Ukubonelelwa kwe Pension ngamehlo omntu ophakathi-ubudala osebenzayo

Ukubonelelwa kwe Pension yeRashiya kukuhlawulwa ngokuqinisekileyo kweempesheni kubemi belizwe lethu. Akukho nxalenye yesenzo sombuso ibangela izikhalazo ezininzi njengenkqubo yempesheni. Kwaye kubonakala ngathi ipensheni iyaqhubeka ikhula, iifomula ezintsha eziqhelanisiweyo zokunyuka kwayo ziya kuza, kwaye kwinqanaba likazwelonke Iintlawulo zininzi zemali. Kodwa ukuba uthatha umhlalaphantsi ngamnye, uyazibuza ukuba uhlala njani kuloo mali. Kubonakala ngathi ukubonelelwa kwempesheni eRashiya kubonakala ngathi luhlobo oluthile lwenkohlakalo yengqungquthela. Uyondla kwaye uyasikelele, udla ubuhle rhoqo, kwaye akukho mntu uyazi ukuba ayenze ntoni naye.

Ukuba sicinga ngempesheni ukusuka kumbono womntu oneminyaka engama-middle-aged osebenzayo, okwangoku kuyinkqubo ebandakanya inxalenye yomshuwalense, okuyi-20% yonke iminikelo yempesheni, kunye nenxalenye exhaswe ngemali (ngokufanayo, i-6%). Kule meko, ipesenteji ezongeziweyo zicetywayo ukunciphisa. Ndifuna ukubuza umbuzo: kutheni kuyadingeka kuwo onke, ukuba ngenxa yoko le nto ayimfuneko kakhulu?

Yinxalenye yomshuwalense eyenza ukubonelelwa kwepenshini yabanini-mpesheni . Abemi basebenzayo , benze iminikelo, bahlawule ipensheni yobudala. Imali engenayo ifakwe kwi-akhawunti. Ba thembisa ukuba kwixesha elizayo, ukusuka kwimali eqokelelwe kulo, umntu uya kuthiwa ngumvuzo wakhe. Kodwa! O, "kodwa"! Uninzi lwemivuzo esemthethweni yaseRashiya bubuncinane ubuncinane, kwaye luhlobo luni lomhlala-phantsi oluya kuba lisenti alusobala. Ukongezelela, ukuguqulwa kwempesheni kwilizwe lethu kwenzeka ngokuqhelekileyo. Ngaphandle komvuzo omhle "omhlophe," umntu akanako ukufumana isiqinisekiso sokuba ipension yakhe ayiyi kuba yinto encinci.

Ngoku kunikwa ipenshini yangasese. Le nto isilwanyana esingenakuqondakala. Le fomu yokugcina ipenshoni ikhona kuwo onke amazwe athuthukileyo. Umntu ubumba inxalenye ethile yomhlalaphantsi ngokwakhe. Ukhetha i-fund, apho inxalenye yempesheni yakhe yomhlalaphantsi incitshiswa. Le ngxowa-mali inika imali kwimveliso okanye kwii-securities, ifumana inzuzo kwaye iyabelana ngayo
Abaxhasi. Yonke into icacile kwaye iyaqondakala. Kodwa kungekhona nathi. Siya kwindlela yethu kuphela. Okokuqala, ipesenti echithwe kwingxowa-mali iya kuncitshiswa ukusuka kwi-6% ukuya kwi-4%. Musa ukuzithemba kunye neentlanzi - kwiimali zempesheni, njengoko kunjalo, "ukuba." Abemi Kucetywa ukuba bathathe inxaxheba kwinkqubo yokuxhasa imali. Kubonakala ngathi le miqathango iyinto enhle, kodwa abantu bayamoyika kwaye abanakholelwa ukuba imali yakhe iya kubuya. Sifundiswe ubomi ngabasemagunyeni ukuba bangakholelwa ... Ngeli nqanaba kule nkqubo, kunenzuzo ukuthatha inxaxheba kubantu abangenanto engashiyiyo ngaphambi komhlalaphantsi. Kutheni? Okokuqala, kukho isiqinisekiso sokufumana le mali. Okwesibini, kubantu ukuya kutsho ngowe-1966 wokuzalwa, inxalenye yokongeza iya kunikelwa ngokupheleleyo kwisigidi esisodwa, singadluli i-15 lamawaka ngonyaka. Ungayigcina usebenzisa i-akhawunti yepenshoni njengediphozithi. Ukuba ukugcinwa kwemali kuvumelekile, kuya kufumaneka ukufumana isongezelelo kwimpesheni iminyaka emininzi. Kodwa abanye baya kufuneka bakholelwe ukuba yonke into iya kuhamba kakuhle.

Isiqinisekiso somhlala-phantsi siklanyelwe ukuqinisekisa uluntu ngokugcwele emva kokuqala kokuguga, kwaye kweli lizwe lethu elide kuphela lokuba abathempesheni, mhlawumbi, abayi kufa ngendlala.