Kufanele yini ngiye ku yesikhwama sempesheni? Izinzuzo Ububi

Kufanele yini ngiye ku yesikhwama sempesheni, uma kuziwa ezindleleni ukuvikela yobudala enesizotha ubudala? Yiqiniso, inkinga namuhla kuyinto ebaluleke abantu oseqinile. Futhi ezithile kubo benza akukho ukukhohlisa mayelana lokuthi uhulumeni uyosinika konke usizo kungenzeka ekuxazululeni le nkinga. Yebo, endaweni enzima kusukela iphuzu kwezomnotho umbono, izimo isakhiwo amandla ezamenyezelwa iziqinisekiso nomphakathi, kodwa abantu usadinga ukulungiselela phansi kusengaphambili ukuba asikho isidingo, uya ngeholide. Kodwa ungakwenza kanjani na?

Omunye izixazululo inkinga

Ukuze kwenziwe ngcono inhlalakahle abadala nje adalwa izimali zempesheni yangasese (NPF). Yiqiniso, babengakwazi izolo, kanti abaningi bethu bayawazi ukuba khona kwalezi.

Ngesinye isikhathi, ngisho umkhankaso ukukhangisa nomkhankaso omkhulu, ekuhloswe ngalo ukuheha ukutshalwa kwezimali ngaphezulu isakhiwo ngenhla. Kwabahola impesheni waqala knock emnyango abantu futhi ebakhuthaza ukuba ahileleke emikhubeni esimisweni esisha. Yingaleso sikhathi-ke kwaba khona umbuzo: "Ingabe kukufanele lokho ke ukushintshela sempesheni yangasese" Ukuze uqonde, kuqala ukunquma ukuthi lena inhlangano engokomthetho.

Umcabango

Njengoba wazi, wonke umuntu lufakwa akhawunti impesheni. Sisebenza, thina uklonyeliswe ke, ingxenye okuyinto uya yesikhwama sempesheni, okuyinto ihambisa ifa eziphathekayo, futhi, ngokwengxenye ukuqongelela phezu ingxenye accumulative impesheni. Ngakho abantu bebodwa ukuhlinzekela sebegugile.

APF isakhiwo zomthetho lapho kuyaqashwa ngokucophelela nguhulumende. Kulokhu, zonke iminikelo ukuthi bangene ke kwesamba. Ngakho-ke, uma kwenzeka ngokuphazima kweso ukuthi NPF kuzonyamalala emakethe, imali yabo izimpahla ngeke ngokuzenzakalelayo kudlule isimo sempesheni imali. Nokho, umuntu kufanele acabangele elandelayo: NPF inikeza utshalomali afanele izimali emabhange securities, wezinkampane zomphakathi, zifakwe ebhange, ama-akhawunti credit izikhungo kanye nezinye.

Ngokwemvelo, lokhu kusho isakhamuzi kuba acebile ngenxa ukutshalwa ezinjalo.

Ukuze noma cha ukuba?

Ekucubunguleni ukuthi bathuthele-Pension yangasese, kubalulekile ukuqonda elandelayo: usayizi nezinzuzo zezenhlalo abantu abaya ngeholide esikhathini esizayo, siqukethe izingxenye ezintathu. Basic (6%) - yakha izinzuzo esezigugile (amadoda aneminyaka engaphezu kwengu-60 ubudala futhi abesifazane phezu 55 iminyaka). Umshwalense (14%) - zanqwabelana ku-akhawunti yakho ye-umsebenzi, kodwa ekugcineni walaliswa "kudliwa" by nokwehla kwamandla emali. Okunqwabelanayo (2%) - kuhlose ukubhekelela izinga ngesisekelo indaba ka umhlalaphansi esizayo. Kuyinto yokugcina izingcezu ngenhla yokukhokha yezenhlalakahle kubaluleke ezinkulu. Ngokwemvelo, ngesilinganiso 2% akwanele umuntu ukuba ezibonakalayo ngokuqinisekile wezwa ubuhlungu obungakanani lapho waya ukuphumula okufanele. Ngokuqondene APF, base okuyingxenye it is hhayi ukukala 2% kanye no-6%. Yiqiniso, le ngxenye icacisa umbuzo noma cha ukuya yesikhwama sempesheni. Kodwa nokho, uma izixazululo ezikhona kokubili nangokumelene. Sibala kwamasonto ayinhloko.

Okuhle

Abanye ochwepheshe, lapho bebuza: "Ngihambe ku NPF", ngokuqiniseka athi: "Yebo!" Kungani?

Okokuqala, izinkokhelo zenyanga kuyoba hhayi kuphela iminikelo abantu, kodwa futhi ingxenye yemali engenayo, ezakhiwe amafa etholwe by imali supply imali okuyinto. Nokho, kokunquma ukuthi ukuya izimali zempesheni futhi iziphi izinzuzo kungenziwa kulomthombo, kubalulekile ukubheka lokhu okulandelayo: kwinkontileka, ezimweni ezingajwayelekile, safaka margin inzuzo, njengoba kucombela kutsi simo ozokhula emnothweni ezimakethe zomhlaba, futhi yiziphi umphumela ukugembula kunzima kakhulu.

Inzuzo ebalulekile kubhekwe sokuguga izinhlinzeko zoMthetho wamaZinga hlelo nokuthi inikeza ukuze kulondolozwe amafa etshaliwe, uma amanye amaphrojekthi kuyoba ezingenanzuzo, imali ku-akhawunti amaklayenti lokhu ngeke kwehliswe ngoba isakhiwo ivala umonakalo kusuka izinqolobane zalo siqu.

Ungabaza noma ukuya NFP? Kungase ukunikeza wena uqiniseka ukuthi uma kuzokuba khona uguquko emakethe yezimali, isakhiwo ngeke ayishiye zingagadiwe futhi ulungise isu investimenti ngonyaka, ikhumbula Amathrendi abasafufusa.

nebubi

Nokho, kukhona eziningi ochwepheshe, owabuza: "Sikhona yini isidingo sokuba angene Isikhwama yangasese yempesheni", unganqikazi ukuphendula kule negative. Kungani?

Okokuqala, uma onyakeni wezimali kuyoba esingathandeki, kwaba-ke notshalayo kalutho zazo ukuzinza imali ayikwazi ukuhamba nokukhuluma.

Okwesibili, uma isakhiwo ngenhla ngasizathu simbe ulahlekelwe ilayisensi yayo, akubona ukwedlulisela izimali nezinye izimali nempesheni izimali nezinqubo zithwalwe depositor. Yebo, lezi yokuntula ayikwazi kubhekwe abalulekile, kodwa sikujabhise, kodwa izinzuzo nakakhulu. Yiqiniso, inkinga ukuthi bathuthele-Pension yangasese kuyadingeka, omunye kumelwe anqume umuntu ngamunye.

Izici nezinqubo

Kwabaningi, akucaci: "Inguquko kusukela FIU ukuba NPF - ilungelo noma isibopho" Ngokwemvelo, akekho kungenziwa ophoqelelwe isebenzisa le nqubo, njengoba kwenziwa ngokuzithandela. Ngaphezu kwalokho, isicelo ezifanele kwathatha abadlali non-state kungaba ngasiphi isikhathi sonyaka, kwenziwa njalo ezinyangeni ezingu-12. Umbhalo kufanele kube impoqo ukuze ukhombise inhlangano, okuyinto bayozibuthela ingxenye accumulative impesheni.

I-oda we inqubo

Awazi ukuthi ukuya yesikhwama sempesheni? Ingabe lokhu okulandelayo:

1. Chaza isakhiwo, lapho ithemba kakhulu. Hlaziya kobufakazi zabantu abaye atshalwe omunye NPF, hlola ukuthi mingaki iminyaka emakethe, ikhona, futhi ubheke ku- imibhalo esemthethweni yenkampani.

2. Ngena ngemvume inkontileka ehlinzekela umshwalense ayimpoqo yempesheni, bese ibheka umbhalo ngokuningiliziwe. Lowo Mbhalo wangonyaka we kufanele kubekwe ngendlela ecacile, kungakanani futhi kanjani ngokuvamile kudingeka enze iminikelo. Ngaphambi ufake isiginesha ku idokhumenti, akusiyo engadingekile ukuthuthukisa nabasebenzi uhlelo ngabanye impesheni, okuzokwenziwa ezinophawu samuntu izinombolo eseduze zokulungiswa yabo, kuye amathuba impahla ye impesheni esizayo. Nezimo replenishment ukonga - ingenye izimo ezikahle kwikhasimende.

3. Esikhathini esiyiminyaka uDisemba 31, ikheli indawo igunya RPF isitatimende mayelana kwathatha NPF.

4. Linda kokukhishwa kwesaziso esibhalwe phansi ngesinqumo.

Manje unombono sendlela ukuya yesikhwama sempesheni.

Izindlela ukuthumela imibhalo

Isitatimende ungakwazi kudlule mathupha FIU. Qiniseka ukuletha SNILS futhi iphasiphothi. Futhi ungakhohlwa ukucela irisidi okuhambisanayo kokuthola amaphepha.

Thumela nesitatimende kwathatha NPF kungenzeka futhi ngokusebenzisa uhlelo MFC.

Akungqubuzani ukubhekana idokhumenti oshiwo ngenhla ngeposi. Kulokhu kumele usebenzise inkonzo incwadi zibhaliswe ne isinamathiselo nesaziso.

I imvilophi uzodinga unamathelise efayiliwe kwifomu ekhethekile isicelo, ikhophi yaleli ipasipoti SNILS.

isiphetho

Abantu abaningi bayazibuza: Izoba enzima neyinkimbinkimbi design impesheni ukuba NPF? Futhi ingabe kuwukuhlakanipha yini ke? Nanti elinye negagasi impesheni esizayo. On the lokuqala singasho kugcwale umlomo ukuthi ushintsho ngeke uyithathele iklayenti eziningi umzamo nezinzwa. Ngokuqondene yesibili, kumelwe unqume ngamunye yena, ngemva ihlaziye ngokucophelela ngobuhle nangobubi bawo.

imicabango yabantu Ochwepheshe 'ngalolu daba zihlukaniswe: abanye bathi NPF - siyindlela esikhulu ukwakha isisekelo esihle sesikhathi impahla ezindala. Ukuba yinkimbinkimbi kuphela ukuthola inkampani eliqinisekile ngokukhalipha tinkhombandlela ukuba izimali zakho. Kungenjalo, impesheni ngeke enikeziwe. Abanye batusa ukuba basheshe futhi bacabangele nezinye okukhethwa kukho ukutshalwa kwezimali, zazo zikhona manje abaningana. Ngokwesibonelo, ungakwazi ukutshala ama-asethi imali izibambiso, ingcebo, ukusizakala PAMM-akhawunti nokunye. Dlulisela noma cha ukuze uthumele yempesheni NPF? Nquma ngokwakho!