Currently, every citizen of Russia, even children, requires a personal account with the Pension Fund of the Russian Federation, in other words, a pension insurance certificate. What does it give a person?
Firstly, the insurance certificate for you personally is a guarantee of the state that your funds in your personal account, your pension savings are taken into account. Of course, for this accounting, you must be officially registered with the Pension Fund of the Russian Federation. Having a certificate and a passport, you have the right to control your savings in the account.
Secondly, the insurance certificate, issued in the form of a green plastic card, contains personal data, including the insurance number of an individual personal account - SNILS. The latter is necessary for the employer, since it is on this account that your organization (or you yourself, if you are a self-employed person) makes transfers, pays contributions. These contributions constitute the insurance part, which will become the basis for calculating the labor pension in the future.
Your certificate is also your pension insurance. In Russia, insurance is compulsory and is based on the payment of premiums. Those. a pension is not a social benefit, it is compensation from the state for lost earnings, for the fact that you are no longer able to work.
A plastic card is a document oriented towards the future of any citizen of the Russian Federation. Today, the policy of the Pension Fund is aimed at instilling in every person the idea of the need to independently provide for their savings. Today you have a lot of opportunities to influence the size of your future pension.
This is an independent management of pension savings, and the possibility of choosing a non-state fund or a management company. Thus, you can influence the funded part of the pension by investing free funds. You can also manage investments yourself, or entrust the management to specialists and receive, in addition, interest on capital turnover. In addition, the state has developed a program for co-financing voluntary contributions.
