State guarantees every citizen of his retirement, the amount of which consists of several parts.Basic is the minimum retirement pension.It is required to pay if you have worked for more than 5 years.Insurance depends on the salary and is formed from the 10% that you deducted from their hard-earned money every month.Finally, the storage includes 4% of earnings and is replenished by your investment.Her pension is not the people who were born in 1966 and earlier: they have funded a part of the insurance part.
Manages funded part of the GAM, but, as an option, you can use the services of other management companies that will carry out the formation and allocation of pension.
each official working citizen of the PF receives notification as to which funded part is currently on his account.It is possible to dispose of at their discretion, for example, to transfer to the trust company.The only thing you can not - is to hold the money in hand and spend them.At least, as long as you do not go away for retirement.Then they have to be exactly yours.
Let's talk about the recalculation.It may be necessary, if the circumstances have changed and the formation of the pension you were any new documents.Recalculation of the pension may be made in such cases:
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you crossed the age limit of 80 years;
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you have a disability, or change;
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you have lost a breadwinner or able-bodied family member;
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you have enough years of service in the Far North and similar areas.
There are other options that are being discussed in every case individually with the staff pension fund.For example, to issue the recalculation of pensions to working pensioners, or recalculate pensions to military pensioners have to submit the relevant documents.
to implement recalculation of pensions must be submitted to the territorial bodies of the pension fund in the community a written statement.Exceptions are cases that go to our list first.That is an increase in old-age pension upon reaching 80 years of age and disability, if you set a higher her group.By the way, no statement can still make a recalculation of pensions in the direction to decrease it.
Speaking of the funded part of a pension, it is worth noting an important point.That money did not lie idle, they can invest.For example, translate into bonds, or to deposit a reliable bank.The sooner you do, the greater the chances of a comfortable old age.However, an important factor in deposit deductions - regularity.For example, if in twenty years to start saving for a thousand rubles, and then forty years to throw a 65-year milestone you come with a good capital of a few million and monthly interest payment twice your salary.But it is quite another thing - when forty years on a regular basis to postpone the same until retirement thousand.For such a long time accrued interest will be in the tens or even hundreds of times higher than the amount of contributions themselves.Enough for a country house, and on a trip to Europe, and to help the grandchildren.However, there is a certain percentage of financial risk, but if there is sufficient financial literacy, they are reduced to almost zero.
Now you know how the formation and recalculate pensions, as well as how to properly manage their money, not to live in poverty in old age.
