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Kwanini mafao kidogo NSSF, PPF kuliko PSPF na LAGF?

Discussion in 'Habari na Hoja mchanganyiko' started by Kimla, Jul 5, 2012.

  1. K

    Kimla JF-Expert Member

    #1
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    Ndugu zangu nimefanya mahesabu yangu kwa assumption kwamba nimechangia miezi 180 na umri wangu wa miaka 55.Monthly Gross salary yangu ni sh 402,500, Gross Annual salary ni sh 44,300,000Tsh na average monthly Salary kwa kipindi cha miaka mitano iliyopita ni sh 3,309,570.67. Nimefanya hesabu ya Monthly pension na lumpsum ya kupew kw mifuko ya NSSF,PSPF na LAGF na nimegungua NSSF wanapunja sana. Kwa mapato niliyoyasema hapo juu nimepata ifuatavyo

    NSSF: Monthly pension ni 615,871Tsh na lumpsum/kiinua mgongo unapewa sh 23,828,908
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    PsPF na LAGF; Monthly pension 615,277;Lumpsum/Kiinua mgongo unapewa 114,441,661

    Nimetumia formula zilizoko mtandaoni kwa mashirika husika kukokotoa na kugundua kuwa mifuko ya PPF na NSSF wanalipa kidogo sana ile Lampsum na monthly pension.

    Je kwa nini wanachama na NSSF na PPF tulipwe kidogo hivyo ukilinganisha na PSPF na LAGF? Naomba ufafanuzi kwa yeyote anayejua juu ya hili suala.
     
  2. K

    Kimla JF-Expert Member

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    Jamani hakuna wa zoefu wa namba ili watufafanulie juu ya hilo hapo juu
     
  3. K

    Kimla JF-Expert Member

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    Wadau hakuna mzoefu wa mahesabu haya ya pension atujuze kwani nahisi kufa mie nilioko nssf
     
  4. kibai

    kibai JF-Expert Member

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    Japokuwa amekosea kukokotoalakini ukweli ndiyo huo kwamba NSSF na PPF wanatoa kidogo kulio LAPF siyo LAGF na PSPF, kule LAPF hakuna averaging kwanza unatumia mshahara wa mwisho, averaging tafsiri yake ndogo ni bring down the value kwenye hii context kwasababu mshahara kawaida huwa unaongezeka. Kule PPF wao pesheni ni kidogo sana wanatumia factors mbili 600 na900 kugawa, wakati LAPF wanatumi 540, sasa kimahesabu ukigawanya kwa namba ndogo kama LAPF unapata zaidi. NSSF wao wana idadi kubwa ya vifao vidogo vodogo kama ukikatwa kidole 3000(elfu tatu) lakini wanajifanya wanalipa sana, ila hakuna kitu. Cha zaidi hapa ni mtu kuamua kujiunga na mfuko unaofaa, nahisi LAPF maana hawa nasikia wanaruhusu hata sekata binafsi ila PSPF nasikia ni ya walimu tu wengine hawaruhusiwi. Pole wale ambao tayari mpo ila saidieni wengine wasitumbukie, waambieni waende LAPF.
     
  5. grafani11

    grafani11 JF-Expert Member

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    Mkuu Kibai inavyooekana una uzoefu katika hili, hivi ukitaka kujua kama michango yako inapelekwa PPF kila mwezi na mwajiri wako kwa kutumia mtandao unafanyaje. Pls msaada tutani.
     
  6. GIUSEPE

    GIUSEPE Senior Member

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    Umekosea katika calculation zako. Hata hivyo sheria ya mifuko ya hifadhi za jamii ijayo, itaweka usawa katika ulipaji wa pensheni kwa mifuko yote.
     
  7. M

    Morinyo JF-Expert Member

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    PSPF siyo kwa ajili ya walimu tu, ni kwa wafanyakzi wote na wewe kama ni mtumishi wa umma na bado haujasajiliwa unaruhusiwa kujiunga.
     
  8. K

    Kimla JF-Expert Member

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    Anayejua jinsi wanavyodadavua mafao NSSF naomba atueleze uzoefu wake ukilinganisha na mifuko mingine. Ili anisaidie kujibu kuwa kwanini nijiunge na NSSF na kwa ninini iswe pspf?
     
  9. K

    Kimla JF-Expert Member

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    Anayejua jinsi wanavyodadavua mafao NSSF naomba atueleze uzoefu wake ukilinganisha na mifuko mingine. Ili anisaidie kujibu kuwa kwanini nijiunge na NSSF na kwa ninini iswe pspf?
     
  10. AL SHARPTON

    AL SHARPTON JF-Expert Member

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    Hebu wataalam njooni mtuelimishe hapa
     
  11. First Born

    First Born JF-Expert Member

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    kama sikosei wewe ni mamluki wa PSPF.
     
  12. AL SHARPTON

    AL SHARPTON JF-Expert Member

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    Tunaomba ufafanuzi nyie watu wa NSSF
     
  13. Mapovu

    Mapovu JF-Expert Member

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    Msimu wa ajira za walimu mifuko ya jamii imechachamaa kweli kweli kujitangaza
     
  14. Hunyu

    Hunyu JF-Expert Member

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    Nataka kuhama NSSF naomba anaejua procedure anifahamishe hasara na faida za kuhama mfuko ilihali bado nafanya kazi
     
  15. B

    BRAND JF-Expert Member

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    Sheria ya sasa hairuhusu kuhama mfuko mmoja kwenda mwingine ila unaweza kujiunga mfuko zaidi ya mmoja,labda kama mkataba wako umeisha ndio unaweza kubadili mfuko pindi unapojaza upya mkataba wa ajira,kama wewe ajira yako ya kudumu kama mimi basi jua hakuna jinsi hadi the end!!
     
  16. Hunyu

    Hunyu JF-Expert Member

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    Nafwa duuuuu
     
  17. Root

    Root JF-Expert Member

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    Au kama uko sekta binafsi unaomba uandikiwe barua ya kuacha kazi unapeleka huko NSSF wanakupa chako unahamia mfuko mwingine
     
  18. Shark

    Shark JF-Expert Member

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    Kufwa hufwi,
    ila cha moto chake lazima ukione tu!
     
  19. k

    kiongozi1 Member

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    na ukianza na mkataba mpya ukajiunga na mfuko mwingine mafao yalio katika mfuko uliouacha unaruhusiwa kutoa au inakuwaje hapo
     
  20. gwijimimi

    gwijimimi JF-Expert Member

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    My father was a doctor na alikua pspf so sidhan kama ni kwaajili ya walimu tu
     
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