Harmful working conditions in Russia include underground work, hot shops and some others. To retire early, you must meet two criteria:
work in hazardous conditions for 10 (for men) and 7 years and 6 months (for women);
have a total work experience of at least 20 (for men) and 15 years (for women).
If half of the work experience (5 years or more) has been worked in hazardous conditions, then each year the retirement age is reduced by one year.
Working in difficult conditions
This group includes some types of construction and guangdong mobile number database industrial work. Criteria for early retirement:
work experience in difficult conditions - from 12 years 6 months and 10 years for men and women, respectively;
total work experience - from 20 and 25 years for men and women, respectively.
If these conditions are met, men can retire at 55, women at 50.
If at least half of the established length of service has been worked under difficult conditions, then every 2.5 (for men) and 2 years (for women) the retirement age is reduced by one year.
Work in the Far North
Criteria for early termination of a working career:
work experience in the Far North - from 15 years, in equivalent territories - from 20 years;
total work experience - from 25 years for men, from 20 years for women.
If these conditions are met, men can retire at 60, women at 55. If only half of the work experience in the Far North has been accumulated, each year the retirement age is reduced by 4 months.
Long experience
If the total work experience is 42 years for men and 37 years for women, then you can retire two years earlier. The minimum age for men is 60 years, for women - 55 years.
How to save money on your own: three principles
To accumulate significant capital on your own, you should adopt three key principles:
save regularly (at least once a year);
use different investment instruments;
invest money for a long term (from 10 years).
Regularity will allow you to constantly increase your savings, flexibility will allow you to adapt to changing market conditions, and long-termism will allow you to earn on risks.
Effective ways to save money
To save a significant amount on your own, it is recommended to use proven methods in combination with risky instruments. In Russia, it is worth giving preference to bank deposits, savings accounts, bonds, shares and mutual investment funds. With the right combination, they provide a stable income with minimal risks. We will tell you in detail about each instrument.