Having reached a certain age, a person goes to retirement or, as we say, to a well-deserved rest. But often we see that our retirees do not at all seek to rest, but try to stay longer at work. It turns out that a person deserves a rest for himself, but does not use it. Pensioners would be happy to travel, buy a summer house and grow flowers there, but the size of their pension does not allow them to do so.
Instructions
Step 1
Our government proposes to take care of a comfortable old age in advance, even in youth, while there is strength to work. It is worth adopting the positive experience of foreign countries where pensions are accumulated from a young age. There are three ways to influence the size of future payments: Citizens who were born in 1967 and later have the right to dispose of the funded part of the state pension at their own discretion. To increase the size of future payments to 30-40%, you need to transfer the funded part of the pension from the state pension fund, which can deduct you no more than 10% per year, to a non-state fund or a management company. The latter offer their clients up to 20-25% per annum.
Step 2
Old age can be secured by forming an additional pension for yourself. To do this, it is necessary to conclude an agreement with a non-state pension fund, which indicates the amount and frequency of contributions. Thus, the citizen independently transfers the amount he needs to his additional retirement account. The amount of the contribution in this case is not limited. Such a system is suitable for those who receive their salaries mostly "in an envelope".
Step 3
You can use another type of non-state pension - accumulative life insurance. This system is similar to the previous one. An agreement is concluded with an insurance company for a certain period, after which the citizen must regularly pay insurance premiums, the amount of which he determines independently. At the end of the term, he is paid the entire accumulated amount and the interest specified in the contract. This amount can be paid in a lump sum or as monthly payments. Recently, cases of fraud with the funded part of the pension have become more frequent in Russia. Most often, this is the unauthorized transfer of citizens to non-state pension funds. If you start to receive letters about transfer to a non-state fund, which you did not carry out, urgently contact the competent authorities.
