Promagrofond, isikhwama sengxowa-mali engekho karhulumente: ukuphononongwa, ukunyaniseka nokulinganiswa kwenzuzo

"Promagrofond" - umbutho ethe kudala ubekho eRashiya. Iluncedo kakhulu ukuba imisebenzi yoluntu. Kodwa yintoni uhlobo nkampani kukuba? Namhlanje uya kukhangela kulo. Ngapha koko, "Promagrofond" - mali yomhlalaphantsi. Ukuphononongwa, ukukala, uluntu luyithembile - konke oku kuya kukunceda ukuba uqonde indlela corporation ngokholo elungileyo. Kusenokwenzeka ukuba akanakunikwa imali zabo zenziwe umhlalaphantsi ukwandisa Iintlawulo zomhlalaphantsi kwixesha elizayo. Enyanisweni, ukuqonda ukuba yintoni eyenza SPC ethile ayikho nzima kangaka. Ingakumbi xa ujonga eminye imiboniso ephambili.

incazelo

Okokuqala, oko ngokuqhelekileyo i "Promagrofond"? Emva ekufezekiseni oku kuya kuba lula kuthi ukuba okanye hayi ombutho umsebenzi oqhelekileyo. Okanye ngaba ezinye uhlobo ezopolitiko eluhlaza?

Akunjalo konke. "Promagrofond" - mali yomhlalaphantsi. Ukuphononongwa, ukukala, uluntu luyithembile - konke oku kubalulekile kulo mbutho. Kuye khona ukususela ngowe-1994. Inceda ukuba ukuyilwa kubemi iintlawulo zomhlalaphantsi. Akukho nzima ukuqonda apho.

Ngenxa yemizamo yakhe, lo mbutho ifumana ncomo becala HIV. Kucacile ukuba i "Promagrofond". Akukho nkqubo isithunzi operation luncedo kakhulu ecacileyo. Kodwa ke ezinye iinkalo omnye ombutho kufuneka sinikele ingqalelo phambi kokuba ucinga njani ukuba ukhuthele?

Gcobisa phezu lizwe

Umzekelo, indlela phi na ingxowa-mali yomhlalaphantsi esizigubungeleyo eli lizwe. Amaxesha amaninzi, nabakhohlisi musa namasebe amaninzi kakhulu. Kwaye ke ngoko abantu basoloko kulo mba ijolise ingqibelelo iinkampani.

Non-state "fund Promagrofond 'Pension (reviews, amanqaku, ibhate ibe - yonke into iza kucaciswa kamva) - oku umbutho elikhulu kunene. It isasazwa kulo lonke elo lizwe. Kuzo zonke iidolophu ungenza sesebe ubuncinane omnye NPFa ukufumana.

Oko kukuthi, unokuba le nkampani trust. Ubuncinane, oku amasela. Kwaye kwesa intlangano esebenza ngomoya omhle? Enikeza iinkonzo zayo? Enoba bahlala lanelisekile inkonzo apha? Okanye mhlawumbi abantu bakhetha ukuwushiya NPF uze utshintshe ngayo nayiphi na enye?

ukukala

Ukuze uqonde oku, kubalulekile ukuba sinikele ingqalelo kwezinye iinkalo eziphambili ukuyilwa mali zomhlalaphantsi. Umzekelo, kubalulekile ukunikela ingqalelo rating loshishino. Amaninzi, abantu uthembele ngaphezulu iinkokheli.

Zeziphi kule ndawo NPF "Promagrofond" ncomo? Ranking phezulu entlanganweni. Abemi ibonisa ukuba ingxowa-mali iye itsale ingqalelo. It is a iinkokeli ke-10 ka-mali yomhlalaphantsi yabucala. Njengomgaqo, nama-5-6 amanqaku isikhundla NPFov. Kodwa kweminye imithombo, umbutho uthatha 2-3 indawo.

Ngako oko, le Corporation zithandwa kakhulu kwaye zithembeke. Ke yena, njengokuba kuthiwe, abahlali athembele. Kodwa kuphela elinye neziphawuli kunceda ukuqonda ukuba okanye hayi ukutyala imali NPF okanye hayi. Yintoni kusafuneka banikele ingqalelo?

trust

Umzekelo, izinga intembeko yoluntu. Le yinto efana umfuziselo rating. Kodwa ke kwakheka kwi isiseko uphando umthengi. Oko kukuthi, uluvo bantu. Trust lubonisa indlela abatyali enethuba nokuthathwa uthembe lo mbutho.

NPF "Promagrofond" ukuthembeka isikali kakhulu eliphezulu. Kweli nqanaba kubonisa ukuba uhlala kwinqanaba A ++. Lo ngumphakamo eliphezulu trust. Inkcazelo ifumaneka kweminye imithombo ukuba uluntu luyithembile iqamele kwinqanaba A +. Imela njenge "obukhulu gqitha".

Ngako oko, le nkampani bangathenjwa. Abathengi abonisa ukuba "Promagrofond" sele usebenza ixesha elide eRashiya. Kwaye ngoko ke akakwazi ukhathazeke malunga ekurhoxisweni mvume. Ibhanki esembindini iRussia ngenkuthalo yokuqala NPFy, kodwa iinkokheli rating, ngokuqhelekileyo ezinjalo utshintsho ayisebenzi.

inzuzo

Kodwa macandelo alandelayo sinikele ingqalelo kubatyali-mali ezininzi ezinokwenzeka. Sithetha ngayo inzuzo. Non-state mali yomhlalaphantsi uhlobo zifunwa kuphela ngokuba banikela ukulondoloza imali yomhlala phantsi. Bathi basebenzise ngenkuthalo oko ngenxa phindo kwezindululo kwemali kwi-akhawunti.

Ntoni SPF "Promagrofond" rating kwi inzuzo? Kule ndawo, umbutho ayikho ibonisa intsebenzo entle kakhulu. Eyona nto kukuba ekuqaleni linikeza imbuyekezo entle kakhulu. Malunga ne-15% ngonyaka. Oko kukuthi, le pesenti ziyenyuka ukuba qho ngonyaka egcinwe imali akhawunti. Kwaye ngoko ke unako ukufumana "Promagrofond" phakathi kweenkokeli-5-Kum NPFov ngokwemiqathango inzuzo.

Ukuziqhelisa, umfanekiso thile ezahlukeneyo. Abaxhamli zibonisa ukuba imveliso ngokwenene yehliswe kakhulu. Okwangoku ke malunga 5-7%. Kodwa eminye imithombo zibonisa ukuba ifuthe kwinqanaba 17-18%. Enyanisweni, luguqulelo yokuqala ityala.

Ngenxa yezi ezingenasigxina, "Promagrofond" (NPF) ncomo umxhasi lwenza kuxutywe. iimali asazi ukuba sithembele. Abanye bakholelwa wakhohlisa. Ukuziqhelisa, umahluko ezinjalo izithembiso simo kunye kwisivuno - into eqhelekileyo. Kubonakala yeentlekele kunye nokunyuka kwamaxabiso.

Enoba kwenzeka ntoni na, nokuba kuthathelwa ingqalelo inzuzo ukuya kwi-7% "Promagrofond" zifunwa phakathi kwabantu. Abanye ingongoma yokuba umbutho akukho mgaqweni ukuba phindo imali yomhlala phantsi. Kodwa inikeza ukunyuka ngokuthe ngcembe efakwa. A Ipesenti encinane baya wabeka.

inkonzo

Yaye kuthekani ngenkonzo umxhasi? Ziziphi iimeko anikele "Promagrofond" (kwingxowa-mali)? Ukuphononongwa, ukulinganisa kunye nenzuzo - konke oku kubaluleke kakhulu. Kodwa umgangatho wenkonzo, nathi, musa ukulibala.

Ingongoma kukuba izimvo kwahluka kule ndawo. Umntu wanelisekile ngumgangatho wenkonzo, umntu - akunjalo. Ngako oko, ukuqonda intlangano ngomoya omhle, kunzima kangakanani.

In "Promagrofond" inikezela ngeenkonzo zabucala, kwaye ekwimo ye-elektroniki ofisi lobuqu. Oku abaninzi akuthandayo. Kodwa kunye nalo, nokubuyekezwa alatha ukusebenza engazinzanga inkonzo online. Yaye ofisi ombutho Tyhila rhoqo. Nangona kunjalo, abasebenzi bazama ukunika ingqalelo ngenxa kumntu ngamnye.

"Promagrofond" - NPF ukuba umgangatho nkonzo kakhulu ezahlukene kontanga yayo engundoqo. Abaninzi Sigxininisa ukuba abasebenzi abasebenza apha uchubekile, oko kunceda ukusombulula iingxaki ezininzi. Luhlaza kunye crudeness - lwepaki enkulu. Kodwa akukho namnye uya kusinda kuyo.

Izimanga evela kumbutho

Ngoku ndiyaqonda ukuba ufumana NPF "Promagrofond" ncomo. Zokukala Corporation ezahlukeneyo iingqiqo eyaziwa. Kodwa oku zonke iinkcukacha ezibalulekileyo egxininisa abathengi.

Abanye ukunganeliseki kukuba abemi ngokungalindelekanga efumanise ukuba inxalenye numbers ye pension kanye "Promagrofond". Ngenxa yale inxalenye ethile yalo zabemi bacinga ukuba ingxowa-mali esebenza ngokungekho mthethweni.

Abameli okwahlukileyo. Ukufunyanwa esingalindelekanga imali yomhlalaphantsi "Promagrofond" lidla ngokubhekisela engqesho esesikweni ebantwini. Oku kwenzeka ngenxa yokuba SPF iphela izivumelwano kwintsebenziswano kunye nabaqeshi ezahlukeneyo. Kwaye bonke abasebenzi babe abagcinisa mali. Yazisa ngale mababhekise nomphathi, yaye hayi "Promagrofond". Kungenxa isenzeko zokuqokelelwa kobutyebi sivakala-mali yokufunda ukuze labantu engalindelekanga.

isiphelo of contract

Yintoni enye inika "Promagrofond" (kwingxowa-mali)? Ukuphononongwa, izilinganiso, ukuthembeka kunye nenzuzo sele kwaziwa. Kodwa yintoni enye ingcaciso zingafumaneka zonke izimvo ezikhoyo?

Umzekelo, indlela isiphelo kwekhontrakthi. Ngokomthetho reviews zibonisa ukuba abasebenzi mbutho uzama ukucacisa yonke ngokuchanekileyo kangangoko kunokwenzeka ukuba umthengi. Isivumelwano abhalwe kuzo zonke iimeko wentsebenziswano. Kodwa amanye amaxesha engaqhelekanga kusengenzeka. Kwiimeko ezinjalo, kucetyiswa ukuba uchaze zonke iinkcukacha abasebenzi Promagrofond ". Bathi ke, ngokutsho iimbono ezininzi, lonke uncedo olufunekayo ukucacisa. ubuqhophololo Contract apho.

Ukufuna abathengi

ingqalelo eyodwa kufuneka ukufumana abathengi ukuba ingxowa-mali yomhlalaphantsi. Yiyo le ezincinane ubalaseliswa ukubuyekeza ezininzi mbutho. "Promagrofond" (fund pension, ogama yobudala sele kwaziwa) uzama, ezifana kontanga yayo, ukutsala abathengi ngaphezulu. Kwaye umbutho usebenzisa iindlela ngeendlela.

Ezinye iimali abanelisekanga nesibakala sokuba "Promagrofond" uhamba indlu. Ukuba aqashwe ngokukodwa abameli ukuya kwindlu ngendlu bekhangela abathengi abatsha. Kuyaphawuleka ukuba kunjalo avamise itshivela. Kwaye loo nto abathengi bavame ekhohlisa.

"Promagrofond" icebisa ukuba banxibelelane nabameli abaya "yiya kwindlu ngendlu." Emva kokuba zonke maqhinga ukuba ekutyholwa omele fund non-zoluntu ezifana eRashiya, ngokwenene lukhulu. Ngokuba zonke iinkcukacha malunga umsebenzi wombutho kubhetele ukuba isicelo ngqo namasebe.

isigqibo esinzima

"Promagrofond" (APF) ifumene ezininzi iimpendulo. Ukusuka kungasentla kunokwenziwa isigqibo ukuba le nkampani uyalinandipha izimvo ezahlukeneyo kakhulu ngalo emsebenzini. Kodwa ngaba uyazi ukuba yintoni na ukukholwa? Kuthungelwano ezininzi reviews zobuxoki. Zombini akhabayo kunye navumelanayo. Ngoko ke musa ukuthembela yonke into ufunda.

Ukukhusela iimpazamo, kuyimfuneko ukuthobela ingqalelo indlela yokubhala ukuhlaziywa. Ngengcamango yangempela, ulwazi oluluncedo kuluncedo kubathengi. Abantu babelane ngamava, xa kunokwenzeka, basebenzise ubungqina. Amanga abukeka njengomzekelo. Unokudumisa iP Promagrofond, okwenza le NPF ibhetele eRussia, okanye, ngokuchaseneyo, ibonisa i-fund njengowona mthombo ongcono kunye ongekhohlisi wokugcina imali ebekwe eceleni ngenxa yobudala. Yiloo nto ufanele ukuyiqwalasela. Ngaphandle koko, akunakukwazi ukufumana izigqibo ezifanelekileyo malunga noko kufundiswa i-NPF.

Iziphumo

Yintoni enokufingqwa? "I- Promagrofond" ingxowa yempesheni engeyiyo yombuso, ebonwa njengendawo enhle kakhulu yokugcina imali yokugcinwa kwempesheni kunye nokwenza inxalenye yabo yokuqokelela. Akuyona indawo efanelekileyo yokuphindaphinda idiphozithi, kodwa usenokubona inzuzo encinci. Okubaluleke kakhulu, umbutho ukhuselekile ngokwaneleyo. Ikuvumela ukuba uhlalise ukugcinwa komhlalaphantsi.

Ukurhoxiswa kwelayisenisi " Promagrofond" ayisongelwa. Musa ukukholelwa kwimibono emihle okanye embi kakhulu ngale nhlangano. Kwintsimi yenkonzo, i-NPF iyakwazi ukusilela, kodwa ayikubi kakhulu ukugatya iipokethi.