Modern Russian pension system includes some type of savings, which are formed of the above employer.Try to understand what is in the insurance and funded part of the pension.
What is included in a future software
insurance and funded part of a pension account for 22% of the salary of each employee.Funds go to the formation of future pension, which includes insurance and cumulative components.Insurance is 16%, and the cumulative - 6%.Insurance of the State of charges on payment applicable to pensioners and takes into account in the form of obligations to pay pensions to future retirees.Insurance and funded part of pension consist of all revenues, translated by the employer to a special account of the employee.Account number is shown on the card SNILS.State permits multiply cumulative savings by fund managers and companies.
main components of pension
consider what is the difference between the insurance and funded pension.
Insurance:
- is 16%.
- directly depends on the total length of service and salary level.
- Pension Fund is calculated by a special formula (the quotient of the retirement capital at the time of retirement and the number of months of future transfers; is added to the result set by the state at least - the basic part).
- manage funds a person can not.
- Payment is made monthly on reaching a certain age legislation (55 years - the female part of the population and 60 years - the male).
Funded:
- is 6%.
- depends on the level of wages and the term of monthly installments.
- person can manage it - to transfer to any non-governmental pension fund or trust management company, thereby further increasing the size of their pension.
How to preserve and increase the accumulation of
insurance and funded part of pensions are formed throughout the seniority rights.Insurance savings - is guaranteed by the payment of money by the state, depending on seniority, and in the funded component includes 6% of the employer transfers to the pension fund from January 1, 2012.
Now any working person can choose the following options for disposal of cumulative provision:
- Leave it to the state pension fund, entrusting the preservation of the management company.
- Give preference to any responsible company, which funded part of the software will be stored in public housing and dispose of the funds would be pension fund, which has a contract with the enclosed public funds.
- Management cumulative savings made under the complete control of private pension funds, in which the transfer of funds.
Funded part of the pension and insurance - obligatory components of the future pension.Anyone can take care of the obligatory provision by suitable option management of reserve accumulation.
