Ngaphansi ekuqongeleleni impesheni libhekisela izimali zanqwabelana ukuze kuzuze abantu kwesamba, sona sasungula amanye ingxenye yempesheni zabasebenzi kanye \ noma inkokhelo esiphuthumayo. Imuphi umhlali Russia zingakhokhelwa njalo ukuhlola inani ezibanjwayo. Ukuze ufunde indlela ukuthola imali yabo yempesheni, ukufunda ku.

Uhlolojikelele

Kusukela 2015 ngesikhathi izakhamuzi ukusebenza kwakhiwa umshwalense kanye nempesheni ukonga. Eyokuqala uhlukaniswe ezintathu izinhlobo: ukuguga, ukukhubazeka, ukulahlekelwa umondli. impesheni ukonga izinkokhelo ngokushesha, umuntu-off noma kokwehla. Amalungelo akhiwa ngesisekelo the okuza noma amaphuzu. Izakhamizi bangathola izinzuzo sokuguga uma:

• safinyelela 60 (amadoda) kanye neminyaka engu-55 (abesifazane), izigaba ezithile ungaqala ukwamukela izinzuzo ekuseni;
• isikhathi sabo umshwalense eseneminyaka engaphezu kwengu-15;
• inombolo okungenani amaphuzu zanqwabelana - 30.

Kwaphela isikhathi esingaphezu konyaka umsebenzi ngamunye ngesikhathi isakhamuzi kwakhiwa amalungelo impesheni ngesimo amabhola. Inombolo yabo incike impesheni samuntu. Ngo obumba isakhamuzi yokukhokha umshwalense kuphela icala amaphuzu 10. Uma izimali nazo ithunyelwe kumiswa ukonga - 6,25.

Abaqashi akhokhe iminikelo ngesilinganiso 22% yesikhwama inkokhelo. Ngu isicelo isakhamuzi lonke inani ingathunyelwa ku kumiswa impesheni. Kungenzeka futhi samuntu yesibili: 6% Inani uzoqondiswa kumiswa umshwalense, futhi 16% - ezuziwe ingxenye yokuthatha umhlalaphansi. Ukuzikhethela yikhona okuhamba izakhamuzi itholakala kuphela abazalwa ngemva 1966. Ukuqoqela ndawonye kwezimali lingashajwa:

• RF PF yinkampani ukuphathwa (CC).
• Non-state PD (APF).

Inhlangano ekhethiwe uzobe wahlanganyela ikhumbula futhi inkokhelo yemali. Kodwa izakhamuzi zokusebenza WaseRussia, nganoma yisiphi isikhathi ukuze uthole ukuthi ozongela umhlalaphansi ngoba SNILS. Ungenza lokhu ngezindlela eziningana:

• ukuthola isaziso eposini;
• Bhala isitatimende nge-akhawunti ngabanye;
• nge-Internet;
• legatsha Sberbank.

Ngo-December 2014 uMongameli we iRussia yasayina isivumelwano sokusungula isimemezelo ukunweba ukujanyiswa ukonga impesheni. Zonke izinkokhelo 2015 uzoqondiswa imali umshwalense impesheni. Kuzokwenzekani izinkampani ukuphathwa ku engacacile.

Wazi kanjani ukuthi imali yakho yempesheni?

Pension Fund uthumela ulwazi mayelana ibhalansi ye-akhawunti unyaka ngamunye bonke abantu baqala umsebenzi isipiliyoni, ngaphambi kokuthi siyikhiphe umhlalaphansi yabo. Emva kokuthola incwadi, hlola ngokunemba we idatha ngenhla: Igama eligcwele kanye nenombolo ye-akhawunti SNILS. Ngokusho idokhumenti, ungagcina ithrekhi ngokwethembeka kangakanani lo iminikelo umqashi wachitha ngonyaka odlule. Ukubuthelela iminikelo siboniswa isigaba 3 isaziso (i-SP - e 2nd). amacala umshwalense Digital kuboniswe esigabeni 15. Wazi kanjani ukuthi imali yakho yempesheni wonke umlando umsebenzi? Inani kwezimali ezibanjwayo ezimbili kuboniswe izigaba 4 no-16.

Futhi esazisweni uthi:

• isamba semali sidluliselwe PF ithemba ukuphathwa inkampani;
• ingxenye iminikelo okuye ohlwini njengengxenye izinhlelo co-ngezimali;
• inani inhlokodolobha womama, okuhloswe ngalo kumiswa ingxenye uxhaso impesheni;
• Ulwazi mayelana ezikhethwe CMO kanye iphothifoliyo utshalomali.

izaziso okunjalo ithunyelwa njengoba izincwadi elirejistiwe imelwe ukukhashelwa ezandleni zabantu iklayenti isignesha yakhe. Uma incwadi asikafiki, kumele mathupha uxhumane legatsha lendawo le PF isitatimende akhawunti.

Ngingasitholaphi ukonga impesheni ku SNILS?

Lokhu kungenziwa nge-Internet. Okokuqala udinga ukubhalisa kwi ingosi kwemisebenzi yomphakathi. Le nqubo ingase yephuze, njengoba izikhulu zazingafuni kumele achaze umsebenzisi. Lapho beqeda inqubo, ungaya "I-akhawunti yami", usebenzisa njengoba ngemvume SNILS inombolo. Le ndlela iyona elula kunazo futhi ephephile njengoba ungakwazi masinyane ukhiqize isitatimende nganoma yisiphi isikhathi.

Igatsha of Sberbank

Funda sokuzuza Pension Fund kungenzeka ngokusebenzisa ingosi lesikhungo credit. Kodwa okokuqala kudingeka ubhalise ohlelweni kolwazi lokushintshisana. Ukuze wenze lokhu, kumele ufake isicelo iyunithi isakhi Savings Bank ne-passport yakho, SNILS nokwenza isicelo ezifanele. Ngemva kokubhaliswa ulwazi egciniwe izotholakala in the "Akhawunti Personal" intanethi yebhange. Isicelo esinjalo ungalotshwa yisiphi isikhungo credit kuleli zwe, "Uralsib", "Ibhange lase-Moscow", VTB, "Gazprom". Nakhu ukuthi ukuthola imali imali yempesheni.

izindlela

Kunokunye ongakwenza, wazi kanjani ubukhulu imali yempesheni. Uma isakhamuzi izimali nonstate impesheni wakhethwa njengosuku ebusayo accrual nokukhokhwa kwezintela ukonga, enhlanganweni kanye nesidingo ukwazi ibhalansi ye-akhawunti yakho. Ulwazi iklayenti ungathola at siqu kanye SNILS ukuvakashelwa. Ezinye NPF ukunikezela le nsizakalo njengoba inkonzo ekhethekile ngemali ethile.

ukuvikeleka okungeziwe

Ngenxa likwazi ukuhlalisa inani elandayo amacala okukhwabanisa, uhulumeni buyaqhubeka ukulawula ukudluliselwa kwezimali phakathi PF. I Abantu baseRussia baqala ukuthola ngezikhalo ukudluliswa okungagunyaziwe imali. Indoda silungiselela boleko umkhiqizo umthengi, ihlinzeka SNILS ikhophi iphakethe kwemibhalo, bese, ezinyangeni ezimbalwa kamuva, is waziswe nge-imeyili mayelana ukudluliswa kweemali PF ezingekho ngaphansi kukahulumeni. Ngokusho idatha wokulungiselela, isibalo izakhamuzi niphanjwe ngale ndlela abantu abangaphezu kuka-26 eziyinkulungwane.

Kodwa ngisho noma ngabe wamukela incwadi ukudluliswa kweemali, ningatatazeli. Inkinga ingaxazululwa. Kodwa abe run kancane emhlabeni uchungechunge umyalo. Kumelwe ubhale isitatimende ku-PF yangasese sokuqeda inkontileka. Futhi ngisho kangcono ukukhononda ngokuthi iziphathimandla komthetho. Khona-ke SPC kuyodingeka ukuba zihlolwe Central Bank on the ukuthembeka.

Okwamanje, uhulumeni uzama ukushintsha imithetho nezinqubo sokuvuselela. Uma ngaphambili kwanele usayine inkontileka ka ikusasa ngomshuwalense, manje kudingeka ukwazisa ngokubhala le PF ukudluliswa yokuzithandela izimali kwenye inhlangano. Kakade okulungiselelwe izikhala kanye amasampula izitatimende ezinjalo.

Amanye amazwe CIS

Idatha impesheni ukonga nge-intanethi angathola hhayi baseRussia kuphela. Kusukela 2015 isikimu okuqala aqala ukusebenzisa e-Republic of Kazakhstan. Ngingasitholaphi ukonga impesheni? Through isicelo esikhethekile mobile for Smartphones kanye amaphilisi. Kusukela 2013, zonke izinkokhelo umshwalense yezakhamuzi ithunyelwa akhawunti JSC "Single accumulative Pension Fund". umninimasheya Its uhulumeni lapho sibhekene Minfinansov uphinde uphathe imali yabo iyoba National Bank.

Wazi kanjani ukuthi imali yakho yempesheni? Udinga ukulanda lokusebenza kusuka esitolo online. Khona-ke, vakashela uMnyango we PF, uthola login nephasiwedi. Isicelo ugijima on ejwayelekile https-protocol ngoba nge-SSL izitifiketi. Ngo inqubo ukugunyazwa ulwazi iklayenti ukujovwa nge ENPF iseva. Emva ukulanda isicelo kuvula nge bar imenyu. Esikhathini "Idatha Bank" futhi yanikezwa imininingwane, okuyinto bephethe ekuqongeleleni. Hlela lemininingwane akukwazi. Bheka "Isitoreji wami" siqukethe izitatimende. Ungabuka ulwazi izinkontileka yokuqeqeshelwa, yokuzithandela futhi professional ukwesekwa. Ngokuchofoza ezifanele umugqa akhiphe livela inombolo ye-akhawunti (IPA).

Through isicelo, umsebenzisi Ungahlola futhi uhlu amagatsha, amakheli abo kanye namahora okuvula, ukuthumela ama-imeyili, uphathe izilungiselelo zokuphepha, ushintshe iphasiwedi yakho nolimi.

isiphetho

Umqashi ngoba isisebenzi ngasinye ukhokha iminikelo esikhwameni sempesheni ngesilinganiso 22%. Kusukela 2015, lonke inani siqondiswe kumiswa angabonelela isevisi eside. izakhamuzi Russian ingakwazi ukuqapha inani ezibanjwayo ezinjalo. Ngazi kanjani lapho izimali zempesheni? Ungafaka isicelo kwi-isikhwama akhiphe ukubuka akhawunti ezilinganisweni inthanethi nezinsizakalo zomphakathi, noma "Dashboard" ebhange.