The pension co-financing program seems to be a pretty good offer, and the number of people who agree to participate in it is constantly growing. What is she like? What are the benefits? Is it profitable to participate in it?
general information
The legislative
program of state co-financing of pensions was launched back in 2009. True, not everything was smooth. Due to a significant link to the insurance
part of the funded pension, it was suspended. That is, those who managed to use it. And then access was closed. But if there is a desire to participate in it, then 2017 is well suited for this thanks to its renewal. Now we have a better option than the one that was before. Here we will consider it. So, what is a pension co-financing program? Is it profitable to participate in it? Quite - the pension co-financing program assumes that for each ruble contributed by a person, the state will add one from itself. This is very good from the point of ensuring the retirement period, since its quality will depend on the finances that have been transferred to the person’s personal account. As a result, with significant infusions, you can get very good help. And if, over time, inflation normalizes and drops to 1-2%, then this will allow us to live even better!
Participation
Any citizen of the Russian Federation can join the pension co-financing program. But before that, you should study all the conditions for its provision. To participate, you must first prepare an application and hand it over to the pension fund specialists according to your place of residence. You need to add a photocopy of your passport to it and present it to the responsible employee during registration. It is also necessary to take care of the availability of a pension insurance certificate. Why is it here? As previously mentioned, the state pension co-financing program is closely related to the insurance part of old-age security. These documents can be submitted either in person, or through your employer, or through an organization that is certified by a pension fund to carry out such actions.
Special moments
As previously written, the pension co-financing program provides for a 1: 1 ratio. In other words, the more a person invests, the better he will be. There are certain exceptions. So, people who have already reached retirement age, but do not receive labor payments, will receive a four-fold increase when depositing funds into their account. Let's look at this with a small example. In the usual case, if a person contributes ten thousand rubles, then the state will add as much from himself. But if he is a pensioner that does not receive labor payments, then he will receive not 20,000, but 50,000, because 40,000 will be added from the budget. Anyone can make deposits to the account in any way. The only thing that needs to be done before this is to turn to responsible specialists to get the details, which you will need to send money to. Some skeptics believe that the program of co-financing of pensions for pensioners and citizens who have not yet gone on vacation was created to increase the reserves of the Pension Fund. But whatever it was, if it is not reset, then it is certainly created for the benefit of people.
Limitations
The pension co-financing program has been extended, but there are certain limitations. So, it was established that working pensioners in 2017 will not be able to take part in it. The government believes that their retirement account will continue to increase due to an increase in insurance premiums from employers. And they do not need additional income. And how all the same it turns out interestingly! It is best to deposit money on pensions, but working on it is not possible! It should also be noted the presence of a large number of nuances, which it would be desirable to ask representatives of the local branch of the PF. A significant limitation is the amount of replenishment. So, a citizen who uses this opportunity can make a monthly amount in the range of two to twelve thousand rubles.
Why was this introduced?
Why was it decided that a program of co-financing of pensions for pensioners and citizens who did not go on vacation would live? Previously, the main stake was placed on the insurance part. But over time, it became clear that such a strategy would not allow to maintain a high standard of living. Some problems arose in 2014 when the insurance parts of pensions were frozen. Therefore, it was decided that the problem, despite its presence and large scale, still needs to be addressed. And this approach allows for all categories of citizens to increase the size of their content in the future. There is a category of people for whom it will be generally very nice. So, people who were born before 1967 and did not take part in the formation of the funded part will have the opportunity to influence the size of the amounts received. This will facilitate their retirement. Younger citizens will share the means between co-financing and accumulation.
Conclusion
Employers can also take part in this initiative, transferring the corresponding amount to the person’s account. Thanks to this, the amount of UST can be reduced. Despite the advantages of this toolkit and the loyal attitude of economic entities that use this approach, employers are in no hurry to take care of the welfare of their employees. So, as an example, consider another eight days as last year. Then citizens sent 7.1 billion rubles, while organizations received less than 130 million. At the moment, according to government officials, more than 8 million people have benefited from this software. During the period of its operation, they transferred forty-five and a half billion rubles to their accounts. True, talking about a confident and cloudless future is still not necessary. As you know, since 2014, the Russian Federation has been experiencing significant economic problems. Therefore, a lot of efforts of officials are aimed at reducing the amount of finances that go to the pension system and involving citizens in the process of forming their own savings.