What is the pension

That is, age approaches 60, pension on the nose. Not everyone is ready to leave his favorite job and therefore remains to work in his company. Some, on the contrary, consider the days to a deserved holiday, then with a quieper conscience replenish the ranks of pensioners. Here they have a question: "What is the pension?".

Until 2010, pension accruals were formed from 3 parts: cumulative, basic, insurance. Now there are two components - insurance, accumulative. By the way, the insurance includes fixed base pension rateequal to 3 910 rubles. Such a sum of the state promises to pay to any person who has reached the age of care to a well-deserved rest, and has five years of experience. Moreover, every year the magnitude of the minimum labor production will raise.

It will be fundamental from next year insurance component of pensions. Its composition in addition to a fixed amount also includes monthly payments (20% of S / P), produced by the head of the company, where the future pensioner works. The more such payments, the higher the pension provision.

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Insurance pension.

For persons born in 1967 and later, the accumulative emereturation was laid. Currently, the employer is paying 6% of the salary of employees to the accumulative account.

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Rights of persons for fundamental pension.

In the future, accumulated money from this account is allowed to receive parts. The period for which the issuance of funds is stretched, you choose, the main thing is that it is no less than 10 years.

There is still a standard method of gaining cumulative pension - This is issued a lifelong payment. Your savings will pay for 19 years, monthly.

If you need a good pension, then make it easy to work, do not get the illegal salary "in envelopes". Think about the future, because I do not want to count the days until the next state compensation, saving even on nutrition.