Advice 1: How to make pension contributions yourself

Since 2008, every Russian can refill your personal account in the Pension Fund of the Russian Federation. For this it is necessary to join the program state co-financing of future pension and make regular payments through the savings Bank or current account. This possibility is particularly relevant for those who do not have official income or receives part of the salary in the envelope (such blatant violations by employers of law in Russia, unfortunately, in abundance). Open the program for the one hundred percent "white" income, that would be the desire and financial ability.
How to make pension contributions yourself
You will need
  • - passport;
  • - certificate of state pension insurance;
  • - fountain pen;
  • - details of the territorial branch of the Pension Fund of the Russian Federation;
  • - money.
First you need to join the program of co-financing. This can be done in two ways. If you are employed, one option is to contact your employer. His HR or accounting will give you a sample that you want to write a statement. If you are the first who asked this question, we need a paper they can easily taken in the Department of the Pension Fund where your employer is registered as the policyholder. After that, the company will automatically deduct from your pay-agreed amount of additional contributions and transfer it to your account to the pension Fund in addition to contributionsthat does for you under the law.
Another option, available to all, including employees, is to apply directly to the territorial office of the Pension Fund of the Russian Federation at the place of residence. Yourself will need to have a passport and certificate of state pension insurance. The staff of the FIU will give you an application form that must be filled.
If you have never worked for hire, and the evidence you have, you should start will be with its design. It will have to apply to the Department of the FIU at the place of residence or stay. And if you have no registration to the nearest branch according to the actual location.
The Pension Fund will also give you details (and most of all - ready receipt, where you need to insert the payment amount as well as your name, address, and sign) by which you can Fund your retirement account. You can find them also on its website of the regional branch of the Pension Fund.
No restrictions on the amount and timing of payments is not: at any time during the calendar year and as deemed necessary. When you Deposit during the year the sum from 2 thousand to 12 thousand roubles (1 thousand roubles a month) the state will credit your account with exactly the same amount on which you joined for the year.
You can make more than 12 thousand roubles a year. The money is with your account not supposed to go, but its completion from the state will not exceed 12 thousand roubles a year.
Useful advice
Employees Pension Fund recommends that members of the co-financing program in January to visit its office FIU with all receipts on self-replenishment of the retirement account to avoid possible confusion.

Advice 2 : How to calculate pension contributions

Pension contributions – these are contributions that are transferred to the account of the insured person from his employer and on his own initiative. The amount of pension contributions will ultimately affect the total number of pensions that will be paid to the insured person - pensioner of the Federal budget. But how to calculate the amount of pension contributions?
How to calculate pension contributions
You will need
  • calculator and knowing how much the salary of a specific employee
Determine the salary of a particular employee and associate it with the table of rates of premium for compulsory pension insurance. This table can be found in the law "On mandatory pension insurance in Russia". Rate of pension payments will depend on the age of the individual, type of organization in which he works, from his annual salary and pension contributions (insurance and funded part).
Count the insurance and funded part of pension contributions. For example, employee "X" Ivanov A.V. 1969 gets paid with a salary of 9,000 rubles. Then his annual salary is:
000 9 * 12 = 108 000.
According to the table of rates of contributions the employer must contribute to the financing of the insurance part of labor pension, unified social tax of 8%.
108 000 * 8% = 8 640 rubles a year, or 720 rubles per month.
According to the table of rates of contributions the employer pays for financing the funded part of pension Ivanova A. V., contributions of 6%.
108 000 * 6% = 6 480 rubles per year, or 570 rubles per month.
Thus, from the employer as a percentage of salary to the pension Fund received contributions for Ivanov A. V. in the amount
720 + 570 = 1 290 rubles.
Calculate the pension contributionsthat you make for special programs investment PFR in NPF or a management company. These payments are made in lump sum or in the form of voluntary investment. A vivid example of such a program "1000 on 1000" when a private person donates to the FIU 1 000 rubles per month, and by the end of the year the government will double the amount of deductions.
Fold the amount of mandatory and voluntary pension contributions. The final sum will be the annual rate of pension contributions of each specific individual.
The employee has the right independently to choose the pension Fund – whether it is a state institution, pension Fund or a management company, and to deduct there mandatory and voluntary pension contributions.
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