Mandatory pension insurance
Called compulsory pension insurance in force by operation of law, covering all categories of the population.
C Adoption of the Federal Law "On Mandatory Pension Insurance" in 2002 in Russia, the pension reform [1]. In accordance with this Act, all citizens of the Russian Federation are insured persons. Pension Fund of the Russian Federation provides every citizen with an individual's personal account on a monthly basis the premiums are credited to the employee for the employer lists in the calculation of his wages. These contributions form the future retirement pension. [2]
Continuing on the personal account of the premiums are invested in financial markets, creating an additional accumulation of
Office funded part of pensions by the State Management Company (STMC "Vnesheconombank"). Means there are paid directly from the Pension Fund of Russia's default, that is, if the citizen does not specify a version of the investment. Citizens who have not brought guidance to the Pension Fund to another method of investing their pensions funded part, received the code name "Silent."
Citizens have the right to dispose of in a different part of their pensions funded by transferring the right to manage the accumulated funds of non-state management company or private pension funds.
Upon reaching retirement age, the accumulated contributions, taking into account the investment income is the source from which will be paid a lifetime pension.[Edit] Voluntary pension insurance
Voluntary pension insurance - a system of savings through a variety of financial organizations of the future pension, based on the same principles as the mandatory pension insurance. The difference is, firstly, that the voluntary pension insurance is additional to the obligatory. Secondly, the contributions do not determine the state, and the insured, ie, citizen [3].
Insurers on a voluntary pension insurance are:
Private pension funds
Insurance companies
Insurers offer a variety of supplementary pension insurance program, and the client's right - choose the one he considers most advantageous.
Contributions to the program of voluntary pension insurance may be one-time or cumulative. Depending on the program of voluntary pension insurance contributions can be paid annually, quarterly or monthly.
Upon reaching retirement age pensioner payment of money can be made once a quarter, half, month, etc. - within a specified period or for life.
The activities of insurers by serious control of the state. Control shall be the amount of insurance reserves and their location, which provides reliable insurance companies.
Voluntary pension insurance program is successfully implemented in various countries around the world, allowing citizens to ensure their livelihoods in old age, the amount of which does not depend on the capabilities of the state system of social security, but exclusively on the willingness and capacity of the insured.[Edit] Notes
↑ The Federal Law "On Mandatory Pension Insurance"
↑ The structure of the pension system
↑ Superannuation
[Edit] See also
Compulsory social insurance in Russia
Pension System (Sweden)
Pension System (UK)
Pension reform (Russia, 2002)
[Edit] See also
The development of the pension system. The site of the Pension Fund of the Russian Federation
Pension reform Russia
Called compulsory pension insurance in force by operation of law, covering all categories of the population.
C Adoption of the Federal Law "On Mandatory Pension Insurance" in 2002 in Russia, the pension reform [1]. In accordance with this Act, all citizens of the Russian Federation are insured persons. Pension Fund of the Russian Federation provides every citizen with an individual's personal account on a monthly basis the premiums are credited to the employee for the employer lists in the calculation of his wages. These contributions form the future retirement pension. [2]
Continuing on the personal account of the premiums are invested in financial markets, creating an additional accumulation of
Office funded part of pensions by the State Management Company (STMC "Vnesheconombank"). Means there are paid directly from the Pension Fund of Russia's default, that is, if the citizen does not specify a version of the investment. Citizens who have not brought guidance to the Pension Fund to another method of investing their pensions funded part, received the code name "Silent."
Citizens have the right to dispose of in a different part of their pensions funded by transferring the right to manage the accumulated funds of non-state management company or private pension funds.
Upon reaching retirement age, the accumulated contributions, taking into account the investment income is the source from which will be paid a lifetime pension.[Edit] Voluntary pension insurance
Voluntary pension insurance - a system of savings through a variety of financial organizations of the future pension, based on the same principles as the mandatory pension insurance. The difference is, firstly, that the voluntary pension insurance is additional to the obligatory. Secondly, the contributions do not determine the state, and the insured, ie, citizen [3].
Insurers on a voluntary pension insurance are:
Private pension funds
Insurance companies
Insurers offer a variety of supplementary pension insurance program, and the client's right - choose the one he considers most advantageous.
Contributions to the program of voluntary pension insurance may be one-time or cumulative. Depending on the program of voluntary pension insurance contributions can be paid annually, quarterly or monthly.
Upon reaching retirement age pensioner payment of money can be made once a quarter, half, month, etc. - within a specified period or for life.
The activities of insurers by serious control of the state. Control shall be the amount of insurance reserves and their location, which provides reliable insurance companies.
Voluntary pension insurance program is successfully implemented in various countries around the world, allowing citizens to ensure their livelihoods in old age, the amount of which does not depend on the capabilities of the state system of social security, but exclusively on the willingness and capacity of the insured.[Edit] Notes
↑ The Federal Law "On Mandatory Pension Insurance"
↑ The structure of the pension system
↑ Superannuation
[Edit] See also
Compulsory social insurance in Russia
Pension System (Sweden)
Pension System (UK)
Pension reform (Russia, 2002)
[Edit] See also
The development of the pension system. The site of the Pension Fund of the Russian Federation
Pension reform Russia
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