Since the beginning of 2001, the pension system has undergone major changes. If Soviet citizens all received the same state payments, then at present only the basic part remains unchanged for all. The size of the pension depends on the size of the funded and insurance parts, which can be increased.
Instructions
Step 1
The size of both the insurance and funded parts of the pension directly depends on the level of wages. Get a job where the employer pays the so-called "white" salary and there is no money in the envelope. Percentages of contributions to the Pension Fund of the Russian Federation go from the salary. The amount of deductions for the insurance part depends on your age: the older, the greater the percentage. Ask your boss to raise your salary, and then there is a chance to increase the amount of deductions.
Step 2
Entrust the funded part of your future pension to a private management company or a non-state pension fund. These companies are engaged in investment, that is, they invest your funded part of the pension in various areas of business to make a profit, and, accordingly, provide you with an increase in the base part of your pension.
Step 3
In advance, inquire about the management company or non-state pension fund where you are going to place your funds. Information about management companies is presented on the websites of the Russian Pension Fund. The activities of the management companies are controlled by the Pension Fund, so you risk nothing by entrusting them with your funded part (in the event of the bankruptcy of the management company, the funds are returned to the Pension Fund).
Step 4
Participate in the funded part co-financing program. The State Pension Fund proposes to double (no more than 12 thousand per year) your voluntary contributions, in addition to what the employer pays for you.
Step 5
Form your own funded part. It will not depend on age, or on the size of wages, or on the base part of the state pension, but only on how much you yourself are willing to invest in addition. You can start receiving a non-state pension from any moment. Please note that this is the part you will live on after retirement.
