Mediafax (Mediafax)
Markets  |  November 24, 2012 13:13:46

With less than one week to set up pension under more favorable conditions


PRAGUE (MEDIAFAX) - The acquisition of pension for existing favorable conditions is less than a week. Number of new contracts of pension insurance for the first three quarters of 2012 amounted to 511,000, which is 172,000 more than in the same period of 2011, according to statistics of the Ministry of Finance.

"People understand that pension reform is primarily an appeal to the need for voluntary pension savings and started accordingly held. Those who still did not have pension, it established or plan to establish because of being able to use existing favorable conditions," says Charles Svoboda, president of the Association of Pension Funds and Chief Executive Officer of PF stability.

He explained that only those who agree to pay pension to 30 November, because they have a warranty of at least zero appreciation (law states that even if markets fall at least you get saved, already declared value and state subsidies) and the possibility of drawing retirement pensions, ie the possibility to choose without any sanction half the amount saved (and save money on). "In order for clients to be able to achieve these benefits, they must physically sign a contract for pension schemes to 30 November 2012," said Svoboda.

Another client reactions to reform the pension funds is increasing monthly contributions to pension schemes. "Most clients increased the 300 crowns to maintain state post, but much of it has increased its monthly contribution of 1000 crowns.The reason for this is to obtain the maximum state contribution of 230 crowns from the New Year, when they begin to apply other conditions, "says Karel Svoboda.

Draws attention to the fact that those who have been saved per month to 500 crowns to reduce state contributions and those who saved 600 crowns a month or more, on the contrary, increased. So far, the state provided the maximum contribution of 150 crowns, now it will be up to 230 crowns. Participants who will be from 1 January 2013 to impose less than 300 crowns, the post will no longer be eligible.

The reason why the existing conditions offer pension lasts until the end of the year, the statutory transition to retirement pension fund companies. Former pension will be automatically transferred to thetransformed Fund and those participants who wish to choose bolder investment strategy will be able to convert your existing savings to other participating funds in the pension scheme.

Pension plans provide the possibility of financial security on retirement age. Retired because it is not necessary to rely solely on the state pension system, which will be according to financial experts in the near future to face serious problems. According to calculations, analysts can present their thirties in 2050 "please" to a pension of 6500 crowns a month. Supplementary insurance people are also able to obtain state contribution.

Jan Soukup, soukupj@mediafax.cz

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