Today the government announced its decision on an issue which, without exaggeration, literally everyone concerned – on pensions. Moratorium, entered on the funded part – he acted in 2014, is canceled. Funded part remains an indispensable element for the calculation. Now, again to no dispute between the ministers of social and economic units, to do the work of the funds, which receives cumulative deductions transparent. And to make it so that the money actually worked.
Today, the government announced its decision on an issue which, without exaggeration, literally every care – on pensions. Moratorium, entered on the funded part – he acted in 2014, is canceled. Funded part remains an indispensable element for the calculation. Now, again to no dispute between the ministers of social and economic units, to do the work of the funds, which receives cumulative deductions transparent. And to make it so that the money actually worked.
This is not the case when two opinions can not be. The question of funded pension literally divided government. For every “yes” from the economic bloc – its “against” from the block of the social. This is a chance to earn their old age, and long-term money to the economy, sounded from the Ministry of Finance. But the increase in their pension while questionable, it is better to fill the budget of the Pension Fund, the Ministry of Labour responded.
In the search for a compromise have even once a month, but only one, and agreed: to postpone the decision nowhere. On the eve of the parties reiterated their positions, and today put an end to the debate Prime.
“The decision was made, the storage element will remain. This decision is supported by most experts, and, most importantly, the citizens of our country. I instruct the Ministry of Finance and Ministry of Economic Development to submit proposals for balancing the budget in view of the decision. And also to prepare proposals for a more efficient use of financial resources from the funded part of the pension as a source of economic growth in our country – a source of long-term lending, meaning its use is not only, and not so much for the repayment of the budget deficit, but also to support investments in the development of the economy, especially in markets closed to us foreign financial liquidity, “- said the Prime Minister Dmitry Medvedev.
The last two years has been imposed on the accumulation moratorium. There are several reasons, but the main thing was to check the non-state pension funds, working with private money, on reliability. 24 companies, where 80% savings have already entered into the insurance system of pension funds. Like a bank, it is – a guarantee to customers that the money for old age will not be lost.
In turn, the Ministry of Finance believe that this money can significantly multiply – by investing in highly profitable Russian projects.
“It will allow citizens and participating in private pension funds, to obtain higher yields of inflation, to preserve their savings, increase them, in fact, investing in a good investment in an investment asset – said Finance Minister Anton Siluanov. – I believe that it would create additional stability for the pension system in an environment where the demographic situation in our country will deteriorate even more “.
Starting next year, the pension system is returned to normal two-tier: insurance and accumulative. Employers’ contributions, it would wish workers will again in two directions. From the general 22% of salary 16 – solidarity of the pension. It is also called the common pot, because they use for current payments to pensioners. 6% – in part funded. We can say in a personal account, which can be use in retirement. Money from it will be divided into 228 months, so do not care who will help save money. This may be a State or the managing pension fund. More than half of working Russians from those under 1967 (model only for them), the choice is already made. The rest – until the end of December.
“Against the background of the mass, in a good way, stripping the country’s financial system, which carries out the central bank, I think now it is better not to target any vysoriskovye assets, and work with large management companies, large pension fund “, – said the director of the Institute for Social Policy and socio-economic programs HSE Sergei Smirnov.
To keep silent all 22% deductions from wages will go automatically to the insurance part, that is funded replenished will not. That perhaps someone is favorable. Insurance pension increases regularly from the budget to the inflation rate. While the growth of personal savings depends on the practicality of the control and market conditions. And for those who have already chosen the storage element, there is still time to change your mind count. Again – the end of December.
“A citizen now has a choice: he can stay in the distribution system and rely on the state or risk – to make a choice and be funded. But it is a risk. The real mass scale payments will begin in 10-15 years. And then in fact there may come a moment of truth, “- says the deputy director of the Institute for Social Analysis and Forecasting RANXiGS Yuri Gorlin.
However, something about their future pension can be found today. Calculator on the site of the Pension Fund will issue estimated formed under the terms of the current year, taking into account, among other things, funded pension.
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