I-Pension Fund ye-Russian Federation yi-FIU. Ulawulo, isebe eliphambili, amasebe

Ingxowa yempesheni kwimboniselo yezemali ibaluleke kakhulu. Kubulela kuye ukuba inzuzo yesizwe ibuye yabelwe kwakhona kwiinkqubo zentlalo ezahlukeneyo. Ukuba unomdla kwindlela le ntlangano isebenza ngayo, kufuneka uqonde ukuba i-FIU yinkqubo ephakathi. Ihambisa kwaye iqokelela imali.

Umbutho unikezela umgangatho ofunekayo wokuphila kubemi. I-FIU liziko elihlawulela inzuzo kubantu. Baye naziphi na izizathu abanako ukuzibonelela. Abaninzi abanomdla kwintlangano. Kodwa, ngokuziqhelanisa nemigaqo siseko yomsebenzi, unokuqonda indlela ukuhanjiswa kwemali.

Imigaqo yomsebenzi

I-Pension Fund yeRussia Federation imelwe ngendlela yombutho obonelela ngenkxaso yezemali kubantu abakwindawo yentlalo. Abantu abaselula abaqala ukusebenza nabo kufuneka bathumele iminikelo yabo.

Kwaye abadala, kuba abanakuqhubeka nokusebenza, bafumana inani elithile lobomi. I-FIU ngumjikelezo ongunaphakade, unemigaqo yayo yomsebenzi. Kulo lwakhiwo kukho umphathi kunye nabasebenzi.

Iipresimesi

I-Pension Fund ye-Russian Federation isebenza ngokubonga kwiintlawulo zelizwe, ezibhekwa njengengeniso yakhe. Oku kusebenza njengesiseko sokuvula inani elikhulu leeofisi. Indawo ebalulekileyo ihlala yimivuzo ekhethekileyo kunye nentlawulo. Ubungakanani babo buvunywe ngumthetho.

Iindleko ezinkulu kunazo zonke. Le mali inkulu kangangokuthi ulawulo lombutho luvusa umbuzo wendawo yokufumana imali. Imali engenayo eyona ntlawulo yinshorensi. Uluhlu lwabaqeshi lenyanga luhlu lwamanani athile, anqunywe kumvuzo.

I-FIU yintlangano eqhubeka ihlawula intlawulo, nokuba ingahlawulwanga ngokuzithandela. Kule meko, iintlawulo ezihlawulweyo ngosuku 1 lokulibaziseka nazo zihlawuliswa. Ukuba ipropati yomrhumo yaqeshiswa ngesiseko senkundla yesigqibo okanye ukuba kuthengiswa imali ngemali, iNgxowa-mali yePensheni kuphela isebenza ngokutshintshwa kwemali. Isohlwayo ngeli xesha aliqokelelwa.

Iintlobo zeminikelo

Amashishini amaninzi ahlawula i-22% yomvuzo wabo kwingxowa-mali. Abanye abasebenzi bahumusha i-8%, umzekelo, abaphandi kunye nemibutho ye-IT.

Abavelisi bemveliso yezolimo balula uluhlu lwe-21%. Amashishini ahlawula umrhumo jikelele (22%) ahlawula i-10% eyongezelelweyo kwi-budget ye-PRF.

Ukusebenza ngolwazi

INgxowa-mali yePensheni yenza i-akhawunti yabantu basebenzi belizwe. Ngaphantsi kohlaziyo lwe-2002, umqeshwa ngamnye kufuneka abe ne- akhawunti yakhe yokugcina imali. Iquka isixa se-16% se-22% esithunyelwa ngabaqeshi. Ama-6% aseleyo awela "kwi-piggy bank".

Ukubhaliswa kweempesheni

Xa ubudala bomhlalaphantsi bufika, ummi kufuneka afake isicelo kwisebe laseRashiya. Abasebenzi baya kulungiswa ngokwemali yemirhumo e-akhawunti yakho. Iintlawulo ezongezelelweyo ezivunyiweyo zikarhulumente nazo ziyaqwalaselwa.

Ekubeni imali iqokelelelwe iminyaka emininzi, ukulungiswa kwenziwa kwinqanaba lokunciphisa. Isiphumo sixa semali yempesheni yommi othile. Emva koko umqulu wempesheni kunye nemiyalelo yokuhlawula iyadalwa ukuhlawula imali.

Ngexesha, iinkqubo ezahlukeneyo zikhoyo kwiNgxowa-mali yePensheni. Omnye wabo kukuxhasa ngemali. Kusebenza iminyaka eyi-10. Abemi bamenywa ukuba batyala imali ngokuzimeleyo kwingxowa-mali yabo eyi-12,000 rubles. Isixa esifanayo songezwa nguRhulumente. Iminyaka eyi-10 kuvela ukuqokelela ii-ruble ezingama-240 000, nokwandisa inxalenye yokuqokelela nge-ruble 1111. Ezinye iintlobo zeenkqubo zinokusebenza, kubandakanyeka kuphela kubandakanyeka kuzo.

Ezinye iintlobo zomsebenzi

Umsebenzi oyintloko wale ngxowa-mali yintlawulo yeentlawulo kubemi abanelungelo lokwenza oko ngokusekelwe kumthetho wangoku. Ukongezelela, iziko lisebenza nemibandela yokubonelela ngemali yokubeletha.

Ukunciphisa izinga lokuzalwa likhokelela ekunciphiseni kwenani labantu abanamandla, kwaye le sizathu sokuzaliswa okwaneleyo kwe-RF PF. Oku kubangelwa ukufumana imivuzo engafanelekanga ngabemi. Ngenxa yalokhu, urhulumente ukwandisa iminikelo yomshuwalense yamashishini.

Ingaba i-Pension Fund ithetha ntoni kubantu abadala?

I- Pension Fund yaseRashiya kufuneka isebenze njani? I-FIU ithathwa njengombutho ozimeleyo. Isiko kufuneka sithumele iiprimiyamu ze-inshurensi, abantu abanemali abafuna ukukhuselwa kwintlalo. Umsebenzi wayo kukuqokelela imali kubemi banobutyala bokubangela ukulimala koogxa kunye nabanye abantu beli lizwe.

Xa umntu enzakele, ngenxa yoko angakwazi ukusebenza, i-fund kufuneka ihlawule ipenshoni. Ukongeza, abasebenzi be-FIU kufuneka bajonge ukufumana i-premium yentsholongwane ngexesha elifanelekileyo, kunye nenkcitho yabo efanelekileyo.

Iintlobo zeentlawulo

Iindlela zeNgxowa-mali yePensheni yaseRashiya zisetyenziselwa ukuhlawula ipensheni, ekhonza njengomvuzo wemvuzo kubantu abangenakusebenza. Elizweni lethu kukho iindlela ezininzi zokwenza ezo ntlawulo.

Umhlala-phantsi wezabasebenzi unikwa kwabasetyhini abavela kwiminyaka engama-55, kunye namadoda-ukusuka ku-60. Umhlala-phantsi ubalwa ukuba ubude benkonzo buyiminyaka emi-5. INgxowa-mali yePensheni iphinda ikhuphe ipenshoni yokukhubazeka kunye nomhlala-phantsi womhlalaphantsi.

Ulwakhiwo

Isebe eliphambili le ngxowa yiBhodi. Ukuze ithwale umbutho osebenzayo ophezulu-Ulawulo oluLawulayo. Le yokugqibela isebenza kunye nazo zonke iiofisi ezisemgangathweni welizwe. Ziquka iinkqubo zolawulo-zendawo kunye nolwaseburhulumenteni. Zifumaneka kwimimandla.

Ukuphathwa kwengxowa-mali yeRashiya iqukethe izakhiwo zasezidolophini nezithili. Baqokelela imali nge-inshurensi, basebenze kwiinkqubo zengingqi, baqhubeke nokulawula imali. Badibana nabemi. Ukongezelela kwi-RF Pension Fund, uMphathiswa woNxibelelwano kunye noMsebenzi usebenza kwimicimbi yempesheni. Umbutho wenza isabelo, ukwabiwa kwakhona nokuhanjiswa kwemali yeentlawulo.

Ibhodi yenza ukufakwa kweengxelo kwimisebenzi, ibhajethi, iindleko. Isebenza ngokusekelwe kumthetho, kunye nebhajethi eyamkelweyo. Intloko ye-PFR nguAnton Drozdov. Uyabonwa njengomfanekiso ofanelekileyo weRussian Federation.

Iingxaki zeFund

Ngenxa yentlekele ka-2008, iNgxowa yamisa ezinye iintlawulo. Ukuphelisa iingxaki ezinjalo, ezinye iindlela zisebenzisiwe. Nangona kwagqitywa ukuzalisa ukungabikho kwemali, kodwa ngo-2009 kwavela ingxaki efanayo. Ngo-2010-2011. Kuyafana.

Isebe ngalinye lePensheni yeRashiya yaseRashiya lisebenze ukunqoba le ntlekele. Njengoko inani labantu abafuna ukuhlawula inzuzo landa, ukungalingani kumsebenzi wamasebe ombutho kubangelwa ukutshabalalisa imeko.

Ukunciphisa iingxaki, urhulumente ukwandisa inani lemali edluliselwe kwi-FIU. Ukusebenza kunye nerhafu kunye nenkonzo yokuqokelela yomelezwa. Ukususela ngo-2010, kukho imimiselo yomshuwalense enxulumene nentlawulo yeentlawulo zentlalo. Endaweni yerhafu enye, iintlawulo ezikhethekileyo zaqala ukuhlawulwa. Oku kwavumela ukubuyisela umsebenzi we-fund, ukuphucula ukusebenza kakuhle.

Indima yePension Reform

Kuba namhlanje eRashiya inkqubo yempesheni yemisebenzi yomenzi wememori. Ngoxa uncedo luya kukwazi ukulawula imali eqokelelwayo eya kunikwa abantu abakhulileyo. Inani lemali ehlawulwa lixesha elimiselwe ngumntu, nokuba umqeshi ubhale iintlawulo. Siyabulela oku, inxalenye yenkcitho yombutho iyancitshiswa.

Imali edluliselwe ngumqeshi ayifumanekanga kwiingeniso kubaxhasi besikhashana. Imali iqokelela, kwaye xa umhlalaphantsi engenawo ithuba lokusebenza, uya kuhlawulwa inzuzo kwimali ebekiwe.

Inkqubo yokulondoloza ikhetele ngakumbi kunendlela yokuhambisa. Isizathu salokhu kukuba iindlela zempesheni ziyabonwa njengepropati yomntu, kungekhona urhulumente. Lo mgaqo ukwandisa ukunyaniseka kwenkqubo. Siyabulela umgaqo wokuqokelela, uqoqosho luqhelekileyo, oluyimfuneko ebalulekileyo ye-FIU.

Ulawulo lwe-FIU yaseMoscow

Kwi ngasinye sifundo seRF kukho indawo ye-FIU. Kukho nawuphi na umbuzo ummi kufuneka afake isicelo kumbutho weendawo zokuhlala. Ukulawulwa kwe-FIU eMoscow akuyinto enye, amaziko ngamnye anceda abahlali belikhulu kunye nommandla ukulungisa yonke imiba evelayo.

Isebe eliphambili liseTverskoy Boulevard, indlu 18. Ishedyuli yomsebenzi ilandelayo:

• 9:00 - 17:45 imihla ngemihla, ngaphandle kweLwesihlanu;
• Uphulo: 12.30 - 13.00.

Ukongeza kwiziko eliphambili, kukho amanye amasebe aseMoscow eFIU avulekele ukufumana abantu. Kubonakala ukuba isakhiwo se-FIU asiyinkimbinkimbi. Kubalulekile kumsebenzi wenhlangano yindlela abantu abanyanisekileyo abahlawula ngayo iminikelo yabo. Ukuba kukho umvuzo omhlophe, ke imali ihanjiswa kwibhajethi yelizwe rhoqo. Kufuneka kukhunjulwe ukuba le ngxowa-mali isebenza ukukhusela imfuno yabantu baseRussia.

Ukongezelela kummandla kaRhulumente, kukho iiprojekthi ezingekho zombuso. Ngamnye wabo unika iinkqubo zakhe. Ngaphambi kokujoyina nayiphi na enye, kuyimfuneko ukufunda imigaqo. Iimali zisekelwe kwisigqibo seemvumelwano.