According to the federal law "On Pension Payments", a pension can consist of three parts: basic, insurance and funded. The first is a mandatory part calculated individually for each pensioner. The other two are those that help make the basic part sufficient for a normal life for a person on a well-deserved rest. And there are a number of provisions spelled out in the law, which explain how you can use and dispose of both the insurance and funded part of the pension.
Instructions
Step 1
The funded part is formed based on the length of service of the pensioner and the amount of his salary. These two indicators determine the size of the accumulative contributions that go to the pension account of this or that person. You can use the funded part of your pension in different ways. One of them is the transfer of the available amount to an account with a non-state pension company, which should increase this money. To do this, the management company determines the percentage that it can offer you for placing your finances with it. Thus, the funded part of your future pension will be regularly increased.
Step 2
Some non-state pension funds assume the use of the funded part of the pension by investing it in mortgage or other securities, as well as in the bonds of a particular company.
Step 3
Deputies of the State Duma of the Russian Federation adopted amendments to the law "On Pension Payments". The amendments provide for the payment of the funded part of the pension not in equal installments every month, but one-time. But this rule applies only to the so-called "two percent". This is the category of citizens whose funded part is too small to extend it for every month. They will be paid money if the monthly increase in pension from the funded part is less than 100 rubles.
Step 4
The bill also assumes that part of the pension savings can be used by sending them to pay for treatment or to improve housing conditions.
Step 5
You can simply define the period of time during which you would like to receive your retirement benefit. The maximum allowed to indicate only 7 years. You just need to write an application to the Pension Fund. Its specialists themselves will calculate monthly payments for 7 years, taking into account the total amount of savings, after which they will appoint payments and the funds can be used.
