ПЕНСИЯ 2025-НОВАЯ ФОРМУЛА.Пенсионная реформа,баллы,базовая и страховая-просто по-шагово.

Introduction

This tutorial provides a detailed, step-by-step guide on the new pension reform set to take effect in 2025. It covers the concepts of pension points, basic pensions, and insurance pensions in a straightforward manner, making it easy to understand how these elements will impact your retirement planning.

Step 1: Understand the Pension Reform Changes

• Familiarize yourself with the key components of the pension reform that will be implemented in 2025.
• The reform introduces a new formula for calculating pensions based on points.
• Key terms to know:
  • Pension Points: A system used to quantify an individual's contributions to the pension system.
  • Basic Pension: A guaranteed minimum pension amount.
  • Insurance Pension: A pension based on the individual's earnings and contributions.

Step 2: Calculate Your Pension Points

• To estimate your future pension, calculate the total number of pension points you have accumulated.
• Follow these steps:
  1. Gather your employment history and contribution records.
  2. Determine the number of points earned for each year of contributions.
     • Generally, 1 point is awarded for a certain amount of contributions.
  3. Sum all the points from your working years to get your total.

Step 3: Determine Your Basic Pension

• The basic pension is a fixed amount provided by the state.
• Check the current rate for the basic pension, as it may change annually.
• Assess your eligibility:
  • Ensure you meet the minimum contribution requirements.
  • Verify age and residency criteria.

Step 4: Calculate Your Insurance Pension

• Your insurance pension is influenced by your earnings and contributions.
• To compute this:
  1. Use the formula provided by the pension authority, which typically involves your average salary and total points.
  2. Adjust for any caps or limits set by the pension reform.
  3. Example formula (hypothetical):

     Insurance Pension = Average Salary x Pension Points x Coefficient
     

Step 5: Stay Informed on Future Changes

• Keep up with any updates regarding pension reforms and regulations.
• Attend informational sessions or workshops offered by pension authorities.
• Regularly review your contribution records to ensure accuracy.

Conclusion

Understanding the new pension formula and how to calculate your pension points, basic pension, and insurance pension is crucial for effective retirement planning. As you prepare for the 2025 reforms, ensure you stay informed about changes and regularly assess your contributions. Consider consulting with a financial advisor for personalized advice tailored to your specific situation.