Umthetho, State kanye nomthetho
Yini liqukethe impesheni, futhi kokukhokhwa kwempesheni njengoba ifomu?
Esinye nesinye isakhamuzi kabani yobudala iseduze ukuthi lapho kunzima ukwenza imisebenzi yakhe njengoba isisebenzi, abathi ukuthola impesheni yobudala endala. Phakathi nale nkathi, abantu sebeqala ukukhathazeka mayelana nombuzo yokuthi kuyini impesheni ibalwa futhi Iziphi izimo ezenza accrual. Futhi lokhu akuyona yonke imibuzo of interest umhlalaphansi esizayo.
Ubani omiswe impesheni yokuguga
Umhlalaphansi, kumele izimo ababili bahlangana:
- Yokuphila Isikhathi Eside Ise, lapho impesheni bayonikezwa.
- Luyophila umuntu ufanelekele ukuthola accrual ukukhokhelwa.
izinhlobo impesheni
On kabusha yempesheni, kulezi izinkokhelo ahlukana. Manje izakhamuzi nzima ukuqonda ukuthi yini izinhlobo yokuphepha komphakathi kufanele esimisiwe, kanye kusuka impesheni zomphakathi kuyinto impesheni yokuguga. Kukhona izinhlobo ezintathu izinzuzo sokuguga:
- nomphakathi;
- yabasebenzi;
- umshwalense.
I impesheni unelungelo lokuthola noma iyiphi yalezi zinhlobo izinzuzo. Ngaphezu kwalokho, ngokuvumelana nomqondo kahulumeni, uhlobo labour kancane kancane indawo umshuwalense, ukugwema ukudideka.
Inani amacala
impesheni Umhlalaphansi yakhiwa izingxenye. Kwake kwaba nesikhathi lapho ukubala eyenziwa izikimu jikelele. Manje ngamunye umuntu nesabelo ibalwa ngamunye. Ngakho-ke, esikhathini esizayo umhlalaphansi kubalulekile ukwazi ukuthi siqukethe impesheni.
Ngaphansi kwemithetho emisha lolu hlobo izinkokhelo siqukethe le izingxenye ezilandelayo:
- Experience. Akufanele kube khona esikhathini esingaphansi kweminyaka eyisikhombisa 2017, futhi unyaka ngamunye niyozenezelelwa unyaka owodwa. Ngakho, ngo-2025, lokho okuhlangenwe nakho kufanele ube neminyaka engu-15.
- Ngamunye design isici.
- Umsebenzi nakho, phakathi kwesikhathi lapho izinkokhelo enziwa PFRF.
- Inani eminikelo esenziwe umqashi.
Ngokusho ukubala entsha, impesheni wenkokhelo, okuyinto wakhona ubude isevisi kanye nenani ezibanjwayo ukuze Pension Fund inikezwa.
Coefficient ngamunye
Ukwazi lokho izingxenye siqukethe yempesheni, abantu ubuze imibuzo mayelana nentela. Kusukela 2015 lapho kubalwa impesheni is kunakwe inani lamaphuzu enqwabelene ngokuhambisana nenani inkokhelo futhi inkathi ukusebenza, okuyinto kuyingxenye ubudala. Ukuze omama ubudala zizokwenziwa izinkathi ukunakekelwa izingane ezingaphansi kweminyaka eyi-nenxenye. Lonke inani amaphuzu impesheni izobalwa njalo ngenyanga. Kabili ngonyaka, amaphuzu ngeke ibe amayunithi yemali. Kulo nyaka, 1 iphuzu ilingana ruble 78.
Ngu 2025, uhulumeni uhlela ukwandisa isibalo amaphuzu 30. Ngaphezu kwalokho, lesi sibalo kuyoba esincane. Ngo 2025, impesheni izobalwa, uma isakhamuzi okungenani iminyaka engu-15 yenkonzo futhi amaphuzu 30. Uma amaphuzu noma isikhathi akwanele ukuba index aphansi, impesheni bayonikezwa kweminyaka yezenhlalakahle nokudala. Kulo nyaka, kuyafaneleka ruble cishe 5,000. Njengoba impesheni akukwazi ngezansi ezingeni bezinga, kuyobe kwenziwe sibalo, okuzokwenza ukuthi kutholakale impesheni wazuza ilingane ubuncane ukudla ezingeni in indawo yayo.
impesheni yokuguga
Kulabo iyahlangabezana nezindinganiso sokubalwa sokuguga impesheni, ukubala okuhambisanayo senziwa. Futhi lokho izingxenye kuyinto impesheni sokuguga? Ngaphansi komthetho omusha, lolu hlobo inzuzo ihlanganisa umshwalense nezingxenye accumulative.
Umshwalense okungukuthi a okuqinisekisiwe wenkokhelo ukuthi sabelwe ngamunye impesheni. Injongo yako kwanele impela abe ubude obuncane yesevisi, uneminyaka efanele, futhi ushayele inamba ezifanele amaphuzu. Futhi, embundwini inani eliphansi zingandiswa. Lokhu kuthintwa lezi zinto ezilandelayo:
- yobudala engaphezu kuka-80;
- eyamukelayo nokukhubazeka;
- sokumpeshena nalabo abancike.
Izinzuzo imikhakha ethile yezakhamuzi
Ngo wodwana iqhaza amabutho, osomkhathi, abashayeli bezindiza. Yini liqukethe impesheni salezi zigaba yezakhamuzi? Military accrual izinzuzo kubalwa kusukela elandelayo izinkokhelo:
- amabhonasi obuphelele yesevisi;
- izihloko Inkokhelo;
- tikhundla yokukhokha.
Ukuze ukwazi ukuthi liqukethe impesheni lempi, akwanele. Kufanele lokhozi konke emisha mayelana izinkokhelo. Kufanele kuqondwe kulokho impesheni iyona impesheni yokuguga. Kuze kube manje, umhlalaphansi lempi akhokhe ingxenye ebalisisiwe we iholo, kodwa 2025 uhulumeni uhlela ukwandisa kokukhokhwa kwempesheni kulesi sigaba lezakhamuzi value 100% yomholo.
umhlalaphansi ukusebenza
izakhamuzi esezikhulile, ngubani ngesikhathi somhlalaphansi zisengaphansi umsebenzi, abasebenzi PF akukhuthazwa ukusheshe uye ngeholide. Kubantu abanjalo athuthukile isisusa isikimu. Endabeni ka renunciation yokuzithandela ngesikhathi esifanele noma umhlalaphansi ubukhulu nzuzo ikhula esizayo. Futhi likhula izimali nje kuphela kodwa futhi amaphuzu. Kubantu abanjalo, inikeza indlela ekhethekile ukubala kwabo.
Kulabo unquma uqhubeke usebenza, imikhawulo zenzelwe. Ngaphambili, lapho usuneminyaka nesabelo ezithile uzasinikwa, kodwa isakhamuzi ukuqhubeka nokusebenza ngaphandle kokulahlekelwa pay. Manje kuyodingeka ukhethe: uyaqhubeka ukusebenza bese uthole imali wathola noma ithunyelwe ngeholide. Ngokwezibalo, ambalwa kakhulu udonsa izinzuzo uma emsebenzini wokugcina wayethola iholo eliphezulu ngokwanele. Laba bantu okwesikhathi eside isikhathi beqhubeka besebenzela umhlalaphansi kuphela amacala zempilo.
Uma isakhamuzi izoqhubeka nokusebenza, uyokwazi ukwandisa ubukhulu kwezimpesheni zabo esizayo kathathu. Kodwa-ke kuzodingeka ukuhlehlisa yayo yokubhalisa emihlanu edlule. Ukuze sokuguga izinzuzo ezikhokhwe ehloniphekile, udinga ukuba umsebenzi okungenani eyishumi nanhlanu edlule futhi ungazange esingaphansi amathathu amabhola. Kulokhu, inkokhelo yanyanga zonke ziyoba kuka nanhlanu kwayinkulungwane, kepha kuphela ngaphansi kwesimo sokuthi bathola iholo "okusobala", ngaphandle ezimvilophini, nezinye engenayo washonaphi.
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