Spotno: To whom to pay and to whom not to choose the type of pensions drank

If you have a low and average income, let go of the type of planned pension reform in your head, otherwise you will delay. Admission to the so-called opt-out and savings for private pensions, according to expert proposals, pays off for excessive debt.

Analysts at SOB Penzijní fond Stabilita said that the planned pension reform and the type of pension saw presented by the government were not for the first time. Especially for those who earn less than 15 thousand crowns gross.

Even if this is the case, you should stick to the regular pension system, pension the pension for three percent and dream of securing yourself on the loan yourself, either by building savings or other means.

The entry into the second sawmill of the pension reform should be welcomed in time by those who earn around 25 thousand crowns in gross currency and are not far from retirement. “With an average income of one percent per year, the average income is paid out by the opt-out and after 27 years of savings,” points out Karel Svoboda, CEO of SOB Penzijní fond Stabilita.

the input may not be high, the fund may fail

Whether or not I have a sense of the upcoming funds, you can clearly find out from the three model examples. The offers in the individual tables and how much you divide or extend the current salary, compared to when you only stay in the main system, ie in the first saw.

All three models of the offer are based on the fact that in the opt-out you will save at least five years and at most 40 years and the private pension, which you can secure, then reach the retirement age after 20 years. The specific results will then be achieved depending on how high the return on the chosen private fund.

Analysts are secretly secreting that the appreciation of the pension in the newly created funds, after the inflation and fee of the fund, can reach about one and two percent ron. For dynamic funds, the input can be very large at you, and around those percent.

But take the risk that by entering the second sawmill you run the risk that the newly created funds may show not only a profit, but also a loss, or even go bankrupt (tte vce here).

Those models offer how much to divide or delay

What about propots in Table 1
With a one percent clean input, the 2nd was to pay off for people with highly above-average incomes. For example, if you have a salary of 50 thousand gross, after 20 years of joining, divide one salary in addition to the variant that you will only stay in the 1st degree saw.
If you have a below-average income, for example 15 thousand crowns in gross currency, after 20 years you will save seven current salaries, ie 105 thousand crowns (7krt 15 thousand).
With an average income of around 25 thousand crowns in gross currency, you will receive an extra two salaries, but after 30 years of savings.

Table 1: is an input of 1% ron, 20 years pension
Mzda v K / Dlka spoen 5 let 10 let 15 let 20 let 25 let 30 let 35 let 40 let
11 000 -18 -16 -13 -11 -8 -5 -3 1
15 000 -14 -12 -9 -7 -4 -2 1 4
20 000 -11 -9 -7 -4 -2 1 3 6
25 000 -9 -7 -5 -3 0 2 5 8
30 000 -8 -6 -4 -2 1 3 6 9
50 000 -5 -3 -1 1 4 6 9 12
100 000 -2 0 2 4 6 8 11 14

What about propots in Table 2
If the fund reaches a certain contribution of two percent of the year, the opt-out may also be suitable for citizens with incomes in the range of 11 and 15 thousand crowns gross, but only when connected for at least 30 years.

Table 2: is the input of 2% ron, 20 years pension
Mzda v K / Dlka spoen 5 let 10 let 15 let 20 let 25 let 30 let 35 let 40 let
11 000 -18 -15 -12 -8 -4 0 5 10
15 000 -14 -11 -8 -4 0 4 8 14
20 000 -11 -8 -5 -2 2 6 11 16
25 000 -9 -6 -3 0 4 8 12 17
30 000 -8 -5 -2 1 5 9 13 18
50 000 -4 -2 1 4 8 12 16 21
100 000 -2 1 3 6 10 14 18 23

What about propots in Table 3
With a 100% input, the opt-out is also suitable for people with a salary of 11 and 15 thousand crowns gross, but you need to save at least 20 years.
If you have a salary of 25 and 50 thousand crowns in gross currency, you will be able to opt it out after 15 years, with one and five current salaries.

Table 3: 4% ron, 20 years pension
Mzda v K / Dlka spoen 5 let 10 let 15 let 20 let 25 let 30 let 35 let 40 let
11 000 -17 -12 -7 -1 7 17 29 43
15 000 -13 -9 -3 3 11 21 32 47
20 000 -10 -6 -1 6 13 23 35 49
25 000 -8 -4 1 7 15 24 36 50
30 000 -7 -3 2 8 16 26 37 51
50 000 -4 0 5 11 19 29 40 54
100 000 -1 3 8 14 21 31 42 56

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