Despite the fact that you are young and full of energy, you are now wondering how you will live in old age. This is the right approach. After all, your life depends on the size of your future pension.
Instruction manual
1
If you want to know about your future pension, first of all, contact the Pension Fund of Russia. Specialists will answer you any question regarding retirement benefits.
2
Pay attention to the fact that you do not have to stand in line at the regional Pension Fund. Visitors to the PF website can also receive answers to questions about their future retirement.
3
If you were born in 1967 or later, calculate the amount of your future pension yourself. Your old-age pension will consist of three parts: basic, insurance and funded. The size of the base part is determined by the state. Calculate the insurance part of the pension. Pension capital accumulated in your personal account on the day you receive your pension, divide by the age of survival (in months). Please note that the age of survival at the moment is determined to be 19 years. Determine the funded part of your future pension. Pension savings divided by the age of survival. Pay attention to the difference between the insurance and funded part of the pension. Unlike the insurance part, you yourself give the funded part of the pension to some management company or non-state pension fund that invest pension savings in the stock market.
4
When determining the size of your future pension, pay attention to the fact that the longer you work after reaching retirement age (55 years for women and 60 years for men), the higher your future pension will be. So, starting from 2036, the basic part of the old-age pension will increase by 6% for each year of service exceeding 25 years for women and, accordingly, 30 years for men.
