It is time to return to an active professional activity! After returning home, I discovered to my reader about 500 unread items, and in the box - 120 unread messages. Do not worry, everyone who wrote will answer. Somewhere in this pile of rubbish was lost reminder to extend the hosting services ... found out mistakes of yesterday evening, when he tried to publish a post and came across the message "Account locked". While hosting paid until the money came to the host until the account is unlocked hoster ... The main thing is now extended domain not miss.

Long time we did not think so. Finance without numbers and calculations - this is nonsense. I offer all the same deal to the end with the gift of our political leadership of future pensioners and see how this will affect the present structure of our pension savings.

When Putin announced support for voluntary retirement savings, everything seemed very bright. Still would! Your additional investments in pension assets doubled due to government support. But there are a few limitations of the instrument. Referring to the source.

By the way, it still was not easy to find - nazyvetsya law "On additional insurance contributions to the funded part of labor pension and state support of formation of pension savings", although in all the news media talk about the law "On stimulation of voluntary retirement savings." But these are trifles.

Firstly, the state support for the additional contributions to the mandatory pension insurance, instead of voluntary pension contributions. Who cares? - You ask. Big difference. Voluntary contributions belong to you personally, and you can pick them up at any time (income tax when you rasstorgaete contract with SPF before retirement age, otherwise you do not pay taxes). And contributions for compulsory pension insurance you can only get when the insured event (retirement age, disability).

For more legal difficulties arise in the absence of an official work that is when you just are not included in the system of compulsory pension insurance. In this case, you will have to enter into a contract directly with the FIU. Housewives, freelancers, and entrepreneurs need to take care of their own retirement.

Secondly, a tempting offer is valid until July 1, 2013. If you do not have time before the deadline to apply for the payment of additional contributions, the state did not receive support. However, while there is time.

Third, the state co-financing is valid for 10 years. Even though Buffett can not double its annual investment for 10 years. In addition, there are restrictions on the minimum and maximum amount of the annual insurance premium (and it would be tempting to take credit for a couple of tens of millions even under 50% per annum, and invest the money in the pension plan ...). The minimum annual fee - 2 000 rubles, maximum - 12 thousand rubles.

So, our pensions will consist of three large pieces (unofficial name): compulsory pension insurance OPS (formed from contributions for compulsory pension insurance, the same 6% of the salary that are UST), voluntary pension insurance DPS (it's part of a government stimulation) and personal pension capital LPK (fully formed by you - can be used as SPF and conventional financial instruments such as deposits, stocks, mutual funds). There is a basic part of the pension, but its size is so small compared to the desired retirement income that we drop it from the calculations.

It is logical to assume that the DPS tool must be used to the maximum. Already 1000 rubles a month to postpone almost anyone can do. Obviously, just a personal pension plan needs to be adjusted.

The easiest way to adjust - to take the necessary pension capital on the date of your retirement (not official and real) and take away from him the amount that has accumulated to this point on the OPS and DPS. The resulting difference - it is the capital that is necessary to form their own. Best of all it's still not done through the APF, and to take advantage of the variety that gives mutual funds. Currently, every self-respecting Criminal Code there are a set of mutual funds for all occasions. For example, the Criminal Code "Gazprombank" offers several mutual fund industry shares, mutual fund of mixed investments, bonds, index. For a complete set lacks the money market mutual fund. In the long term (and pension funds - is a long time) it is recommended to choose an index mutual fund and no steam.

But in fact, as the official timing of retirement and do not match the real, the adjustment has to be a bit more complicated. If you plan to live on the pension capital, since 50 years, it is worth considering that for ten years you will have to do without the OPS and DPS, which will begin their payments only on reaching your 60 years (for men).

Downloading the updated calculator pension capital

As with any model, the calculator contains limitations and assumptions:

OPS and DPS is paid a single amount at the moment of the official retirement age.
Pension capital is calculated based on the fact that the desired pension will be paid for an unlimited time. Often, retirement planning retirement offer count for age survival, but I do not like the need to plan the time of his own death ...
Pension funds are not subject to income tax. OPS and DPS did not taxed, but forestry is not only taxed when the PBL is formed through a pension fund.
Inflation explicitly in the model no. It can lay in wage growth and profitability of pension investments.
Intra capitalization of pension capital is not available, so the numbers needed investments as a result gets a bit too high.
The yield on personal pension investments is the yield cumulative part of the pension (in fact, this is true only if you invest your own money through the NPF, and do not use other financial instruments).
It is assumed immutability of all indicators during the accumulation period. Therefore, to assess the growth and profitability of pension sn investments worth using averages.
Brief instructions for use.

Input:

Desired monthly pension - further explanation, I think, is not required
your age - you need to calculate the number of years until retirement
floor - you need to determine the official retirement age, which for men is 60 years for women - 55 years
the age at which you plan to complete the work - the real retirement, may differ from the official
the size of your "white salary" - 6% of it form the OPS
Annual wage growth - again for the calculation of OPS
your current pension assets - as you currently own accumulated funds for future pension
the profitability of pension investments - planned return of your pension contributions
the risk-free rate of return - the pension is to be paid at this rate, so as not to jeopardize the already accumulated pension capital
Outcome:

required capital - the amount of funds sufficient to ensure profitability at the risk-free pension you desired size
the initial capital - in that turn your current pension assets at the time of retirement - isolated in a separate line only for convenience of calculations
OPS - the amount to be derived from your contributions to the TSO at the time of retirement
DPS - the amount to be derived from your contributions to the DPS at the time of retirement
necessary forestry.
TIC is calculated differently, depending on the ratio of the actual retirement date and the official retirement age. If you go to retire after 60 years (I will write about men), for example, 65, then 5 years of contributions to the OPS and the DPS will not pay, but the accumulated funds for these programs will continue to work for you for the risk-free rate, reducing the need LPK. Conversely, if you retire at 55 years, 5 years you'll be "eat away" your LPK, waiting, when will the retirement age, and you can "reopen" the sum of the OPS and the DPS, which until 60 years you use is prohibited.

Most of you probably do not need the subtleties of the calculations, so immediately fill out all the fields marked in blue, see in the lower right corner, where there is your personal pension plan investments. If I want 50 years to receive a pension of $ 150 000, in the next 10 years, I need to invest monthly 1000 rubles to the Pension Fund (MRF) and 7592 rubles in private pension assets. And in the next 14 years we need to invest monthly 7592 rubles a personal pension capital. Amounts quite lifting, and the reward is very decent.

Living the present, remember the future.

Nick Cherry.