Tip 1: Accumulating or insurance pension: what to choose?
Tip 1: Accumulating or insurance pension: what to choose?
Working citizens can make a choice -leave only an insurance pension or transfer money and against future funded pension. On which pension option to choose?
Earlier (2014 and 2015) was suggested to people,who are engaged in labor activity, choose how their future pension will be formed - only an insurance pension or an insurance and accumulative pension. True, the right to choose was granted only to citizens who were born not earlier than 1967.
If you have already agreed that the money should goon two types of pensions - both insurance and funded, then you need to remember that you can cancel your decision. You can do this at any time and all contributions (6%) will go only to an insurance pension.
For employees for whom the employer startedpay contributions only from 01/01/2014, the right to choose the way to form a future pension is presented within 5 years from the time when the company first accrues fees.
Benefits of an insurance pension
When you make your choice,that the state guarantees an annual increase (indexation) of the insurance pension. And funds invested in a funded pension are invested in financial markets. And here there can be both significant income and losses. As a result, only the amount of insurance premiums paid for will remain with you. And the funded pension itself will not be indexed.
The number of pension points also depends onThe kind of pension you choose - insurance or funded. When choosing only an insurance pension, you can count on the maximum number of points - 10. If you agree to the option - an insurance pension plus a funded pension, you will be able to save only 6.25 points.
Advantages of funded pension
The main advantage of a funded pension is that your future pension does not lie as a "dead weight", but works and can bring income in the future.
In addition, a funded pension can be inherited, and insurance savings in case of death of a pensioner will be distributed among other pensioners.
Pension savings will belong toexclusively to you exactly in the amount that you were able to form by the time you retire. And the size of the insurance pension can depend, in part, on the number of pensioners in the country.
Tip 2: A new formula for calculating pensions
In Russia, since 2002, a system has been introducedmandatory pension insurance. The future pension under the new formula consists of insurance premiums, which the employer must necessarily pay for his employee to the Pension Fund.
How to calculate the pension
Since 2014, employers have paid 22% of the accrued payroll for an employee for the year. Of this amount, 6% refer to a solidary tariff, 16% to an individual tariff.
The solidary tariff is intended for the accumulation of funds for the payment of the basic amount of pensions, that is, the insurance premiums of working citizens are directed to pay current pensions.
Individual tariff is accounted for on the personal accountan insured citizen to form a future pension. For the payment of current pensions, these funds are not received. At the choice of the future pensioner, the money is sent to a non-state pension fund (NPF) or trusted by the management company for investment operations.
Types of pensions
In the state pension insurance systemfrom 2015 there will be two types of pensions - insurance and funded. Any citizen born in 1967 and younger in 2014-2015. you need to choose a pension option.
A future pensioner can direct his insurance payments to the acquisition of an insurance pension or to form an insurance and funded part of pension savings.
Insurance pension is created in pension points. The value of points is established by the authorities, and each year it increases by a level not lower than the inflation rate in the previous year. The pension is increased by increasing the cost of points.
The accumulative part of the pension depends on the resultsinvestment. According to the results of financial operations, losses are possible. In this case, payment of insurance contributions to the funded part of the pension is guaranteed by the state. The accumulative part of a citizen's pension is not protected against inflation.
Conclusion
The more premiums are paid on the frontpersonal account in the Pension Fund of Russia, the more pension benefits will be in the future. The amount of insurance contributions depends on the amount of the official salary. You can get advice on the amount of the pension and the procedure for its formation in the Pension Fund at the place of residence or through the portal of state services.
Tip 3: How will the pension be calculated?
At the moment, the labor pension depends on insurance premiums, the calculation does not take into account the length of the length of service. From 2015, a new procedure for the formation of a pension will take effect.
Instructions
1
The labor pension will continue to be composed oftwo parts: funded and insurance. But at the same time, the notion of an "annual coefficient" is introduced to assess the specific labor year of a person. This ratio is the ratio of official wages and the approved maximum wage, from which pension payments are made. The value of this coefficient in the base state can not be greater than 10.
2
But this coefficient can be increased bycertain conditions. Thus, for a year of experience between 35 and 45 for men and between 30 and 40 for women, one more point is added to the coefficient value. When the experience reaches 40 for a man and 35 for a woman, 5 coefficients are credited at a time. The size of the pension will be calculated by multiplying the received coefficient by its annually indexed cost.
3
At the same time, the coefficients are accrued for years,conducted in the army, and for the time given to the care of the baby (for the firstborn will be charged a smaller coefficient than for subsequent children). In this version of the calculation, one can find the roots of the rumor about raising the bar of retirement age, the fact is that taking into account the new system of calculation it will be more profitable to retire later.
4
For example, if you delay with retirement infor 8 years, pension payments will almost double, as the insurance part of payments will increase by 90%, and the fixed part - by 73%. To obtain a minimum pension, you will need to score 30 points of the pension coefficient.
5
The emergence of a new system will not affect existing pension rights. The size of the pensions created before the introduction of the new system can not be reduced.
6
For those who were born before 1966 validwill be only the insurance part of savings, people born after 1966 will be able to choose a non-state pension fund to form a funded part of the pension.
7
On the website of the Pension Fund of the Russian Federation you can find a new calculator, with its help you can calculate the estimated size of your pension.
