What we are waiting for a pension from the state?

Experts have calculated that for a comfortable retirement, we must have at least 80% of their earnings. However, possible? Try to understand. Each of the currently operating, knows that in retirement he guaranteed certain monthly payments. That is the purpose of this guarantee from our monthly wages by the employer made contributions to the Pension Fund of Russia, consisting of two parts: the storage and insurance. These payments and provide us with the future retirement content. Since 2011 the tax burden on employers in terms of social security contributions increase significantly: from 26 to 34%. In particular, contributions to pension insurance will change as follows: to finance the funded part of pension contributions will remain the same - 6%, to finance the insurance part of labor pension contributions will increase by 6% (for persons born 1966 and older - from 20% to 26% ; to those of 1967 and younger - from 14% to 20%). In this connection there is the legitimate question: Does a will increase our future retirement? In Russia there are two types of pensions - labor and government. The size of the retirement pension at all different because it depends on the level of earnings. The state also is a fixed amount at a certain moment. Retirement pension is formed by our employer paying premiums into the system of compulsory pension insurance and is of three kinds. 1. Upon reaching the retirement age (currently 55 years old and women 60 - men). Old-age pension is awarded if a person has at least five years of insurance, during which his salary to pay insurance premiums to the Pension Fund. Insurance experience may also include non-insurance and periods (military service, leave to care for a child to care for disabled or elderly, etc.). Labor retirement pension shall be appointed indefinitely. 2. Upon receipt of disability. This type of pension shall be appointed in the presence of limiting the ability to work I, II, III degree and does not depend on the duration of insurance. 3. If you have lost a breadwinner in the family. Assigned to disabled family members, which consisted of a dependent of the deceased breadwinner, regardless of the duration of the service last. Inability to work, usually are minor members of the family of the deceased breadwinner, and those who care for juveniles for a period of death of the deceased breadwinner, the family members with disabilities, as well as reaching retirement age. The state pension is paid through the federal budget and is also a few species. Some categories of citizens entitled to the simultaneous receipt of employment and state pensions. Retirement today's pensioners is made up of taxes and contributions to the working generation, and those citizens who are older, born in 1967, completely distributive pension. Accordingly, the insurance part of the pension depends on the number of employed people and pensioners, as well as the amount of insurance contributions of employers coming to the formation of the pension fund. Funded pension system is based on the fact that part of the national pension will be paid based on the size of the contributions he made while working. All funds paid by the employer on the formation of pension savings that are received on a personal account of every citizen in the Russian Pension Fund. Sticky: the funded part of pensions every person can do and in others, private pension funds, at its discretion. However, the storage system does not depend entirely on the wage of a citizen, as insurance premiums, including the pension fund shall be paid only until the moment when the total size of the earnings of the employee during the reporting period does not reach 463 thousand rubles. Accordingly, the maximum amount of deductions to the Pension Fund is 120 380 rubles a year. For persons in 1967 and under funded in part, if it be 27 780 rubles per year. The money invested by pension funds in favor of taxpayers, however, guarantee that ceasing active career you'll get decent pay, not available. Since the mechanism for calculating your future retirement is not transparent, and to know in advance what pension awaits us in the future, there is no way you can build on those dimensions of pension schemes, which are taking place at present. For example, in 2011, plans to increase the average retirement age pension to 8,780 rubles a month, and social - to 5,050 rubles. Sizes as the average pension for the whole of Russia was less than 10 thousand rubles in 2010. Looking at these figures, probably every one of you have experienced certain feelings. Standard of living of our seniors is not something that can not be called high, hard to do, both on a pension can exist. It turns out that, even after working all my life and paying all taxes, we can not expect that the state will provide us with a pension of at least 80% of our earnings. That is, even if your current salary to 30,000 rubles (and taxes to the Pension Fund with her about 10 rubles), no one will guarantee proportionate pension. Hence, it must be concluded, though rather banal: take care of their future need to own. Only by making payments into a personal "pension fund", we can achieve a decent financial situation of disabled age, but think about it and act is as soon as possible. Kochetkov, SV