Sezvo dzakava mudyandigere

Vagari vazhinji angava chaizvo pamusoro mubvunzo sei mudyandigere dzaona? Chii uye chii zvayo mhando dziripo? Ndezvipi zvakanakira nekuipira paruzhinji mudyandigere mari uye asiri ehurumende analogues. Pane dzimwe nyaya zvakaenzana kukosha.

Ose mugari anekodzero zororo, kunyanya kana totaura mudyandigere yezororo. Izvi zvinoreva kuti basa vamwe mabhizimisi kuti munhu aidaro hwake kushanda, vanofanira kupa vamwe hwake. Hapana mubvunzo kuti kambani anofanira nechokwadi kuti ihwo rinoitwa nomudzimu mudyandigere Fund, apo mushandirwi ose anofanira Vanosungirwa mari. Mune Russian Federation, maumbirwo, nokuchengeta, kubhadhara pensions rinoitwa pasi pakuomerera kuchengeta mutemo "On basa pensions mu Russia." Kana isu kutaura nezvekuti mudyandigere rinowanikwa, zvinokosha kutaura kuti zvinogona kwete chete madikanwa, asi izvozvo zvinogona vaisanganisa yokuzvidira, zvichireva mukana kushandisa mari kuti inoiswa munhu private mudyandigere mari. In fanira kurega, pane mhando dzakawanda, unogona kudana mumwe nomumwe wavo; mudyandigere mudyandigere urema kubhadhara pakuparwa nokurasikirwa pakuriritira mhuri, uyewo chaiwo akare-zera mudyandigere. Retirement mudyandigere zvinosanganisira nhengo dzaro nhatu zvinoriumba: zvinokosha, inishuwarenzi, okuchengetera.

Basic chikamu pensions

sangano ose uye kambani hazvo kuti mari kuti hurumende rokumanikidzirwa mari inishuwarenzi inenge hafu mari idzi hwakatamisirwa mudyandigere Fund. Mari zvose izvi zvisina kunyoreswa, kuti nyore hwakatamisirwa mari, apo vari kushandiswa uno mari kuti huripo pensioners. Chikamu ichi chinhu chinokosha chikamu mudyandigere, uwandu zvakatemwa kubudikidza mutengo mupenyu, mitengo uye budgetary zviwanikwa. Mujinga Chikamu hakunei urefu basa, mari yaanotambira, anogona kuripirwa kuvatorwa uye vanhu pasina citizenship vanoga- zvachose munharaunda Russia.

Sezvo dzakava mudyandigere: chikamu inishuwarenzi

Inishuwarenzi mugove iri substantially rakasiyana inokosha yokuti yakasungirwa chairo munhu, uye kukura kwayo kunoenderana nguva yose yekuita mari, uyewo ukuru uwandu akaunganidza mipiro. mushandirwi ose anofanira Vanosungirwa mari yezvinhu zviri uwandu 8-14% uwandu, chiri taxable nokuda nomumwe mushandi, akatorwa pano kuti kusanganisira kwete muhoro, asiwo vamwe mari apedza zvino munhu mushandi.

Sezvo akare-zera mudyandigere rinowanikwa: mari mudyandigere

The kukarukureta kwechikamu ichi zvinoitwa zvakafanana sezvo dzaona ne inishuwarenzi chikamu, asi mudyandigere guru iri nyaya kuchatsiviwa uwandu nemari. accumulations izvi nerimwe mugari vari raanotaura chaiyo chikamu nhoroondo. A pachena chepfungwa mari ndechokuti riri pamusoro kuwedzera siyana mubhizimisi zviridzwa, rinogona kuparadzirwa munzvimbo mari siyana nokuda Implementation vebasa, uyewo mukana bhizimisi iri nhumbi dzakasiyana-siyana, kusanganisira kuchengetedzeka. kushanda ose munhu anogona vakazvimiririra kutarisira zvavo accumulative chikamu mudyandigere inomupa kodzero yokuramba kana kubvumirana kuti pamwe vamwe utariri kambani kana mari.

Zvakanakira kushandisa zvisiri hurumende mari zvikuru pachena. Chekutanga pano zvose zviri kutaura nezvomukana ane nzira inobudirira mari kuti kuchaita vakarongeka kukura mudyandigere. Public Mari vanosarudzwa kuti mari ndiyo zvishandiso inokurukurwa kuti zvikuru rakavimbika, zvisinei, ine inokanganisa profitability yavo.

Saka, iye zvino zvinofanira akaonga, kuti mudyandigere rinowanikwa.