Must see The whole truth about pensions How the pension fund deceives us
In this video I want to convey to everyone the essence of our pension system, why we have the most "pitiful" pension in the world, in such a rich country.
For example, on November 11, 2016 it became known that the pension fund will spend 184,000,000 rubles on PR, i.e. on an advertising campaign to convince people to take a responsible approach to payments to the pension fund, not to go to work in organizations where they "pay in an envelope" or register workers as individual entrepreneurs.
Or, for example, in December 2011 the pension fund placed a tender for the purchase of a car worth almost 5 million rubles, pension fund officials did not want to buy a middle-class foreign car, but only a business.
But there are more important projects, such as the government's proposal to spend 40 billion on the development of the Cossacks, such a proposal was received in August 2016, the money was supposed to come from the Pension Fund of the Russian Federation, among other things.
Hence the explanation of why "there is no money, but you hold on"!)
Below I will give a simple calculation of investing pension contributions into a bank deposit, provided that you receive a salary corresponding to the average in Russia.
According to Rosstat, the average salary in the Russian Federation as of August 2016 is 35,405 rubles per month.
With the above salary amount, deductions to the Pension Fund, Social Insurance Fund amount to 10,692.31 rubles.
We will not take a labor veteran as an example, for the calculation we will take 30 years of experience and will invest funds in the simplest way into a Sberbank deposit, with capitalization of interest, at 7% per annum.
After 30 years, the account will have funds in the amount of 16,261,094.95.
The calculation is made without taking into account inflation, but if inflation increases, there will be an increase in wages and, as a result, contributions. After all, in the same 2006. according to Rosstat, the average salary was 10,880 rubles.
So, we have 16,261,094.95, we can simply divide this amount by 19 years and 12 months, as non-governmental funds do, and we will receive a pension of 71,320 rubles, or we can purchase real estate for rent, in which case such investments can be passed on by inheritance.
The average pension in the Kursk region in 2014 was 9,731 rubles, in 2015 10,670 rubles.
Why does it happen that at the end we have a pension of 10,000 rubles, which is not even enough for food?
There are many reasons:
ineffective, unprofitable investments,
multi-billion dollar thefts,
huge expenses of officials,
investments of money from the Pension Fund in other industries that are completely unrelated to our pensioners.
Does it make sense to pay contributions according to our legislation and also make additional contributions as the Pension Fund is trying hard to convince us of?
Before you retire, your savings will be spent on supporting, for example, the peoples of the dying Yucatan tribe, on advertising or on the luxurious life of the Pension Fund bosses, so only you yourself can take care of your pension, start investing today.