Pensions Russia - a guaranteed payment of pensions to citizens of our country.Neither the scope of government activity does not cause as much criticism as the pension system.And like pension rises constantly, invent new ingenious formula of its calculation and payment across the country make large sums.But if you take each individual pensioner, you can only wonder how they live on such money.It begins to seem that the pension in Russia is similar to some mythical monster.He fed and pleasuring, beauties it eats regularly, and what to do with it, no one knows.
If we consider the pension in terms of working middle-aged man, at the moment it is a system that consists of a mandatory part of the insurance, which amounts to 20% of all pension contributions, and funded part (respectively 6%).At the same cumulative percentage to be reduced.I would like to ask a question: why is it needed at all if the result is a very small amount?
It forms part of the insurance pensions of current retirees.Working people making contributions to pay old-age pension.Incoming fixed amount in the account.I promise that in the future from the amount accumulated on it, a man credited his pension.But!Oh, it's a "but"!Most of the official salary in Russia is the cost of living, and what will happen to these pension cents, is not clear.In addition, pension reforms in our country occur with surprising regularity.Even with a good "white" salary, a man can not get a guarantee that his pension will not be minimal.
now private pension provision.It's a beast of unknown species.This form of pension savings exists in almost all developed countries.Man creates a certain portion of their pension itself.He chooses a fund to which expelled part of his pension contributions.The fund invests in the production or securities profits and shares it with
investors.All clear.But not with us.We go our own way entirely.Let's start with the fact that the percentage deducted by the fund, down from 6% to 4%.Do not give confidence and scandals - in pension funds, as always, the "stealing".Citizens are invited to participate in the program of co-financing.It seems that the conditions just fabulous and the people were afraid and does not believe that his money ever returned.Life taught us not to trust the authorities ... At this point in the program is beneficial to engage people who before retirement left nothing at all.Why is that?Firstly, there is a guarantee to get the money.Secondly, people born in 1966 to the funded part of the whole will give a sum not exceeding 15 thousand a year.You can dig using the retirement account as a deposit.If the storage permit will be able to receive a pension supplement for several years.But the rest will have to just believe that everything will be fine.
Pension provision is intended to guarantee citizens a full life after the onset of old age, and in our country so far only promised that pensioners may not die of hunger.
