Vladimír Urbánek (Kurzy.cz)
Pension insurance  |  January 30, 2013 13:14:52

To the second pillar came from the beginning of January 4624 people


Pension companies closed from early January 4624 contracts with people who have decided to join the second pillar. Figure is based on information from all pension companies on the Czech market. In the second half of January swelling up the number of contracts more rapidly than at the beginning of the month. Closed pension contracts sent to the Central Register of contracts, which is starting to record. Experience vendors and telecom operators pension companies but show that people lack basic information about the Czech pension reform.

"The beginning of the month was exactly as expected tepid, but gradually the number of contracts increases faster. By mid-January offering II. only pillar pension companies or their parent banks, only in the second half of the month started to gradually register CNB representatives of insurance companies and other intermediaries who sell to begin in February, "says president of the Association of Pension Funds and pension companies CSOB director Karel Svoboda. 'In my opinion, come to the second pillar in the first half at least half a million people, and for the full year will be approximately one million. "

During January pension companies began inviting clients to the first information meeting to II. pillars, each of them already has a few thousand, because people have a great interest in information. "It is important to realize that this is a decision for life, and such decisions are not made at the first meetings. Number of contracts mainly to grow faster in the coming months, "said Svoboda.

MLSA prediction: State pensions will be in 30 years much less

Document of the Ministry of Labour and Social Affairs, entitled Why do we need pension reform, available on the website of the MLSA, shows how the state will be expected in the years to develop state pensions from the first pillar in the case of state efforts to maintain a balanced retirement account:

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Monthly income (CZK)

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30000

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Retirement today

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7,674

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7,674

Pension

 

15000

22000

9,477

10693

11962

Pension for 30 years (reduced by 30%)

6,634

8,373

Pension for 30 years at the emphasis of social funds (all the same)

7,674

7,674

Source: MLSAhttp://www.mpsv.cz/files/clanky/10630/Proc_potrebujeme_duchodovou_reformu.pdf

The table shows that state pensions will decline rapidly. "Including the expected price increases over the next thirty years, we can say that the real value of state pensions will be in 30 years was approximately half that today. If people only rely on the state pension, will be left to cry their eyes. Unfavorable development of public pensions can also become a source of tension between young and old, "says Karel Svoboda.

Vendors pension companies recorded most frequently asked questions:

FirstWhen I have a third pillar, can I have a second? I do not understand ...

Second                        I tried online calculator and it comes out very much, so why would at II. pillars admitted?

Third                        What happens to the pensions paid by the state?

4th                        What if I lose my job? Everywhere it is said that from II. pillars is not never heard.

5th                        What about self-employed?

Brief answers to frequently asked questions:

When I have a third pillar, can I have a second?

The second and third pillars are complementary, each works on a slightly different principle. In the third pillar pension saving for approximately 90% of the economically active population, some receive contributions from employers and the amount of state aid depends on how much you save every month.

In the second pillar saving everyone equally. You save 2% of gross wages and own these two percentages will receive 3% from the state. For ease of example: A person who has a gross salary of 25,000 crowns, gives of their salaries every month 500 crowns to the second pillar and the five hundred extra each month will receive an additional 750 crowns from the state. Overall, so for their own retirement saving 1,250 crowns each month, but was forced to invest only five hundred of his.


I tried different calculators on the web, it comes out very similarly, why would I to II. pillars admitted?

We encourage all to use a calculator on the official site of the MLSA. And she has but one drawback. It is very practical and handy, but unfortunately does not reflect the above described reduction of public pensions from the first pillar, and assumes that pensions will remain at the current level in the future. With some exaggeration, one can say that the calculator is oblivious to the fact that the population is aging.When you count on this calculator, if you second or third pillar worth note, that the pension from the first pillar will be approximately half compared to what will be shown calculator. So ultimately no difference in practice of hundred crowns, but in the order of several thousand.

What if I lose my job? Everywhere it is said that from II. pillars can never get off.

To the second pillar saving every 2% of their gross salary and 3% of the added cost. The moment a person comes to work, receives no salary and gross pay no social insurance at the time it pays for him to become.So if someone loses a job, it automatically moves from the second pillar to the first, and once again finds the work will continue in savings in the second. pillars. The same applies to need maternity and parental leave.

What about self-employed?

If the participant retirement savings will become self-employed (SEP), it will reduce the rate of compulsory insurance for state pension insurance from 29.2% to 26.2% (calculated from the basis for calculating the pension insurance premiums and contributions to the state employment policy). The self-employed can therefore reduce the advance payment of premiums to the state pension, paid by the Social Security Administration, from the month in which it became a party to retirement savings.

To 3%, which is therefore not obliged to continue paying the state pension insurance, add 2% of the self from its own resources, and that 5% will send a payment to their pension savings.

Ondřej Kubala

spokesperson for the Association of Pension Funds

 

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