How to earn a pension?

Sooner or later, but it happens to women who are over 55 years and men 60 years of age. For some, retirement is a tragedy, for others - beginning of a new happy life, when you can not refuse the happy moments of sleep, travel and communication with loved ones. The fact that to age is to think in advance. Sooner or later, but it happens to women who are over 55 years and men 60 years of age. For some, retirement is a tragedy, for others - beginning of a new happy life, when you can not refuse the happy moments of sleep, travel and communication with loved ones. The fact that to age is to think in advance. The state now provides an opportunity to influence their future retirement. This will help you bank.ru. What is in a pension? Recall pension consists of three parts: a base (guaranteed minimum), insurance (reflected in the personal account, depending on salary level) and funded (invested at the expense of savings). What can I do with it? The most interesting part of the contributory pension (6% of payroll), as a citizen (born in 1966 or older) can choose the organization that manages the pension capital. In Russia there are a large number of private pension funds, which can invest their future retirement. The average yield of such organizations is 12% per annum. Where will the investment? Cash, by law, be invested in: Government securities of the Russian Federation and the subjects, bonds and shares of Russian companies, stock index funds, mortgage-backed securities in domestic and foreign currencies. How to make money? To put the funded part of pension to the selected organization to enter into the contract and apply to the Pension Fund of Russia, until 31 December this year. Execution of all documents not more than twenty minutes (for this you need a passport and evidence of the state pension insurance). The safety of savings guaranteed by the state. Every year, you'll receive a notification on the status of your account. With double the investment of the year 2008 the state offers to citizens to participate in a program co-financed pension (it needs to become a member before Oct. 1, 2013). The bottom line is this: with self-introduction from 2000 to 12,000 rubles annually for 10 years - the state will transfer to your account equivalent amount (ie a total of 120,000 rubles). But this can not stop adding to the balance of large sums. If you do nothing the Government has established the voluntary choice of ways of investing funded portion of pension. If a citizen decides how to dispose of it, then by default it remains in the management of the Pension Fund of Russia, which transmits the accumulation of Vnesheconombank. Profitability of the company for the year 2009 amounted to 3.21%. Make a conclusion ...