Greetings, dear readers!and no less expensive insured persons of the pension system... Pensioners are costing the state more and more, which means that the “screws will continue to be tightened” and every year the measures will become more drastic and tougher, but in essence the size of our future pension depends only on us and soon there will be no one to shift responsibility for your poor old age to! Therefore, we learn to plan and manage our financial capital, including pension capital!

Increase your future pension

Quite rarely, Russians think about their pensions while they are still of working age. This is due to the fact that the vast majority of our citizens are confident that retirement is still very far away and the likelihood of its occurrence is very slim. But as practice shows, this is a big and sometimes fatal misconception. Life in old age, its quality and level depend on how we approach this issue today. Despite the fact that many citizens still have enough time before reaching retirement age, this should be viewed from the perspective that there is still time to form sufficient pension capital for a prosperous life in old age. And not from the position that there is still a lot of time ahead and there will still be an opportunity to think about this issue, but it is already closer to the established age.

The latest changes to the pension system of the Russian Federation are aimed at rebuilding the consciousness of citizens and teaching us how to independently save for our old age and bear personal responsibility for the level of well-being during a non-working age.

That is why today I will give you, future retirees, some useful and practical advice on how to increase your pension capital and what simple actions can guarantee you a decent level of pension security after you stop working.

How to save for your retirement

Tip #1. In 2015, the pension system for accounting for the insurance rights of citizens changed dramatically. Now, in order to acquire the right to an insurance (state) pension, citizens must have at least 15 years of insurance experience, while previously the mandatory norm was 5 years. This is a very important change, failure to comply with which could significantly reduce the level of pension provision. To avoid this, you must ensure that your employment is of an official nature, in accordance with all the requirements of the Labor Code of the Russian Federation.

In addition, in 2015, a point system for recording the rights of citizens in terms of insurance pensions began to operate. At the current time, all insurance contributions that employers contribute to our future pension in rubles are converted and taken into account in the pension system in points. The number of points directly depends on the amount of insurance contributions that the employer pays to the tax office (since 2017). And the amount of insurance premiums directly depends on the amount of the citizen’s official earnings, since they are calculated at 22% of the payroll (employee wage fund, excluding reduced tariffs). The level of the insurance pension in the future will depend on the number of pension points earned during working life. It is worth noting that there are also requirements for the minimum amount of pension points, which is mandatory to acquire the right to an insurance pension - 30 points. If you are at retirement age (currently for M - 60 years old, for F - 55 years old), then you will have to continue your working activity in order to “earn” the required minimum, or to receive the right to a social poverty pension ( M-65 years old, Zh-60 years old). Therefore, today it is important to monitor and increase the level of your earnings, on which your future pension directly depends, and also to ensure that this earnings are “white” and that the employer makes insurance contributions in full from its calculation.

Until 2021, upon retirement, transitional requirements for the length of service and the number of pension points apply.

What determines the size of the pension?

Tip #2. Since 2002, Russians who were born in 1966 have the opportunity to form two types of pensions: insurance and funded. As we noted above, the employer pays insurance contributions in the amount of 22% of the payroll to the Federal Tax Service. Of these, 16% until 2014 were allocated to the insurance pension, and 6% to the funded pension. From 2014 to 2019 inclusive, contributions to the funded pension are “frozen”. However, from 2002 to 2014. Every Russian of the specified age has savings and it is these funds that can become good capital in accounting for your future pension. A funded pension, unlike an insurance pension, is the property of a citizen, is accounted for in monetary terms, is inherited by the owner’s successors (in case of premature death), and must be managed (invested) in order to bring additional profit through specially created financial structures - non-state pension funds or management companies.

To increase your pension capital, without additional investments, you just need to be active, leave the “silent” category (if you have not yet transferred your pension savings to the management of a fund or company) and choose a non-state pension fund/managerial company with the maximum average annual return over the last 5 years . At the same time, it is worth taking into account the reliability of the fund and some other important data: the composition of the fund’s founders, the amount of pension savings and reserves under management, the number of clients, etc.

Somebody Some citizens refuse to form a funded pension against an insurance pension, but I consider this a strategic mistake and a big omission for several reasons:

• the insurance pension cannot be inherited, but the funded pension will be inherited by legal successors;
• the insurance pension cannot be managed and additional income cannot be obtained;
• the amount of the insurance pension is tied to many macroeconomic indicators in the country, while the funded pension depends only on the citizen’s income and his choice of NPF/MC.

For clarity, I will give the calculation of the amount of pension savings:

A man, who has 15 years left before retirement, accumulated savings in the amount of 300,000 rubles over the period from 2002 to 2014. This year he decided to invest his savings through a non-state pension fund and submitted a corresponding application at the end of last year. At the same time, we determine that the average annual return of the NPF is 10% per annum, unchanged throughout the entire investment period. It is also worth considering that since 2016 there has been a mandatory period of stay in a non-state pension fund (5 years); in the event of an early change of insurer, the client loses profitability for the entire partial period of stay in the non-state pension fund. This means that the fund accrues profitability to client accounts not annually, but based on the results of the “five-year plan”.

Calculation of pension capital when participating in the mandatory savings system:

300000×10%=30000 rub. per year, the non-state pension fund brings its client additional income. income

30000×5=150000 rub. income for five years

First five years: 300,000+150,000=450,000 rubles.

450000×10%=45000 rub.

45000×5=225000 rub.

Second five years: 450,000+225,000=675,000 rubles.

675000×10%=67500 rub.

67500×5=337500 rub.

Third five years: 675,000+337,500=1,012,500 rubles.

It was by this amount that the man was able to increase his pension capital by transferring savings to the management of a non-state pension fund, while increasing the initial capital by more than 3 times.

It is worth noting that this calculation is given without taking into account the possibility of “unfreezing” the financing of the funded pension of Russians from 2019.

In order to form a decent pension, it is necessary to take the necessary actions in this direction today, and in order for them to be productive and bring the expected result, it is worth consulting with a specialist.

You can do this by writing in!

P.S. “When I retire, I will do absolutely nothing. The first months I will just sit in a rocking chair.

- And then?

“And then I’ll start swinging.” Faina Ranevskaya

Since 2002, Russia has had a pension model based on insurance principles. This means that the size of your pension now directly depends on the size of the pension contributions generated for your entire work activity on your personal account. You need to think about your well-being in your declining years now, because a pension is not a social benefit, but compensation for lost earnings.

Modern Russian legislation provides many opportunities to increase your future pension and make it worthy. Already now you can competently manage your pension savings, choose a non-state pension fund or management company to increase these funds, and join the State Pension Co-financing Program, which will help to significantly increase your future pension.

The sooner you begin to take a responsible approach to your future, the more stable and interesting your life in retirement will be.

The basis of your future pension is the mandatory insurance contributions of your employers to the Pension Fund of the Russian Federation (PFR). In 2011, according to the law, they amount to 26% of the employee’s annual earnings within the range of 463 thousand rubles for each place of work. These payments go to your individual personal account. Every working Russian has this account - the Pension Fund of the Russian Federation opens it from the moment you receive an insurance certificate of compulsory pension insurance (as a rule, this happens when you enter your first official place of work).

The larger the amount of contributions recorded in your individual personal account with the Pension Fund, the larger the pension will be - that’s why it is important to receive a “white” salary.

Funds from employers' insurance contributions are distributed between two parts of your future pension: insurance and funded.

The insurance part is formed from insurance premiums received after January 1, 2002, as well as by converting pension rights acquired by you before 2002 into the calculated pension capital. The insurance part includes a fixed base amount. From February 1, 2011, the fixed basic amount of the old-age pension was 2,963 rubles 7 kopecks.

The funds from the insurance part of your future pension are recorded in your individual personal account and are indexed annually by the state in accordance with the growth of average wages and the growth of Pension Fund income per pensioner, but not exceeding the growth of Pension Fund income. Physically, this money is used to pay pensions to current pensioners.

The funded part of the labor pension is formed:

• mandatory for working citizens born in 1967 and younger through the employer's payment of insurance contributions to the Pension Fund of the Russian Federation (in 2011 - 6% of the citizen's wage fund, but not more than 463 thousand rubles per year);

  IMPORTANT! Men born in 1953-1966 and women born in 1957-1966 also have a funded part of their labor pension, in whose favor in the period from 2002 to 2004. inclusive, insurance contributions were paid for the funded part of the labor pension. Since 2005, these deductions have been discontinued due to changes in legislation. At the same time, this category of citizens also has the right to choose a management company or non-state pension fund for investing pension savings.

• on a voluntary basis from participants in the State Pension Co-financing Program at the expense of their own voluntary insurance contributions, state co-financing funds and contributions from employers, if they are a third party to the Program.

The funds from the funded part of your future pension are taken into account by the Pension Fund in a special part of your individual personal account. By your decision, they are transferred to one of the management companies or a non-state pension fund for investment.

Why is it more profitable to retire later than the generally established retirement age?

The longer you work after reaching the generally established retirement age (60 years for men and 55 years for women), the higher the size of your future pension will be. From 2036, the established fixed base amount of the insurance part of the old-age labor pension will increase by 6% for each full year of service exceeding 30 years for men and 25 years for women.

This rule comes into force in 2015 - then it will be enough to have only 9 years of insurance experience to receive an increased pension. From 2016, 1 year will be added to this standard until it reaches 30 years in 2036.

Investing the funded part of a future pension is an opportunity to create, preserve and increase existing capital, a way to earn a plus for a future pension.

The savings part is transferred, at your choice, to a management company or a non-state pension fund, which invests pension savings in the stock market.

You can form your pension savings:

• through the Pension Fund of the Russian Federation, choosing one of the management companies with which the Pension Fund has entered into an agreement. In this case, the assignment and payment of the funded part of your labor pension will be carried out by the Pension Fund of the Russian Federation. You can choose either a state management company (GMC) - Vnesheconombank, or a private management company (MC). Private management companies have a wider range of assets for investing your pension savings than state management companies;
• through a non-state pension fund (NPF), one of the activities of which is compulsory pension insurance. In this case, all pension savings will be transferred by the Pension Fund to the NPF you have chosen, which will assign and pay out the funded part of your pension.

How to manage your pension savings?

If you want to transfer your pension savings to a management company or non-state pension fund, you must submit an application for transfer of pension savings to any Pension Fund department by December 31 of the current year. Your money will be invested in a new way from April next year!

The list of management companies and non-state pension funds, application forms and samples of their completion can be found by going to the website of the Pension Fund of the Russian Federation (opens in a new window).

Where can I get information about the results of investing pension savings?

Information about the results of investing pension savings by the management company you have chosen is indicated in the notice on the status of the special part of your individual personal account, which is sent out annually by the Pension Fund of the Russian Federation.

Information about the results of investing pension savings by the non-state pension fund that you have chosen is indicated in the notice on the status of the pension account of the funded part of the labor pension, which the NPF must send annually.

In addition, you can get acquainted with information on the results of investing pension savings of management companies on the websites:

• territorial bodies of the Pension Fund of the Russian Federation;

What else can you do to increase your future pension?

Join the State Pension Co-financing Program. All Russians can take part in the Program without restrictions, including those who do not have a funded part of their pension under compulsory pension insurance (men born in 1953 and women born in 1957).

If you deposit more than 2,000 rubles per year into your personal account with the Pension Fund, the state doubles your contribution up to 12,000 rubles per year. You can count on co-financing from the state only if your contribution under the Program during the year is at least 2,000 rubles.

Subject to your contributions in the amount of 12,000 rubles per year and state contributions, the total amount under the Program for the year will be 24,000 rubles. It can be even greater due to the income from investing your pension savings in the stock market. And this money is necessarily invested by a private or state management company or a non-state pension fund of your choice.

In addition, your employer may act as a third party to co-finance your future pension. The amount of employer contributions is not limited and does not depend on the amount of additional contributions paid by employees.

Detailed information about the Program is available on the Pension Fund website (opens in a new window).
We are also ready to answer your questions by calling 8-800-505-5555 (toll-free call).

Take part in voluntary non-state pension programs offered by non-state pension funds. Even if you form your funded part of your pension through the Pension Fund of the Russian Federation, you can still participate in non-state pension provision by concluding an agreement with any non-state pension fund.

You can enter into an agreement for individual pension services and accumulate an additional pension for yourself using the selected program offered by the Non-State Pension Fund.

The list of non-state pension funds operating in compulsory pension insurance can also be studied by going to the website of the Pension Fund of the Russian Federation (opens in a new window)

Your future pension is in your hands!

How to increase your old-age pension in 2020: effective tips for pensioners

In 2020, the average pension in the Russian Federation was 11,600 Russian rubles. This is a very small amount, on which it is difficult to live fully.

Therefore, today future pensioners and people who are already on pensions are wondering how to increase their old-age pension.

General concepts

The last change in pension legislation in the Russian Federation was carried out in 2015.

According to the changes, 2 types of pensions were allocated in the country:

1. Insurance.
2. Cumulative.

An insurance pension is a payment from the state budget from previously paid insurance contributions to the Pension Fund during working life.

A funded pension is a payment that a person receives from a non-state fund.

That is, during his employment, a person contributes a certain amount of money, and then, upon reaching retirement age, this amount is paid to him in equal monthly installments.

The majority of Russian citizens receive insurance pension contributions. Their size varies depending on the individual coefficient, which in turn is calculated based on many factors: contribution amount, length of service, etc.

Criteria for increasing the old-age pension in 2020

Today, you can increase your pension benefit by adding points to the basic coefficient.

Points are added based on increasing length of service.

You can increase your work experience by taking into account:

• Undertaking practical training while studying at a university.
• Compulsory military service.
• Caring for people over 80 years of age.
• Caring for a disabled person.
• Conditions on the labor exchange.
• Stay in a pre-trial detention center (if acquitted).

Pensioners who:

1. They have merits to the Russian Federation.
2. Siege survivors of Leningrad.
3. Liquidators of the Chernobyl accident.
4. Worked in dangerous working conditions.
5. Have disabled or incapacitated people as dependents.
6. Took part in.
7. They were prisoners of concentration camps.

It is worth remembering that women also need to include maternity leave in their work experience.

For caring for the first child, 1.8 points are added to the basic coefficient for each year of maternity leave.

Caring for a second child will result in an additional 3.6 points. For the third and fourth child, 5.4 points are added.

Unemployed applicants

It is more difficult for non-working Russian citizens to increase their pensions.

But you can increase your pension benefit by filing a request to recalculate your pension under the program adopted in 2015.

The essence of the program is that points are added for experience, which affect the increase factor.

Working candidates

An increase in the old-age pension in 2020 is possible in several ways. The first is making additional contributions to a non-state pension fund.

To open an account in a savings fund, a person will only need a Russian resident passport and an insurance certificate.

The second option is to take part in a non-state pension project.

Participation implies that the employer pays all necessary social contributions for the employee, and the employee himself contributes money (the amount is optional) to the pension project from his net salary.

Upon reaching retirement age, the bonuses paid are added to the basic pension.

The third option for increasing your pension is to take part in a co-financing project. The essence of the project is that a person deposits a certain amount of money into an account.

Upon reaching retirement age, the funds contributed double. That is, if a person contributed 3,000 Russian rubles, then after retirement, he will receive 6,000 rubles.

The maximum amount of the bonus is 12,000 Russian rubles. However, there is no maximum contribution amount.

But even if a person deposits more than 6,000 Russian rubles, he will still receive a maximum bonus of 12,000 rubles.

An increase in the old-age pension for a working pensioner is possible if he refuses the pension benefit.

Example: men in the Russian Federation retire at 60 years old. At this age, a person can still and has the right to work.

If he wants to continue his working activity, then he has the right to postpone his retirement until the end of his working activity. In this case, upon retirement, the person receives an additional bonus.

Military

The military is a separate caste of pensioners. It is known that military personnel receive pensions through the Ministry of Defense.

Pensions for military personnel differ not only in size from ordinary citizens of the Russian Federation, but also in the method of registration.

Pensioners usually receive pension benefits from the Pension Fund, but military personnel are initially required to visit the military registration and enlistment office, then the commissariat, and only then the Pension Fund.

The amount of a military personnel pension benefit depends on:

• Age of retirement.
• The size of the SDD (retiree’s salary + bonus for length of service).
• Level of social assistance.

Military pension benefits are added when an injury occurs that causes loss of ability to work.

In this case, a social assistance supplement is added in the amount of 150 to 300% of the salary, depending on the severity of the injury.

Additional criteria for increasing pension payments:

1. Availability of dependents for a pensioner (additional payment – ​​100%)
2. Awarding the Leningrad siege medal (additional payment 100 – 200%).

Social supplements to pensions

The social supplement is provided only to those pensioners whose pension is below the subsistence level. The PM in the regions of the Russian Federation is different.

It is also worth noting that only unemployed and low-income pensioners can count on social supplements.

The procedure for paying social supplements is regulated by Art. No. 12.1 Federal Law No. 178.

The additional payment is always accrued from the 1st of the month, regardless of the number of times you apply for it. The amount of the surcharge depends on the amount missing to the PM.

Example: a pensioner living in the Belgorod region receives a pension in the amount of 6,000 rubles, and the monthly minimum wage in this region is 8,016 rubles, which means he is entitled to an additional payment of 2,016 rubles per month.

Increase in capital pensions

The poor have every right to increase pension payments.

Only those pensioners whose pension is less than 11,816 rubles can receive them. The pension supplement is paid from the capital budget.

Along with this, some pensioners can receive a “city social standard” in the amount of 17,500 Russian rubles.

Only native residents of Moscow who have lived in the city for more than 10 years at the time the bonus was assigned can apply for the “city social standard”.

Amount of allowances

Amount of bonuses paid (expressed in rubles):

• Disabled people of groups 1 and 2 raising children under 18 years of age – 12,000.
• Rehabilitated citizens – 2,000.
• Home front workers – 1,500.
• WWII veterans – 2,000.
• Participants in the defense of Moscow - 8,000.
• Heroes of the USSR - 25,000.
• Pensioners with the title “Honorary Citizen of Moscow” - 50,000.
• Pensioners with the title "People's Artist" - 30,000.
• Pensioners with the title “Honored Artist” - 30,000.
• People over 101 years old – 15,000.

Conclusion

There are several ways to increase your old-age pension.

Everyone, without exception, gets old. Everyone wants to see their old age in prosperity. After all, with the rhythm of the 21st century, people often do not have time to devote time to themselves, their interests, or anything other than work. Therefore, many at a young age are wondering how they can ensure a peaceful old age with a well-deserved pension sufficient for a decent standard of living. In this article we will look at several ways to reach the required amount of pension payments.

About pension payments

According to the latest data, the average pension throughout Russia is approximately 11,500 rubles. However, this value changes every year, so you cannot be sure that this is the money that will be paid to you every month. This is influenced by many factors: your work experience, the fixed pension rate for the year you need, and others. In order not to console yourself with hopes, you can go to the Pension Fund website and use a calculator to calculate your pension. It calculates your monthly pension payment based on your work experience (necessarily with “white” employment). Of course, the amount calculated using this program will not suit everyone, because everyone has their own “ideal” pension - an amount that will be enough for a comfortable life.

Important! Therefore, if the result does not coincide with your expectations, there are several ways for you to increase your pension before it arrives.

At the moment, the pension consists of two parts:

1. The first is insurance. It is formed on the basis of insurance premiums paid regularly. Due to the standardized rate, insurance payments do not depend on the amount of earnings and length of service. So in this case, pensioners who worked in a store as a cashier and administrator, for example, will receive the same amount for insurance payments.
2. The second is cumulative. It is formed primarily on the basis of employer contributions, but may also include income received through the sale of securities on the financial market. A person is able to manage his savings as he sees fit. In addition, it is the accumulative part that is “regulated” - its value can be changed in advance.

There is also a state old age pension. It is paid to every citizen who has reached retirement age. However, to obtain it, you must have at least five years of experience - given that the minimum retirement age is 60 years, it will not be difficult to obtain such a relatively short experience.

Important! Such payments directly depend on exchange rates and the country’s budget, so their sizes may often change.

How can I change my base payments?

This part is fixed, but can change in favor of the citizen for a number of reasons:

• the person is an Olympic Champion;
• a citizen of the Russian Federation has the Order “For Service to the Motherland in the Armed Forces” or the Order of Labor Glory (both must have three degrees);
• the pensioner is a hero of Russia's socialist labor;
• the man is a hero of the Soviet Union;
• the citizen was awarded the Order of Glory;
• a pensioner in the past, at a young age, became a prisoner of concentration camps and other organizations created by the Nazis in order to gain victory in the Second World War;
• the person participated in the military operations of the Great Patriotic War, was at the front for at least six months;
• the citizen was in the territory of the country during the hostilities and continued active work for at least six months;
• the pensioner was in the country during hostilities and was awarded for assistance in the rear and defense;
• a person in the past is a resident of besieged Leningrad;
• citizens who have health problems, have disability status, in connection with the military actions of the Great Patriotic War, etc.

Increasing the insurance share

This part of the payments is not regulated in any way, but it can be influenced. It depends on the length of service (necessarily with official employment, “white” salary), as well as on the insurance contributions of employers. The insurance rate changes every year, so it is not recommended to rely on a certain amount. But despite this, at the moment there are several ways to increase this part of the pension before reaching it. The insurance share directly depends on the amount of wages, the regularity of payments from the employer, the length of service and a certain pension coefficient, which is calculated individually for each.

Important! Based on knowledge about the main ways to increase the insurance part of a pension, we can come to three ways to implement them.

The first and, perhaps, the main one. Increasing work experience. Many people continue to work until retirement, and for good reason - pension payments, although not by huge amounts, are increasing. In addition, upon reaching a certain length of service, the interest rate of payments will grow especially quickly every year. After 30 years of service for men and 25 for women, 6% of the standard monthly insurance payment is added to the pension for each subsequent year. However, there are also some nuances here: the length of service will be counted only if the year has been worked in full, and also if the salary was “white” and the employment was official.

At the moment, the state is doing everything to help citizens properly distribute their finances. That is why it was given the opportunity to accept the accrual of interest earned through hard work on the insurance part or on the savings part. This depends on whether the owners have specific plans. For example, investing in a bank at interest. In this case, of course, the most profitable solution would be to transfer funds to a savings account.

How to increase the funded part of your pension?

If none of the methods for increasing your pension listed above suits you, and perhaps the final amount still does not suit you, pay attention to the methods below.

The funded part of the pension is one of the most stable, because it belongs entirely to the pensioner. A person who has reached retirement age, but has payments due to disability from the state, maternity capital payments, has the opportunity to apply for an increase in the funded part of the pension.

Important! Therefore, those who receive any money from the state can receive additional payments to their pension. For example, one of the ways to increase the funded part of a pension is to receive maternity capital.

A woman can use maternity capital as she sees fit. That is why she can direct any part of it to the funded part of pension payments (Article 9 of Federal Law N 256-FZ). But in order to issue it, a number of documents are required, such as a passport, a pension insurance certificate or SNILS, a statement on behalf of the mother, confirming her intention to receive this type of benefit.

You can receive a certificate for maternity (family) capital. You can also order MSC.

Distribution of funded pension payments

Every person seeking to increase pension payments has the goal of receiving the largest amount possible and preferably with minimal time investment. At the moment, there are 2 ways to increase pension payments after receiving them. The essence of both methods is a kind of investment that is carried out by state or private banks. The invested money is accrued along with profitable interest on the initial capital. In this way, the possibility of increasing funded pension payments after receiving them becomes absolutely feasible.

Of course, everyone has the right to decide which bank to give preference to - state or non-state. However, before making a decision, it is worth weighing all the pros and cons so as not to make a mistake in the future. State banks have always evoked more confidence among citizens, which is why they are most popular. In addition, they provide many more assets to make things happen.

Important! However, private traders, looking at this situation, strive to win the love of clients differently - they increase the interest rate, make the terms of the transaction more accessible.

When choosing a private bank, pay close attention to such criteria as:

• number of pensioners involved;
• The bank's operating period must not be less than 5 years;
• availability of income;
• availability of a current license;
• rating among other banks;
• the amount of bank funds owned by the institution;
• tactics of passive pension increase;
• success in implementing your own strategy.

State pension co-financing program

This program is a way to increase retirement savings before retirement. Citizens who have not reached retirement age can take part in this type of investment. In this case, the money they invest will multiply. However, if a pensioner becomes a participant, his funds do not increase in any way.

The essence of the program is an annual “investment” to the state, which, previously doubled, is returned to the sender’s account. Anyone can become a participant, as mentioned above. In addition, there are a couple of ways that allow you to make payments using the method that is most convenient for you.

The first involves regular payments on behalf of the employer, who contributes a certain amount to the Russian Pension Fund every year, thereby guaranteeing you an increased pension when it arrives. These amounts are withheld from your salary, so no time expenditure is required from you.

The second method is independent payments through one of the banks, be it a private or public organization. To do this, you need to contact the bank located near your home. Already upon arrival, you can request the details to which you need to make payments. In addition, you must fill out an application confirming your consent to participate in this type of program.

Important! Before sending funds, carefully check all data to avoid sending it to the wrong place.

You can participate in the state pension co-financing program.

Methods for increasing pension payments

At the moment, there is an opinion among citizens that only the “chosen few” survive to retire. However, this is a misconception, because more than 70% of all citizens of the country still retire. Therefore, in order not to put up with a small pension, it is better to take care of it in advance and try to exaggerate it.

“I’m unlikely to live to see retirement” is a phrase that can often be heard among the population. However, this is absolutely not true, because most citizens live in retirement for decades. This is precisely the reason to try to increase it before you start using it. How to survive as much benefit as possible from all possible methods? It's worth looking into it in more detail.

The amount of wages. At the moment, this item is one of the main methods of increasing pension payments among people who decide to do so. The essence of this method is to receive certain points that are awarded according to the salary you have. The maximum number of points is 10, but you can only get them if your monthly salary is equal to or exceeds 65 thousand. It is not easy to get these points, because the required indicator is twice the average salary in the country. However, you shouldn’t get upset and cross out this method: those whose salary is equal to or exceeds 33 thousand will be awarded 5 points.

Important! If the salary is less than this indicator, it is calculated individually. For example, a person receiving 25 thousand will receive approximately 4 points (65:25=2.7; 2.7x10=4.2).

These points are awarded annually and then multiplied by the “labor coefficient”, the indicator of which changes every year. This method is only good if you have the opportunity to work enough to get at least 10 points - this amount is necessary to participate in this method of state co-financing.

White wages. At the moment, every employed citizen of the Russian Federation pays 30% of his salary to the state, thereby providing himself with free medicine, training for the younger generation and pensions for the elderly. However, many are the owners of “black wages” - earned money that appears completely out of nowhere. People believe that this money is also taken into account when calculating pensions, but they are wrong.

Important! If the size of your white salary is equal to the minimum in the country, then you will receive the minimum payments. This is due to the desire to create equal conditions for everyone. After all, in essence, if you pay the minimum tax, you leave pensioners without bread, which they have been so hard to earn their entire lives.

Seniority. Be that as it may, the time served for the benefit of the country will always be important. At the moment, the minimum period required to receive a labor pension is 15 years. If this period has not been worked out, then the person will have to receive a different pension, almost half the previous one. In addition, for people who have worked for more than 15 years, more and more points are added every year to increase their pension. However, at the moment the government is open to the question of increasing the retirement age, and therefore the length of service may change.

Cumulative part. This method applies only to those who have received a pension since 2015. For them, all pension payments, divided into parts, can be divided into two categories - funded and insurance. And if the second was discussed in the first three methods of increasing pensions, then the first is worth talking about in more detail. In addition, if insurance payments include all payments that later went towards the same pensions for others, then funded ones are absolutely personal for each person who decides to use them. However, at the moment, due to the crisis in the country, this method of increasing pensions has become impossible.

Taking care of yourself as you age. No one but yourself can take proper care of you in your old age. That is why it is necessary to start looking for methods of saving money, which can become a great help in old age.

Important! A small part of your salary, which regularly replenishes a savings account in a bank, after a certain period of time can turn into a round sum, which will come in handy when there is no source of income.

In addition, there are many ways to earn passive income. It can be anything: renting out an apartment, room, plot. The main thing is that this allows you to have income independent from the state, which can be spent on personal needs.

By the way! If you are a pensioner, you can increase your pension by working somewhere while receiving it. In this case, your pension will increase faster than that of other non-working retired citizens. Moreover, you will also have additional income through official employment.

Popular questions

Question No. 1. What formula is used to calculate funded pension payments?

Answer: The formula has remained the same for many years. It is necessary to divide all accumulated funds by the time (in months) spent on their accumulation.

Question No. 2. Is it possible to completely abandon funded pension payments?

Answer: Yes. To do this, you must provide a statement confirming your decision.

Question No. 3. Is there a recalculation of the insurance part of pension payments?

Answer: The insurance portion of pension payments is recalculated annually.

Myths that mislead those seeking to increase their pension

Since most of those interested are people who have only a few years left before receiving their pension, they believe every word, which is why there are many misunderstandings that have to be resolved long and painstakingly. Here are a few of the most common:

There are several ways to increase your pension. It’s better to take care of this, of course, in advance - in this case, there will be much more options for improvement.

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