basis for future pensions for every citizen of the Russian Federation make contributions to the pension fund, which list the employers to the personal account of the employee.These payments are called "insurance compulsory contributions."Each employee is insured person who has a certificate of insurance to the 11-digit number of the personal account.In his monthly contributions, which in 2012 accounted for 22% of the annual fund for the compensation of employees.
contributions to the pension fund are made, if the Russian citizens and foreigners residing in Russia:
- work under the terms of the employment contract;
- work outside the country, but regularly pay contributions to the pension fund;
- are priests;
- consist of small peoples of the North and the communities engaged in traditional economic branches.
Law permitted to independently provide a place of work, self-employed or engaged in private practice.In this case, contributions to the pension fund, SP produces its own and pays a fixed amount which in 2012 paid for two receipts: 922.2 rubles per month was part of the insurance payments and 276.66 rubles - funded part.The individual entrepreneur can pay contributions once a quarter or once a year by filling in the form PF "PD 4sb tax."
pension contributions from the wages grow with the amount of payments to the employee at the place of professional activity.That means that the value of future pension can be increased.If the working man is working in several places, the pension contributions made to each of them and are sent to a single personal account.On account of the specific amount is fixed, but not real money.This amount - a guarantee of future pension.These money is going to pay pensions to those pensioners who have already reached retirement age.The state holds an annual indexation of the part of the pension, which is called insurance.
contributions to the pension fund may be made by the insured and additionally, upon written request of the employee.So will increase the funded part of the pension.This opportunity is for persons born after 1967, which allows the younger generation to take care on their own to increase their pension.These amounts are not going to pay pensions of today's pensioners, but may be invested in shares, securities, ieto be invested for the multiplication of their investments.
management of pension deductions:
- work in organizations, to deduct contributions to the Pension Fund of Russia;
- the absence of such payment by the employer to make contributions to the pension fund of their own;
- monitor their accounts via the Internet portal or via the notification letters, which annually sends PF insured citizens;
- control the accumulation, which are placed in the control group.If an unsatisfactory result, the use of funded pension you can change the management company;
- increase their length of service, asfor persons who have worked 30-40 years, the pension is much higher than in those who have a minimum of 5-10 years old guard;
- use the opportunity to participate in the program of state co-financing of pensions, which guarantees a 100% return on your investment: the payment of 12 thousand rubles, the state adds the same amount, which ultimately amounts to 24 thousand per year;
- participate in private pension schemes - is to create yourself a supplementary pension, which can be obtained by a citizen, even if he has not formed part of pension accumulation in the PF Russian.
contributions to the pension fund - is the key to a future pension.It can begin to shape any young man, who first went to work and got my first paycheck.
