Копите на радость

Накопительной пенсионной системе Казахстана – 20 лет. За эти годы наша страна прошла огромный путь развития, как в социально-демографическом, так и в экономическом плане, преодолевая немалые трудности и бросая вызов все новым веяниям времени. Вместе с этим и казахстанкая пенсионная система перетерпела существенные изменения, модернизируясь и совершенствуясь под новые реалии жизни. Сделать небольшой экскурс по страницам истории казахстанской пенсионки и узнать о перспективах ее развития нам помог директор филиала г. Астана Шарипов М.Т.

Вопрос о необходимости совершенствования советской пенсионной модели встал на заре независимости. После развала Союза из-за экономических сложностей молодого государства существовавшая в советское время солидарная пенсионная система оказалась несостоятельной. Казахстан начал изучать мировой опыт в поисках идеальной для себя модели. Наиболее оптимальным оказалась чилийская модель, котораяв 80-х годах была признана одной из лучших в мире. По примеру Чили и согласно рекомендациям Всемирного Банка, пенсионные реформы были проведены в целом ряде стран Латинской Америки, Восточной Европы и СНГ. Казахстанская модель переняла ее главный принцип – обязательные ежемесячные пенсионные взносы работников в накопительный пенсионный фонд в размере, установленном как процент от дохода, аккумулируемых на индивидуальных пенсионных счетах с капитализируемым инвестиционным доходом. После многочисленных общественных обсуждений, 20 июня 1997 года был принят Закон «О пенсионном обеспечении в Республике Казахстан».

Таким образом, Казахстан первым из стран постсоветского пространства перешел к смешанной пенсионной системе, основой которой стала накопительная модель. В сентябре 1997 года Постановлением Правительства РК был создан Государственный накопительный пенсионный фонд (ГНПФ). C начала 1998 года казахстанцы начали перечислять 10 процентов дохода в качестве обязательного пенсионного взноса на индивидуальные пенсионные счета. С этого года наряду с государственным пенсионным фондом в Казахстане стали появляться частные пенсионные фонды. Каждый гражданин имел право выбрать пенсионный фонд, в который он будет перечислять взносы. Если он затруднялся сделать такой выбор, то взносы по умолчанию перечислялись в ГНПФ.

Вскоре в 2013 году на базе ГНПФ был создан Единый накопительный пенсионный фонд (ЕНПФ). После того как ЕНПФ передали активы частных фондов, сократились административные и операционные расходы, а также значительно снижен уровень комиссионных вознаграждений по сравнению с комиссиями, взимаемыми частными фондами. Также устранен риск совершения заведомо убыточных сделок с аффилированными лицами. Прекратилась злокачественная миграция вкладчиков из одного фонда в другой, что способствовало снижению общей эффективности системы. При этом появление ЕНПФ не повлияло на пенсионную систему. Как и прежде, в Казахстане сохраняется многоуровневая система: солидарный компонент, обязательная накопительная часть и добровольные накопления. Совокупная пенсия также складывается за счет выплат из двух источников: из государственного бюджета в виде базовой и солидарной пенсий, и из ЕНПФ за счет имеющихся накоплений.

Пенсионная система постоянно модернизируется, чтобы соответствовать вызовам времени. В ЕНПФ ведутся актуарные исследования и прогнозы дальнейшего развития накопительной пенсионной системы Казахстана при различных сценариях в перспективе нескольких десятилетий. Специалисты Фонда также изучают международный опыт, в частности тех стран, где достаточно развито то или иное направление развития накопительной пенсионной системы. Так, разработка условно-накопительного компонента успешно используется в Швеции. В то же время большое внимание развитию добровольных пенсионных накоплений уделяется в Германии и Малайзии. Опыт Сингапура привлекателен альтернативным использованием пенсионных накоплений, а Гонконга – инвестиционной стратегией управления пенсионными активами.

Однако несмотря на планируемые нововведения, Казахстан сохранит имеющиеся принципы диверсификации пенсионного обеспечения, когда за счет достоинств одного компонента системы компенсируются недостатки другого. Так, солидарный компонент постепенно будет заменяться накопительным, пока в 2040-х, когда на пенсию начнут выходить люди, не имеющие стажа до 1998 года, полностью не исчезнет.

Кроме того, в Национальном Банке Республики Казахстан идет активная работа по разработке предложений о передаче части функций управления пенсионными активами в конкурентную среду: частным казахстанским и зарубежным компаниям. Планируется, что вкладчика наделят правом выбора инвестиционной стратегии и частной управляющей компании. При этом ЕНПФ останется единым администратором и оператором всех финансовых и информационных потоков накопительной пенсионной системы РК.

Помимо структурных изменений будут и качественные. Свои условия диктует быстрое развитие информационных технологий. В настоящее время в целях поддержания качества оказания услуг ЕНПФ работает над созданием максимального доступа к услугам фонда, в том числе через Интернет. Уже сегодня практически вся линейка пенсионных услуг доступна в цифровом формате, и это в корне меняет стиль взаимоотношений с нашими вкладчиками, подход к обслуживанию становится все более персональным, более оперативным.

93 thoughts on “Копите на радость

  1. I just want to say I am new to blogging and site-building and seriously enjoyed this web site. More than likely I’m planning to bookmark your blog . You actually have fabulous article content. Thanks a bunch for sharing with us your web-site.

  2. I just want to mention I’m new to blogging and site-building and truly savored you’re blog. Very likely I’m planning to bookmark your site . You certainly have really good writings. Kudos for revealing your web site.

  3. I simply want to mention I am beginner to blogs and absolutely enjoyed you’re web page. Likely I’m going to bookmark your blog post . You certainly have remarkable articles and reviews. Thanks a lot for sharing with us your blog.

  4. Hi, Neat post. There’s a problem with your site in internet explorer, would check this… IE still is the market leader and a big portion of people will miss your wonderful writing because of this problem.

  5. Good day! This is my 1st comment here so I just wanted to give a quick shout out and tell you I truly enjoy reading through your blog posts. Can you recommend any other blogs/websites/forums that go over the same topics? Thanks a lot!

  6. Greets! I was reading your site for the first time while at work and wanted to tell you I really liked it. I wanted to share a site too. You can learn about past life regression there. Check it out if you’re interested. Thanks!!

    http://www.astralware.com

  7. I’m not sure why but this weblog is loading very slow for me. Is anyone else having this problem or is it a issue on my end? I’ll check back later on and see if the problem still exists.

  8. Terrific work! That is the kind of information that are meant to be shared across the web. Disgrace on the seek for now not positioning this submit upper! Come on over and seek advice from my website . Thank you =)

    http://www.repairloader.net

  9. Thanks for your posting. I also think that laptop computers are becoming more and more popular currently, and now in many cases are the only type of computer utilised in a household. The reason is that at the same time that they’re becoming more and more very affordable, their computing power keeps growing to the point where they can be as robust as pc’s coming from just a few years back.

  10. Hello, Neat post. There’s a problem along with your site in web explorer, may check this… IE nonetheless is the marketplace leader and a good part of other folks will pass over your fantastic writing due to this problem.

  11. Thanks for your posting on the vacation industry. I’d personally also like to add that if you’re a senior considering traveling, it truly is absolutely essential that you buy travel insurance for older persons. When traveling, golden-agers are at high risk of experiencing a healthcare emergency. Receiving the right insurance policy package on your age group can look after your health and give you peace of mind.

  12. Excellent web site. Plenty of useful info here. I am sending it to a few buddies ans also sharing in delicious. And certainly, thank you in your sweat!

  13. I wish to express my thanks to you just for rescuing me from this type of issue. Because of looking out throughout the internet and meeting opinions which are not pleasant, I believed my entire life was gone. Existing without the presence of approaches to the issues you’ve sorted out as a result of this guide is a crucial case, as well as the ones which might have negatively affected my entire career if I had not discovered your web site. Your actual expertise and kindness in taking care of the whole lot was important. I’m not sure what I would’ve done if I hadn’t come upon such a thing like this. I can also at this time relish my future. Thanks so much for your professional and amazing help. I will not hesitate to endorse the blog to anybody who wants and needs direction about this situation.

    http://www.kingesports.com/articles/news/Unknown/140/patch-update-1.13-for-infinite-warfare-live-on-ps4xb1pc

  14. Magnificent beat ! I wish to apprentice while you amend your web site, how can i subscribe for a blog site? The account aided me a acceptable deal. I had been tiny bit acquainted of this your broadcast provided bright clear idea

  15. Pretty nice post. I just stumbled upon your weblog and wanted to say that I have really enjoyed surfing around your blog posts. In any case I’ll be subscribing to your rss feed and I hope you write again very soon!

  16. F*ckin’ awesome issues here. I’m very satisfied to peer your article. Thank you so much and i’m taking a look ahead to touch you. Will you please drop me a mail?

  17. Nice blog here! Also your web site loads up fast! What host are you using? Can I get your affiliate link to your host? I wish my site loaded up as fast as yours lol

  18. Hiya, I am really glad I’ve found this info. Today bloggers publish just about gossips and internet and this is really annoying. A good web site with exciting content, that is what I need. Thank you for keeping this site, I will be visiting it. Do you do newsletters? Can’t find it.

  19. Hey, you used to write great, but the last several posts have been kinda boring… I miss your tremendous writings. Past few posts are just a little out of track! come on!

  20. I should say also believe that mesothelioma cancer is a exceptional form of cancer that is generally found in these previously subjected to asbestos. Cancerous cells form inside the mesothelium, which is a protective lining that covers almost all of the body’s organs. These cells commonly form within the lining from the lungs, abdomen, or the sac that encircles one’s heart. Thanks for revealing your ideas.

  21. Woah! I’m really digging the template/theme of this site. It’s simple, yet effective. A lot of times it’s tough to get that «perfect balance» between superb usability and visual appeal. I must say you have done a amazing job with this. Also, the blog loads super fast for me on Internet explorer. Outstanding Blog!

  22. I enjoy you because of your own labor on this web site. Betty delights in getting into research and it’s really simple to grasp why. My spouse and i hear all of the lively form you offer efficient guides on this blog and as well attract contribution from some other people on this content so our own princess is actually discovering so much. Take pleasure in the rest of the new year. You are carrying out a superb job.

  23. Hello there, just became alert to your blog through Google, and found that it is truly informative. I am gonna watch out for brussels. I will appreciate if you continue this in future. Lots of people will be benefited from your writing. Cheers!

    http://learn.smc.edu.ng/members/lewis30785/

  24. I must say, as a lot as I enjoyed reading what you had to say, I couldnt help but lose interest after a while. Its as if you had a good grasp to the subject matter, but you forgot to include your readers. Perhaps you should think about this from far more than one angle. Or maybe you shouldnt generalise so considerably. Its better if you think about what others may have to say instead of just heading for a gut reaction to the subject. Think about adjusting your own thought process and giving others who may read this the benefit of the doubt.

    http://www.repairloader.net

  25. Hello! Do you know if they make any plugins to help with Search Engine Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good results. If you know of any please share. Thank you!

  26. fantastic points altogether, you just won a emblem new reader. What might you recommend about your submit that you made a few days ago? Any sure?

  27. hello!,I like your writing very much! share we communicate more about your article on AOL? I need a specialist on this area to solve my problem. Maybe that’s you! Looking forward to see you.

  28. I’m truly enjoying the design and layout of your blog. It’s a very easy on the eyes which makes it much more pleasant for me to come here and visit more often. Did you hire out a developer to create your theme? Outstanding work!

    https://www.men-health.net

  29. I’m extremely impressed with your writing skills and also with the layout on your weblog. Is this a paid theme or did you customize it yourself? Anyway keep up the excellent quality writing, it is rare to see a nice blog like this one these days..

  30. I’m curious to find out what blog system you have been utilizing? I’m having some small security problems with my latest site and I would like to find something more secure. Do you have any suggestions?

  31. I am really loving the theme/design of your blog. Do you ever run into any web browser compatibility problems? A handful of my blog audience have complained about my website not operating correctly in Explorer but looks great in Safari. Do you have any solutions to help fix this problem?

    https://viagratrader.com

  32. Hi are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you need any html coding knowledge to make your own blog? Any help would be really appreciated!

  33. You made some decent points there. I looked on the internet for the topic and found most individuals will go along with with your blog.

  34. I would like to thnkx for the efforts you have put in writing this site. I’m hoping the same high-grade blog post from you in the upcoming also. In fact your creative writing abilities has inspired me to get my own site now. Actually the blogging is spreading its wings fast. Your write up is a good example of it.

  35. Its such as you read my thoughts! You seem to grasp so much about this, like you wrote the ebook in it or something. I feel that you simply can do with a few p.c. to power the message house a bit, however other than that, this is excellent blog. A fantastic read. I’ll certainly be back.

  36. I like what you guys are up too. Such intelligent work and reporting! Carry on the excellent works guys I have incorporated you guys to my blogroll. I think it’ll improve the value of my site :).

  37. great points altogether, you just gained a new reader. What would you suggest about your post that you made a few days ago? Any positive?

  38. What i don’t understood is actually how you are not actually much more neatly-favored than you might be right now. You are so intelligent. You understand therefore significantly when it comes to this topic, made me in my opinion believe it from a lot of varied angles. Its like men and women don’t seem to be interested until it is something to do with Girl gaga! Your personal stuffs great. All the time maintain it up!

  39. Nice read, I just passed this onto a friend who was doing a little research on that. And he just bought me lunch because I found it for him smile Thus let me rephrase that: Thanks for lunch! «No one can wear a mask for very long.» by Seneca.

  40. Thank you for the sensible critique. Me and my neighbor were just preparing to do some research on this. We got a grab a book from our area library but I think I learned more clear from this post. I am very glad to see such great info being shared freely out there.

  41. wonderful points altogether, you simply won a brand new reader. What could you suggest about your publish that you just made some days in the past? Any sure?

  42. Its like you read my mind! You appear to know a lot about this, like you wrote the book in it or something. I think that you could do with a few pics to drive the message home a bit, but other than that, this is magnificent blog. An excellent read. I will definitely be back.

  43. Hello there, I discovered your blog by means of Google whilst looking for a comparable topic, your web site came up, it seems to be great. I’ve bookmarked it in my google bookmarks.

  44. I have been surfing online more than 3 hours today, but I by no means found any attention-grabbing article like yours. It’s beautiful value enough for me. In my opinion, if all webmasters and bloggers made good content material as you probably did, the net might be much more helpful than ever before.

  45. You could certainly see your enthusiasm within the paintings you write. The sector hopes for even more passionate writers such as you who are not afraid to say how they believe. Always go after your heart. «We are near waking when we dream we are dreaming.» by Friedrich von Hardenberg Novalis.

  46. I discovered more something totally new on this weight-loss issue. One particular issue is that good nutrition is vital any time dieting. A tremendous reduction in bad foods, sugary meals, fried foods, sugary foods, beef, and white-colored flour products may be necessary. Keeping wastes parasitic organisms, and toxins may prevent aims for shedding fat. While particular drugs temporarily solve the condition, the horrible side effects are certainly not worth it, plus they never present more than a short-term solution. It can be a known indisputable fact that 95% of diet plans fail. Many thanks for sharing your ideas on this site.

  47. I’m not that much of a internet reader to be honest but your blogs really nice, keep it up! I’ll go ahead and bookmark your website to come back later on. Cheers

  48. hi!,I like your writing very so much! proportion we communicate more approximately your article on AOL? I require a specialist in this space to resolve my problem. May be that is you! Looking ahead to see you.

  49. Nice post. I was checking continuously this blog and I am impressed! Extremely helpful information specifically the last part 🙂 I care for such info a lot. I was looking for this certain information for a long time. Thank you and best of luck.

  50. One thing is that one of the most typical incentives for utilizing your credit cards is a cash-back or maybe rebate supply. Generally, you’re going to get 1-5% back upon various purchases. Depending on the cards, you may get 1% again on most buying, and 5% in return on expenditures made on convenience stores, gasoline stations, grocery stores plus ‘member merchants’.

  51. Terrific paintings! That is the kind of information that are meant to be shared around the net. Disgrace on the seek engines for not positioning this submit upper! Come on over and consult with my web site . Thank you =)

  52. I just couldn’t leave your site before suggesting that I really enjoyed the usual info an individual supply to your guests? Is going to be again incessantly in order to check up on new posts.

  53. I keep listening to the news broadcast speak about getting boundless online grant applications so I have been looking around for the top site to get one. Could you advise me please, where could i find some?

  54. My wife and i ended up being now delighted Albert could finish up his basic research because of the ideas he came across through your web site. It’s not at all simplistic to just be releasing helpful tips which a number of people have been selling. And we all know we’ve got the blog owner to thank because of that. Those illustrations you made, the simple website menu, the relationships you help to create — it’s got mostly sensational, and it’s really letting our son and us reason why that topic is brilliant, and that’s truly essential. Thank you for everything!

  55. Hello just wanted to give you a quick heads up. The words in your article seem to be running off the screen in Chrome. I’m not sure if this is a formatting issue or something to do with internet browser compatibility but I thought I’d post to let you know. The layout look great though! Hope you get the issue fixed soon. Thanks

  56. You could definitely see your enthusiasm in the work you write. The world hopes for even more passionate writers like you who are not afraid to say how they believe. Always follow your heart.

  57. I was just seeking this information for some time. After six hours of continuous Googleing, at last I got it in your site. I wonder what is the lack of Google strategy that do not rank this kind of informative web sites in top of the list. Generally the top sites are full of garbage.

Добавить комментарий

Ваш e-mail не будет опубликован.