Government of the Russian Federation has decided that from 2014, part of the pension, which is called the accumulation will be reduced from 6 percent to 0. But it is possible to maintain the usual six percent if to know where to transfer the funded part of the pension.
First of all, to save those same six percent have to submit a special application to the Pension Fund.The transfer of all powers to the agent will not pass here, it is necessary to do everything yourself.
This procedure itself is free, only to have to spend some time trying to fill a number of documents.
pension - from which it is formed?
Accumulation and pensions - are two separate processes that should distinguish if a person thought about where to transfer the funded part of the pension.When it reaches a certain age, payment of his pension begins.And the accumulation of money is related to the taxation of citizens who are still working.
Until the end of 2013 - it was before?
Of the total salary of every citizen around 30 percent before taxes was spent on.6% is deducted just out to form part of the pension funded, another 20 - the insurance part.The rest of the money goes to other funds.
storage means called a sum of money that is stored on
pension account, individually for each citizen.In addition, these funds can bequeath to heirs.This may partly solve the problem with where to transfer the funded part of the pension.It is quite another thing - the insurance element of the pension.
This component is fully controlled and regulated by the state.That insurance is spent on current payments to pensioners.In our country, there is a tendency of annual increase in their numbers.Therefore, the issue of pension now being paid a lot of attention at the state level.
Why do I need a funded part of the pension?
As already mentioned, the formation of this amount comes on a separate account that is registered to a particular person.So, in principle, the question of where to transfer the funded part of a pension, should not occur.Such money can not be spent on something to pay pensions to people who already have reached the required age.She transferred to heirs or upon death, or a bequest.
government promises that the social pension at a rate of increase for those who refuse to be fully funded part.But while it is hardly possible to be confident that such initiatives will be implemented soon.
worth noting: the normal pension of six per cent will continue to pay for those who will transfer the funded part of pension fund at the end of 2013.Overall, next year in this area changes almost in sight.The ability to abandon pension savings of the proposed state by default.
Those who are not aware of this reform should hurry to do everything as it should be.Funded part of the pension in 2013 still persisted.Translation funded part of the pension from one pension fund to another may take some time, because it is possible to lose some cash.
