Pension Fund "Imvume": izibuyekezo zamakhasimende, emkhakheni wemisebenzi yezomthetho

Abantu abaningi uzama ukuba zinakekele ikusasa yabo siqu, futhi uma othile onganelisekile indlela lo hulumeni enza, bangakwazi noma nini ukuthatha ikusasa labo ezandleni zabo siqu futhi kulandele ikusasa uhlala engenazinkathazo. Kungenxa yalesi sizathu ukuthi eminyakeni yamuva kuye kwaba amasevisi esiphuthumayo enikeza amaklayenti ayo a "Imvume" Sempesheni esibhalisiwe. Izibuyekezo Customer awumthombo oyinhloko ukuze uthole ulwazi oluningi olubalulekile sendlela usebenze inhlangano nokuthi ingabe uyafisa yini ke uyazigcwalisa izibopho zayo.

Kulesi sihloko sizohlola lapho izinkonzo yilo inkampani njengabaphuma umsebenzi wakhe futhi ukuthi amakhasimende akhe ucabange.

OPS

umshwalense okuphoqelekile impesheni uhlelo lapho uhulumeni abahileleke ngokuqondile kumiswa umthombo ngezimali kwezimpesheni ngoba izakhamuzi zawo. Ngesikhathi esifanayo abantu abafuna imbozwe OPS, kungenzeka idluliselwe abantu oVikelwe, futhi esimweni umcimbi kwesamba, ezifana ukukhubazeka noma nje ukufinyelela uneminyaka efanele, ukuhlinzeka eminye izinzuzo izakhamuzi wahlanganyela Pension Fund "Imvume". impendulo kwamakhasimende kusikisela ukuthi okwamanje Isikhwama ngokuyisisekelo akwephuli nezibopho zayo, naphezu kweqiniso lokuthi abanye abantu bangase babe nezinkinga ezithile.

Obani labo oVikelwe?

Kulokhu, kwesamba oyisakhamuzi we Russian Federation noma kumuntu ohlala okwesikhashana endaweni WaseRussia uma:

• Isebenza ngokuhambisana zabasebenzi ihlanganiswe noma inkontileka civil;
• It has umsebenzi ezimele isofthiwe (ummeli, ummeli olungisa izivumelwano, noma umlimi noma usomabhizinisi);
• ukusebenza ngaphandle kwezwe, kodwa njalo okhokhela amaphrimiyamu kulesi sikhwama.

Uma umuntu emthola ngempela is insured, kufanele ethule umnikelo isitifiketi ohambelana, okuyinto apelwe idatha wakhe siqu, kanye nenombolo umshwalense ngabanye. Impikiswano isitifiketi umshwalense Kwenziwa emva isikhalo Pension Fund, noma esimweni ukuqashwa kuqala. Kuze kube manje, bangaphezu kwezigidi eziyi-100 eRussia bangabantu kwesamba.

izinkampani zomshuwalense

Yiqiniso, adiministratorom alawula Kulokhu iyona Russian Pension Fund, okuyinto uphatha yonke izimali zempesheni. Kodwa eqinisweni, zifana kuya kulesi sikhwama uma ngomshuwalense futhi ingenza imali yempesheni non-state noma izinkampani ukuphathwa abafanele, kodwa kuphela kumiswa okuthiwa impesheni uxhaso. I umshwalense ukwenza ngaphandle olwenzeka kancane kancane umshuwalense kusukela abantu insured futhi ngesikhathi esifanayo benza lezi zimali ngokusebenzisa izinkampani ukuphathwa utshalomali ezikhethekile.

Umuntu oVikelwe ngubani kuvikela impesheni uxhaso, uyakwazi ngokugcwele ukukhetha umshwalense ezophatha izimali, futhi abantu abaningi bakhetha Pension Fund "Imvume". Izibuyekezo Customer kugujwa izinkokhelo hhayi kuphela ozinzile futhi ngokukhula kwemali yebhizinisi okungaphezu, kodwa futhi isevisi professional enikeza usekelo amaklayenti ngamunye.

cofinancing

Ngokuhambisana nomthetho sisebenza kusukela 2009, egijima uhlelo co-ngezimali yempesheni ukuqongelela dolobha kule Russian Federation. Ngalesi izakhamuzi banethuba eliyingqayizivele ukwandisa umhlalaphansi yabo esikhathini esizayo, okwenza out isivumelwano inhlangano ezifana Pension Fund "Imvume". Izibuyekezo Customer ngokuvamile uqaphele le sevisi, njengoba ikuvumela ukuba kanyekanye ukuthola inkokhelo evela isimo futhi non-state sempesheni.

Ngaphakathi accordance nga lo hlelo, yimuphi isakhamuzi sinelungelo ukuze uthumele iminikelo ngamunye engxenyeni uxhaso. Uma iqhaza kulolu hlelo, wena unethuba lokuba kakhulu ukwandisa kwenkululeko ingxenye uxhaso impesheni esizayo. Kuyaphawuleka ukuthi zonke iminikelo eyengeziwe kabili eminyakeni engu-10 ezayo, kodwa isimo kuphela kuleli cala iyisingeniso ruble engengaphansi kwengu-2,000 ngonyaka. Futhi, kukhona owodwa - sikukhokhise inhlawulo kungenzeka ruble akukho kuka 12 000 ngonyaka. Kule ndaba, esiphezulu kungenzeka ukulungiswa kuya ingxenye uxhaso impesheni kusukela State ruble 120 000.

Ngokuhambisana federal umthetho umnqamulajuqu kokuthola izicelo wayephezu nge ekuqaleni 2015.

Ukusebenza kwezimali ze-non-state

Isikhwama "Imvume" futhi ikuvumela ukuba iqhaza uxhaso yokuzithandela, okuyinto ikuvumela kakhulu ukwandisa ingxenye Imininingwane sezikhalazo impesheni, usebenzisa hhayi kuphela nesanda isimo, kodwa futhi engenayo utshalomali, okuzoba njalo icala yesikhwama ku-akhawunti yakho.

Amakhasimende zivame ukubuza mayelana yini noma cha loluhlelo lutholakala kulabo umhlalaphansi abangafuni ukusebenza noma abasebenza okwamanje. Ngokuhambisana izinguquko umtsetfo lokhona uhulumeni sizodingida co-ngezimali iminikelo kuphela labo abahlanganyeli ongakayisebenzisi wathola impesheni ngokusebenzisa Pension Fund Russia, kodwa lesi simiso akuphazamisi abantu abeza hlelo ngaphambi kokuqala Okthoba 2014.

Yiziphi izinzuzo kwale sevisi?

• wenza iminikelo bayoqhubeka bekhula ngokuhamba kwesikhathi;
• ekugcineni ungathola ukwanda kuhle, kuhle kakhulu impesheni yabo;
• uthola engaguquki utshalomali imali, okukuhlinzekela sempesheni a non-state 'Imvume';
• Azikho imingcele ekutheni umuntu angawasebenzisa lokho kungase kube usayizi ezibanjwayo;
• isikhathi kanye nenani iminikelo, kanye nezinsuku kwakho iqhaza kulolu hlelo, ungakwazi ukuchaza ngokuphelele ngokuzimela;
• kungenzeka ukuthola intela ebanjwayo olukhethekile lemali ngasinye ozoyenza kule ngxenye yenu accumulative kwezimpesheni ngaphakathi kohlelo;
• izimali zanqwabelana kungenziwa ngofuzo yi ASSIGNEES kokubili ngesikhatsi isitoreji nangemva umuntu kwesamba umhlalaphansi.

ngempumelelo lesi sikhwama kanjani?

Impendulo evela kumakhasimende akunakwenzeka ukuthola ukuthi ngo izinombolo, yeka ukuthi kwaphumelela kanjani le "Imvume" Sempesheni esibhalisiwe. Uphenyo abameli - kuyindaba ezahlukene, njengoba laba bantu nokuhlaziya ngokucophelela izinkampani lanamuhla, futhi ungakwazi futhi iphazamise nabo zonke izinhlobo nokulingwa.

Ngokuyinhloko kuyafaneleka iqiniso lokuthi isilinganiso ejensi "Isazi RA" alinikeze inkampani i ezingeni eliphezulu kakhulu ngokuthembeka eselivele ukhuluma ngani igama elihle inkampani emakethe umshwalense.

izimali oyimfihlo noma isimo?

Ngokuyinhloko kuyafaneleka isivuno zanqwabelana inkampani, ilingana 30,55% kule minyaka emithathu eyedlule. Lesi sibalo kakhulu kokwalabo okuyinto okubonakale ukuphathwa inkampani isimo, ngoba phakathi nenkathi efanayo isivuno ezuziwe ngu% 15,95 kuphela ngokuhambisana izibambiso iphothifoliyo futhi 19,68% ngokuhambisana enwetshiwe iphothifoliyo yokutshala izimali.

9.84% ngonyaka inkampani uthola kusuka ku ukutshalwa kwezimali zempesheni, okwenezela akhawunti amakhasimende abo. Ngesikhathi esifanayo 11,44% - lokhu inzuzo, eye yasakazwa kuma-akhawunti ahlukahlukene impesheni ekupheleni 2013. Kuyaphawuleka ukuthi ngaleso sikhathi kuye kwaba esinye sezikhathi aphakeme phakathi kwazo zonke izinkampani ukusebenza kulo mkhakha. Ngesikhathi esifanayo ngo-2012 Isivuno kwaba 12.7% futhi imele eliphakeme phakathi kwazo zonke izinhlangano ezifanayo.

Ukuba umuntu owayezothatha isikhundla senqubo ngokulinganayo Isikhwama isebenzisa ngentuthuko ephumelela kunazo evumela ukunikeza izinga njalo eliphezulu senkonzo, kanye kuqhathaniswa okusezingeni eliphezulu, futhi ngesikhathi esifanayo esitebeleni inzuzo izinkomba etshaliwe ukonga impesheni, okwasiza ukukhiqiza ukwethembeka kanye ukuthembeka kusukela amaklayenti ukuze indlela "Imvume" Non-State impesheni esiKhwameni. Uphenyo abameli futhi asho ukuthi noma isiphi umbango nale nhlangano kukhona umyalo ezidlula kancane uma ziqhathaniswa nezinye izikhungo eziningi zezimali.

Njengoba inkokhelo eyenziwe?

Amaklayenti banikezwa ithuba impesheni uma kwenzeka ukuthi kakade efinyelela eminyakeni yobudala yokuthatha umhlalaphansi, kodwa ngaphandle ukuthi siphinde sihlinzekele nezinhlelo ezihlanganisa ekukhokhweni ingxenye uxhaso impesheni ngaphambi umnqamulajuqu inikezwe. Ngaphansi kwalesi sigaba iwe izakhamuzi omsebenzi wakhe ihlobene ekwakhekeni kwezinhlobo okulimazayo, noma labo abahlala nezimo kuqhathaniswa nokhahlo zezulu. Ngokushesha kufanele kuphawulwe ukuthi lolu hlu kulawulwa umthetho amandla, ngakho kufanele wayifunda phambi ukubukela futhi intuthuko umehluko wemisindo nemiqondo yamagama ahlukene.

Ukunikeza inkokhelo yesikhathi esisodwa kuzo zonke lemali anqwabelene kungenzeka kulezi zimo ezilandelayo:

• umuntu uthola impesheni yomhlalaphansi ngenxa ukulahlekelwa umondli noma njengendlela nokukhubazeka;
• It uthola impesheni ngokuhambisana impesheni ilungiselelo isimo, kodwa akukho kwencazelo ilungelo impesheni yokuguga umhlalaphansi ngenxa yokuthi akukho isikhathi umshwalense kudingekile;
• usayizi Imininingwane ezuziwe ingxenye yempesheni ifinyelela 5% we isamba kwezimpesheni ubudala.

inkokhelo ezisheshayo ngemva kweminyaka engaphansi kwengu-10 kungenzeka uma umuntu eyilungu uhlelo impesheni co-ngezimali kanye ngesikhathi esifanayo siqu imali yabo yempesheni kwakhiwa futhi sibonga iqhaza kuhlelo (ngamanye amazwi, ukwenza okwengeziwe umshwalense iminikelo engxenyeni uxhaso). Futhi endabeni ekuqongeleleni ezakhiwe ukusetshenziswa dolobha umndeni noma ingxenye ethile, ngeke ukunikeza izinkokhelo eziphuthumayo "Imvume" Non-State Sempesheni esibhalisiwe. Kungakhathaliseki ukuthi ujoyine uhlelo ezimweni ezinjena - kuba yokuzikhethela komuntu lomuntu ngamunye, njengoba abaningi izimo idatha ziyamukeleka ngempela, kodwa abanye abavumelani ngokuphelele asihambisani.

Indlela yokwenza inkokhelo?

Izimpesheni imvume ekuqaleni kwenziwe ngqo ehhovisi main, esemgwaqweni ku Leningradsky Prospekt e Moscow, kodwa kulabo bantu abakwazi ukwenza lokhu, kukhona ngokuthumela isicelo ngeposi noma nge impesheni esibulalayo esihambelanayo, engatholwa, uma uya kwi-website , okuyinto is owned by "Imvume" Non-State impesheni esiKhwameni. Kungakhathaliseki noma cha ukubandakanya Kulezo zimo - ukukhetha kuphela eyakho, ngoba sonke imibono ehlukene mayelana nekhwalithi yesevisi.

Ngokushesha kuyafaneleka yokuthi ungakwazi kakhulu kusheshiswe jikelele inqubo ngokucubungula uma kwenzeka ukuthi wenze i-call leyo nkampani abayisebenzelayo. Ngakho, uzokwazi ukufaka ama-kokubonisana ku ezicashile ezihlukahlukene isicelo, kanye isikhathi wokuma kwabo.

Ziyini izinzuzo zokusebenzisa lesi sikhwama?

Yiqiniso, abantu bavame ukucabanga lukhulu, futhi kungakhathaliseki ukuthi kubalulekile ukusebenza NPF "Imvume". Othile ujwayele akusho ukwethemba enye izikhungo zezimali, kuyilapho abanye uzimisele ukudela e inkampani enjalo, kodwa ngesikhathi esifanayo ukungabaza ngalokho ncamashi ukukhetha okungcono. Yingakho-ke kuhle ukucabangela ezinye zezinzuzo ezimbalwa esebenza esiKhwameni.

nenzuzo

Yiqiniso, inzuzo NPF "Imvume" ngeke ngqo incike inani olwenze kwimpesheni yakho esikhathini esizayo. Ngisho noma umehluko kuphela amaphesenti ambalwa ngonyaka iminyaka 20-30 uzokwazi ukwandisa impesheni ayo izikhathi ezingaphezu kwezimbili. Ngokusho imiphumela kule minyaka emithathu eyedlule, inzuzo enhlanganweni kuyinto 30,55%, okuyinto yalokho, kuhle kakhulu, ikakhulu lapho uqhathaniswa ipumelelo nezinye izinhlangano.

Wonke umuntu uyaqonda ukuthi into embi kakhulu engehlela esiKhwameni kanye zonke amakhasimende ayo - ukungabi khona ukukhula ukonga, kodwa ezisebenza izibalo kude kangaka libonisa ukuthi NPF "Imvume" akuyona ezisengozini, ngakho phakathi abalobi izibuyekezo nhlobo abantu abafisa sephule inkontileka.

Inkampani ezama ukusondela ngokucophelela ukukhetha izindawo ngoba utshalomali ukuze ahlinzeke amakhasimende ayo kanye ke bona imali kungenzeka kakhulu. Akukho imfihlo ukuthi yesimanje isimo imali amaqembu ezikhethekile zezimali-zezimboni, lapho ukutshalwa zenziwa ngokuyinhloko izithakazelo izinkampani ezinjalo kunokuba zimali. Ngesikhathi esifanayo, iqembu labaphathi kanye usihlalo weBhodi Evgeny Dobrovolsky (NPF "Imvume") azihlangene izakhiwo ezinjalo, ngakho zama ukutshala ukonga azithandayo namaklayenti.

Nge enkulu ukuphathwa isipiliyoni, kanye nokuqonda enemininingwane emasimini abo, ochwepheshe ukhethe izindawo kangcono utshalomali, njengoba kufakazelwa ezingeni njalo eliphezulu inzuzo enhlanganweni kuqhathaniswa izimbangi.

lula

Sebenza inkampani, ngisho kumpendulo yekhasimende, ukhululekile kakhulu, futhi ngaphezu kwakho konke ukuhlangabezana amasevisi amaningi professional. Vele ushayele noma ubhale incwadi abaphathi waqala ukusingatha umbuzo wakho. Abasunguli NPF "Imvume" olokhu ezama ukuqinisekisa ukuthi inkampani uye walungiselela inkonzo esezingeni futhi ukwandisa inzuzo. Uma uzokuba iklayenti lenkampani, kongoti bolwazi ngokushesha zilawule nanoma yikuphi ukukhathazeka ngekusasa lakho inhlalakahle, ngesikhathi esifanayo ukulawula isikhathi bebodwa kusho unga ngokusebenzisa ifoni noma impesheni esibulalayo ezikhethekile.

Amagatsha NPF "Imvume" ezikahle kulo lonke izwe, ngakho woza futhi uthole iseluleko noma ukuba abe ikhasimende ye inkampani kungaba ubani, kungakhathaliseki indawo yakhe yokuhlala. Lokhu nakho kwabaningi inzuzo ebaluleke ngempela.

ukuthembeka

Yiqiniso, lesi sibalo yamaprojekthi kutakhamuti yesimanje abanentshisekelo okunikezwayo kusuka inhlangano "Imvume". Pension Fund, isilinganiso zazo namuhla omunye esiphezulu phakathi izinhlangano ezifanayo, isebenza kusukela ngo-1994 futhi ingakafundiseki idumela lalo njengoba isakhiwo okunokwethenjelwa ngempela ngokwezimali, okuyinto kakhulu ngempumelelo enikeziwe namasevisi ahlobene ilungiselelo impesheni yangasese ezihlukahlukene izinkampani. Kusukela ngomhla ka-06.15.15 isamba ukonga impesheni enhlanganweni ifinyelela ruble 21 bhiliyoni.

Futhi JSC "Pension Fund Imvume" has share capital, inani okuyinto ruble ayizigidi ezingu-150.

Zonke izimali zempesheni aqinisekisiwe. On the "Imvume" namuhla likhona irejista izimali zempesheni yomphakathi futhi izimali zempesheni yangasese. Isivumelwano ukuthi ungena ngemvume nge inkampani, is insured ngumbuso, njengoba inkampani eyilungu uhlelo wokuqinisekisa amalungelo ngamunye umuntu oVikelwe.

sokwesulwa kwelayisensi

Kuyaphawuleka yokuthi abantu abaningi banomuzwa sengathi umsebenzi esiKhwameni kunqanyulwe ngokusemthethweni, kodwa eqinisweni akusiyo. NPF "Imvume" ilayisensi Ubuyise ngokuzithandela, njengoba abaphathi banquma ukuthi ukuthuthukiswa kokubili imali ezimbili okungalungile. Phezu ukuqedwa le layisensi nokulingana Isikhwama of the gama elifanayo yaqala ukusebenza njengokujwayelekile. NaYe yonke izibopho kanye namalungelo elihlobene ne-umshwalense ayimpoqo impesheni zidluliselwe kusukela APF, futhi ngenkathi umuntu kwanqunywa ukuba sephule inkontileka.