TNBiz (TNBiz)
Pension insurance  |  January 14, 2013 12:57:26

People can enter the second pension pillar. GUIDE reform

Pension reform , which is now beginning to fully accelerate, allows the třípilířovým system. Each pillar is kind of income in retirement. The state wants to get people not to rely only on the first pillar (state pension), but make sure the old and own means.

What individual pillars mean? First pillar pension system is running in the form as we know it now, thus doing a portion of their income on pensions. The second pillar, which will enter into force from 1 January 2013, brings the scene pension companies and the principle of the Republic for putting the first pillar payments to private accounts.The third pillar counts with its own investments and savings of the population and it is an already existing form of pension.

First pillar pension reform

The first pillar (ie state důhcod) will continue to operate as they do now. The state will pay retirees retirement.

People should be aware, however, that it will gradually move the retirement age, which according to the information center governments avoided due to increasing life expectancy. This applies, for example, that people born after 1977 will be their retirement defer each year by two months. To illustrate: childless women born in 1984 would have to retire in 68 years.

Second pillar pension reform

What is the second pillar?

The most discussed and controversial part of the pension reform is the second pillar of the pension reform. It came into force on 1 January and from Wednesday so people can enter into it. This section allows you to take on pension reform of mandatory contributions from the first pillar to private accounts.

Until now, people on pensions shot down 28 percent of gross wages. Newly if you decide to join the second pillar (entry is optional), you will pay only 25 percent of gross wages and the remaining three percent will go to the pension fund of their choice. This, however, will need to add an additional two percent of gross salary.

Who can join the second pillar?

New agreements on pension savings can be closed from 1 January 2013, in fact, but only from 2 January.People over 35 years, but must decide whether to enter the second pillar or not later than 28 June 2013. Agreement on savings in the second pillar of the pension reform can not reach the unemployed, mothers on maternity leave and long Czechs living abroad.

How will the money be paid?

Money from the second pillar can receive either form of life annuities. Additionally, you can receive money in the form of an annuity, but payment requirement is for a minimum of 20 years.

Who pays the second pillar?

It pays to mainly younger vintages, willing to more progressive appreciation of deposits, and more men than women. With them is counting on the fact that they will interrupt their careers with motherhood and live to old age."For women, it is better to first pillar," mentioned Ondřej Schneider, a researcher at the think tank IDEA.

If you are deciding whether to join or not to join the second pillar of the pension reform, think all the math.

For some people it is advantageous to save his own way, to enter into the third pillar. Although man in his thirties with a gross wage of 25,000 crowns was given for participation in the second pillar of the reform (balanced fund with a yield of 3.5 percent) for 1,017 crowns more, far higher pension would have had them to save himself without help from the state. In the event that 500 crowns invested instead in the second pillar on your savings, at retirement would receive 14,135 crowns, which is about 529 crowns more than in the second pillar. Even more significant savings would own man earned higher incomes than 25,000. Similarly, self worth saving and forty years of men, there would be earned on their own savings. Higher income you receive, even if you come from a conservative income funds (1.5%), but there are differences a bit smaller.

Third pillar pension reform

From 1 January 2013 will change pension system, which is considered as the third pillar of the pension reform. Changes to motivate people to a higher state contribution to greater savings and permit a change of contract various forms of investment funds. In practice, this means that it changes the amount of state aid.

Addition editors:
Further details can be found in the Manual of pension reformpossibly also in Counselling pension reform.

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Lidé mohou vstoupit do druhého důchodového pilíře. PRŮVODCE reformou (5)

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