Of chii chinoumba kukwegura mudyandigere: zvinhu uye mitemo kuchaja

Kuwedzera, vagari vari kufunga mu Russia chii chinoumba mudyandigere. Uyu mubvunzo unokosha, iyo inokurudzirwa kutarisira mune hwake. The mudyandigere wemuTesitamende Russian Federation ari dzichichinja. Mumakore mashoma apfuura zvave kuisa mberi zhinji dzidziso uye hurongwa pakureva Urongwa pensions. Vamwe vavo vatova vapinda simba, vamwe vari pasi kukurukurwa. Zvisinei, chinhu chinokosha ndechokuti kuona zvinoumba yacho mudyandigere. Chii chinombodiwa panofanira? Chii chinoitika? Chii avhareji mugari kunodikanwa imwe nyaya? ichi zvose zvichaparadzwa kutsanangurwa pashure.

Mudyandigere - zviri ...

Mudyandigere - mwedzi nomwedzi mari mari, chinzvimbo vomuUmambo nomumwe. Kakawanda, zviri basa vanhu zvasvika mudyandigere zera. Saka kure, varume Russian kuenda zororo makore 60, vakadzi - 55 Asi mune dzimwe pensions vanobhadharwa pamberi.

Munguva Russian Federation pane zvakawanda kwakadai. Somuenzaniso, pane zvinotevera pensions:

• mumagariro;
• basa;
• akapona;
• urema.

Panguva imwe chete ari mugari iri kupiwa chimwe chete mhando mari kubva hurumende. Saka, vakawanda vari kuedza kunzwisisa chii chinoumba mudyandigere. Muchiitiko chino, zvichaita kukwanisa kusarudza zvikuru akakodzera worudzii munhu kubhadhara.

kubhadhara

Sezvo yave akati, akadzidza mubvunzo iyo afarira vanhu vakawanda vaigara munharaunda yacho Russian Federation. Munyika mune mhando huru 3 chete vachibhadhara. Izvi zvinosanganisira zvinotevera muripo:

• zvinhu;
• chengetedzo;
• inishuwarenzi.

Ndokusaka pamudyandigere makomborero. Pasina kwavari, akadzidza kubhadharwa anongotaura asinganyimi. Ndezvipi peculiarities yokutsigira mamiriro nokuti vakwegura vanogara Zvinokurudzirwa kuteerera?

Three zvinokosha zvinoriumba

Somuenzaniso, pachirehwa mumwe constituent mhando pensions? Nzwisisa izvi zvose, zvinokuchengetedzai kutaura kuti pfungwa rokuumba kutsigirwa vanhu vakwegura munyika.

• Basic chikamu pensions - shoma uwandu mari kuti vanobhadharwa kuti mugari uye zvinovimbisa upenyu. Rakapa pamwedzi kubatsira kuvapo pensioners.
• Mari chikamu achiumbwa kubva mipiro, izvo anobudiswa kuti akagwinya mugari wenyika mushandirwi. Chero mari kuti munhu nokuzvidira hwakatamisirwa mudyandigere mari. Huwandu vachibhadhara kunobva akaita mipiro.
• The inishuwarenzi Chikamu - chinhu rokuti inokosha, nzvimbo vanhu vose nokusingaperi vakashanda pamutemo. Chii chinobatanidzwa mu mudyandigere? Her chikamu inishuwarenzi - rudzi muripo basa ravo. The saizi kunoenderana ukuru, mubayiro uye pamudyandigere zera.

kukwegura mudyandigere

Zvino zvishoma pamusoro mhando chaizvo pensions uye mitemo inotungamirwa yavo. The nzira yokutanga - old-zera makomborero. Vanogona kuva nehasha kunzi inishuwarenzi. Sei? Of chii chinoumba kukwegura mudyandigere?

All nyore chaizvo. Pachishandiswa kare kupiwa tsanangudzo, tinogona kugumisa kuti mudyandigere inishuwarenzi - chichiwanikwa pamusoro hwose, uye kupa mudyandigere mari mari. muripo Izvi zvinogona kunzi basa. Mushure zvose, pasina basa zvipo, sezvinoita mutemo, havana anogadzirwa.

Murwiyo mari yakadaro kunodiwa kuti zvinosanganisira nechepasi mugove. Zvinonzi wakasiyiwa hurumende panguva yakatarwa chitsama. Kana mugari basa rave chokuita zvimwe, ivo kunyatsobatsira mudyandigere. Somuenzaniso, pane shoma kudzikamisa zvakaoma kushanda mamiriro kana urefu basa. Izvi zvinofanira kuyeukwa ose mugari.

Pamusoro accumulative chikamu

Uye chii chinoumba basa mudyandigere ari kuchengetera nzvimbo? Maererano Russian mudyandigere gadziriro ano kuchinja mari dzakadaro kuumbwa nenzira dzakawanda.

More zvakananga kuti:

• Mugari kana mushandirwi anogona mari yokutsigira mudyandigere Fund of Russian Federation neurefu hwakasiyana-siyana. Zvadaro mari kubhadhara uye ukuru mari chikamu kuchaita tungamirwe yakakodzera mamiriro sangano.
• Ane kodzero kuti mipiro inishuwarenzi yokuzvidira kuunganidza ramangwana mudyandigere. Kuti aite izvi achava kushandisa kuti mudyandigere Fund uye kusaina chibvumirano. Zvino pamwedzi kubhadhara dzinoitwa kuti sangano. Of kwavari munguva yemberi accumulative chikamu pensions chichagadzirirwa.

Nokudaro, vanhu zvaitambidzwa mari yake yose upenyu munyika mudyandigere mari, zviri mudyandigere yaizova yepamusoro mune ramangwana. Zvakakosha kuti, kuwana mubhadharo kwakadaro nhasi, unofanira kuva 30 pfungwa pamusoro mudyandigere zano. Vari paakavapa kuti ruzivo kupfuura zvishoma. Panguva iyoyo, ndiye 5 makore. Zvikasadaro, unogona chete kuvimba evanhu pensions. Hazvina usingashandi, asi anosimbiswa pensioners zvose.

vatsigirane

Labor akare-zera mudyandigere rinoumbwa zvakawanda zvinoriumba. Saka, kutaura chaizvo zvikuru pamudyandigere achagamuchira pamamiriro nyaya, zvakaoma. Panewo evanhu mudyandigere. Kworudzii ehurumende rutsigiro uye sei kuumbwa? Social pensions, sezvo yave akati, ndivo shoma mari kune vanhu. Vanoisa vose vagari vasina basa ruzivo. Uyewo, rutsigiro uyu akaremara. Zvakakosha kuramba upenyu hwevanhu, usina mumwe anopa mari. Social mudyandigere wakasiyiwa hurumende neimwe nharaunda yoga. It zvinoenderana kunaka ezvinhu vokuparidzira uye kudhura kwezvinhu upenyu. Paavhareji, muna 2016 imwe yakafanana kubhadhara inenge 8700 rubles. Shoma Ukuru zvakanga mukati 4900 rubles.

kukarukureta hurongwa

Zvinofanira kucherechedzwa kuti mudyandigere hurongwa kwave kuchiita vamwe kuchinja Russia. Zvino vose anokwanisa kunzwisisa pachako, sei izvozvo achagamuchira vava pamudyandigere. Chii chinobatanidzwa mu mudyandigere? Inishuwarenzi muripo musi iri kunotangira nehurongwa yakatangwa hurumende. Chii pamusoro? это сумма денежных средств, сформированная путем умножения имеющихся пенсионных баллов на стоимость одного очка. Maererano nemashoko yakabudiswa pamusoro pamutemo Website of FIU, mudyandigere inishuwarenzi - ndiyo uwandu mari inoumbwa vachiwedzera vane mudyandigere dzinokosha kukosha imwe pfungwa. Kuti ave nechokwadi zviri akawedzera yakamisirwa muripo.

Saizvozvowo, zvinonyatsorehwa kukura basa mudyandigere mudyandigere inowedzerwa maonero mumwe mugari dialed hwose mudyandigere pfungwa. Vari paakavapa pamusoro mhando bhiri gore rakashanda. The zvakawanda, dzakanga dziri payout. Mari mudyandigere pfungwa kunotemwa neHurumende rimwe gore. chikamu ichi ari dzichichinja. Somuenzaniso, muna 2017 kukosha pfungwa iri 78 rubles kopecks 28. 4 805 рублей 11 копеек. A wakaiswa muripo - 4805 rubles 11 kopecks. Zvinonzi inoitwa gore negore nokuda Indexing rikurumidze.

No zvakawanda pakuverenga mudyandigere kubhadhara hurongwa ikoko. Zviri pamusoro apa dhayagiramu inokurudzirwa kufamba. Panzira, kuti ukuru dzakava kuRussia, kwete chete panguva basa zviri pamutemo. Somuenzaniso, nokuti kutarisira munhu akaremara makore 80 uye vakwegura. Munguva iyi, mamiriro unobereka zvimwe mari kuti mudyandigere Fund, uye ruzivo zvichabviswa mhosva.

How kuti kubuda mudyandigere

Zvino zviri pachena kuti yaipedzerwa kuti mudyandigere mudyandigere rinoumbwa zhinji zvinoriumba. Tichitarira zvokuchinja akaita vamwe vanodavira mudyandigere ezvinhu ari Russian Federation zvakaoma. In tsika, vanhu vari kushingaira nhumbi NPFy nokuumba kuzvipira mari chikamu vachibhadhara kusvikira akwegura.

Uye unogona sei kuwana nzvimbo yokutsigira kubva ezvinhu? Mukati hazvina kuoma zvakadaro. Enough kudare mudyandigere Fund neumwe mazita magwaro. zvinoti:

• kadhi;
• SNILS;
• basa kadhi;
• zvekuzvarwa vose vana;
• Mashoko nhoroondo yokuti akatamisa mari;
• uchapupu dzebhizimisi mabasa;
• uto kadhi (kana iripo);
• chero nezvakanyorwa kuti dzinotsigira non-vanoshanda nguva vaverengwa ukuru;
• mibayiro uye dzimwe kuchengetedzeka, achisimbisa chinzvimbo chinokosha mugari.

Pashure paizvozvo, munhu achaparadzwa dzaona maererano kare aronga zvirongwa, uye anowanikwa ari mudyandigere.

mhedziso

Kubva zvino, zviri pachena kuti zvinonyatsorehwa kukura basa mudyandigere mudyandigere rinoumbwa hombe chaizvo nhamba yenhengo. The mudyandigere gadziriro yacho Russian Federation mumakore achangopfuura ari dzichichinja. Uye saka zvose richaitirwa zano yekuverenga ehurumende Tsigiro chete kuenda kudaro kure. Kunenge kuti munguva pfupi kushandiswa nevamwe dzakasiyana pamusoro paumbwe mudyandigere kubhadhara.

Chii chinobatanidzwa mu mudyandigere? Pahwaro zvose kwokutanga tinogona kugumisa kuti simba inotevera zvinhu:

• mugari mari;
• ukuru;
• nyika basa (mune dzimwe nzvimbo dziri mudyandigere akaita ambotaurwa);
• zera rimwe mudyandigere;
• uwandu pamusaka mudyandigere pfungwa;
• mari mudyandigere pfungwa;
• asiri vanoshanda nguva kuverengwa pakureba basa;
• kukura pechingoro muripo.