Rus Articles Journal

How to provide itself with big pension.

How to provide itself with big pension.

In life of each person there comes time when, having been tired of infinite race on life and the exhausting work, he begins to think of an opportunity to have a rest, do favorite thing, to see the world. People call this time gold age and in your forces to make it such. " program; My pension will allow you to keep a habitual income level after end of work. It is for this purpose even not obligatory to wait for retirement - to save up the necessary sum enough to age when you decide to live, at last, for yourself.

Each of us begins to think of pension when we are already close to that age when to us already for 50, and it is absolutely wrong, at this age already rather late to form the pension reserve. Actually it is already possible to forget about good pension, but there is still an opportunity to get a powerful rise to the state pension. It is necessary to think of the pension from 20 years and to begin to postpone, than the accumulated period is more, that more future pensioner will have a pension. In our life there will always be urgent plans and purchases, but at the same time we forget about the future and about the future of the children and family.

Now any person can choose the size of the future pension of $100, $500, $1000, $10000 and more. Also he can choose when he wants to retire, from 45 years or later.

If the person chose retirement age in 60 years and chose the guaranteed period of payment of pension of 15 years, then in case of death of this person in 61 g which remained 14 years pension is paid to his relatives. Upon termination of payments the contract is withdrawn. If for these 15 years nothing happens to it, then he continues to receive lifelong pension. While the person lives, the monthly pension is paid to him. The contract is withdrawn when the person dies.

The EXAMPLE No. 1

the Man of 20 years, wants to receive lifelong, monthly pension of $500 from 60 years, also he chose:

the Guaranteed period - 15 years

Currency of the contract - rubles, dollar, euro

the Contributory scheme - annually

the Insurance premium of $-1092 (these are $91 a month).

the Guaranteed monthly pension payment - $500 (the company gives to 100% a guarantee that less this sum will not be paid).

the Predicted profitability - 6% (profitability of the company for 2008. - 6,1%)

the Predicted monthly pension payment - of $918 (the company shares the profit, the additional %, but which cannot be less than 3,5% is charged every year)



the EXAMPLE No. 2


the Man of 50 years, wants to receive lifelong, monthly pension of $500 from 60 years, also he chose:

the Guaranteed period - 15 years

Currency of the contract - rubles, dollar, euro

the Contributory scheme - annually

the Insurance premium - $7 892 (it is $657 a month).

the Guaranteed monthly pension payment - $500 (the company gives to 100% a guarantee that less this sum will not be paid).

the Predicted profitability - 6% (profitability of the company for 2008. - 6,1%)

the Predicted monthly pension payment - of $572 (the company shares the profit, the additional %, but which cannot be less than 3,5%)

is charged every year As we see from an example that it is not so favorable to this man to postpone for pension as to the young 20th summer man. And the pension is necessary to it who knows how there will be its destiny, can it will live as early as long and fine 30 years on pension, independent there is nobody.

The EXAMPLE No. 3



the Man of 20 years, wants to receive lifelong, monthly pension of $500 from 60 years, also he chose:

the Guaranteed period - 15 years

Currency of the contract - rubles, dollar, euro

the Contributory scheme - at a time

the Insurance premium - $28 614

the Guaranteed monthly pension payment - $500 (the company gives to 100% a guarantee that less this sum will not be paid).

the Predicted profitability - 6% (profitability of the company for 2008 - 6,1%)

the Predicted monthly pension payment - of $1299 (the company shares the profit, the additional %, but which cannot be less than 3,5% is charged every year)

Having chosen saving of means in insurance company, you can be sure that the sum which you receive is more contributed. Insurance company the most reliable way of saving of means on a long interval of time, as:

Activity is under more strict control of the state, than banks or other financial institutions. The company declares

the obligations for the entire period at once and cannot change them. The bank has the right to change profitability and conditions of a contribution.

Life is not infinite. It is necessary to manage to live not only for the benefit of native labor collective, but also for itself and relatives. The pension insurance plan will allow you to realize what you so long dreamed of, but all the time postponed.

While you are strong and full of health, think in advance of yourself and the relatives.