Research (Investicniweb.cz)
Markets  |  December 04, 2012 14:39:40

Pension reform: Article for five million readers



Czechs love their state-supported products. I am referring to two specific, and building savings and pension insurance with a state contribution. Building savings in the Czech Republic since 1993, offers a pension since 1994. Building savings have gradually reduced the annual state aid from 4500 CZK to 2000 CZK current and lengthen the time savings of 5 to 6 years. Changed and supplementary pensions - old contract allows saving only 50 years old. A milestone for "penzijko" but was Friday, the 30th November 2012.

To this day, it was possible to conclude a contract, which offered participants friendlier terms than contracts that are entered into after that date. What is it?

Pension schemes closed by the end of November 2012 has the following parameters:

  • guarantee non-negative annual yield, the yield of the deposit may not be negative;

  • choice of up to half of the funds after 15 years of saving, it is a so-called retirement pension;

  • Time savings up to 60 years and 60 months participant contributions.

From 1994 to conclude a pension scheme and use the drawing state contribution, a contribution from the employer or tax advantages. Number of pension scheme at 30 September 2012 according to the Ministry of Finance was 4707 425th Due to the media campaign and activity advisers in recent months to the high increase in the number of contracts concluded. The media witty advertising penzičku, pension funds stirred into their internal and external distribution channels, online brokers advised that at the conclusion of contracts is high time. All supported interested in this product.Advertising simply worked and pension funds reach undecided and wavering. The counters were busy and probably will not be far from the truth when you guess the number of pension scheme for at least five million.

Therefore, the following lines are dedicated to all who are already participants in pension and saves you the so-called third pillar. In 2013, because there are changes that affect the 5 million subscribers.

Contracts concluded under the new rules will have different parameters:

  • guarantee non-negative annual yield, the yield of the deposit may not be negative - APPLY;

  • choice of up to half of the funds after 15 years of saving, it is the so-called early-retirement pension - APPLY;

  • Time savings up to 60 years and 60 months participant contributions - pays, but will be saving up to retirement.

Changes in the amount of the state contribution

This year, the contribution to the state pension entitlement participant who sent monthly to the fund at least 100 crowns. From 1 January 2013, this threshold moves to 300 crowns, minimum state contribution can be increased from 50 to 90 crowns.

For those who are sent monthly to the fund less than 600 crowns, the new state contribution calculation less convenient, if you invest more than CZK 600, you'll profit in 2013. Up will become in this way every month added 230 crowns, in the event that the fund send thousand per month or more.

Comparison of state contributions for the years 2012 and 2013

Comparison of state contributions for the years 2012 and 2013

What will n ástupc em pension as the pension reform to build from January 2013   and what the third pillar can be found on the web Investment

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