After the pension reform in Russia, the pension formation system itself has changed. A person can now influence the size of their future pension by investing part of their retirement savings. Of the 26% of the salary that the employer pays for the employee's pension insurance, 6% is the funded part of the pension. By properly managing this money, a person can secure a high pension for himself in the future.
It is necessary
- - passport;
- - insurance pension certificate;
- - the last letter from the Pension Fund.
Instructions
Step 1
Find out where your retirement savings are now. You can clarify information about the management company or pension fund, which contains part of your future pension, in a letter from the Pension Fund. These letters should be sent annually to every citizen who began to work and pay insurance pension contributions. If you have not disposed of the funded part of the pension in any way, the letter should indicate the state management company - Vnesheconombank Management Company (VEB Management Company).
Step 2
Find the most suitable non-state pension fund or management company for you. They differ in that the money transferred to the management of the company remains in the state pension fund. At the same time, there is an opportunity to get more income from these funds. You can familiarize yourself with the full list of non-state pension funds at the branch of the state pension fund at your place of residence.
Step 3
Find information on the profitability of the pension funds and management companies (MC) you are interested in. This can be done on their websites. Pay attention to the profitability not only for the last reporting year, but also for the previous time. It is also useful to pay attention to the fund's position in the state rating of the reliability of non-state pension organizations.
Step 4
Having chosen a fund or a management company, apply there for the transfer of your funds. You must have your passport and pension insurance certificate with you. It will take 10-15 minutes to complete an application for translation.
Step 5
After completing the application for the transfer of your funded part of the pension, take your copy of the contract and keep it so that you know where your money is kept. The money will not be transferred from the state fund immediately, but in March next year. The translation is free of charge.
