Many are now beginning to think about the possibilities of increasing their future pension. The fact is that the size of the pension depends on the funded and insurance parts, which are determined by the official wages. The latter value is usually the minimum, since most employers prefer to pay for labor in envelopes.
Instructions
Step 1
Take a job in which the employer will reflect the full salary. As a result, the full amount of the due interest for future pension will be transferred to your savings account in the Pension Fund. If you cannot find high official earnings, then it is recommended to use alternative methods of increasing future retirement benefits.
Step 2
Use the services of a non-state pension fund. The amount of the increase in pension in this case will depend on your financial capabilities. These enterprises operate through investment. In other words, they use your savings account as a source for investing in various areas of business in order to make a profit. When you reach retirement age, you are issued a non-state pension with appropriate payments, which you can receive on an equal basis with the state one.
Step 3
Join the future pension co-financing program provided by the Russian Pension Fund. It allows each holder of an insurance certificate to deposit a certain amount of money to his personalized account with the FIU during the year, which will be credited to future payments. At the same time, there is a limitation that you can deposit no more than 12 thousand rubles per year. In order to take part in the program, it is enough to contact the PFR branch and write the corresponding application. After that, you will receive the details to which you will need to transfer money.
Step 4
Participate in special bank deposit programs for future retirees. They allow you to accumulate a certain amount of money and receive interest on it. At the same time, after the onset of retirement age, you can take the entire accumulated amount immediately or transfer it to a special retirement account.
