Tarisa yako Habitat Account Statement muPeru

Iwe unoda kuziva nzira yekubvunza kana kuona a Mamiriro eakaundi Habitat MuPeru, chinyorwa ichi chinoratidza, kuwedzera pakutsanangura izvo zvine chekuita neakaundi ega pasi pebasa reHabitat Pension Fund Administrator (AFP) muPeru.

Habitat Account Status

Iyo AFP-Habitat Account Chirevo inokutendera iwe kuti utarise nguva nenguva zviitiko zvehomwe, uchiona kushanduka kwayo, uye nekuda kweizvi unogona kushandisa nharembozha yako kana Virtual Banking nzira.

Asi usati waratidza maitiro ekuongorora yako Habitat Account Statement muPeru, zvakakosha kuziva kuti Pension Fund Administrator (AFP) inoshanda sei?Ndeipi mabhenefiti ayo? Chii chinonzi Habitat?

Pension Fund Administrators

MaAFP, ane chinangwa chekubatanidza chirongwa chepenjeni chinopindura kune zvemagariro uye zvehupfumi zvinodiwa zvePeruvia, inotariswa uye inotariswa neSuperintendence yeBanki, Inishuwarenzi uye AFP.

Semasangano emari akazvimirira, vanobata mari dzemudyandigere nenzira yemaakaundi emunhu, imwe yemabhenefiti avo kuve kupa pamudyandigere, kuremara, penjeni yekurarama, pamwe nekubhadhara mari dzemariro.

Kushanda kwemakambani aya kunotsigirwa nehurongwa hwekudyara hunoitwa nemipiro yevanobatana, izvo zvinoreva kuwana purofiti yenguva refu kana migove.

Nhengo

MuPeru, sarudzo dzekubatana dzemushandi dzinotsvaga hupenyu hwehupenyu paanenge achifunga nezvesarudzo yekurega basa, inoratidzwa nesarudzo mbiri, kuburikidza nehurongwa hwepenjeni hunotungamirirwa neAFPs uye National Pension System.

Kubatana kune yakavanzika system yemudyandigere inoreva mukana wekuti munhu angasarudze chero yemaitiro ekurega basa, achiigadzira kuburikidza nekunyoreswa kwechibvumirano chemubatanidzwa.

Vashandi vanovimbwa navo vanogona kugadzirisa kubatanidzwa kwavo kana vachinge vakumbira kubva kumushandirwi wavo chero vachifanira kupa mipiro nevashandi vakazvimiririra nekupa chitupa chavo nekusaina afidaviti.

Kubatana kune yakavanzika retirement system zvinoreva mukana wekuti munhu angasarudze ku:

• Programmed withdrawal Iyi sarudzo inokubvumira kuti urambe uchiwana pundutso uchiwana penjeni inoverengerwazve gore negore, hama dzako dzinoiwana senhaka kana ukafa.
• Hupenyu Hwemhuri Annuity, mari yaunganirwa inobatwa neinishuwarenzi uye inopihwa mune indexed soles kana madhora, kana ukafa hapana vadyi venhaka homwe.
• Muhoro wenguva pfupi neDeferred Life Annuity, inzira yakasanganiswa apo 50% yemari inoenda kuinishuwarenzi uye uine mari muakaundi yako wega, izvi hazvigone kuve pasi pe50%.
• Staggered Life Annuity, homwe yacho inotungamirwa neinishuwarenzi uye inoumbwa nezvikamu zviviri, inogadzira penjeni yekurarama.
• Yakasanganiswa sarudzo umo tinobvisa mari uye penjeni yemudyandigere.

Mhando dzemipiro yenhengo

• Izvo zvinosungirwa kuzviita pamwedzi webasa, izvi zvinoumbwa nekubhadhara kwekubatana kunoenderana neAFP, komisheni yekuyerera.
• Kuzvidira, kune chinangwa chekuwedzera huwandu hwekurega basa uye nechinangwa chepenjeni chinoiswa muCIC.
• Voluntario sin fin Previsional inogona kutorwa chero nguva nenhengo inopfuura makore makumi mashanu ekuzvarwa, inowanikwa mahara, vanoumba nhaka uye mapato echitatu anogona kubatsira.

AFP Makomisheni 

Aya ndiwo mabhadharo anoitwa nenhengo dzeAFP nguva nenguva, kuisa mari mukati nekunze kwenyika, nechinangwa chekugadzira pundutso yenguva refu, kuitira kubatsira kwemudyandigere mune ramangwana.

Makomisheni anoonekwa semubhadharo wakagamuchirwa neAFP wekutonga homwe yepenjeni uye masevhisi anopihwa neaya ndeemupiro unosungirwa, pakuyerera uye kusanganiswa.

Izvo zvinofanirwa kuchengetwa mupfungwa kuti vanobatana vanobhadhara komisheni inoiswa mune dzakasiyana siyana zvemari zviridzwa, ndosaka mari idzi dzichigona kuunza purofiti kana kurasikirwa.

Zvichienderana nerudzi rwemari, purofiti yese kana kudzoka kunofanirwa kupihwa kune vanobatana, sezvo chirongwa chemuripo chavanowana pavanotanga nguva yavo yekuzvidira yekuregera zvinoenderana neizvi.

Saizvozvo, mipiro yemubatanidzwa kuhomwe yekuchengetedzwa kwevanhu inogona kuverengerwa muhurongwa hwegumi muzana yemari yavo yese, pasina kufunga nezvemipiro yekuzvidira, yakawedzerwa kumupiro wemushandirwi, homwe yacho ndeyemunhu wega, iyo. haigone kubatwa uye yemunhu nemadhipoziti pakuona kune vanobatana.

Mabhenefiti eiyo AFP Fund

Iyo Fund inoumba nzira yekugamuchira mari uye kuchengetedza hupenyu hwako, panguva yaunomira kuita zvehupfumi uye wobva waenda pamudyandigere pasi pemhando ipi neipi.

Unokwanisa kubvisa wega kubva pazera remakore makumi matanhatu neshanu (65) remakumi mapfumbamwe neshanu kubva muzana 95.5% yehomwe yako, zvichienderana nerudzi rwemudyandigere (yekutanga kana yemazuva ose) uye ina yasara mapoinzi mashanu kubva muzana (4,5%) Inoenda ku EsSALUD, kuitira kuti uwane kurapwa paunoda.

Mari yakaunganidzwa inotarisa kuti imarii yaunoenda pamudyandigere, mune iyi hurongwa zvinova zvakakosha kuti iwe utarise yakaunganidzwa purofiti yemari, iyo inoshanduka zvichienderana nerudzi uye makore.

Mamwe mabhenefiti ehomwe ndeyekuti inokutendera iwe ku:

• Iva neIndividual Capitalization Account (CIC) uko mipiro yakaunganidzwa uye purofiti inogadzirwa neAFP inorekodhwa.
• Wana kudzoka kana purofiti inowedzera homwe.
• Ita zvipo zvekuzvidira kuCIC, nekuda kwekudzivirira.
• Wana inishuwarenzi yekuremara, anopona kana kufa
• Iva mubatsiri wevanopa mabasa ehutano.
• Penjeni inotarwa zvichibva pamipiro yakaitwa uye mihoro inogona kunge iri mumari yekunze.

Nenzira imwecheteyo, zvinotarisirwa nevanobatana pamusoro pezvikomborero zvechokwadi zvavanowana munguva refu zvinotyaira sangano rekuongorora kushanda kweAFPs uye mukana wekuita zvirongwa zvitsva kana shanduko maererano neSocial Security, kune vePeruvia.

Mhando dze AFP Fund

Idzi, sesarudzo dzekudyara dzenhengo, dzinoumbwa nezera renhengo uye chiyero chekushivirira njodzi, inoiswa se:

• Fund 0: Capital Protection kune avo vanopfuura makore makumi matanhatu nemashanu.
• Fund 1: Capital Preservation kana iwe uine makore makumi matanhatu uye pamudyandigere wave kusvika
• Fund 2: Mixed Fund yakanangana nekukurudzira avo vari pakati pehupenyu hwavo hwekushanda
• Fund 3: Capital Appreciation Fund umo mainvestimenti ane njodzi huru.

Chii chinonzi AFP Habitat?

Inoumba homwe yepenjeni inoshanda muPeru, asi inotungamirwa nekambani yekuChile, ine chinangwa chekuunza purofiti kuitira kubatsira nhengo dzinosarudza marudzi akasiyana emudyandigere kuburikidza nemari yekuchengetedza magariro.

Nekudaro, chiono chayo chine chinangwa chekusimudzira kukosha kwekuchengetedza pakati pevaPeruvia vari manheru ekuenda kwavo pamudyandigere, vachikurudzira mhindu yepamusoro, makomisheni anoshanda uye masevhisi ari nani.

Iyo AFP Habitat inosimbisa semaitiro akanaka ekuchengetedza zviwanikwa uye kunakidzwa kwehupenyu hwemhuri nekubatana mukuita zviito zvakafanana.

Ona yangu AFP Account Statement Habitat

Iyo AFP Habitat ine yakakwana tekinoroji papuratifomu yekupa dzakasiyana siyana nzira dzekubvunza maakaundi.

Ruzivo rwunopihwa nerogi rekutengesa runokubatsira iwe kusarudza panguva yakapihwa rudzi rwekuenda pamudyandigere iwe waunoda kuwana, asi zvine musoro:

• Inofambisa kutonga kwemipiro yako uye mushandirwi
• Inobvumira kuongorora huwandu hwakaunganidzwa, purofiti uye mafambiro
• Iwe unogona kuongorora shanduko yehomwe maererano nekuita purofiti nekudonha zvinoenderana nezvaunofarira.
• Enzanisa mwero wepurofiti maererano nemamwe marudzi emari
• Tevedzera bhonasi yekuzivikanwa

Ndingawane sei yangu Habitat AFP Account Statement?

• Ichishandisa email, Habitat AFP inoitumira kunhengo dzayo mwedzi wega wega chero data ravo richivandudzwa.
• Kuburikidza neHabi sevhisi iyo inoshanda maawa makumi maviri nemana pazuva gore rose, iro robhoti rakangwara raunowana kuburikidza neFacebook neMessenger social network.
• Iyo Habitat account, ichiita mashandiro epamhepo, iyo yaunowana kuburikidza nepassword yako uye chitupa.

Kuburikidza neAkaundi Yangu Yekugara

• Yangu Habitat Account inzvimbo yakagadzirirwa iwe kuti uite mashandiro ako online uye zvakare kunyatsoongorora homwe yako yepenjeni.
• Kuti uwane nzvimbo iyi, unongoda kusarudza kuti nderipi gwaro raunoda kuzvizivisa naro uye woisa password yako.

Nzira yekukumbira maAccess Codes?

Kuve nekuwana iyo AFP Habitat system iri nyore uye yakapusa, nhengo, vanodya penjeni, vashandirwi uye veruzhinji vanogona kuwana webhusaiti. www.afphabitat.cl, kugadzirisa zvitupa nemasevhisi pane chero Virtual Habitat bazi.

Iwo masevhisi ari kushanda mukati megore nemaawa makumi maviri nemana pazuva, nhengo dzinofanirwa kuve nenhamba-nhanhatu yekuwana kodhi uye nekuwedzera kodhi yekuchengetedza inovabvumira kutarisa mafambisirwo ekufamba mumaakaundi.

Kupihwa kwemakiyi kunoenderana nemaitiro ekuchengetedza anogona kudzivirira hunyengeri, asi mushandisi anofanira kutora matanho ekuchengetedza, nekushandiswa kwemapuratifomu anobva pasocial network, achifunga kuti makambani anopa masevhisi anotora data rakadzama.

Unogona kukumbira kiyi yekugara uchishandisa iyo webhu portal yeVirtual Agency, uchitevera matanho aya:

• Pinda pawebhu portal https://www.afphabitat.com.pe/solicitaclave
• Sarudza iyo Sarudza kiyi sarudzo
• Sarudza Gwaro Rudzi
• Isa nhamba yegwaro
• Pinda iyo Security Code, inoratidzwa pachiratidziro nehurongwa
• Baya bhatani rakanzi Ramba
• Iwe unogashira email ine mirairo yekutora kiyi kana kuidzosera kana zvirizvo.
• Kana iwe usina iyo email yakanyoreswa, unofanirwa kubata iyo AFP Habitat Agency kuti uite kudaro.

Nekugadzirwa kweHabitat Key, unogona kuita kutengeserana kwako online uye kutarisa zviitiko zve Previsional Fund nenzira inotevera:

• Pinda iyo webhu portal Virtual Agency https://www.afphabitat.com.pe
• Sarudza iyo My Habitat Account sarudzo
• Pinda Rudzi rweChinyorwa uye Nhamba
• Isa kiyi yako kana password

NeHabitat Account unogona kuita zvinotevera:

• Tarisa uye tarisa iyo AFP Account Statement Habitat
• Bvunza AFP mafambiro uye mabatirwo muInternet Account Account Statement.
• Tumira Chirevo cheAkaundi kune email.

• Wona kutengeserana uye kuwanikwa kwemari, kuburikidza negwaro raunogamuchira nedhijitari netsamba.
• Gadziridza data rako pachako kana ruzivo rwese rwaunoda kubata mari yako, senge data reboka remhuri vanozo batsirwa.
• Dhawunirodha chitupa chekubatana segwaro rinopupurira kuti semushandi anotsamira kana akazvimirira, unodyidzana neAFP Habitat,
• Kumbira mipiro yepenjeni, iyo inoiswa muakaundi yako yemari
• Shandura mhando yekumashure. Mhando dzemari dzine chekuita nehuwandu hwengozi uye pundutso, iyo iyo AFP Habitat inopa kunhengo.
• Pane nzira shanu dzekudyara, dzakagadzirwa kuti dziwedzere kukosha kwepenjeni. Vakadanwa:
  • Fund A - More Ngozi
  • Fund B- Risky
  • Fund C- Pakati
  • Fund D- Conservative
  • Fund E- More Conservative
• Join the automatic debit. Kuburikidza nemubatanidzwa uyu, mari ichabviswa ichaitwa otomatiki.

Data yakapihwa nekutarisa iyo Account Statement

Kubvunza iyo Habitat Account Chirevo kunokubatsira kuti uongorore mabhenefiti emari yepenjeni, iyo yakaratidza kudzikira mumakore achangopfuura, ichimisikidza kusaenzana muchikamu chenjodzi.

Paunenge uchiongorora iyo AFP Habitat Account Statement, unogona kuitarisa nekukumbira AFP yako kuburikidza nechaiyo kana yemuviri chiteshi, kuti utumire kune yako email, kana nekupinda webhusaiti, kana kuburikidza negwaro ravanotumira kuzivisa nezve yazvino mipiro. .

Iyo AFP Yemunhu Akaundi Chirevo inoratidza kukosha kwehomwe yako, mukuwedzera kukugadzirisa mamiriro ehupfumi anokanganisa kudzoka kwezvipo.

Zvinofanira kucherechedzwa kuti pari zvino muPeru, maAFP ari pasi pekuongororwa nekuda kwekusagadzikana kwavanoratidza kuzadzisa zvinodiwa neavo vanobatana navo uye kusiyanisa kwekudyara kwavo portfolio nekudzoka kushoma.

Mamiriro ezvinhu aya akonzera kudiwa mune mamwe matunhu kuti vatamire kune mamwe masangano, vachichinja zvirongwa zvavo zvekuchengetedza magariro.

Zvisinei, iyo AFP Habitat Iyiita personal account, sezvo iri gwaro repamutemo rinoratidza maonero ekuchengetedzwa kwevanhu vari mumamiriro ezvinhu ekushaya simba nekuda kwekurasikirwa nebasa ravo, inobatsira kuita sarudzo pamusoro pekuchinja nzira yakasarudzwa.

Nekuratidza mipiro yaunoita senhengo uye yewaunoshandira, zvinokupa iwe mukana wekumisikidza zvichemo kana neimwe nzira kuenderera mberi nemaitiro emutemo anomhanyisa kuzadzikiswa kwezvisungo zvakawanwa nenguva.

Kune vanhu vanoshanda mumakambani akati wandei, vanoongorora maakaundi avo, vanokwanisa kuona kana vashandirwi vachitevedzera kubviswa uye kuisa mari nguva nenguva kuitira kuti vadzivise zvipingamupinyi mune ramangwana.

Mune imwe kurongeka, AFP Habitat inoita iyo "Affiliates kune nyika iri nani" chirongwa, iyo yavanotanga nayo mibairo uye mibairo kune avo vanosarudza kuongorora zvirevo zveakaundi yavo kuburikidza nedhijitari papuratifomu. Iyo kodhi yekutora chikamu inotumirwa neemail.

Chirongwa ichi chinosanganisirwa mune izvo zvine chinangwa chekubatanidza mararamiro ari nani nekuchengetedza nharaunda.

Chinja kubva kuAFP kuenda kuHabitat

Habitat, inopa mapato anofarira mukana wekuchinja mari kuitira kuti asangane nezvavanotarisira, maitiro acho ari nyore, tarisa kuti ndeupi weAFPs wauri kushamwaridzana nawo (Integra, Prima, Profuturo, kana iwe hauna kubatana).

Inoongorora senhengo kana mubatsiri, kuti AFP-Habitat, inoramba ichiwedzera mupundutso yeFunds mhando 1,2, 3 uye XNUMX, ichiwedzera huwandu hwenhengo uye nekuzivikanwa mumisika yemasheya.

Kana iwe uchinzwisisa matanho ekutevera kuti ubatane uye uchikoshesa kukosha kwekugara uchiongorora yako Habitat AFP Account Statement, pamwe nezvikamu zvinotsanangura mari yepenjeni sevanopa vesocial kuchengetedzwa kwevanhu vePeruvia, ungangoda kuziva nezve zvimwe zviitiko mune yako. manejimendi, mune izvi unogona kuwana zvinotevera.

Zvazvino Zvakanakira Zvemagariro eMushandi muEcuador

Ita nekukurumidza chiyero kubvunza muSINAVID