Sezvo akaumba mudyandigere

Nokuti vazhinji nyaya zvikuru inokosha inotevera: kuti mudyandigere aumbwa? Ndezvipi zviri, ko umbwa? Ndezvipi zvakanakira nekuipira asiri ehurumende uye voruzhinji mudyandigere mari?

Moral kodzero kunyatsozorora munhu wose, zvinoreva kuti basa boka iri kupa pamusoro kwoupenyu hwangu. Uye pano hatisi kutaura pamusoro chii kambani pachayo inofanira kupa vagari - izvi zvinoitwa tichiregeredza yacho mudyandigere Fund, umo fanira mipiro. On muganhu Russia kuchaja, inotungamirwa uye kubhadhara pensions zvinoenderana Federal Mutemo "On basa pensions muna Russian Federation." Kuongorora kuti mudyandigere aumbwa, zvinofanira kutaurwa kuti zvinogona kwete chete fanira. Inogona vaisanganisa yokuzvidira, kureva, kushandisa mari akaisa mune private mudyandigere mari. Panguva fanira mudyandigere kunongova dzakawanda, anoti: mudyandigere mudyandigere urema, kukwegura, kana kurasikirwa. The nemamiriro mudyandigere mudyandigere rine zvikamu zvitatu: nechigadziko, mari uye inishuwarenzi.

The chikuru Chikamu basa pensions

Masangano kunyorerwa mari kwemarongerwe evanhu mutero vashandi. Inenge hafu nzira idzi chakasvitswa kuti mudyandigere Fund. anotamisa izvi hazvina kunyoreswa, havasi kushumira senhengo mari zvipo, saka mari vakashandisa mari kubhadhara pensions kuti mamiriro pamudyandigere. kubhadhara ava inokosha chikamu basa mudyandigere uye kuiswa maererano pachiyero mupenyu mubayiro uye bhajeti, uyewo kumhanya mitengo kukura. Mujinga mugove haisi sei kukura mari uye ukuru, zvingava kuripa kuvatorwa kana ndeyedu vanhu vaigara zvachose mundima weRussia.

Ko mudyandigere: chikamu inishuwarenzi

Kusiyana nechigadziko, inishuwarenzi chikamu mudyandigere unesungano chairo munhu, saizi yaro iri pakutsvaga reshiyo pamusaka mipiro chitsama kutarisirwa musi muripo. The mushandirwi akaita mipiro mudyandigere mipiro pamwero wenyika 8-14% of taxable uwandu nomumwe mushandi mumwe nomumwe, uye mutero huwandu harisi muhoro chete, asi vamwe mari kuti dzave akapedza zvino pamusoro mushandi.

mari mudyandigere

Zvakafanana kuverenga inishuwarenzi chikamu Zvisinei, akazviunganidzira uwandu raanotaura pachinzvimbo mudyandigere guru. Nokuti mumwe nomumwe, mari idzi raanotaura chaiyo chikamu nhoroondo. The chinosiyanisa zviri mari chikamu anogona kunzi chii anoiswa pamusoro zvakasiyana inivhesitimendi zviridzwa. Inogona kuchinjwa kupinda ose mari Kutarisira, uyewo kuti mari securities. kushanda ose mugari ane mukana nokuzvidzora kutarisira mari chikamu, unogona vasarudze kushanda chairo mari, uyewo kutamira kuzvidzora kune imwe kambani kana homwe.

Zvinobatsirei? Zvose zviri pachena, hurumende mudyandigere Fund - zviri kura muchina, saka unofanira nguva kusarudza pamusoro yavaive mari, uye mhinduro pachavo anowanzoshandurwa kubatwa yakananga inosimbiswa, asi chaizvo mari shoma zviridzwa. Non-mamiriro mari uyewo zvisingapindirani kuti nokukurumidza sezvinobvira kutora zvisarudzo nokupa hombe siyana nzira uye nemigove mumabhizimisi kuti inivhesitimendi. NPF ichangotanga mabasa ayo. The zvemitemo framework iri nyaya iri zvakakwana yakatanga, uye mari vari vaduku zvikuru, asi munguva yemberi Ichashandiswa mari kuti pamudyandigere.

Saka, zvino zvinova pachena kuti mudyandigere aumbwa.