SPF: ihe na-ahọrọ? Fim, reviews

The translation nke kwụrụ ụgwọ akụkụ nke ga-eme n'ọdịnihu ụgwọ ezumike nká onyinye NPF mma elekọta ụmụ amaala nke Russia site na 2014, bụ mgbe e nwere mgbanwe Pension Fund nke Russian Federation. Ebe ọ bụ na 2014 na ụgwọ ezumike nká na Russia e kewara abụọ ige: ego na insurance premiums. Na-arụ ọrụ nke mba na ezumike nká ohere ịgbanwe "eke": ahapụ ego na mkpuchi uru ma ọ bụ itinye ego ha na-aghọ a ahịa nke na-abụghị mba ụlọ ọrụ.

Olee otú bụ ụgwọ ezumike nká na Russia?

Citizens anata "na-acha ọcha" ụgwọ ọrụ (ukara ọrụ na-enwe kwa afọ ego na ụtụ isi na Pension Fund) na-isiokwu n'elu-eru ezumike nká afọ na-enweta uru si na ala - a ebighi-ebi ego nkwado. Na 2014, ndị ụgwọ ezumike nká usoro na mba-arahụ site a reorganization, na 22% of insurance premiums ugwo site na onye nwe ulo na Pension Fund nke Russian Federation nke ọ bụla ọrụ, pụrụ kpụrụ na-eso ụzọ:

• 16% galako insurance akụkụ nke na-elekọta mmadụ na emefu, 6% bụ ọrụ ego onyinye, bụ nke ọ ga-enwe ike inweta (n'okpuru indexation, ma ọ bụrụ na mere ntughari ka NPF) a Ukwu ego na ezumike nká ma ọ bụ na-agbasa ha rida kwa ọnwa ịkwụ ụgwọ;
• naanị insurance akụkụ: 22% of 22% nke na o kwere omume (echiche ojuju nke guzobe nke cumulative òkè (0%) na afọ ofufo nkwenye nke nwa amaala ma ọ bụ ndị na-ejighị n'aka na ị na-ahọrọ NPF - "nkịtị").

Ọ bụrụ na ikpe nke mbụ variant nke ga-eme n'ọdịnihu pensioner anọgide na iji chọpụta SPF (nke na-ahọrọ), mgbe ahụ, bụrụ na nke ọdịda nke ego ọ na-akpaghị aka Site n'ibu ẹkenịmde onyinye na steeti na-arụrụ ọrụ (na-aghọ a "nkịtị ụdị" - a ahịa na-adịghị butere na nkeonwe ego na na-na-uru nke ya ohere ntọt ụgwọ ezumike nká).

Ònye nwere ikike agafeta kwụrụ ụgwọ akụkụ nke ụgwọ ezumike nká

Mee ka mgbanwe na NPF, azọpụta 6% maka ego dị na mkpụrụ nke na-abụghị mba ụlọ ọrụ nwere ike ọ bụghị ụmụ amaala niile nke Russian Federation:

• mụrụ tupu 1967 enweghị ike ịgbanwe size nke insurance akụkụ, ha nwere ohere a onwe program, kwubiri ke kpuchie nke ngalaba-ego nke ezumike nka, nke nwere ike jikọọ na RF Pension Fund ụlọ ọrụ ma ọ bụ onwe ụlọ ọrụ;
• ndị ọzọ nke afọ iche iche dị a nhọrọ: ịnọgide "nkịtị ụdị", ma ọ bụ na-eme n'ọdịnihu n'ime ha aka, na-anwa profitability nke ụgwọ ezumike nká ego na fim site ego credible.

Jiri nri nyefe nwere ike ịbụ na-anabata ndị niile na ụmụ amaala nke afọ otu (nke na 2016 gburu karịa 49 afọ) na 31 December 2015. Ndị ahụ na-site na January 1, 2014 onyinye maka Pension Fund na Ops maka oge mbụ, ndị ọchịchị na-akp oke tupu ọgwụgwụ nke 2018. Ma ọ bụrụ na ha afọ n'oge nke mgbanwe bụ ihe na-erughị afọ 23, ntughari ka mkpebi na-edebe ruo mgbe ezumike nká "afọ."

The Pension Fund bụ dị iche iche si na-abụghị mba sịrị?

N'enweghị obi abụọ na NPF (nke na-ahọrọ, na-kacha ego na obi ike n'ebe na-ezumike nká), mkpuchi ụlọ ọrụ, ndị ahịa na-echefu na, n'adịghị ka ndị na-abụghị mba ego, na RF Pension Fund emesi kwa afọ indexation nke onyinye, gbanwee maka onu oriri. N'agbanyeghị ihe ọ bụla ọnọdụ ego ndidi ke mba, insurance ụgwọ ezumike nká a ga-akwụ ụgwọ na jupụtara na nweworo mmasị.

SPC anaghị ekwe nkwa 100% na mkpụrụ gbakọọ na aka n'ime nkwekọrịta Ops ịnọgide n'otu ọnụego n'oge indexing oge. mkpụrụ ọnụọgụ-adabere na ọnụ ọgụgụ nke ndị ahịa, uru nke ego Pọtụfoliyo, mkpokọta olu nke ịkwụ ụgwọ nke ezumike nka enweta ego òtù na mpụga ihe: onu oriri, mpi na ahịa nke ụgwọ ezumike nká mgbanwe (na 2015 ndị Central Bank NPF iri n'okpuru pụrụ iche akara). A onwe ụlọ ọrụ na ikpe nke na-adigide mmepe awade a ohere dịkwuo ìgwè ọtụtụ ugboro ma ọ bụ na-a "ọtọ" ego jichie onyinye (ọjọọ profitability).

Fim NPF-2016 na ụkpụrụ nke profitability

The elu zaa na-abụghị ọchịchị ego, ndị ọzọ mara mma ya anya ka n'anya nke ndị ahịa. Top NPF (top 5) iji hụ na kasị elu pasent ego maka nyochaa oge (ewere n'ime akaụntụ kwa afọ nkezi):

1. JSC "OTF ha. Livanov" (12.9%).
2. "European PF" (12.4%).
3. "Ural Finance House" (11.4%).
4. "Education na Science" (11.1%).
5. "Education" (11%).

Rating profitability nke APF na accrual ndabere bụ dị iche iche:

1. CJSC "Promagrofond" (17.3%).
2. 'Ịnakwere' (12.7%)
3. "Igwe Ọdụdọ" (12.2%).
4. "European PF" (10.9%).
5. "Sberfond" (10.2%).

profitability rankings ekwe ịhọrọ NPF, cumulative akpata ga-ezute na-atụ anya nke ịnshọransị.

Gịnị NPF kasị pụrụ ịdabere?

Mgbe ị na-ahọrọ a onwe penshion ụlọ ọrụ na-arụ ọrụ dị mkpa NPF pụrụ ịdabere kọwaa afọ ofufo na-ekere òkè nke ụlọ ọrụ na ogo nke onwe ha ụlọ ọrụ.

The kasị akpa nnyocha ụlọ ọrụ na ubi nke ezumike nka matara dị ka "Expert RA" na "RA National".

List of NPF, nke e kenyere Wezuga elu (A ++), larịị nke ntụkwasị obi nke "Expert RA":

• "Diamond mgbụsị akwụkwọ."
• "Atomgarant".
• "Ịdị Mma".
• "Welfare EMENSI".
• "Ukwu."
• "Vladimir".
• "VTB PF".
• "Gazfond".
• "European PF".
• "Gaa Finance".
• "National".
• "Neftegarant".
• "Gazfond ezumike nká ego."
• "Promagrofond".
• "SAFMAR".
• "CSG".
• "Ego Bank".
• JSC "Surgutneftegaz".

The fim gị n'ụlọnga "National" emewo bipụtara ya ndepụta nke NPF, nke na-ego ike (Aaa), na izute ntoolite depositors.

Ọ na-agụnye 9 ụlọ ọrụ, nke 6 nke nke na-ghọtara site abụọ ụlọ ọrụ kasị pụrụ ịdabere na:

• "Ịdị Mma".
• "European PF".
• "Gaa Finance".
• "Neftegarant".
• "CSG".
• "Ego Bank".

Tụkwasị na nke a na mba nke "Expert RA", OAO "Telecom-Soyuz", na-abụghị ndị ọchịchị ego "Ike" na "Lukoil-Garant" a na-gụnyere na 9 kasị adigide na òtù na itinye ego ezumike nká ego.

Rating nke "ahịa-centric" na-abụghị mba ego na njedebe nke 2015

Echiche ga-eme n'ọdịnihu pensioners ndị nyere nkwekọrịta na Ops nke na-abụghị mba ụlọ ọrụ, na-etinye mgbali na nwere ahịa Fund. Na-adịghị mma reviews na net na-ahapụ ahịa NPF, ese depositors na-eche banyere ụzọ ọpụpụ si amasị Fund natara mkpesa nke sonyere nke insurance nkwekọrịta.

Companies lekwasịrị anya nlere Ops na oru Ngo ọnọdụ, kwesịrị obi ike nke depositors na-enwe ọnọdụ nke "ahịa-centric".

"The Voice" ahịa - Top 5 na-abụghị mba ego na 2015:

1. "European PF" (3.8 nke 5).
2. "Future" (3.2 si 5).
3. "Welfare" (2.9 si 5).
4. "Kit Finance" (2.6 si 5).
5. "Promagrofond".

Of enyemaka nke ụlọ akụ ụlọ ọrụ ndú na àgwà nke ndị ahịa na ọrụ na 2015, ọ na- a na-abụghị mba, "Sberbank" enweta ego, nke akụkọ ihe karịrị 14% ahịa òkè na 243,3 ijeri rubles nke ụgwọ ezumike nká ego (1st ebe).

Ozi ọzọ nke kwesịrị ntị mgbe ị na-ahọrọ a onwe penshion enweta ego

Ọ bụrụ na, mgbe ị na-atụle niile rankings, azịza nke ajụjụ bụ "Gịnị bụ mma NPF? Which ịhọrọ?", Ma, ga ntị ka nke abụọ ihe na-akpali uche nke nzukọ.

Firstly, na afọ a onwe ike. Ọ bụ ezie na ọhụrụ na 88% nke na-enye ndị ọzọ mara mma ọnọdụ (mkpụrụ nke 10% na ikike wepuÚ gị n'ụlọnga na ụlọ), ahụmahụ na mkpuchi azụmahịa na-ekere òkè. N'etiti ego, na-eduga na ndepụta nke ihe nche na profitability, "newcomers" ndị na-arụ ọrụ ihe na-erughị afọ 3, ọ dịghị. Nke a abụghị "iji ike emegbu mmadụ" na ike mpi na iwu nke "njigide" (ịnọgide ahịa eruba n'ogo nke gara aga mgbe na a elu index nke afọ ojuju) karia adọta ihu ọhụrụ na niile ụgwọ (wayo, ekwesighi).

Nke abụọ, na mma nke online ọrụ. "My Akaụntụ" Ops ngo ga nwere ihe bara uru interface (nnukwu ihe oyiyi, na Russian menu, ikpochapụ novice ọrụ) na kacha emeghe ohere ọmụma (karịsịa nkwekọrịta, akụkọ nke NCHP arụmọrụ). Ala n'ime obodo ọrụ dịghị mkpa ileta ahịa ngalaba.

Nke atọ, ọnụ ọgụgụ nke ndị ahịa. Mgbe ọrụ nke a onwe onye chọrọ na-uru nke 500 puku ndị mmadụ ma ọ bụ karịa -. Ọ na-ekwu abụghị naanị ihe ịga nke ọma nke insurance mmadụ, kamakwa banyere ntụkwasị obi enweta ego.

The nhọrọ na-mere: otú nyefee ezumike nká ego na NPF?

Ọ bụrụ na ajụjụ na-eme nke NPF (nke na-ahọrọ maka nyefe nke ụgwọ ezumike nká LF), esesịn a kpebiri, mgbe ndị ọrụ E nwere ihe ọzọ nsogbu: otú nyefe na ụgwọ ezumike nká na a onwe enweta ego?

Iji gbaa ihe nkwekọrịta NPF Ops, ị ga-akpọtụrụ ụlọ ọrụ nke ndị na-abụghị ndị òtù n'ebe aha. Nke akwụkwọ na naanị a paspọtụ ma SNILS. Mgbe na-ede n'akwụkwọ a na-nye ndị ahịa na aka a oyiri nke nkwekọrịta, na egosi ọchịchọ nyefee ụgwọ ezumike nká ego si RF Pension Fund na NPF.

Ma n'ihi na a ikpeazụ nyefe ọzọ enweta ego NCHP mkpa nkwenye na Pension Fund nke Russian Federation. Nke a nwere ike mere na ọtụtụ ụzọ:

1. Mgbe onye nleta PF Russian site na-emecha ihe ngwa ụdị na nkwenye nke nyefe.
2. Ikwado na nọmba ekwentị na Ops nkwekọrịta (ma ọ bụ "nzaghachi" si track center ọkachamara APF).
3. Izipu nkwenye site e-mail ma ọ bụ na ụdị SMS-ozi.

Na 2016, 25% nke na-abụghị mba ego (dị ka SPF "Sberbank") na-enye iji gosi na nkwekọrịta na nyefe nke NCHP "na-enweghị na-ahapụ ụlọ ọrụ": na ndebanye Ops ahịa maka 2-5 nkeji na-abịa ihe SMS-ozi na koodu, nke a ga-kọọrọ ndị faili. Officer abatakwa koodu omume - na okwu na-akpaghị aka zitere ka FIU. Re-nkwenye na a onye nleta Pension Fund of Russia a chọrọ.

The nuances nke ntughari ka NPF

Ịsụgharị ụgwọ ezumike nká ego mgbe ọ bụla ego na awade ọrụ maka ndị ọgwụgwụ nke nkwekọrịta Ops na ndi ulo. mgbanwe usoro na-ewe 1 afọ: mgbe na aka n'ime nkwekọrịta na-agafere ka ìgwè NPF na njedebe nke afọ mgbe ogbugbu nke akwụkwọ. Agafere niile insurance deductions jichie site na-arụrụ ọrụ na mmasị nweworo site gara aga (bụrụhaala na 5 afọ site na ụbọchị nke gara aga nkwekọrịta). Ọ bụrụ na ndị ahịa rụchara nkwekọrịta nká (erughị 5 afọ), ọ na-efunari dividends, na-anata naanị insurance onyinye si na-arụrụ ọrụ (nchikota wee ghara ebelata, ebe ọ bụ na ha na-akwụ ụgwọ na a amanyere bụ iwu nke ndabere site niile chie n'ọrụ ụmụ amaala site n'idebe ichekwa nke ụgwọ ọrụ).

Ịsụgharị n'etiti ìgwè na-abụghị mba ego na RF Pension Fund nwere ike ọ dịghị ihe karịrị otu ugboro n'afọ.

Ikikere NPF - ihe ọ bụ?

Ebe ọ bụ na 2015 na Central Bank malitere "ọcha" nke na-abụghị mba ego, ndị ọnụ ọgụgụ ha na ụba kwa afọ site ọtụtụ ụlọ ọrụ. Òtù na-adịghị emezu ntoolite investors (penshion ego nke na-adịghị ekwe ka eme ka ịkwụ ụgwọ niile ahịa) na-emebi okwu nke akuko, a jụrụ inye nri (ebighi-ebi ikike NPF) itinye aka na insurance eme na ego ahịa nke Russian Federation.

N'ime afọ, 89 ego natara a ikike, a ndepụta nke na-ọkọnọ na ukara website nke Central Bank of Russia.

Anyị na-ahọrọ NPF ikike: Gịnị na-eme ahịa?

Bụrụ na nke a kagbuo ego ikike ndị ahịa na-nyere ohere nyefee ha ego ha ọzọ onwe ụlọ ọrụ. Bụrụ na nke jụrụ na nhọrọ nke a ndabere NPF ụgwọ ezumike nká ego ga-agafere nke Pension Fund nke Russia, mgbe nọgide na-enwe 6% NCHP.

N'ime kpuchie nke iwu №422-FZ, inye iwu ikike nke ịnshọransị mmadụ njide Ops na Russian Federation, na njedebe nke 2015, 32 APF ba usoro ebute NCHP. Nke a pụtara na ụmụ amaala 'ụgwọ ezumike nká ego, indexed FIU ma ọ bụ NPF (echebe "ego Insurance Agency"), na-ekwe nkwa site na steeti.

Moratorium na NCHP 2014-2016: Mgbe a ga-indexing?

Na 2016, Gọọmenti enen na ndọtị nke moratorium na etinye NCHP. Ihe kpatara ya bụ nsogbu, na-ese ala na-azọpụta na ego nke ụmụ amaala.

Mmachibido iwu nke guzobere ọnọdụ 6% maka ego, dị ka ego na-eme nnyocha, na a ga-akp 2017 - bụghị ma gbasie ike ahịa na aku na uba nke Russia.