(Article 5 of the Federal Law of 15.12.2001g. N 167 FZ "On Mandatory Pension Insurance in the Russian Federation '). According to some participants of the stock market activities of management companies and private pension funds are so regulated that it is appropriate to consider granting them a bit more authority. 2. I can not stay without any pension.
This opinion is very common, but in the management of private pension funds and asset managers are not transferred all pension, but only a contributory part, ie left without pensions generally can only If cease to exist the pension system. In addition if and only if, the insured person is practically unlimited in their choice, and at any time to write an application and to transfer their accumulated part back in the RPF. 3. Life expectancy in our country is not great and there is a very good chance that I just can not live until retirement. This is one of the most interesting moments – in fact arguing in this way their reluctance to participate in future retiree own destiny (at least we – we hope that most have read this stuff live to retirement age) and suspects that he has the ability to assign successors, who will be able to get the money funded part of pensions in the event of his untimely death. 4. Prior to retirement very well, I think I can solve all their financial problems by then.
Assuming that to pension is very far and everything will be arranged as a matter of, we often base our actions on that tomorrow will be the same as yesterday, but after 10 or 15 years, everything will be just as today, although seemingly , convinces us of the opposite – one has only to recall the last 20 years of Russian life. Take care of yourself, even in this uncertain world – it's a habit that does not come by itself. 5. I work a lot and not getting a lot of those crumbs which fall into pension fund, and then in the funded part of pensions are not vanity, it's better all lost in the state structures. If you ask a question, when you were last in the pension fund and asked the size of their funded portion of pension, or trying to figure out the letter on the status of their account of the Pension Fund, then it can respond not everyone. See really find out what size is now funded portion of your pension – the amount may not seem too insignificant to you. Besides, that would exercise the right to control their own part of pension funds in fact sometimes do not have to do almost nothing – it is necessary to call an agent or a private pension fund management company in your town, the agent will come to your own – will only sign the documents. Should I choose a different manager for his part funded pensions, but the state to decide, of course, you. Having earned honestly, once again, think for how much money has already been transferred to the pension fund – may want to treat it closely.