In Russia over the past few years, non-state retirement insurance. This process, the state assures, will help provide citizens with a comfortable old age. In any case, the population will receive additional income after reaching retirement age. What features does such insurance have? How and where can I arrange it? What is this all about? All this will be discussed later!
Pension system of the Russian Federation
First of all, you should pay attention to what features the so-called pension system in Russia. Supporting citizens is a direct responsibility of the state. It should be executed even after a person begins to lose his ability to work. For this, a pension system was invented - upon reaching a certain age, men and women receive monthly payments in varying amounts from the state. They depend on your length of service, as well as on the salary that is paid to you.
Only in 2002, a system of private pension insurance appeared in Russia. Now the country has a funded part of the pension. In other words, your “old age” savings are divided into two parts:
- state (mandatory);
- funded (voluntary).
Just at the expense of the second you are promised a comfortable old age. This is something like voluntary contributions that you make each month to non-state pension funds, which are then additionally paid to you in the main (state) part of the pension.
What for
Why might such a technique be required? After all, everything in the country makes some sense. The state used to provide the population with pensions without any special features. So why was private pension insurance invented? What benefits does it provide?
This system was developed for several reasons. The first is to provide citizens with the necessary funds. The second is the improvement of the general welfare of the population. After all, if older people have a good income in old age, this will only positively affect the economy of the Russian Federation. The last reason that takes place is an independent increase in one's own pension. That is, citizens get the opportunity to worry about their old age in advance. Moreover, you will have special rights. Which ones?
Population rights
What opportunities does non-state pension insurance provide? This system has many advantages, due to which you will be fully responsible for your own retirement savings.
Each citizen is able to independently determine the amount of his contributions (if it comes to voluntary insurance), the limit of monthly payments, as well as how much he will receive a pension. In other words, this component is completely dependent on the investor. A great way to independently regulate their well-being in old age!
The main advantage of this system is that you can additionally increase your own contributions. After all, non-state pension insurance of the Russian Federation includes annual profitability. The respective funds have interest rates that allow for a year to slightly increase the funds available on the citizen's account. Very good offer.By the way, you yourself have every right to choose a non-state pension fund (pay attention to profitability, it is different everywhere), and also if you want to transfer money once a year to other similar companies.
Registration
Additional pension insurance is what has become very popular in Russia now. Like any state process, the transition to this system of ensuring one's own old age in the future requires documentation. You will have to apply to the selected non-state pension fund. What documents will you need to bring your idea to life?
They are not very many. It is mandatory that you require an identity card (passport), as well as SNILS. It is these documents that NPFs will require when issuing an account in your name. You will also have to write a statement of the standard form about your desire to take out individual pension insurance. Remember, your decision is your will. No one can force you to switch to this system. provision of pension payouts. Just in case, you can bring the TIN, as well as birth certificates of children, a marriage certificate. It is not necessary to conclude a contract, but the foundation needs to know about your heirs. After all, NPFs transfer the funded part of the pension (its balance) by inheritance. It remains only to choose a pension insurance program and sign an agreement.
Graphs
What features can still meet? It has already been said that a citizen himself has the right to choose the size and frequency of payments. There are some limitations. In any case, according to the frequency of deductions. Insurance premiums are found: annual, quarterly, monthly. The most popular option is the latter. Each month, you independently transfer a certain amount of money to an account in a private pension fund. And so on until you reach retirement age.
After that, you can already think about how to get the funds available in your account. A funded pension is either paid in a certain amount of time that you set, or is paid in a lump sum payment. Please note that you cannot retire a pension earlier than the statutory period. Namely, until you are a senior citizen. Transferring funds to another pension fund is no problem, but you will not see cash, the operation will be carried out directly between organizations.
Underwater rocks
What else do you need to know about how to secure a comfortable old age with the help of additional pension insurance? As not the most pleasant features, this system includes the choice of a pension fund for deposits. This is a huge problem for most citizens.
There are reasons for that. Firstly, there are more and more NPFs in Russia every day. It is not so easy to choose an organization to which you can entrust your pension. Pay attention to the level of trust, and the profitability of companies. Secondly, often pensioners simply will not be able to receive their savings. Indeed, in practice, many pension funds, in the end, are insolvent. But functioning. Therefore, think carefully before securing yourself "in old age."
If necessary
Is such a voluntary funded pension really good? Frankly, most citizens are interested in this system. Moreover, the state says that such a solution will help ensure a decent standard of living after reaching retirement age.
But in practice, a slightly different picture is obtained. It has recently been recognized that private pension insurance and funded pension contributions have failed. All this is due to the fact that when they were introduced, the calculation was made for citizens with an average monthly income of approximately 50 thousand rubles.With such earnings, you can make decent contributions and live in "real time" without damage. In practice, for the majority of the population, earnings are much lower.
Do you want to live comfortably in old age? Citizens are advised to independently worry about savings. What are the suggested solutions to the problem? Usually the best solutions are:
- deposits in banks at interest;
- saving money "in an envelope";
- investment in real estate, which will provide additional profit in old age.
But non-state funds, although they are in demand among the population, but they do not give any guarantees that you will receive the required money when the time comes. This option can be considered, but only with a high monthly income.
