The meager pensions of today's old people give rise to serious concerns in many Russians about the security of their own old age. There are several ways to increase your own pension. Each of them inspires certain doubts, but there are also many who believe that all of them are at least better than nothing.
It is necessary
- - passport;
- - pension insurance certificate;
- - fountain pen;
- - free money to invest in your own old age.
Instructions
Step 1
One of the ways to increase your future pension is to transfer contributions in its favor. They are accumulated on a personalized account from the Pension Fund of the Russian Federation to a non-state pension fund.
Such funds try to attract clients with a higher return on savings than in the PFR. Thus, according to their advertisements, more money will accumulate on the accounts of those who preferred the non-state pension fund than those who chose not to change anything.
If this offer seemed attractive, you need to come to the selected fund with a passport and pension insurance certificate and conclude an agreement with it. He will take over the other formalities.
Step 2
Another way to increase your pension is to join a private pension program. Its meaning is that the participant, on a monthly basis or at other intervals, invests personal money into a non-state pension fund (a fixed, non-burdensome amount or another option). And, having lived up to retirement, he receives a tangible increase in it.
In the West, this way of taking care of one's own old age is popular (the state pension is small in many countries), and many pension funds have existed for centuries.
If this option was attracted, the algorithm is the same: a fund is selected, an agreement is concluded with it, and the payment schedule is respected.
Step 3
Any holder of a pension insurance certificate can join the future pension co-financing program. Its meaning is that everyone who, within a year, deposits an amount of 2 thousand rubles or more to his personalized account with the Pension Fund of Russia. the state will add on this account only the same, but not more than 12 thousand rubles. At the same time, there is no upper redistribution of the amount that a person can invest in his own old age. But, no matter how much it has contributed, the state is more than 12 thousand rubles. will not add a year.
Thus, there will be more money in the pension fund, and hence the future pension too.
To participate in the program, you need to contact your FIU branch at your place of residence, write an application and get the details for making payments.
