they strongly persuaded him to play in the seventy-fourth year. it was no longer. the dictator was already different. uh, he absolutely. he said he categorically refused the world cup compilation anyway, the search for the next pele yes continues and each generation gives a new player. yes , now it is correct and actually, and as, probably, the marker of this player is closer to the saw. this is a dozen of us, of course, a dozen of course, attacking this of course, but you're not in anything. case such as pele well indeed. well, like a steering wheel or something like maradona is one of a kind. that is, in general, uh, such. well, pele generally stands somewhere there, that's where he is, but above all over all apeleks, by the way, because he said about himself that he does not attack. i also talked about running. i'm an attacking midfielder. hmm, he liked to play from behind. he didn't play austria like that. and roma aromario, when

a black world champion is formed, number 11 is yes, and number ten this year was one player who yes, yes, yes, this, that is, yes, this is all no, but, because there was not by don neymar in the brazilian national team by the dozens. can say in france but then yes was yes, yes, yes, again, well it is, although very good very good certainly. but this is the most important point, yes, in fact, you know, i was struck not so long ago, i saw such a compilation of his actions on the field, and in comparison with modern players. and you look at what messi is doing cristiano that is. uh, a little

earlier, again, you recalled cruyff with incredible tricks. he did it all. he did everything in the fifties, that he did everything, and he already did the same one, yes, the most awesome one in the kit. very interesting, yes which will not show what pele did and then you watch messi and the most awesome moment is in e-mail. this is the moment when he did not score in the world cup of the seventieth year, they play with uruguay making a pass to pele got a pass, yes, and there were two moments. in this match. i hit one and then another. that's the right moment when the tastal makes a paz forward. yes, he runs out on pele and on the ball. this is how the mazurkiewicz runs. that's the way the ball goes. thus he runs past mazurkiewicz. yes, and we represent the sword and

mazurkevich, stunned, he does not understand what is happening at all, so where, because i run around sawing the ball, he goes even further, he runs around mazurkevich, catches up with the ball, and in the fall he takes it into the far corner. give me 5 cm, probably, this, this, this, of course, married. and yes, here, here, don’t be fooled not to drop. not ult. i didn't see it, but i didn't. and i watched a lot of bachi. i mean, i hope that after our podcast people will go look for pele 's matches and see what he was like. well, look, really. now it can be found, from this one can get the channel will show this ticket. let's solve bitches kirill thank you voice acting brilliant oh what alexander thank you very much for the time.

hello dear viewers, we are on channel one at night and i am with you mikhail khanov , presenter podcasts easy money today the theme of our program. it would seem that, which is still so far away and at the same time so close, it is called pensions and in order to sort out this issue. today we have two wonderful women, two experts. this is yulia finogenova, professor of the department of state universal financial establishment of the russian plekhanov university of economics and lyudmila ivanova shvets associate professor. departments of the chamber of commerce and industry of the russian federation development of the rural capital of this zhreo and not prikhanov. hello ladies. hello julia hello lyudmila and today we will try to figure out what a pension is? what will it be to whom it is supposed? how it is supposed to be

and so on. let's start slowly. well, to catch on for something, the twenty- third year is a good introduction. that is , some innovations were accepted. which significant changes have taken place. although the truth is that this is unlikely to affect pensioners, but now we have e instead of two social funds of the pension fund of the russian federation and the social insurance fund, there is a single social fund, that is, a pension fund. and the social security fund teamed up there complicated was uh, for whom it's good. i think it's good for the state, because despite the fact that they will now exist for some time in parallel, but still this is a reduction in resources and administration. well it seems to me that this is not bad for pensioners, because it will all be, in principle, a single window, because there will be functions, of course, functions. no united, because we

really have a lot of faces. eh, older . well, and all those who receive, maybe some kind of social pension payments. uh, they used to have to contact their pension fund. in social from what let's immediately decide before uh official age, pre- retirement 5 years before retirement now? it's hard to say how much because us now phased retirement, so 5 years before retirement on before retirement. let 's say televisually. it's there 55-65 years. yes, yes, you can say excellent. further, a significant change will also take place, uh, which will relate to the funded pension we are forming in the system of compulsory pension insurance. let's what is a funded pension, a funded pension is a pension that is paid by a pensioner upon reaching retirement age from the savings that he either himself made for himself, or for him did the work to give, if you can do the accumulation yourself. the fact is

that the russian system provides for two options for the formation of pension savings. the first option is those that made contributions until 2015. as you know, yes. fund payroll in the amount of 6%. and this money went, just for the formation of pension savings, it is possible that the youngest was born in 2007. we have a pension fund deduction of 22% just for the audience, it may not be clear yes 22%. and until the fifteenth year, what julia said 16% went for an insurance pension, and 6% for the funded part. what is the difference between an insurance pension and a funded one? so we started this insurance pension for all pensioners. those who have earned a pension, an insurance pension, are payments to pensioners upon the onset, of course, of retirement age from a common pool. well, the work of the employer makes contributions to the pension fund. yes, and this pension fund is spending money

on the current 16% yes, it is also called the distribution system. there, first it is accumulated, then it is distributed, and the accumulative system. she does not assume that these contributions that will be made, either the employee 's this is in the system of mandatory pension insurance, or he himself will do it on his own individual account. yes, he can independently save this to the non-state pension system, and it is not assumed that this money will be spent on anything else, except for his own pension upon reaching retirement age. there is no such confusing funds. a very interesting point is that, for example, we receive an insurance pension with you upon the onset of an official retirement age. now it's 65-60 yes, 60 for women 65 for men. but the funded pension, regardless of where it is formed either in the system of compulsory pension insurance, or on a voluntary basis. you can receive under the old pension system before its reform in the eighteenth year. that is, it is 55-60, what

do i need to do in order to get this part to apply to the pension fund, yes or to them the state pension fund, if the accumulation was done there and say that i i want to receive fundraising. he himself informs the non-state pension fund of those who are already old, here is the old pension for dinner. eh, it's coming. he usually informs them himself that you have the opportunity, uh, to start receiving payments, but this is not always the case. i wanted to clarify, because there are different corporate pension programs. that is, there, uh, finally our viewers. look at the employee who works for the company. and if the company has a corporate pension program, as a rule, there are several options such, yes such programs. well, for example, uh, workers individually. some percentage can be deducted there, but solidarity, where i say both employees and employers, so this is how we deduct. that's so much and so to say that you have to be a good

worker to be offered to take part in the corporate program. let's now focus on the usual through the viewer yes, the average small city in our country. which there are no corporate programs. what was the first thing he encountered? it's here to figure out more to understand if only when we had a state system, some huge number of non-state pension funds appeared, and everyone was campaigned to transport money in them. those who did this came, just about the same funded pension, which, of course, is 16% - this is not exquisite. it's six percent. we have indicated, that is, 16.6 go into your pocket. and your work and you might not even know the idea that for you to work deducts 6% if you are sixty-seven years old and younger yes of birth, and the factory work the giver to the pension fund deducted 22% of which 16 for payments to current pensioners, and six were set aside specifically for me. yes, yes, to your

personal account, but let's just say that the money that is formed on this account was formed . yes, and still. by the way, they are formed. that is, even after that. there was a system, uh, the accumulative system was frozen. and what does frozen mean, i’ll just remind the viewers too. uh, we are talking about the fact that in 2015 it was said that everything that was accumulated until 2015 it continues to be invested, but will not be replenished and these 22%, which now the employer pays the pension fund. they completely go to finance current pensioners, that is, a fatal pension . everyone is on an insurance pension. yes, your individual savings account has not been replenished since 2015, but this does not mean that the money is depreciating. why because they must be invested and the more and the further, the more money is invested money, to whom the institutions owe you, first of all as

pensioners, because you are interested in that by the time of retirement your individual account is not reset to zero. let's just say it didn't go down. come on, you know, like, uh, there were a lot of innovations. still, everyone is interested in what is here. now, yes, what else has changed since 23 , has it already changed or is it planning to change? yes, for example, the same experience, but i understand that we are now in a transitional period, but it is very difficult. yeah definitely be clear at what age who's coming out, but let's try to do it. well, let's start with simple definitions, going back to the list. yes, the definition of the concept. fear from 2024 man it's the fourteenth year is very interesting, the 23rd year, we will not climb. so 24 minimum experience of 15 years 15 years - this includes education or not. see three conditions for retirement, dear viewers three conditions. so i really like it when the numbers are like that. the first thing is, uh,

the presence of the necessary experience. here is what julia said 20 years old, today 15 years of training there in different ways, somewhere included somewhere not included. uh, military service comes with the baby. it's just different pension points. well, nevertheless. yes, that's for e viewers i wanted to say a very important thing and asked a lot of questions. oh, i have a continuous experience of such a thing as continuity now, not even, of course. calm down new books does not affect the size of the pension. the main thing is that it be in the aggregate, that it be and that's it, yes, this is the first condition, the second achievement of retirement age. you can now try to at least say what kind of twenty -fourth can be dragged in now in the twenty-third year in the year 20, only those who can

leave early on benefits, for example, for harmfully difficult working conditions. here is the transitional age . now we have the same age since the eighteenth year. every six months it is added there, so now women are retiring from the age of 24, they will retire, uh, 1900, in my opinion, 64 years old and men 61 years old, because uh, while the transition period is going on. they can pay attention to the fact that if you do not have the opportunity to retire earlier yes , preferential category, if you do not belong to them, most do not belong to them, yes the population is from 2023. he's so very interesting because he's jumping thru, yes, through the possibility of retirement. well, the third and third condition is the accumulated pension points. what it is?

uh, that's the retirement score or the retirement ratios, that's the same as the retirement expert. yes, that's the retirement ratios. this means that every employee who receives wages and for whom the employer makes contributions to the pension fund, and these amounts are converted into pension coefficients, and there is a minimum there is a maximum. but even if you have a very high salary , then the maximum number of points you can earn per year is 10, 10 points, right? above uh, these points are translated by a certain amount. cost of a point cost of a point every year the ministry of finance claims, based on indexation from inflation , uh, to say that there is some kind of formula formula, as such there is none. well, every year the ministry of finance approves this amount, the cost of the buffalo coefficient is immediately a question. and probably, a kyudika, when you are still an

assistant professor, this should be close to you. you know as a student asks where you can read, where where is the manual. where to read. well, here it is to be clear and precise. quite right. this can be viewed in your personal account on the website. e of the pension fund or on the website of public services, for example, means by points we go to public services. everyone knows what a personal account is. we pay there, as a rule, fines for cars. now. it turns out there are also various departments in the personal cabinet and something, and there is a detailed description. time to the present the moment that you came in, i may not be a pensioner. yes, but let's probably already read, where is it, where is it, let's say the viewer has no papers at hand now. although this is incorrect, the number of materials is on the website of the same pension fund of the russian federation ps.ru. and what is the fss united? yes, rf.ru has three excellent

rules for receiving a pension. we said that experience is the achievement of age and points. yes, 30 points minimum. i must have, do i have them, or do i have if no experience, if there is no one of these conditions, i understood everything, yes, yes. and for money, but there is one moment, you can buy half of the e, enough of the missing experience. uh, according to this twenty-second year, in order for you to buy in addition 293.000 you need to pay in order to buy half. uh, we have no more than 7 1/2 years of experience. we were already 7.5 correct, but uh 46.000 is approximately worth one and one points. well , about 300,000. and i'm fine. with experience. i even have 15 years. it's just that if you made, for example, in december last year,

then this will be reflected only next year in a year. that is about it. you have to think ahead. eh, about being monitored, we went to the site to see what you have before retirement. if you are a year away from retirement, then it may be too late to buy more experience. well, for these pension points, you can e until the moment you officially issued a pension, that is, if you issued pensions, then thought. oh, what a small pension i have, come on, i’ll buy more , yes, to myself, so that i have it like that, which i go to, unfortunately, there ’s no such thing, i didn’t provide for it. let's do this, since we are watched at night, mostly youth, dear viewers, young people, you are concerned about buying a diploma, immediately buy yourself an experience, buy it right away and that's it. know when please give the entire price list. what to buy seriously this is serious, because we now have 6 million self-employed, their busiest self-employed, what's with them means ip ip. yes , there are different things there, i worked for 15 years . actually, in ip, i have the right to

retire or not, it’s not a fact that you have a look. you know, like anyway, that's enough. here we can get confused here different be we won't talk but there you can check it, but on the site , again, the fiu paid or the contributions to the pension fund for you, you yourself know whether i paid or not. if you know what you paid, then all is well, but if you don't pay as a sole proprietor, and self-employed or not, as a self-employed person, you are only liable to pay tax on professional income. and if you want, and i don't. and if you want to accumulate it, here you are busy yourself, and you decided that you will not mess with any official company. you yourself are busy. everything is fine with you, but in order to save up for yourself the minimum pension to be deducted in the twenty-second year, in my opinion, is about 35,000 rubles. contribute to the pension fund so that

one year of service is credited to you and then you have a guarantee of what you will receive? well, at least there is no minimum pension, e insurance pension, yes, upon reaching retirement age. if you do not do this, then you can only be sure that you will receive a social pension 5 years after the retirement age, that is, for a woman it is 65 years. at 70 years old, a social pension is the minimum who is missing. here uh insurance pension, the average insurance pension now, uh, i have 18. here are 18, 18 75 readings. thinks differently, but my last data today is 18,782 rubles. let's say we

stopped the average for russia 18.000. this is the minimum that we can count on if we comply with these very three conditions that recorded the experience, and points and what was there , the second third was lyudmila this is your yes seniority points achievement pensioners. so. uh, pension indexation. and what is it like? this is when it is and who is the initiator, as a rule of the state, depending on what, when indexation takes place this year, we are waiting for us every year in order, yes, it is written in the constitution of the constitution even but there is an interesting idea, what depends on what pension? you get a different indexation period for the beginning of indexation, yes, for example, a social pension, if i'm not mistaken in april, yes on the first of april, insurance pensions, which are most the population gets indexed from january 1st.

and earlier from february 1. yes, indexed recently, we don’t need it easier. yes, no one needs to go anywhere to the pension fund. everything happens automatically. the only thing, sometimes i’ll say it for viewers, because there are questions, for example, they have heard now yes, what pensions were tested at 4.8%. they receive a pension and see that there is not even 4.8% and why does this happen less? this happens when the pension is small and they receive a regional allowance for the pension itself indexed, but this did not affect the overall size. yes, it can also be the same for the total amount of pension, as large as, for example, in moscow or comparable and no 4.8 for everything that is called. what are you talking about ? to improve

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antibiotics most of our television viewers, well, for me for everyone approaching retirement age? you know, i’ll say a very strange thing now, probably, for everyone this is digitalization. the fact is that now in the personal account, which we talked about today, you can already see it for pre-pensioners. yes, such an option is possible, you can see. what is the size of the pension? you will approximately be eligible and about 10 years before the official retirement age such information is provided. that's why it positively, because you have 10 years to participate in some kind of voluntary funded programs. the fact is that if you think that the amount of the pension that the state has calculated for you is absolutely right. and in all countries no one where i invest or where? i stack the opportunity to make a decision. uh-huh where do you want to invest? you

have several options, probably the easiest option is the easiest option is to go put money in her state pension fund. why because you can bring in? some monthly amount. well, let's say, there, in my opinion, the minimum contribution starts from 2,500 rubles. a month and forget about any investment strategies at all. about something else. no, you can't forget. they are insured by the state. it is not statehood, but insured citizens. yes. let's do this for the most careful accurate state structures exist, where can i take this money 10 years before the onset, they just don't, just don't. it's that, the bank also can not guarantee is also not bad. yes option, therefore it is an unlimited limit, a limit on the amount to guarantee the state of my savings. outside the state pension fund there or not. i didn't understand your

question. it's like a bank. yes, 400 million. yes , more, yes, no, no, here they are in the bank in the state of medicine. no, i still agree lyudmila i'm sorry. it doesn't all depend on that, but now, this year, as i said, we have such quite serious ones. yes, changes are coming. well, so far nothing that the funded part of the pension will be privatized. remember at the start he himself said so, depending on what happens to our obligatory funded part. the guarantee actually depends on this, because now the system of compulsory pension insurance is concerned. until this happens, this, uh, privatization is indeed correct, lyudmila says, we now do not have any state restrictions. that is, if something happens to those in the pension fund from whom you contributed money, uh, then the

state is obliged in the amount of contributions made . yes, you will be provided with a pension, but if the money is yes, absolutely correct, but if the system is transformed, that is, if it is privatized here, this part is privatized, i already attribute it to non-state pension funds. who brought them in? the fact is that these people remember, you said that pensioners are thrown there, and in the past you threw all sorts of leaflets at the management companies of the state pension fund. and why did this happen? because the man had a choice. they could save their part to leave the retirement age and so on. company the second option is to transfer your funded part to a non-state pension fund of your choice and the third option. you had - this is the translation of this part, the management company privatized who will be the whole story. if it's a private business. it will be privatized by you. that is, now we have some owners of the funded part,

that is, it will be your private funded part. you do what you want, you and it's your money, you can have it, well, god forbid something. yes, it happens to man. you can send them to inheritance. they can be given to someone. you can manage them now only at that moment if you have never received a pension, if you have received a pension at least once , that is, this is what you want. now this is not privatized. this is who these companies have or i don’t understand the meaning of freedom in managing your pension savings is less now freedom such freedom will be more non-state pension. you can still transfer money to individual investment accounts with insurance companies buy a life insurance product and, uh, that 's just the guarantee system, if now the guarantee system is in place for the full premium, then when they are privatized, that is, the guarantee system will be only twice as high as in the banking system. that is,

now the banking system is 1.4. we will have up to a million rubles 2.8. well, at least what will now take the money. if god forbid something happens to the phones. now we have a cumulative part that states happened people who 2.2 trillion rubles. this is the money that is now in the state, and how much is the funded part. we’re just wondering for the prices, it turns out four trillion is in the states and two trillion courts are excellent, but i wanted to add a little to yulia . you can get information, but i wanted since you say youth looks. here the youth, having bought what you say or having received a diploma, they should already think about their issue and pensions, because 10 years is too short. that is, according to the

calculations, i can tell you, right? i calculated it purely mathematically, for example, if you want, depending on what kind of allowance you want to receive in retirement, write down the viewers directly too. so you came to the bank, for example, at the age of 30 and deposited 50,000 into your account. if you add five or whatever you think 10,000 rubles every month for 30 years. optimistic? yes, who at the exit, if everything is here, yes, we believe that everything will be preserved everything, yes, how does it work? how even e yield works. i do not even pawned. i mortgaged without income at all, because i really like you and i. we will add lyudmila, continue i am without income. we are waiting for this number. so 30 years. for 30 years people have put in 50,000 every month, we put in 10 when you retire. if you have 6 million in your account, then you can add 20,000 to your monthly pension. this is

the first option. this is what i need to spend to live past retirement age. live to be 25 years old, yes, russia yes, 20,000 times 12 every month is 240,240 - how many years? i have to live and 6 million. enough. how many for 10 for 20 for more than 20 years, and for almost 30 years, if we take the average salary as a minimum, such a median of 50,000, yes. uh, the one, as they do in the west, when we talk, here they are i don't see. i read today. what are you so yes that the median is approaching approaching 50.000. so, if you don’t have such a salary, and you want to act, for example, i don’t know how they act there in the west, when each person independently pays monthly for a

pension. let's assume that take five percent such 5% this is 2.500. if you are in for 40 years you will monthly save 2,500 rubles. and again, did not take profitability. why because, it seems to me, in our conditions, to consider profitability as mortgage? well, yes, let's say even 5%, if we put in there we have to uh. hmm by the age of sixty, uh, there will be, uh, a million. uh, 400 somewhere. yes, 1,400, respectively, if we divide this million four hundred by 20 years, then this is 70,000 / 12 months annually. well, in general, approximately here are five with something thousand mystic to compound interest. when now begins earlier in the sense that we do not we consider profitability, because then we are obliged to consider inflation for such a long time. of course, we understand that money. make

the assumption that profitability, although these are not things. yes now we have some kind of inflation there 12-14. yes, there will probably be some losses, but in any case, it will be 5,000 for retirement. and i will add that there is such a thing as a tax deduction, which is also not state-owned when participating in the program. yes, some kind of savings, in particular through pension funds. they are state. do you have tax deduction, for example, now amounts to a maximum of 15.600. that is, it is 13% with a base of 120,000 rubles. per month, if you put money into an individual government fund investment account. yes, that is now shed this way or that, i have a new deduction. for what amount of 15.600 maximum per year, that is, if you have, uh, pay taxes, then i have the state and it is important to return this annually. yes? i have

to work to pay taxes as much as possible, right? well , well, how much are you 15,000, if this is 10,000 a year, just what lyudmila said this is her example, that is, in addition to the fact that you will have some. well, let's just say the profitability, yes, your savings in the end. uh, you still have the ability to maximize, yes, your current income through a tax deduction . well, why can't i just open a bank account? and replenish like this, please, what's the difference, how it's limited, because one million four hundred now, yes, what we know, uh, the bank limit is a few . several banks can be. why? is this also an alternative? here you can buy different real estate, firstly, there is no tax deduction in banks. this is the first. e, the second e we will say 15.000. well, it will probably increase. there are, uh, plans for 2023 to make this base equal to four hundred thousand rubles, a tax deduction. here, if the base will be

increased to 14.000. 2.000 then it's interesting, and then it's an opportunity, e. inheritance of the accumulated amount. yes, in principle, in a bank , too, it is probably possible that your heirs can withdraw this money. i'm trying to show you with your help. naturally, as experts, but because i immediately arises question. well, how is it, as they say, the great, russian people. why azerbaijan? yes, that is, why do i need these non-state pension funds, when i can, but save up in a bottle under the mattress in a jar called three-liter and in a bank in a bank called an ordinary bank, yes, include tax deductions there, what else and when reaching retirement age. you can choose, uh, the option of receiving a lifetime pension and theoretically you can receive more than you have accumulated. that is, if you withdraw money from a bank

bills, then how much you have, yes, how much you withdraw, and here, at the onset of retirement age, if you live longer than expected, yes, the mortgaged base is connected. yes, i want to live longer by the age of survival, and every month you receive an additional conspiracy pension of yours. if you have already used all this, you will still continue to pay this amount, the bank will not pay more than yes. and tell me, please, there is no such surcharge for experiencing. that is, i lived through the life you would not say, mish no, nothing yet see as much as you want. no it is, because we have even now in compulsory pension insurance. uh, retired citizens. having reached the age of eight. they get yes insurance part. 7 70 no, i asked, i don't

have to pay anything extra. i will pay extra no, i myself do not have to pay for what i have experienced. it was a joke to pay extra double, that is, seven times the insurance. let's start with the insurance pension. it consists of two parts. fixed part yes fixed uh what 's it called and plus no and plus this insurance is just a part of the insurance payment, from which well, it is fixed for everyone the same door. can i say, look at your salary, citizens. calculate the formula for your pension, what he said, then my dear concerns. yes, yes, i can finish. yes , finished. uh, in general, what lyudmila said , uh, she correctly said that it is valid from the age of 80. your insurance pension will increase, but i just want to add a little lyudmila. let's put it this way, what she made clear to us, uh, will increase will increase first of all

fixed part of the pension. that is, this is a fixed network. there and a half thousand three times 7.775. how many thousands will it take twice? yes, just a formula for calculating a pension, what did everyone understand? yes, here is your insurance pension. this is your guaranteed guaranteed fixed part. independent of your salary, yes, plus that number of uh points is the cost of the retirement ball. yes, this is already the full amount of the insurance pension, that is, this insurance pension includes what you earn and the guaranteed part is fixed the part that is paid to absolutely all pensioners. actually. the most important thesis. yes, he is always the only one. uh, salvation, drowning people are the work of the drowning people themselves, that is, you need to think about yourself, you know, like here, again resorting to the great russian.