In 2002, a pension reform was carried out, which primarily affected future pensioners. For them, the pension will be formed from two main parts: insurance - the minimum provided by the state, depending on the length of service, and funded. The second part of the pension will be formed from the person's own pension contributions. And in order to properly dispose of this part of the pension, you need to know how to calculate it.
It is necessary
- - letter of notification from the pension fund;
- - data on work experience and salary.
Instructions
Step 1
Determine if you are eligible for the funded part of your pension. It is formed only in men born in 1953 and younger and in women born in 1957 and younger. For the rest of the citizens, the pension will be formed according to the old rules, like the current pensioners.
Step 2
If you are in the correct age bracket, follow the previous step by taking the last letter you received from the retirement fund. They are sent once a year in spring or summer to your registration address. Letters should be sent to everyone who works or worked, so if they are not delivered to you, contact your local pension fund for clarification.
Step 3
Find in the letter information about your funded part of the pension. Two amounts should be indicated there - accruals for the current year and the total amount on the accumulative pension account for all years of work. You will need the last amount.
Step 4
Select the "retirement calculator" to calculate your future benefits. It can be found on any site of a non-state pension fund, for example, on the sites of the Gazfond and the Lukoil Garant fund. At the same time, it does not matter in which fund your funded part of the pension is located - all calculators work according to a single mechanism.
Step 5
Open the calculator of your choice and enter the following data - your gender, age, the current amount of savings in the pension account, taken from the letter of the pension fund, work experience and average salary. Also indicate the average profitability of the pension fund in which your funded part of the pension is located. This information can be found on his website. If you did not manage your money in any way, then it was automatically transferred to the state pension fund under the management of Vnesheconombank. In this case, the return on your retirement savings was 7% for 2010.
Step 6
After specifying all the necessary data, click on the "Calculate" button. The calculator will give you information about how much you will accumulate for the entire time before retirement, and what your monthly funded part of the pension will be. These data will be shown excluding inflation.
