Funds could be spent on improving housing, teaching a child, retirement to mom. At that time, we did not need to improve housing conditions, it was far from studying at all. Over time, the government wants to significantly expand the list of use of maternity capital, for example, to purchase a car, treatment of a child abroad. It is not necessary to use all the money entirely in one direction, you can take in parts for different purposes. But it must be borne in mind that the use of money for the purchase of housing or the education of a child cannot be redirected. Great temptation to get money on hand. But any fraudulent cashing schemes are persecuted by law.
At the general family council, it was decided to transfer capital into pension savings. Considered the main thing: the funds laid down according to the certificate, initially aimed at the funded part of the mother’s pension, can be redirected at any time to the purchase of housing or to teaching the child. Someone will object, digging mom’s pension is not such a priority task. But it so happened that the able -bodied part of life was given to raising children, which means that the funded part of the pension was not formed at this time.
In order to receive a decent pension, it is necessary to have enough work experience. This is relevant than ever, because the government thinks to amend the pension legislation. Seniority to increase from five years to 35 years. Mat will help to increase the pension.capital and do not postpone the solution of this issue. The faster draw the conclusion and send MK to the mother’s pension accumulations, the earlier the money will “earn” and bring income. The mechanism of investment is launched, capital growth is underway.
The decision was in favor of a non -state pension fund, to accrue a higher percentage. They act as insurers, work in accordance with federal laws, vt.h. “On non -state pension funds”. Their activities are to accumulate, invest, maintain and increase payments. It is important that before the pension is assigned, these funds can be redirected to the FIU for other purposes. Today, on the basis of ratings, you can make sure that the NPF has become serious competitors of the PF. The main thing is not to be mistaken in the choice, given the reliability rating, profitability, number of insurers, reserve volume. Choosing a dozen NPF with a decent reputation will not be difficult.
Firstly, it is necessary to conclude an agreement on compulsory pension insurance with NPF. Secondly, write an application to the FIU, in which to indicate the transfer of funds (in whole or in part) in the NPF to the funded part of the pension. Be sure to have a certificate. The application was submitted until May 1, so our capital was transferred in the second half of the year.
When retiring, I, as the owner of a certificate, can receive these funds in the form of an urgent payment. The basic and insurance part of the pension paid by the state does not depend on the savings in the NPF.
Maternity capital is aimed at financing pension savings in forty years in the amount of three hundred eighty -seven thousand 640 rubles. By the day of retirement of fifty -five years, when investing 8 %, the income will be one million one hundred and fifty thousand 185 rubles. The surcharge for a pension will be: one million one hundred and fifty thousand 185 rubles to divide by 120 months it will turn out nine thousand five hundred and eighty -four rubles (in the form of an urgent payment). It remains to live to this wonderful moment to me and my money.