In Russia, old age pension is paid to men older than 65 years old and women over 60 years old, but some categories of citizens have the right to start receiving payments earlier. As indicated on the Pension Fund's website, such a right is provided to "employees engaged in harmful and dangerous working conditions, pilots of civil aviation, test pilots, people who affected radiation or man-made disasters, public transport drivers, women with five children, disabled Vision, parents and guardians of disabled, as well as other citizens. " However, this is not all that you need to know about pensions - the rest will tell in this material.
How much you need to work out
According to Article 8 of the Federal Law No. 400, the Insurance Pension of Older Assigns if there is at least 15 years of employment in the territory of the Russian Federation, if you retire later than 2024. In case your experience reached a mark in 42 years (men) and 37 years old (women), you can apply for a premature pension. Under work experience is meant that you are working on a permanent or temporary employment contract with the accrual of tax and its payment by the employer, or decorated as an individual entrepreneur and deduct money to the tax account independently. If you expect to receive a pension, think in advance to find work with official employment, and check the accumulation in the personal office of the pension fund, controlling the deductions from the employer. The employer must register in the contract the full amount of your salary, and not its part.
How the pension is calculated
According to article 15 of this law, the amount of pension is determined by the formula: SPT = IPK X SCTK, where the focus is the size of the inland pension in old age; IPC is an individual pension coefficient; SEC - the cost of one pension coefficient as of the day from which an old-age insurance pension is appointed. For 2020, SEC is equal to 93 rubles, but by 2024 it will grow to 116 rubles. IPCs can be found on the official website of the Pension Fund in the Personal Account, or order a certificate in the local branch of the Foundation.
What fund to give money
By default, you enter into an agreement with the State Pension Fund, when it is arranged for the official work and start listed the money. Also, according to the cumulative part of the pension, you can enter into an agreement with a non-state pension fund, in which you will receive a certain increase in retirement in the future. You can send maternity capital to the pension fund, invest money in securities or other assets, accumulate the amount due to monthly investments and so on. Regarding the accumulative part of the pension, you can better consult with a financial expert, which, on the basis of your permanent income, savings, and other things, will say how to do it.
Speaking of pension, it is important to understand which strategy you choose. Some work on the "black" salary, bypassing the law, and get more in the present moment, but later they are satisfied with the minimum pension. Others work according to the official agreement and subsequently receive a large pension.