How many millions have to postpone retirement?

On pensions, Russians usually think seriously when they are already over 40. Financial advisors tell us the simple rules to follow, putting money into old age. Of course, the earlier we start accumulating, the better. But young people worried about the retirement issue rarely shows CEO salon financial solutions "to 13" Faith grandfathers. In her company's 80% of customers up to 35 years, but the agenda for them buying a home, car, child rearing, but not pension. But among the clients of financial advisers are over 35 years, according to Dedova, about half seek advice on the organization of pension savings. Rely on state support is now impossible, warns Director of BDO TSMEI Helen Matrosov. According to the experts of "personal capital", the average size gosposobiya old age is now only a quarter of the country's average wage. How much weight will increase in those who form part of the funded pension, pension reform, it is not clear. In any case, the state pension is unlikely to cover all the needs of the pensioner. It is believed that the cost of retired people make up about 70% of their expenses during the work, reminiscent of an international financial consultant Isaac Becker. In the absence of state protection of savings for a rainy day has become our national specificity, continues Matrosov. To retire with peace of mind, you need to accumulate at least several million rubles, according to CEO "personal capital" Vladimir Savenok. It all depends on personal plans and needs. Therefore, experts advise to begin to estimate how much you want to receive monthly upon retirement. And if you do not have enough skills, financial settlements, with the help we can estimate the amount of monthly payments into a personal "pension fund", which would achieve the goal. According to specialists' personal assets, to 30 years to receive a pension of $ 1000 per month, will have over 25 years of monthly investments of $ 887, or $ 1172 for 15 years (the investment yield 10%). The more you can delay the better, but in any case, the consultants recommend at least 10% of revenue. For details, see the article "Add to retirement" (Vedomosti).