September 5, 2013 at 18:58Born 1967 and younger
After reading this and this topic on a sad pension topic, I decided to share the internal developments of our personnel service for our employees. Then a lot of unfunny text without pictures.
Citizens born in 1967 and younger registered in the mandatory pension insurance system were given the opportunity to choose the insurance premium rate for the funded part of their retirement pension in 2013: either leave 6% as it is today, or lower it to 2%, thereby increasing the rate for formation insurance part of the pension from 10% to 14%.
If a citizen in the past did NOT execute ANY documents and did NOT write ANY statements regarding the placement of the funded part of his pension, then he needs to decide what his insurance premium rate for the funded part of the pension will be. Now it is 6%, from 01.01.2014 by default it will be 2%. The deductions for the funded part of the pension will decrease from 6% to 2% due to the redistribution of the delta in the amount of 4% in favor of deductions for the insurance part of the pension.
Below is detailed information on the structure of pension contributions, the funded part of the pension and how to maintain the current 6% of the funded part of the pension.
Contributions allocated to finance the insurance part of the labor pension for any category of insured are accumulated in the Pension Fund of Russia (hereinafter referred to as the FIU).
The deductions allocated for financing the funded part of the retirement pension are currently accumulated according to one of the following options:
The funded part is an individual part of the premium rate. It can be inherited. The amount of the funded part of the pension is determined by the profitability of the management company in which contributions are invested. Those. until the citizen retires, the funded part of the pension is formed by deductions for financing the funded part of the pension, as well as the interest annually accrued by the management company on the accumulated part of the pension formed at the end of the year. At the moment a citizen retires, the amount of the monthly pension payment is calculated from the funds of the funded part. Further, the funded part of the pension is monthly reduced by the amount of the monthly pension payment, and the management company annually accrues interest on the balance depending on the degree of its profitability.
In connection with the foregoing, each citizen born in 1967 and younger, whose funded part of the pension is currently placed according to option 4 of the table, must decide whether he agrees to the default reduction of contributions to the funded part of the pension from 6% to 2% in favor of the insurance part pension, or wants to keep the previous amount of contributions to the funded part of the pension.
Algorithm of actions for saving contributions to the funded part of the pension in the amount of 6%.
To save deductions for the funded part of the pension in the amount of 6%, it is necessary to determine by December 31, 2013 which pension fund (PFR or NPF) you want to cooperate with since January 1, 2014. The corresponding application to the FIU also needs to be submitted before 01/01/2014. Eventually:
PAW and GUK. If you want to stay in the FIU, you must personally submit an application to the personified accounting department of the local branch of the FIU:
If you want to transfer from the PFR to the NPF, then you need:
reference Information
PS If you find errors or inaccuracies - I will be grateful, the matter is important.
PPS 09/07/13 00:26 MSK. A little more about the joint and individual part:
The tariff of insurance premiums sent to the FIU contains:
The joint part of the insurance premium rate is the part of insurance premium contributions for compulsory pension insurance, intended to generate funds for the payment of a fixed base amount of labor pension, social allowance for the burial of deceased pensioners, etc. etc. In simple words, this is money that the FIU manages in real time and they do not affect the size of the future retirement pension.
About the funded part is written in the article above.
The insurance part of the labor pension is formed by deducting% of the payroll. Therefore, the higher the salary, the higher the size of the future pension. Contributions to the insurance part of the pension are received and summed up on an individual personal account. In fact, this is the obligation of the state to the insured, because funds in real time go to the payment of pensions to current pensioners. Those. on an individual personal account, something like the amount of state debt to the insured was recorded. The accumulated volume of obligations is regularly indexed.
The procedure for indexing the size of the insurance part of labor pensions (including their fixed base amount) is established by paragraph 6 of Article 17 of the Federal Law of 17.12.2001 N 173-ФЗ “On Labor Pensions in the Russian Federation”. In short: indexation depends on price increases, the annual average monthly wage growth index and the growth of PFR budget revenues per pensioner. Decisions on the indexation coefficient of the insurance part of the retirement pension can be found here . Summary plate since 2002 .
Citizens born in 1967 and younger registered in the mandatory pension insurance system were given the opportunity to choose the insurance premium rate for the funded part of their retirement pension in 2013: either leave 6% as it is today, or lower it to 2%, thereby increasing the rate for formation insurance part of the pension from 10% to 14%.
If a citizen in the past did NOT execute ANY documents and did NOT write ANY statements regarding the placement of the funded part of his pension, then he needs to decide what his insurance premium rate for the funded part of the pension will be. Now it is 6%, from 01.01.2014 by default it will be 2%. The deductions for the funded part of the pension will decrease from 6% to 2% due to the redistribution of the delta in the amount of 4% in favor of deductions for the insurance part of the pension.
Below is detailed information on the structure of pension contributions, the funded part of the pension and how to maintain the current 6% of the funded part of the pension.
| Category of insured persons | The size of deductions for financing the insurance part of the retirement pension | The amount of deductions for financing the funded part of the retirement pension | Premium rate |
| Citizens born in 1966 and older | 26% (10% of the joint part of the wage fund + 16% of the individual part of the wage fund, but not more than 16% of 568,000 rubles per year) | Not | 26% (26% insurance part + 0% funded part) |
| Citizens born in 1967 and younger | 20% (10% of the joint part of the wage fund + 10% of the individual part of the wage fund, but not more than 10% of 568,000 rubles per year) | 6% of the wage fund, but not more than 6% of 568,000 rubles. in a year | 26% (20% insurance part + 6% funded part) |
Contributions allocated to finance the insurance part of the labor pension for any category of insured are accumulated in the Pension Fund of Russia (hereinafter referred to as the FIU).
The deductions allocated for financing the funded part of the retirement pension are currently accumulated according to one of the following options:
| Option of placement of the funded part of the pension | Option applies to | Deductions as of December 31, 2013 | Deductions from 01/01/2014 (default) | A comment |
| 1. In a FIU with investment in a state-owned management company Vnesheconombank, independently selected by a citizen (hereinafter VEB VEK). | A citizen in the past chose, having issued in a special way, all the documents necessary for this, as the managing company of VEB GUK. | 6% of the wage fund, but not more than 6% of 568,000 rubles. in a year | Without change | - |
| 2. In a FIU with investment of funds in a private management company independently selected by the citizen (hereinafter referred to as the PSC). | A citizen in the past chose, having issued in a special way, all the documents necessary for this, as the managing company of the PSC. | 6% of the wage fund, but not more than 6% of 568,000 rubles. in a year | Without change | - |
| 3. In a self-selected citizen non-state pension fund (hereinafter NPF), which he himself appointed a management company. | A citizen in the past chose, having issued in a special way, all the necessary documents for this, as an insurer of an NPF. | 6% of the wage fund, but not more than 6% of 568,000 rubles. in a year | Without change | - |
| 4. In the FIU, with the participation of a VEB GUK, which was assigned to a citizen by default. | A citizen in the past did NOT execute ANY documents and did NOT write ANY statements regarding the placement of the funded part of his pension. | 6% of the wage fund, but not more than 6% of 568,000 rubles. in a year | 2% of the wage fund, but not more than 2% of 568,000 rubles. in a year | Reduction of deductions for the funded part of the pension from 6% to 2% due to the redistribution of the delta in the amount of 4% in favor of deductions for the insurance part of the pension: 10% joint part + 14% individual part. |
The funded part is an individual part of the premium rate. It can be inherited. The amount of the funded part of the pension is determined by the profitability of the management company in which contributions are invested. Those. until the citizen retires, the funded part of the pension is formed by deductions for financing the funded part of the pension, as well as the interest annually accrued by the management company on the accumulated part of the pension formed at the end of the year. At the moment a citizen retires, the amount of the monthly pension payment is calculated from the funds of the funded part. Further, the funded part of the pension is monthly reduced by the amount of the monthly pension payment, and the management company annually accrues interest on the balance depending on the degree of its profitability.
In connection with the foregoing, each citizen born in 1967 and younger, whose funded part of the pension is currently placed according to option 4 of the table, must decide whether he agrees to the default reduction of contributions to the funded part of the pension from 6% to 2% in favor of the insurance part pension, or wants to keep the previous amount of contributions to the funded part of the pension.
Algorithm of actions for saving contributions to the funded part of the pension in the amount of 6%.
To save deductions for the funded part of the pension in the amount of 6%, it is necessary to determine by December 31, 2013 which pension fund (PFR or NPF) you want to cooperate with since January 1, 2014. The corresponding application to the FIU also needs to be submitted before 01/01/2014. Eventually:
PAW and GUK. If you want to stay in the FIU, you must personally submit an application to the personified accounting department of the local branch of the FIU:
- For those who are constantly registered in Moscow or the Moscow Region, this is the FIU branch at the place of registration, for nonresident with temporary registration - the FIU branch at the place of temporary registration or the local branch of the FIU at the place of registration, for nonresidents without temporary registration in Moscow - this is the FIU branch at the place of actual residence in Moscow or the FIU branch at the place of registration / temporary registration.
The address and telephone number of the local branch of the PFR (for a personal visit to its personified accounting department) can be found by calling the territorial branch of the PFR. List of territorial branches of the FIU .
Addresses and phone numbers of local PFR offices in Moscow and the Moscow Region can be obtained at the PFR Territorial Office in Moscow and the Moscow Region, 119602, Moscow, Academician Anokhin St., 20, bldg. Ah, tel. 8 (495) 987-0913 or here .
- You will receive the application form when contacting the personified accounting department. A draft of the current form is here (.doc) . In the application, you indicate the management company you have chosen (VEB GUK (this is now the default for everyone) or PMS). Details GUK VEB . And put a mark of 6%.
If you choose VEB GUK, you must indicate which investment portfolio you choose, “Extended” or “Basic”. Currently, by default, you have Advanced. What is the difference, see here .
If you choose a PAA, then indicate the name of the investment package when there are more than one in the PAA. A list of management companies and their investment portfolios is here (.xls) .
Detailed information on each management company and its investment portfolios can be obtained on its website.
If you want to transfer from the PFR to the NPF, then you need:
- Contact your chosen NPF. List of non-state pension funds (.xls) .
- For a personal visit to the NPF of your choice, you fill out an application for the transition from the PFR to the NPF (.doc) there and conclude an agreement with the NPF. The contract form is individual for each NPF.
- For customers (and not only) of Sberbank. Sberbank has its own private pension fund . Here you can find out how to transfer from the PFR to the NPF of Sberbank.
reference Information
- On the PFR website you can find information that applications for choosing a management company for the PFR or transferring from the PFR to NPFs can also be submitted by mail. But the question is poorly understood. The technology is complex and opaque. Therefore, in both cases, a personal visit is preferable.
- To select a management company and investment portfolio, you can use the ratings of management companies .
- To select a non-state pension fund, you can use the rating of non-state pension funds .
- The size of the future pension can be estimated using the Calculator .
PS If you find errors or inaccuracies - I will be grateful, the matter is important.
PPS 09/07/13 00:26 MSK. A little more about the joint and individual part:
The tariff of insurance premiums sent to the FIU contains:
- The joint part of the premium rate
- The individual part of the insurance premium rate, which is allocated for financing, consists of:
* The funded part of the labor pension
* The insurance part of the labor pension
The joint part of the insurance premium rate is the part of insurance premium contributions for compulsory pension insurance, intended to generate funds for the payment of a fixed base amount of labor pension, social allowance for the burial of deceased pensioners, etc. etc. In simple words, this is money that the FIU manages in real time and they do not affect the size of the future retirement pension.
About the funded part is written in the article above.
The insurance part of the labor pension is formed by deducting% of the payroll. Therefore, the higher the salary, the higher the size of the future pension. Contributions to the insurance part of the pension are received and summed up on an individual personal account. In fact, this is the obligation of the state to the insured, because funds in real time go to the payment of pensions to current pensioners. Those. on an individual personal account, something like the amount of state debt to the insured was recorded. The accumulated volume of obligations is regularly indexed.
The procedure for indexing the size of the insurance part of labor pensions (including their fixed base amount) is established by paragraph 6 of Article 17 of the Federal Law of 17.12.2001 N 173-ФЗ “On Labor Pensions in the Russian Federation”. In short: indexation depends on price increases, the annual average monthly wage growth index and the growth of PFR budget revenues per pensioner. Decisions on the indexation coefficient of the insurance part of the retirement pension can be found here . Summary plate since 2002 .