After your career ends, your pension may not be high. Some professions and jobs offer significant bonuses. But what if this is not your case? And isn't it better to have multiple sources of income for old age? We'll look at several options for preparing for retirement.
General principles of pension savings
The pension consists of three main factors:
fixed part (FP), which in 2024 is 8,134.88 ₽;
pension coefficient (PC), which in 2024 is equal to 133.05 ₽;
individual number of coefficients (INC).
The fixed part is almost the same for everyone. Its size is reviewed cambodia mobile database every year. A coefficient (or point) is added for each year of work. The number of these coefficients reflects the length of service.
Payments for each month are calculated using the formula:
Pension = PC * KPK + FC
There are many nuances in calculating length of service. For example, not only the actual days worked are counted, but also the time spent on military service or on maternity leave. In such cases, the coefficients even increase.
The fixed part also changes depending on various factors. It is affected by the time of retirement (the later, the higher the payment) and the region in which you worked.
The formula above rather roughly reflects the size of payments. The coefficients are calculated separately, taking into account the size of insurance contributions.
Pension and choice of currency
General advice on saving is diversification. The more different, independent investments you have, the more stable your situation is. To some extent, this rule also applies to currencies. This does not mean that you need to buy up as much money from different countries as possible. It is quite enough to keep part of your savings in a currency independent of the ruble.