Sei accumulative chikamu mudyandigere?

Russian mudyandigere hurongwa. Pakati evanhu chinangwa paruzhinji mari ndiyo inonyanya kukosha non-budgetary mari iyo pensions vanobhadharwa. Munguva Soviet vanonzi mudyandigere hurongwa, izvo akapa vachibhadhara kuti pensioners kuti ishandiswe ano vashandi mari. Izvi zvinoreva kuti mudyandigere hurongwa kwaibva papfungwa yokubatana pakati kumarudzi, kureva pensions vakanga inobhadharwa mipiro vaya vaishanda vari upfumi. In pamusika upfumi akabata mudyandigere kuchinja. It envisages kusikwa itsva mudyandigere hurongwa.

Imwe weDanho nderei mudyandigere pensions, izvo zvakapa kuti vagari vose asvika pazera mudyandigere; vanhu vakaremara, iyo inopa anodiwa zvinhu mamiriro; paanofa vakasiya pasina mari. Chechipiri pamwero - inishuwarenzi mudyandigere pensions, vari inopiwa kuvanhu vose kushanda mubayiro. The pamwero wechitatu - a tinofanira kugara chikamu mudyandigere, izvo zvinofanira kubvumira kusvika hwepamusoro. , Kwakadaro maitiro ane hakunei nouwandu vashandi uye pensioners kunowedzera uwandu vachibhadhara (nokuti anoshandisa accumulative chikamu mudyandigere), dzinovimbisa kukura refu upfumi ari upfumi tichiregeredza akaunganidza mari.

Zveminda vanowanika nokuda mudyandigere Fund premiums, mitero, nefuma kubva kwekanguva placement mari iripo mubhangi nyaya, mari kubva pakushandisa zvinhu, uye vamwe. The mari chikamu mudyandigere anoiswa pamusoro nomumwe nhoroondo pensioners. Kuti tiwedzere makwikwi akasika mudyandigere mari iyo hamuzi hurumende. Havasi pamudyandigere zvose vane mari. To musi, izvo pane vanenge 500 zviuru. Mari chikamu mudyandigere dzakava kubvira 2005.

Vagari vane kodzero yokusarudza apo kuchengeta mari dzavo. Vanhu vane mari vari mudyandigere Fund nhoroondo, vari kutanga mudyandigere. Vazhinji vari kushamisika kuti vawane accumulative chikamu mudyandigere? Kuti muna 2012 iri kutarisirwa, ayo anogona kuwana vaya zvaitambidzwa mari kuti mudyandigere mari, izvo vaiva ne private vanhu. Zvisinei, kwegore zvinhu nokuda kwokuripirwa pakati pensions mari kubva chinozivikanwa hwepachena mudyandigere Fund. Panguva ino pachaunga ari kushingaira MUFAMBISI gakava ichiwedzera mudyandigere musi. Chokwadi chokuti mudyandigere hurongwa achiri kuparadzira, modernized chete zvishoma. In nyika yedu nhasi mamiriyoni 75 rabotayuschihi mamiriyoni 88. Pensioners. kudzikira inotarisirwa. Huwandu akaremara vakawanda anenge mumwe-muzvishanu yose vakawanda, muna 2020 zvichaita akaenzana 25%, uye kubudikidza 2030, 30%.

Kunyange 2011, FIU mari vakapfuura zveminda mumwe tiririyoni rubles, uye gore rino (2012) zvakawandisa mari kuti 1.75 tiririyoni rubles. Izvi zvinogona kunzi idambudziko, dai zvisina denga-soro mitengo mafuta. Vamwe mukuru muhurumende vanodavira kuti yapfuura mudyandigere kuchabatsira kugadzirisa chinetso chacho. Asi maererano kazhinji akagamuchira kufungidzira mari kubva FIU mari kuwedzera ino zvakafanana 80 - 90 bhiriyoni rubles, zvisina akafanana dhefisiti.

Mumwe aigona nenzira vachibhadhara kusvikira inishuwarenzi uye mujinga chete vasiri kushanda pensioners pensions. Nokuda yakaderera mararamire mamiriyoni pensioners kumabasa, saka, aigona kugamuchira pensions zviduku. Zvisinei, hurumende angangotadza kuonekwa pamusoro kuderera, sezvo pensions uye mubayiro haawanzotauri vakwanise pensioners iri mari kutaura kukirasi pakati.

nezvoupfumi Vazhinji vanodavira kuti aifanira kuchinja kwakabva FIU, chikoro ichi kuti kurenda kubhadhara, uye zvikuru kudzora kushandisa chaiyo mari, kudzivirira misappropriation yavo. Asi chikuru chinogona rokuzadza kwemari chikamu mudyandigere Fund ndiye sangano maindasitiri matsva uye kukwezva vechiduku kuva vanoshingaira.