Pension provision through the eyes of a working middle-aged person

Pension provision of Russia is a guaranteed payment of pensions to citizens of our country. No sphere of state activity causes so many complaints as the pension system. And it seems that the pension is constantly rising, new ingenious formulas for its accrual are coming up, and on a national scale Payments are large sums. But if you take each individual pensioner, you can only wonder how he lives on such money. It seems that pension provision in Russia looks like some kind of mythical monster. He is fed and blessed, he eats beauties regularly, and nobody knows what to do with him.

If we consider pensions from the perspective of a working middle-aged person, at the moment it is a system consisting of a compulsory insurance part, which amounts to 20% of all pension contributions, and the funded part (correspondingly, 6%). In this case, the cumulative percentage is planned to be reduced. I want to ask a question: why is it needed at all, if the result is a very small amount?

It is the insurance part that forms the pension provision of the current pensioners. Working citizens, making contributions, pay old-age pensions. The incoming amounts are fixed on the account. They promise that in the future, from the amount accumulated on it, a person will be credited with his pension. But! Oh, it's "but"! The majority of official salaries in Russia constitute the subsistence minimum, and what kind of pension will be from these cents is not at all clear. In addition, pension reforms in our country happen with an enviable regularity. Even with a good "white" salary, a person can not get a guarantee that his pension will not be minimal.

Now private pension provision. This is quite an animal of an incomprehensible kind. This form of pension savings exists in virtually all developed countries. A person forms a certain part of his pension himself. He chooses a fund, to which part of his pension contributions is deducted. The fund invests money in production or securities, receives profit and shares it with
Depositors. Everything is clear and understandable. But not with us. We go solely our own way. To begin with, the percentage deducted to the fund will be reduced from 6% to 4%. Do not give confidence and scandals - in pension funds, as always, "steal." Citizens It is proposed to participate in the co-financing program. It seems that the conditions are just fabulous, but the people are afraid and do not believe that his money will ever return. We have been taught life by the authorities not to believe ... At this point in this program, it is beneficial to participate in people who have nothing left before retirement. Why? First, there is a guarantee to receive this money. Secondly, to people until 1966 of birth, the funded part will be given entirely by one sum, not exceeding 15 thousand a year. You can dig it up using a pension account as a deposit. If savings allow, it will be possible to receive an additive to a pension for several years. But the rest will just have to believe that everything will be fine.

The pension guarantee is designed to guarantee citizens a full life after the onset of old age, and in our country so far only promise that pensioners, perhaps, will not die of hunger.