How to put retirement on your own

Many Russians prefer to rely on the state in the issue of material support not on the state, but to accumulate funds on their own. In the article, we will calculate and consider how to pay retirement yourself.

Today, many Russians in the matter of material support of their old age prefer to rely not on the state, but to accumulate funds on their own. In this article, we will consider the most popular methods of retirement, and also determine how much money is needed for everyone for a comfortable old age.

Within the framework of the recently adopted law on raising the retirement age, it was decided to increase it to 60 years in women and to 65 years in men. If we take into account the average life expectancy in Russia, it turns out that each citizen will be a pensioner for about 18-20 years. Looking at the position of modern pensioners whose pensions do not allow even vital needs to satisfy, many come to the idea of ​​the appropriateness of independent accumulations.

To calculate the amount comfortable for retirement, make a list of the most important expenses, namely:

Food, utilities, medicines, paid medical services, household goods.

Do not forget the columns of unforeseen expenses, a periodic purchase of clothes, shoes. Further, from the resulting table we exclude temporary expenses, such as teaching children or a mortgage.

In our calculations , we will also provide such an important factor as inflation. Due to the fact that its percentage is constantly growing, we add about 30-50% to the amount received and multiply the resulting figure by 240 months (20 years*12 months).

Consider the given calculation scheme for an example. If you need at least 20,000 rubles a month to keep yourself, add 30-50% of inflation to them, receiving 26000-30000 rubles. We multiply this amount by 240 months (the average term of the status of a pensioner)-6,240,000-7 200,000 rubles are received. In total, the arithmetic mean will be 6,720,000 rubles - we need to save so much money before retirement.

Naturally, the earlier a person begins to put off for old age, the better . And the less the monthly expected amount will be. So, if you start to save:

From the age of 20 - on average, capital replenishment is required for 12440-14000 rubles per month. From 30 years - 18660-16000 rubles. From 40 years - 22400-28000 rubles. From 50 years old - 37330-56000 rubles.

At the same time, an increase in the total pension capital will be carried out not only due to regular replenishment, but also by capitalization of interest. And a bonus will be the rights to tax benefits proposed when investing money in some investment tools.

Over the years, the amount will grow more and more and profit. The main thing is not to store money "under the pillow", but to figure out what methods you can accumulate pension capital, taking into account your capabilities. We will figure it out further.

Buying real estate.

A classic way to lay a “foundation” for old age is the purchase of an apartment, cottage or land. But it often turns out that the acquired real estate is transferred to children and grandchildren, ceasing to be an investment. Therefore, it is more optimal to take care of the acquisition of two or three real estate objects.

The apartment can be bought at the stage of the pit or at the last stages of construction: commissioning and putting the keys. In the second case, the risks of stopping the construction or bankruptcy of the developer are significantly reduced, but also less profit from investments.

According to experts, when using mortgage lending, it is better to choose offers with the ability to take tax holidays. In this case, the initial contribution is paid, after which you can use a half -year delay, rent an apartment and pay the remaining amount from rental payments.

This option is perfect for those who began to think about pension well -being is too late, because It allows for 10-15 years to accumulate the main part of the required amount.

IIS (individual investment account).

The purchase of shares and bonds through an individual investment account allows you to receive income from 13% per annum. At the same time, the risks of bankrupt or lose funds are minimal . Here you can choose:

Buy state or corporate bonds and make a profit from coupon profitability. To purchase shares, receive dividends from them and earn on growth.

A significant plus of IIS-imputation of a single personal income tax deduction in the amount of 13% of the amount paid.

Financial advisers recommend that most of the money be invested in government bonds due to the fact that the investment in them is more reliable. The rest is in the promotive Russian companies.

Gold.

This precious metal has always been considered a reliable way to invest and safety for a long perspective. Although the gold course periodically fluctuates, over time, the price of gold only grows, and especially during the crisis. You can invest in gold in different ways:

Buying gold coins or ingots.

The difference is that gold bars are more suitable for long -term investment. But many experts agree that it is better to prefer coins for purchase - it is more difficult to fake them. For example, around the world they know what the Cruggherand and Maple Leaf coins look like. Coins can be sold one at a time, while a gold ingot is not subject to separation, and therefore the liquidity of the coins is higher.

Buy shares of "gold" companies.

You can invest in gold by buying shares of gold mining companies through a broker . A broker company must be checked for a license . It will also not be superfluous to read reviews about the Internet. If most customers are satisfied, then you can invest. At the same time, it is worth taking into account the peculiarity - the purchase of such shares is characterized by a higher degree of risk, because their price depends on the results of the company. To make a successful choice, inquire certificates about the historical results of the company’s work, about its reputation and conduct a fundamental analysis.

Investments in Pyths investing in gold.

Investment funds are invested for those who do not risk buying metal in material form, but at the same time want to invest part of the portfolio in gold. The PIF can be invested, in particular, through the Golden Fund of Sberbank, which, in turn, invests in the foreign fund SPDR Gold Trust.

So, we have sorted out some of the most popular methods of independent retirement. Having carefully studied everyone, you can choose the most suitable for preserving and increasing funds, thereby ensuring a stable life at an advanced age.