Consider a pension connection? Two, do not go to the pepce fund, clarify whether it is suitable for vs this product and in what form.
You do not decide to enter into a contract for an additional invitation, whether it is suitable for you.
Step 1: Find out if you meet the conditions
He basically connects me to a person who was 18 years old and lasted to live in the Czech Republic. Pension funds are also accepted by beneficiaries who have lived in the European Union, in which case they must be a member of a pension or public health insurance company in the Czech Republic, explains Miriam Hankov, an analyst at Benefita.
Step 2: Sweat to pay off in m spoen?
You can join the retirement when you are young, but also when you are retired. And for that? Because the pension connection is quite suitable for many people.
Finann advisor Tom Kuera sweat: The old client, who spent 500 crowns for five years, will appreciate his disputes by almost 12 percent. This is without a doubt a good contribution, although due to the volume of naetench pensions it will be a small income.
Mlad ronky must pay more before signing the pension agreement. A classic retirement pension will cost a 30-year-old hunter about 4 percent a year. The evaluation would probably be achieved if he chose to invest in mutual funds, which is a very suitable way for people to connect to the network, Kuera explains.
According to him, the young man does not give up the product, often called a grandmother. Give one of the old relatives to sign a contract, but send the pension yourself. They will get to these pensions in a short time.
Step 3: Choose the right fund
You can either choose a pension fund or apply for help from a financial advisor. Consultation with an advisor is not absolutely necessary. Information on how the individual funds performed in 2006 can be found in the overview on page E7 of the Penze area.
If the fund you choose is not effective, it is not net. You have the opportunity to go elsewhere, or you would not drink for a still-boarded pension. During the transfer, the entire time of connection to the previous fund is taken into account and all pension deposits, valuations and permanent contributions are transferred. The transfer requires only the written consent of the receiving fund.
vs me stt statisce korun
Step 4: Arrange a variant for mru
In the case of a pepka fund or a broker, you will conclude a contract in a moment. No one will examine the health or creditworthiness. Only some of the data in the contract require you to choose from several variants when choosing.
■ Arrange a disability pension. If you become fully disabled, pay you a pension fund with a large allowance, even if it is not 60 years old. It is similar with an inheritance pension, in which case the people you have appointed will receive a pension in the event of your death.
■ If I am less than 45 years old, you will not forget the retirement pension. Thanks to the n and a half naspoench pension from the fund to pick it up after 15 years spoen. With vmy vudy, and with sttnmi contributions.
■ When you spend more than 500 crowns a month, ie not more than 6,000 crowns a year, you can dream of a tax deposit of 12 thousand. Funds for these cases offer so-called savings optimization, clients who take advantage of these opportunities can send pensions at once at the end of the year without worry, others can prove that the pension fund will be spread as a subscription for further benefits and tax will not be deductible.
■ If the employer contributes to the contract, you do not have to send the contributions yourself. The employer often wants his people to contribute to them, but only if the employee puts the same amount into the fund. However, such a condition does not follow from the law. Step pt: Change the contract when you need it If you have agreed otherwise, it would not be necessary later, file the fund for a change. A new agreement should be made in most of the contribution, whether the employer, the name of the person to whom he withdraws the pension from the contract and gave. Don’t forget to tell your pension fund in advance. When, for example, you agree that you will pay msn, the fund from each case of the scenes. If you fly back a few previous months, you will not have the need for wall support or the loss of those missed days until the time you go. I shouldn’t have said when you want to terminate your contract and find out that it is necessary to go and wait for a year, warns financial advisor Tom Kuera.
Step 5: When you are, change the contract
If you have agreed otherwise, it would not be necessary later, file the fund for a change. A new agreement should be made in most of the contribution, whether the employer, the name of the person to whom he withdraws the pension from the contract and gave.
Don’t forget to tell your pension fund in advance. When, for example, you agree that you will pay msn, the fund from each case of the scenes.
If you fly back in time for a few previous months, you will not be entitled to wall support or the loss of those missed days until the time of saving. I shouldn’t have said when you want to terminate your contract and find out that you have to wait a year to wait and pay, warns financial advisor Tom Kuera.
Slovnek penzijnho pipojitn
Old pension: The sum consists of the sum of the client’s contributions, the total contributions and the share of the fund’s management income. For its payment, the client must spend at least 5 years and reach the age of 60 years.
Invalidn penze: The right to its payment arises if the client was granted a full disability pension from the pension insurance. The pension is paid from a hundred urns for old-age pension. The condition for payment is a 3-year spoen.
Retirement benefits: Pension for which the establishment of a claim after 15 years spoen regardless of vk. astnk choose me from the fund and half the dispute.
Survivors’ pensions: It is paid in case of a pension pension supplement to persons specified in the contract.
Anus: Payment of funds that the client contributed to the pension fund for him and his employer. The sales fee is paid when the contract is terminated before that, the client will not be entitled to a full pension. It can be submitted no later than after a year of connection, the participant is paid the deposited funds and shares in the contributions, but without any other contributions.
Single level balance: The client who terminates the contract chooses whether to send all pensions at once instead of regular pension payments.
Daov record: A participant in a pension supplement who has invested more than CZK 6,000 per year in a pension fund can dream of this tax on his income tax base. The maximum deduction from the tax base can be 12,000 crowns, which corresponds to a total contribution of 18,000 crowns. The pension fund is a participant, who is entitled to the application of tax levies, confirmed after the end of the tax period.
astnk penzijnho pipojitn: Anyone who has entered into a pension agreement with a permanent contribution. The contract can be concluded by a beneficiary aged 18, with permanent residence in the Czech Republic or with residence in another EU member state. In this case, he must be a participant in a retirement or public health insurance R.
Vpov: If the participant joins the contract at the time when the jet did not meet the conditions for the establishment of the right to the two from the pension supplement, terminate without any reason. The notice period must not be longer than two months and will be due on the first day after the delivery of the notice. The pension fund is obliged to confirm the receipt of the notice in writing no later than 30 days from the date of delivery of the notice and to inform the client of the date of termination of the pension connection.
Change fund: If a participant has not acquired a pension entitlement and has not been paid a severance pay, I can change my pension fund and transfer funds. During the transfer, the entire connection time of the previous fund is taken into account and all pensions, including other contributions, are transferred. The transfer requires the written consent of the receiving fund.
Peruen placen pspvk: The client, who for the invited reason cannot pay contributions, can apply for the possibility of peruen payment. There is no time limit, the time of perception is not included in the total time of permanent connection, there is no need for wall charges.
Your paid contribution: The contribution to the supplementary pension is paid to you when it is written to the number of the pension fund by the end of the calendar month for which it is intended. For part-time payments, the period for which the payment is made must be written no later than the end of the first month.
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