Indexation zomshuwalense ingxenye engu impesheni

Umgomo we-accrual yempesheni kuyinto nse yimuphi umshwalense uhlelo lokonga. Ingqikithi indlela itholakala lokuthi bakholelwa ukuthi abantu kuyo sabo sokusebenza iphila ukukhokha iminikelo inkokhelo futhi, ekugcineni, ukungena ukuphumula okufanele Ufika zanqwabelana isamba. Lo mcimbi kwesamba kulesi simo kuyinto ukukhubazeka.

Izimali zanqwabelana phakathi naso sonke isikhathi wokusebenza, umuntu uthola ngaphezu kwesikhathi esisodwa futhi ngokugcwele, kanye njalo ngenyanga, ngezabelo bucishe bulingane. Kodwa uma ucabangela ezingeni lamanje emali, lemali abanakwethenjwa ngaso sonke isikhathi uhlale ezingeni elifanayo. Ngenxa yalesi futhi kudingeka indexation zomshuwalense ingxenye yempesheni. Ubukhulu bayo kuzoncika izidingo kwenziwa. Ngakho-ke, izinto eziphathelene nokuphila kwakhe ngemva iholidi esasiwafanele ukucabanga ngokushesha ngangokunokwenzeka.

Uyini Umshuwalense impesheni?

Ngaphambi kokuba unqume ukuthi lo indexation zomshuwalense ingxenye yempesheni, udinga ukuqaqa ukubaluleka lo mqondo.

Lolu hlobo lokukhokha limelela isinxephezelo bayizakhamuzi umshwalensi kanye nganoma yisiphi isizathu, abakwazi ukusebenza. Lokhu kungase kube ngenxa yokuguga, ukwabela amaqembu ukukhubazeka, khona amalungu omndeni ekhubazekile, izinzuzo abasindile '.

Kulesi hlobo izinkokhelo zihlanganisa izingxenye ezimbili. It is ngqo oVikelwe impesheni, ebalwa kanye indexation yomshuwalense ingxenye yempesheni ngempoqo nokuqothulwa kwezinhlanga nani.

Yiziphi izinhlobo ezahlukene impesheni

impesheni Umshuwalense ungayixotshi izakhamuzi kuphela abasendleleni ukuphumula okufanele, kodwa futhi nabanye abantu kanye isizathu ezikhona. Kunemininingwane ephelele yezizathu lezi amacala zimi kanje:

• umhlalaphansi;
• iqembu ukukhubazeka, kuqinisekiswa umbono ikomidi yezokwelapha nje kuphela;
• ekulahlekelweni umondli.

Yiziphi izimo ukuthola umshwalense ubudala impesheni yobudala

Akubona bonke abantu abadala banelungelo lokuthola inkokhelo yomshuwalense impesheni. Kuze kube yimanje, izimo ezithile okumelwe ahlangabezane nazo, ezihlanganisa:

1. Ubudala. Ukuze ukwazi ukuthola impesheni, leyo ndoda kufanele sifinyelele kweminyaka engamashumi ayisithupha ubudala kanti owesifazane - amahlanu nanhlanu.
2. Nguyena. Esikhathini kusuka 2015 kuya 2024, leli nani lenyuka lisuka kwabangaba eziyisithupha kuya nanhlanu - unyaka per unit.
3. Usayizi impesheni siqu isilinganiso. Esikhathini kusuka 2015 kuya 2025 kule nombolo kuzokhulisa kusukela 6.6 kuya ku-30 - unyaka 2.4.

Kuyini kwesikhathi umshwalense

Inani izinkokhelo enqwabelene oluthinta ngqo usayizi umshwalense ingxenye impesheni. Inani ukuthi ukubeka isakhamuzi ngubani umhlalaphansi kuxhomeke ezicini eziningana. Omunye simo kuyinto ubudala.

Umshwalense isikhathi - ukuthi inani zonke nezikhathi ukusebenza. Lokhu kuhlanganisa neminye imisebenzi. Okungukuthi kwezimo ngenxa lapho umuntu okwesikhashana wahlanganyela zabasebenzi. Basuke kunakwe lapho kubalwa ubukhulu kwezimpesheni.

Zonke ngesikhathi lapho Pension Fund wathola iminikelo, ukungezwa ubude inkonzo. Ngokuvamile, lokhu kwenzeka ezimweni ezithile. Lezi zihlanganisa:

• Izikhungo emabuthweni ahlomile noma abomthetho (amaphoyisa, amasiko, bashushisi, izinkantolo);
• ukungakwazi yesikhashana ukusebenza ngenxa yokugula;
• womama ukuhamba, kodwa washiya konke ukunakekelwa ingane ngesikhathi esifanayo akufanele kube iminyaka engaphezu kweyisithupha;
• isimo abangasebenzi isikhashana ngenxa ukuthutha noma ukudlulisa yenhlangano yabo endaweni ehlukile;
• ahlanganyele emsebenzini ngaphansi zokuzithandela;
• uhlale esitokisini ngenxa amacala emthethweni noma ezingabekwa zokucindezelwa kwalabo bantu;
• anakekele umuntu okhubazekile neqembu lokuqala ukukhubazeka, umntwana okhubazekile nokuhlangabezana umuntu osekhulile abaneminyaka engama bengamashumi ayisihiyagalombili;
• abafazi lempi ukuhlala izindawo nokungakwazi ukuthola umsebenzi (ngalesi sikhathi akufanele idlule eminyakeni emihlanu);
• inkathi yokuhlala namalungu emindeni yabasebenzi kwezikhungo zamanxusa phesheya (eminyakeni yokuqala emihlanu kuphela).

Sengezwe isikhathi ubudala efakwe ohlwini kuphela uma, ngaphambi noma ngemva kwalesi sikhathi kwenziwa umsebenzi zabasebenzi.

Uyini indexation kwezimpesheni?

Eminyakeni yamuva, i-umshwalense ingxenye yempesheni ilawulwa uhulumeni. Yenkomba - iwukuba ukwandisa ubungako izinkokhelo, okuyinto minyaka yonke. Ukuze ukwandisa ezingeni indexation kuthinta ukwehla nakwentiwa ungqimba ebucayi sabantu.

Njengoba kukhona umshwalense ingxenye impesheni (lapho indexation kubhekwa kulesi sihloko), kanye nomphakathi, indlela kwesabelo lihlukile. Izinga wokukhuphuka usayizi nezinzuzo zezenhlalo kuthinte ubuncane ukudla esifundeni ngasinye. A indexation zomshuwalense ingxenye yempesheni incike amacala omphakathi, i-index izinga lokwehla kwamandla emali futhi isivuno Pension Fund we Russian Federation.

Kanjani izinkomba zichazwe ukwabiwa

I Coefficient indexation zomshuwalense ingxenye yempesheni is recalculated ngokusho izinkomba zomnotho, ikakhulukazi emali. Kodwa ngesikhathi esifanayo usayizi amabhonasi ngeke idlule umthamo kwesabelomali isimo. Ngenxa yalesi sizathu, ukwabiwa yonyaka kulawulwa umthetho. On the inqubo asithinti nje kuphela isimo sezimali esifundazweni sase, kodwa futhi isimo emphakathini. Ukuze lokhu kulungiswa uhulumeni izibonelelo extra Kwamiswa ngokuvumelana neziqondiso ezikhethekile nezahlulelo.

Indexation yomshuwalense ingxenye impesheni iminyaka kwadingeka incazelo ehlukile, futhi umkhondo Dynamics yayo nzima, ngoba zokubala kabusha bathonywe izinto ezihlukahlukene. Kuze 2013 inqubo kubalwa isilinganiso ungomunye wabo. Khona-ke isimo sezimali Russian Federation waqala kubi kakhulu futhi recalculated ngokuphelele ukubonakalisa isimo kuleli zwe. Ngakho, ngo-2016 izakhamuzi ngokuhlala umhlalaphansi, wathola impesheni ezingeni konyaka odlule. Yenkomba yaqokwa Imali yesikhathi esisodwa, futhi ulinganisele walo wawenziwe amaphesenti amane.

Yiziphi Dynamics ekubalweni indexation

Ngonyaka odlule, njengoba sekushiwo, kanye kuphela kwathiwa recalculated yomshuwalense ingxenye yempesheni. Lokhu kwakubangelwa ukwehla umthwalo isabelomali isimo. Yenkomba, kulo nyaka sihlinzekela ukwanda ezimbili. Omunye okumele ekuqaleni kuka-February, omunye kuyokwenzeka ngo-Ephreli. Inqubo okunjalo eyayifunwa umthetho.

Indexation zomshuwalense ingxenye yempesheni kwadingeka value ehlukile unyaka ngamunye:

• ngo-2010 - 6.3%;
• ngo-2011 - 8.8%
• ngo-2012 - 10,65%;
• ngo-2013 - 10.12%;
• ngo-2014 - 8,31%;
• 2015 - 11.4%;
• 2016 - 4%;
• e 2017 - 5.8%.

Njengoba-ke uzobe recalculated e 2017?

Ukuze ngandlela-thile isinxephezeliso izinkokhelo ngo-2016, uhulumeni wanquma ukuzinika ezicela a inani elimisiwe-ruble ayizigidi ezinhlanu.

Isici ukulungiswa nyaka incike inani impesheni, eyasungulwa ekupheleni 2016. Njengoba emali lokwaba ngemaphesenti lali-5.8, ukubaluleka ibalwa ilingana 1,058.

Ngokuhambisana aqiniswa nyaka Inkomba, umshwalense, izimpesheni isilinganiso eRussia zimi kanje:

• yobudala - 13 620 ruble;
• khona ukukhubazeka - ruble 8457;
• osindile - ruble 8596.

Uma ungenalo acabangele inkokhelo esinqunyiwe ke singasho ukuthi kule nkathi kungukuthi eyenziwa indexation zomshuwalense ingxenye, kodwa kunalokho ukulungiswa yayo.

Lolu shintsho lokuqala wenziwa Februwari 1, ucabangela ubukhulu kwemali umthengi onyakeni owedlule. Lokhu zokubala kabusha abophe. Eyesibili incike inzuzo Pension Fund yeRussia, nangokuhambisana kahulumeni wayo ozimele usetha izinga. Kodwa nangenkomba is olwenziwe yi-lokuqala Apreli, ngokuvumelana nomyalo wokuba olufanele abakwazi kwenziwe kube ngaphandle.