzi pamusoro ndechokuti hurumende ichapa zvose zvinobvira kubatsirwa pakugadzirisa dambudziko iri. Chokwadi, pane imwe zvakaoma kubva zvoupfumi nemaonero, zvinhu simba mamiriro yakataurwa evanhu inopikira, asi vanhu vachiri vanofanira kugadzirira pasi pachine kuva chikonzero, kuenda zororo. Asi sei kuzviita?

Mumwe magadzirisirwo dambudziko

Kuti uvandudze zvinakire vakwegura chete zvakasikwa private mudyandigere mari (NPF). Chokwadi, havana zuro, uye vazhinji vedu vanoziva nezvokuvapo vakadaro.

Pane imwe nguva, kunyange yakatanga hombe nokushambadzira rutsigiro, izvo nechinangwa kukwezva zvakawanda upfumi ari pamusoro mamiriro. Kuti pensioners vakatanga pamusiwo vanhu nokuvakurudzira wokunwa purogiramu itsva. Yakanga uye paiva mubvunzo: "Zvinobvumirwa zviripo kuti chinja yepachivande mudyandigere mari" Kuti tinzwisise, kutanga kuona kuti iri repamutemo.

pfungwa

Sezvaunoziva, munhu wose ari kuisa mudyandigere nyaya. Tinoshanda, tinowana mubayiro nokuti, chikamu iyo anoenda mudyandigere Fund, iyo anovapavhurira munhu chaihwo twa, zvakare, pamwe kuunganidza pamusoro accumulative chikamu mudyandigere. Saka vanhu pachavo igovere vakwegura.

APF iri pamutemo marongerwo icho kuongororwa nokungwarira neHurumende. Panyaya iyi, zvose mipiro kuti kupinda mariri insured. Naizvozvo, kana zvaitika pakarepo kuti NPF vachanyangarika kubva kumusika, mari yavo pfuma vachangoerekana zvakaitika hurumende mudyandigere Fund deposits. Zvisinei, munhu anofanira kufunga zvinotevera: NPF inopa nomazvo mubhizimisi mari depositors 'securities, paruzhinji makambani, bhengi deposits, zvemari zvikwereti masangano nedzimwe.

Sezvinotarisirwa, mugari kunova dzakapfuma somugumisiro upfumi dzakadaro.

Kuti kuva kana kwete kuva?

In kufunga kana kuti kutamira private mudyandigere mari, zvakakosha kunzwisisa zvinotevera: kukura zvemagariro zvinobatsira vanhu kuenda zororo munguva yemberi, ine zvikamu zvitatu. Basic (6%) - zvinowanisa kubatsira mukuru vagari (varume makore 60 okukura uye vakadzi anopfuura 55 years). Inishuwarenzi (14%) - iri vaunganidza pachake Nhoroondo mushandi, asi pakupedzisira akanga "kudyiwa" by mitengo. Tinofanira kugara (2%) - iri rinopiwa kuona kunaka zvokunyama hwaro pamudyandigere ramangwana. Ndicho kokupedzisira pamusoro zvidimbu evanhu mubhadharo ndiyo huru kukosha. Sezvingatarisirwa, mwero 2% hazvikwani munhu akanzwa apo akaenda zvakakodzera zororo kuti zvokunyama zvirokwazvo. Kana APF, nechigadziko chikamu haina taizviisa 2% uye 6%. Zvechokwadi, chikamu ichi anojekesa mubvunzo wokuti kana kwete kupinda ari mudyandigere Fund. Asi, kana mhinduro dziripo zvose uye pamusoro. We nyorai zvihombe.

Goodies

Dzimwe nyanzvi, kana vanobvunza: "Ndinofanira kuenda NPF", nechivimbo kuti: "Hungu!" Sei?

Chokutanga, mwedzi kubhadhara zvichava kwete chete mipiro evanhu, asiwo kwemari chikamu, iyo chakaumbwa yesangano yaunganidzwa bhizimisi mari rive. Zvisinei, kusarudza kana kupinda mudyandigere mari uye chii kubatsirwa zvinogona Rinobva ichi, zvakakosha kuti funga zvinotevera: iri chibvumirano, muna zvisingawanzoitiki zviitiko, ngadzirambe mubereko kumahombekombe, kuti kufanotaura Muchiitiko pachava upfumi pamisika pose, uye ndedzipi magumisiro kubhejera zvakaoma chaizvo.

An chinokosha mukana vaiona akare-zera zvokudya chepurogiramu uye chii rinopa kuti ndichengetedze paakapiwa yesangano, kana paine zvirongwa vachava maturo, mari iri munhoroondo nemakasitoma ichi haangavi kudzikiswa nekuti nemamiriro compensates kukuvara kubva yayo reserves.

In mubvunzo kana kuti kupinda NFP? Inogona kukupa chivimbo chokuti kana kuchava shanduko chero pamusika mari, asi mamiriro hamuzosiyi nayo vasina akavatarisa uye kuchinja mari toronga gore, kufungisisa zvichiitika kuitika.

nezvayakaipira

Zvisinei, panewo nhamba nyanzvi, uyo akabvunza kuti: "Zvakafanira kuti vachipinda private mudyandigere mari", usazeza kupindura zvakaipa. Sei?

Chekutanga, kana fiscal gore achava vanoshorwa, ipapo kunyange iyo kutsiga mari haigoni kufamba uye nehurukuro.

Chechipiri, kana pamusoro apa chimiro nokuda kwechikonzero chisanyanya rezenisi, anozviita kutamira mari nezvimwe mudyandigere mari uye mari yacho kurapa vaitungamirirwa nomudzimu depositor. Hongu, payakaipira izvi hazvigoni kunzi zvinokosha, asi vamwe kusanzwa, asi zvayakanakira zvakawanda. Chokwadi, dambudziko kana kuti kutamira private mudyandigere mari zvakakodzera, mumwe anofanira kusarudza nomunhu.

Features Matanho

Nokuti vazhinji, hazvina pachena: "Kuchinja kubva FIU kusvikira NPF - kodzero kana mutoro" Sezvingatarisirwa, hapana anogona kumanikidzwa nzira iyi, sezvo zviri nokuzvidira. Uyezve, munhu akakodzera kushanda yezwi asiri ehurumende vatambi vanogona kuva chero nguva yegore, zvaitwa kamwe ose 12 months. Gwaro anofanira fanira kuratidza sangano, izvo zvichaita -wedzera ari accumulative chikamu mudyandigere.

Hurongwa nzira

Hamuzivi sei kuenda mudyandigere Fund? Ita zvinotevera:

1. Ziva kuti mamiriro, izvo iwe dzakawanda chivimbo. Ongorora uchapupu evanhu paakapiwa rimwe kana rimwe NPF, tarisa kuti makore akawanda ari pamusika, riripo, uye kureva pamutemo mapepa wekambani.

2. Sign chibvumirano kugovera mudyandigere inishuwarenzi rokumanikidzirwa, uye ongorora mashoko zvakadzama. Gwaro rinofanira zvakajeka, sei zvikuru uye kakawanda sei unofanira kuita mipiro. Usati nokuisa siginicha pamusoro gwaro, hazvina okushamisira kutanga vashandi nomumwe penjeni, izvo zvichaita kuti vanozvisanangurira ane pachake ari anofungidzirwa nhamba kugadziriswa dzavo, zvichienderana zvokunyama yaibvira yemberi pamudyandigere. Usazviomesera replenishment mari - mumwe akanaka ezvinhu nokuda nemhosva.

3. nguva kusvikira December 31, kero iri miganhu simba RPF mashoko pamusoro yezwi NPF.

4. Rindira zvakanyorwa ziviso rokusarudza.

Zvino iwe une pfungwa sei kuenda mudyandigere Fund.

Nzira kutumira magwaro

Mashoko unogona kupfuura pachako FIU. Iva nechokwadi kuunza SNILS uye pasipoti. Uye musakanganwa kukumbira kuti runoenzanirana chionekeso pakugamuchira mapepa.

Tumira mashoko yezwi NPF zvinokwanisika uye kuburikidza MFC hurongwa.

Hazvirambidzwi kugadzirisa gwaro dzataurwa pamusoro apa neposvo. Muchiitiko ichi unofanira kushandisa basa rimwe vakanyorwa tsamba ane kuda uye ziviso.

The hamvuropu vanofanira namira vakazadzwa iri rinokosha chikumbiro chimiro, kopi pasipoti uye SNILS.

mhedziso

Vanhu vakawanda vanonetseka: tichasimbiswawo unotambudza uye chakaoma kunzwisisa pamasikiro mudyandigere kuna NPF? Uye zviri zviripo? Heino imwe sefungu yemberi pensioners. Pazuva rokutanga tinogona kutaura nechivimbo kuti kuchinja haangavi kutora yeGmail.END_STRONG yakawanda nesimba uye utano hwake. Kana wechipiri, inofanira kusarudza mumwe nomumwe pachake, pashure pokunge vakaongorora zvayakanakira nezvayakaipira.

pfungwa nyanzvi 'panyaya iyi vakakamurwa: Vamwe vanoti NPF - chiito chikuru kuisa nheyo yakanaka nokuda yekare zvinhu. Kuoma chete ndiko kuwana yakavimbika kambani kuti noungwaru kupa mirayiridzo kuti mari yenyu. Zvikasadaro, kuti mudyandigere haringapiwi inopiwa. Vamwe vanokurudzira kwete kukurumidza uye kufunga vamwe kusarudza kuti mari mari, izvo pane zvino wandei. Somuenzaniso, unogona kushandisa mari yesangano securities, Real Estate, kushandisa PAMM-nhoroondo uye zvichingodaro. Uchatamisa kana kwete kutamira mudyandigere kuna NPF? Woongorora!