More than 80,000 rubles a month - this is how you should have a pension

2024 Author: Seth Attwood | [email protected]. Last modified: 2023-12-16 15:55

If you sit down and calculate how much money is deducted from each salary while a person works and how much he should return later in the form of pensions, it turns out that a Russian pensioner could live no worse than a German one. So why doesn't he live?

The average pension in Russia last year amounted to 13,620 rubles, which is several times less than the polished, flourishing, smiling and actively traveling Western pensioners receive. In Germany, for example, the average pension is now 1,250 euros or 85,325 rubles. The difference is almost 6, 3 times. Are these "scissors" fair? Race driver and radio presenter Nikita Nebylitskiy tried to independently calculate how much a person is "ripped" from his salary over the years of his labor activity and to what extent he should, in theory, return to old age in the form of pensions.

“Not for the sake of self-interest, but to satisfy curiosity for, - he writes. - I think that no one would think to argue with the fact that from the wages of almost any citizen of the Russian Federation, 22% of the wages of a worker is transferred to our Pension Fund of all pension funds in Russia. Yes, yes, yes, I am aware that only sixteen are transferred to the most retirement pension of all pension - this is the insurance part, and the remaining six are funded. I know. Essentially, this does not change, all one list is 22%. And yes, I am aware that IT has less deductions, while workers in hazardous industries have more.

Everyone, or almost everyone, knows that there is no state pension in China, and there is no state pension fund either. That fills the heart of every Russian person with pleasant and legitimate pride. Rather, it is, but not for everyone.

So let's try to count. Let's say that tomorrow, pension contributions were canceled, and that 22% was added to wages. Like monetized pension. And let's just say that we are twenty-year-old boys, passionate and ardent. In the country, according to statistics, the average salary in 2017 was 36,746 rubles per month. 22% of this amount is 8084 rubles per month or 97,009 rubles per year. And so we take and carry this amount of money to our native and reliable state savings bank. And we put it on a deposit at 5.58% per annum. He is there now. Then we work for a year and again carry 8084 rubles to our native savings bank. And so for forty years in a row. Between twenty and sixty years old. At the exit, in 2058, we retire and start spending what we have acquired. So this acquired, we have by that time formed 8,533,731 rubles and 83 kopecks.

Those who do not believe can check using the deposit calculator, of which there is no number on the Internet. So, we are sixty, the average life expectancy in the Russian Federation is 70.9 years, so we need to live on the available amount of 130.2 months. It would seem that this is 65,543 rubles and 24 kopecks per month. But no. Because when, during the first year, we take away our legitimate 786,518 rubles 98 kopecks, the remainder will increase by 5.58% per annum. And the rest of that we will have 7,747,212 rubles 85 kopecks. And exactly 432,294 rubles and 47 kopecks will grow to them. Further, using a rather complicated calculation to receive an annuity payment for the entire time that we are going to live out in retirement, and this, I recall, 130.2 months, the average amount of pension payments we receive to ourselves will be 83 555 rubles 26 kopecks.

Now let's compare with the average pension in Russia in 2017. 13 700. In total, it turns out that the Pension Fund of Russia will pay us 6, 09 times less pension than we would have paid it to ourselves simply by putting the same 22% of salary on a deposit in Sberbank.

Tell me, how is it that in Moscow the average pension is 19,000 rubles! And you are right. Oh, how right you are … But. The average salary in Moscow, according to Rosstat, is 91,886 rubles, hence the monthly payment from such a salary is 20,214.92. And the amount after those forty years of work experience will be 21,338,579 rubles 94 kopecks. This, I'm embarrassed to say, is 208,929 rubles 64 kopecks per month. Or ten point nine times the average pension. So Muscovites are cheated better than others.

You say ha! In forty years, the average pension will grow. Yes. No doubt, it will grow up. Moreover, if we take the average rate of its growth from 2012 according to the forecast of the Government of the Russian Federation by 2020, and then draw up the proportion until 2058, just forty years from today. It will grow to 25,580 rubles. I just ask you not to forget that along with the pension, the average salaries and deductions from them will grow. So the proportion will be maintained. Ha-ha, you say, but my grandfather lived to be 82, not seventy, and then my savings will not be enough for me. I will answer you that, firstly, the average life span of men in the Russian Federation is 65.4 years, and secondly, if we accumulate earlier, then our pension is ales kaput, but the savings will remain for his wife and children, and thirdly, pension the age will still increase, from which the period when you are paid a pension will decrease, but the period when your capital will increase, on the contrary, will increase.

Then, proudly dignified, you will utter, but the interest on the deposit may fall !!! I will answer you, it may fall, and it may grow. We've been sitting here for a long time, and we've seen forty percent per annum at Sberbank … So whatever you say, they are making a fool of our brother. Oh, they are making a fool …

“My sister, a financier, has calculated that since 2000 she has paid about 28,000,000 rubles in taxes, of which 18-20 million to the Pension Fund,” writes Anna Basilier. employer - no one pays them out of his own pocket. If they did, then there is a possibility that the election results would be different."

“There are already innovations,” Oleg Veter comments. “Some have not even been given the minimum“insurance”, since last year. this is 7500 (!!!!). And if you want an insurance pension - go on and work for points."

“And what then will the heads of pension funds build their branches and buy yachts?” - Yuri Skrebnev writes.

“The most interesting thing is that the pension from the salary of 30 and 100 thousand differs by 600 rubles,” says Makha Komar.

"Do you want to live like in Norway ?!" - Ilya Belyakov writes.