Post by habibi on Sept 16, 2023 7:13:15 GMT
Both of them consist of money paid to the Pension Fund by the company where the future pensioner works. And, if an insurance pension is formed for all employees without exception, then the Phone Number List possibility of forming a funded pension is determined by the citizen independently. If the decision is positive, the employer’s accounting department will transfer a sum of money in the amount of 6% of his salary to the employee’s future funded pension, otherwise these funds will go to the insurance part of the pension.
Important! Every citizen of the Russian Federation who is officially employed is required to form his own pension. Currently, for each person, the total amount of pension contributions is divided into two equal parts, and is replenished by the employer through the payment of taxes and contributions. These contributions to the pension fund must be made by each enterprise. Read more: How much does an employer pay in taxes for an employee?
In this regard, the question arises: why does a person need this type of pension insurance?
The answer is simple: this is the only part of the state pension, the management of which is placed in the hands of the future pensioner.
Regarding the unded pension, a person can choose:
what volume of contributions to the Pension Fund will be sent by the employer to replenish the funded pension;
whether to form it from additional sources;
who will be the heir in the event of his death;
who will pay the money upon reaching retirement age ;
how savings will be invested throughout the period of their formation.
The last option, namely where to invest the funded part of the pension, will be discussed in this article.
Important! Every citizen of the Russian Federation who is officially employed is required to form his own pension. Currently, for each person, the total amount of pension contributions is divided into two equal parts, and is replenished by the employer through the payment of taxes and contributions. These contributions to the pension fund must be made by each enterprise. Read more: How much does an employer pay in taxes for an employee?
In this regard, the question arises: why does a person need this type of pension insurance?
The answer is simple: this is the only part of the state pension, the management of which is placed in the hands of the future pensioner.
Regarding the unded pension, a person can choose:
what volume of contributions to the Pension Fund will be sent by the employer to replenish the funded pension;
whether to form it from additional sources;
who will be the heir in the event of his death;
who will pay the money upon reaching retirement age ;
how savings will be invested throughout the period of their formation.
The last option, namely where to invest the funded part of the pension, will be discussed in this article.
