dozens of neymar are in the brazilian national team, you can say a cool footballer in france, but yes, yes, yes, yes, yes, again. well, it's a ticket, although very good very good certainly. but this is the most important number in brazilian football russians actually, you know, it struck me 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 to cristiano, that is, ah, a little earlier, they again recalled the blood with incredible tricks. he did it all. everything that you say, that you did everything, and already did such a very stunned, very interesting, yes, who did not drink in quality, and then messi, yes, yes.

in e-epel, this is the moment when he did not score in the world championship of the seventieth year, they play with uruguay , remember, got it passes on the saw , dastau passes on the saw, yes, and two moments in this match one shot and the other. yes, this is correct. it's a brilliant moment when the fat man makes a paz forward. yes, on pele, the high one runs out on pele and on the ball saw. this is how the mazurkiewicz runs. this is how the ball goes does. thus he runs past the mazurkevich, and we imagine the sword and the mazurkevich, stunner. he does not understand what is happening at all, so where, because he runs around pele, the ball goes even further, he runs around mazurkiewicz, catches up with the ball, and in the fall he takes it into the far corner. give me 5 cm, probably, this is this this is, of course,

a castle. here, don’t be smart, not at ronaldo, not ukroy , i didn’t see this, but i didn’t see it, and i watched a lot of the batch. i really hope that after our podcast people will go looking for pele's matches and see what he was like. look, really. now now it can be found, from this it can be obtained there will show. it's a ticket decided by cyril which alexander thank you very much? 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 visiting us, two experts - this is yulia finogenova, professor of the department state municipal financial and economic university named after plekhanov and lyudmila ivanova shvets associate professor of the department of the chamber of commerce and industry of the russian federation development of the rural capital of this zhreo and not parikhanov. hello ladies. hello julia hello lyudmila and we , uh, 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, in order to catch on for something, 23 years is a suitable introduction. that is, some innovation. what 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 united there was difficult, uh, for whom it's good state. 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 resources from administration. well, it seems to me that for pensioners this is not bad, because it will all be, in principle, a one -stop shop, because there will be no functions, of course, functions. no, they also combined the fraction , because we really have a lot of older people here . well, and all those who receive, maybe some kind of social pension payments. uh, they used to have to contact their pension fund. absolutely what let's immediately decide before, uh, the official pre-retirement age 5 years before retirement

now. it's hard to say how much because we now have a phased retirement, so 5 years before retirement 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 see what it is to accumulate a funded pension - this is a pension that is paid by a pensioner upon reaching retirement age from the savings that he either he did it himself, or the employer did it for him, if he can do it himself. the fact is that the russian system provides for two options for the formation of pension savings. the first option is a job that made contributions until 2015. as you know, yes. salary of 6%. and this money went, just for the formation of pension savings, a woman

born in 2007 is younger. we have a pension fund deduction of 22% just for the audience, it may not be clear yes 22%. and until the fifteenth year, that julia said 16% went to the insurance pension, and 6% to 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 e-pensioners upon the onset, of course, of the retirement age from a common pool. well, here's the work date making contributions to the pension fund. yes, and this pension fund spends money on the current most 16% yes, it is also called the distribution system, because first it is accumulated and then distributed, and system. it does not assume that these contributions that will be made, either the worker is in the system of mandatory pension insurance, or he himself will do it on his own individual account.

come on, he can save it on his own in the non-state pension system, and it’s not supposed that this money will be spent on anything else. in addition to his own pension at the onset of retirement age, such freezing is a very interesting moment that, for example, we receive an insurance pension with you upon reaching the 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 savings were made there and say what i want receive a funded portion. this is not a government pension fund. he himself informs those who are already old, here is the old pension already, huh? when he comes, he usually

informs them himself that you have the opportunity 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, our viewers. look at the employee who works for the company. and if a company has a corporate pension program, as a rule, there are several options for such and such programs. well, for example, uh workers individually. some percentage can be deducted there, uh, joint and several, where we deduct both the employee and the employer. that's so much and so on, that you have to be a good worker to be offered a job to give participation. let's get the corporate program for now. let's focus on the ordinary through the viewer yes of the average small city in our country, which does not have any corporate programs. what was the first thing he encountered? it would be better to understand this when we have was statehood. some huge number of non-state

pension funds appeared, and everyone was campaigned to transport money in them. here are those who did it. i came just about the same funded pension, which, of course, 16% is unshakable. this is 6%, we have indicated with you, that is, 16.6 are coming, and you might not even know your work in theory what to work for you or deducts 6% if you are sixty -seventh and younger yes of birth, and the employer is for you allocated 22% to the pension fund of which 16% went to payments to current pensioners, and six were postponed specifically to 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 the cumulative system was frozen, 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% that the employer is now paying to the pension fund. they go entirely to finance current pensioners. that is, you can retire everything on an insurance pension. yes, here is your individual savings account, it has not been replenished since 2015, but this does not mean that the money is depreciating. why because they need to invest the more. and the further money is invested money. we must invest first of all to you as a pensioner, because you are interested in that by the time of retirement your account is individual, it is not reset to zero. let's just say, yes or not decreased. come on, you know, like, uh, there were a lot of innovations. still, everyone is interested in what is here and now, yes, what else has changed since the twenty-third year has already changed or is planning to change in this year, for example. the same experience. 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 definition of receiving concept insurance pension. now, since 2020 , the fourth year, there have been 15. yes, yes, this is the fourteenth year, a very interesting year 23. so the minimum experience is 15 years 15 years - this includes education or not. see the three conditions for retirement, respect through the audience three conditions. so i really like it when the numbers are like this. the first thing is, uh, the presence of the necessary experience. here is what julia said 15 years old, today 15 years of training there in different ways, this is included somewhere it is not included. uh, serving in the military includes taking care of a child. there are just different pension points, but nonetheless

less. yes, for e tv viewers i wanted to say a very important thing, they ask a lot of questions. i have a continuous experience of such a concept now as a continuous experience. no, he is no way. it does not affect the amount of the pension in any way. 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, they will not retire in the third year only those who can retire early on benefits, for example, for harmfully difficult working conditions, can go out to the insurance pension. here is the transitional age. now we have the same age since the eighteenth year. there every six months it is added, so now women will retire from the age of 24. walk u 1900,

in my opinion, 64 years of birth and men of the sixty-first year of birth, because uh, while the transition is 3 years old, the pensioner will not be able to retire. please note that, if you do not have the opportunity to go out earlier yes, a preferential category, if you do not treat them does not apply to the majority, yes to the population, then in 2020. he's so very interesting because he's a year of jumping. yes, through the possibility of getting out on your feet. well, the third one. yes, the third condition. these are accumulated retirement points. what it is? uh, it's a retirement point or retirement content cents is the same as retirement. and that's it. yes. this means every employee who receives a salary and for whom the employer makes contributions to the pension fund. and these amounts are converted into pension coefficients, and the minimum, of course,

maximum, but even if you have a very high salary, then the maximum is the maximum number of points that you can earn per year and this is 10 parts 10 points, yes, and then these points are converted into a certain amount of point value, point value, every year the ministry of finance claims, based on the indexation of inflation e, 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 of the pension coefficient right away. and probably, a kyudika, when you are all the same associate professor, you should be close to this. you know, like in 196, where you can read. 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 the car. now, it turns out, there are also various departments there. and in particular. yes, in a personal cabin for public services and something, and there is a detailed description. pound here, when you came in, i may not be a pensioner. yes, it's understandable to read, where is it, where is it, let's say, viewers. there is no paper at hand right now. although this is incorrect, the number of materials is on the website of the same pension fund of the russian federation.ru. what is fss rf.ru? excellent three rules in order to receive a pension, we said this experience is the achievement of age and points. yes, 30 points minimum should not be, do i have them? or i have no experience. if one of these is missing all conditions. and for money, but there is one moment

, you can buy half 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 quite and a half right, but uh 46.000 is approximately worth one and one point. well, about 300,000. and i'm doing well with the experience, even if i'm 15 years old. 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 this. you have to think ahead. uh, about monitoring 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 a pension, then thought.

what a small pension i have, come on, i’ll buy more, yes, for myself, so that i have it like that, which i go to, unfortunately, this does not provide for this, since we are mainly watched at night by young people, dear tv viewers, young you are preoccupied with the purchase of a diploma, immediately buy yourself an experience, immediately buy it and that's it. know when please give the entire price list. how serious are you, this is serious, because we now have 6 million self-employed, their busiest question is self-employed, what is the money with them ip ip. yes, there are there, there are different ones who worked their own mp, i have the right to retire or not, it’s not a fact that you have a look. you know, it's probably a field anyway, you'll be together. that's enough. here, we can get confused here different, eat, we won't talk, but there you can check it, and in the site, again, the fiu paid or you yourself paid contributions to the pension fund. there i know whether i

paid or not. if you know you paid, then all is well, but if you didn't , then as a self-employed person you only have 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 your pension the minimum that you need to deduct in the twenty-second year, in my opinion, 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, but under 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 for

men. 10 years social pension minimum insurance pension average insurance pension now, uh, well, i'm 18 here 18, 72 readings so we're going, if you see these readings on the pension fund website, maybe one amount, but there is a slightly different amount on the rosstat website, because they calculate according to 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 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 achievement points, pensioners. of course, yes, yes, yes, yes. what about 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 or it somehow happens every year in order, yes, it is spelled out in the constitution of the constitution even but what an idea there is an interesting idea , that depending on which pension? you get a different indexation period for the start of indexation, yes, for example, a social pension, if i'm not mistaken in april, yes, from the first of april a taxi insurance pensions, which most of the population receives, are indexed on january 1. and earlier from february 1. yes, they indexed it , but recently we did it for this, we don’t need an easy one. no, no one. no need 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 supplement; the pension itself is indexed, but this did not affect the overall amount. 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 is considered positive news, thanks to which the amount of pension e for most of our viewers can change. well, for me, for anyone 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's positive, because you have 10 years to participate in some kind of voluntary funded programs. the fact is that if you think that this is the size of the pension, which you counted the state is not enough, as always, it happens quite 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 to go and put money in her state pension fund. why because you can contribute? 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 yet there is something to forget. they are insured by the state. this is not

statehood, but insured. let's do so for the most careful accurate state structures exist, where can i take this money 10 years before the onset and only not. only no. it that, bank too it is impossible. yes, the warranty is also good. yes, an option, so it is an unlimited limit, a limit on the amount to guarantee the state of my savings. outside the states pension fund is there or not. i understood your question. it's like a bank. yes, 400 million. yes, more , yes, no, no, there is one in the bank. they are in the state. no. i still agree lyudmila i apologize. the fact is that everything depends on what, but now this year we have, as i said, quite serious ones. yes, change is coming. until what? we are talking about the fact that the funded part of the pension will be privatized. remember, at

the beginning, i myself said that yes, yes , depending on what happens to our obligatory funded part , the guarantee actually depends on this, because now with respect to the system of compulsory pension insurance. until this happens, this is privatization, indeed lyudmila is right, she says, we now have no state of any restrictions. that is, if something happens to the pension fund from which you carried money, and then the state is obliged in the amount of contributions made, yes, you should provide a pension, but if yes, yes, yes, but if the system is in place. that is, if this honor is privatized in our country, i will already attribute it to non-state pension funds. by whom they were privatized the fact is that , you see, remember, you said that pensioners are thrown there, and in the past you threw all sorts of leaflets at the management

company of the state pension fund. and why did this happen, because a person had a choice. they could leave their funded part in the pension fund and so on invested, state management companies the second option. transfer your funded part to your chosen, personally, non -state pension fund and the third option you had was the transfer of this part, the management company is privatized who will be the whole story, if it is already a private business, it will be privatized by you. that is, now, that is, we have some owners of the funded part, that is , it will be your private funded part. you, as you wish, you and this is your money, you can have it, well, god forbid something yes, it happens to a person, you can transfer it. they can be, yes, transferred to someone, you can manage them, as now by inheritance only at that moment, if you have never received a pension, if you are at least one once received a pension now this is it is not

privatized. it's who these companies have or i don't understand the meaning of the word freedom in managing your pension savings less. now with the privatization of such freedom, there will be more effs of non-state pension funds, you can still transfer money to individual investment accounts, insurance companies to purchase a life insurance product and, uh, that’s just the guarantee system, if now the guarantee system is valid for the full contribution, then when they will be privatized that is, the guarantee system will be twice as high as in the banking system. that is , now the banking system is 1.4. we will have two and eight million rubles correctly. well, at least the fact that now where the state will have money. if god forbid something happens to the phones. now we have a cumulative part, which the state has come to people, which is 2.2 trillion rubles. this is the money that is now in the state, and just how much is the funded part we are just interested in for a price of 6 4 trillion, approximately four trillion

is in between states and two trillion states is excellent, but i wanted, uh, to supplement yulia a little, not even to supplement, but to explain to the viewers, yulia said in 10 years. here for 10 years. you can get information, but i wanted to say young people are watching us. here is the youth having bought, as he says , or having received a diploma. they should already be thinking. the question was stolen from me, because 10 years is very short, that is, according to calculations, and he told you, yes, that’s purely mathematical , for example , if you want, depending on what kind of allowance you want to receive on pensions, right, too, right? the viewers are recording. 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 didn't even deposit. i pawned in general incomelessness, because i really like it. we will add lyudmila continue side figures i without profitability. we looking forward to this number. so, for 30 years we have put in 50,000 and every month we put in 10 at your retirement. if you have six million in your account, then you can add 20,000 every month. this is the first option. i need it to spend them to live after retirement. the age of survival, monthly multiplied by 12 is 240 240 - how many years? i have to live and 6 million is enough for me. how much 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, then how they do in the west, when we say, here they are the medians, this is the average. if below i read today that you are so yes that the median is 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 contributes monthly to his pension , suppose you take five percent five percent? this is 2.5 thousand if you save 2,500 rubles a month for 40 years. 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 for us to uh hmm by the sixties, 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 thousand with something, but compound interest. when they start very early in the sense that we do not calculate profitability, because then we are obliged to calculate inflation for such a long time, of course we understand that money. the case is the assumption that profitability, although it is not a thing. yes now we have inflation there 12-14. yes, of course, there will probably be some losses, but in any case, it will be 5,000 for retirement. i will also add that there is such a thing as a tax deduction, which is also non-state participation in the program, but some kind of accumulation , in particular, through pension funds. they are state. you also have

a tax deduction, for example, now the maximum amount is 15.600. that is, it is 13% with a base of 120.000 rubles. per month, if you put money into an individual investment account or into a state or pension fund. yes, that is, now it will pass like this or, in principle, i have a tax deduction. what is the maximum amount of 15,600 per year, that is, if you work, pay taxes, then the state returns it annually to me, this is important. yes, i have to work to pay taxes as much as possible, right? well, how much are you 15,000, if a year is a year of 10,000, just what lyudmila said. this is her example, that is, in addition to the fact that you will be 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? so, please,

what is the difference? what is it? yes? it should have been better, because one million four hundred is now yes what we know, uh, the limitation of banks is a few . several banks can be. why? is this also an alternative? there are different ones you can buy real estate, firstly, there is no tax deduction in banks, this is the first, and the second e 15.000. well, it will probably increase. there are, uh, plans in 2023 to make this base equal to four thousand rubles, a tax deduction. here, if the base will be increased to 4.000. 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 the question immediately arises for me. well, how is it, as

they say, the great, russian people, uh. what for azerbaijan? yes, that is, why do i need these state-owned populated funds, when i can, and save up in a bottle under a mattress in a jar called three-liter and in a bank in banks called ordinary bases, there are tax deductions, what else and when you reach a pension age. you can choose, uh , the option of getting a lifetime pension and theoretically you can get more than you have on. so if you withdraw money from a bank account, how much is there, right? how much do you rent, and here at the onset of retirement age, if you live longer expected, yes, the laid base. yes, if you live on, but i want to live longer, this accumulation is calculated on the age of survival and every month you receive an additional conspiracy pension of yours. but if you have already used all this, you will still continue to pay this amount. yes. and tell me,

please, there is no such surcharge for experiencing. that is, i lived through the life you would not say, mish is not, you still see nothing, as much as you want, because we even now have compulsory pension insurance. uh, retired citizens. reach eight. vasily years. they get a double guaranteed yes insurance part, uh, seven 700-77. no, no, i asked, i don't have to pay extra. i will be paid. you don't have to pay for what i'm going through. it was a joke, you know, i just want to say double, that is, there are seven times the insurance. let's start with your insurance pension. it consists of two parts. fixed part yes fixed uh what is it called and plus

no plus. eh, this is the insurance just part of the insurance payment, from which well, it is fixed for everyone the same door. can i say, look, it depends on your salary. do not calculate the formula for your pension. so, dear touches. yes, yes, can i finish yes, finished? uh, in general , what lyudmila uh said, she correctly said that, indeed, from the age of 80 your insurance pension will increase, but i just want to add a little lyudmila uh. let's put it this way, what she made clear to us, uh, the fixed part of the pension will increase, first of all. that is, this is a fixed series there with a half thousand 7.775.000 twice. yes, well, almost 15 is just a formula for calculating a pension, what did everyone understand? yes, here is your insurance pension. this is your guaranteed fixed. part of your salary plus this