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Post by habibi on Sept 16, 2023 6:46:46 GMT -3
Insurance pension – how is it?
The insurance part, as well as the savings part, is transferred Phone Number List and deposited into the employee’s account. The disadvantage of an insurance pension for many is that it is purely formal in nature, and there are no real funds in the account - all of it goes to paying pensions to current pensioners. People call such a system the solidarity of generations.
What is the difference between insurance pension and funded pension?
So, let's look at the table as an example to see what is better - the insurance or funded part of the pension, and what is the difference between them.
Insurance pension Funded pension
What is the source of royalties? Contributions from the employer Funds placed on an individual account
What's the point Government Distribution Obligation Compensation of income from investments
Indexing Voiced by the Government Information can be found in state and non-state pension funds
Pension amount Directly depends on points, which change annually due to length of service, salary and other important indicators Directly depends on what amount is credited to the account and during what time it will be paid
Inheritance method Not inherited by relatives or other persons May be inherited until assigned
Conditions under which the appointment Appointed at the moment when a person reaches a certain length of service or age A citizen must have a certain amount in his account. Can be received upon reaching retirement age
As you can see, both pensions are significantly different, and only you can choose which one to choose.
Which pension to choose - insurance or funded? What's better
Despite the fact that the Pension Fund of the Russian Federation is trying to explain in as much detail as possible what a funded and insurance pension is and how they are formed, many still wonder what it is. But each of them is formed completely differently. Actually, the main essence and differences are as follows.
The insurance part, as well as the savings part, is transferred Phone Number List and deposited into the employee’s account. The disadvantage of an insurance pension for many is that it is purely formal in nature, and there are no real funds in the account - all of it goes to paying pensions to current pensioners. People call such a system the solidarity of generations.
What is the difference between insurance pension and funded pension?
So, let's look at the table as an example to see what is better - the insurance or funded part of the pension, and what is the difference between them.
Insurance pension Funded pension
What is the source of royalties? Contributions from the employer Funds placed on an individual account
What's the point Government Distribution Obligation Compensation of income from investments
Indexing Voiced by the Government Information can be found in state and non-state pension funds
Pension amount Directly depends on points, which change annually due to length of service, salary and other important indicators Directly depends on what amount is credited to the account and during what time it will be paid
Inheritance method Not inherited by relatives or other persons May be inherited until assigned
Conditions under which the appointment Appointed at the moment when a person reaches a certain length of service or age A citizen must have a certain amount in his account. Can be received upon reaching retirement age
As you can see, both pensions are significantly different, and only you can choose which one to choose.
Which pension to choose - insurance or funded? What's better
Despite the fact that the Pension Fund of the Russian Federation is trying to explain in as much detail as possible what a funded and insurance pension is and how they are formed, many still wonder what it is. But each of them is formed completely differently. Actually, the main essence and differences are as follows.