Friday May 20, 2022

How much contribution to the pension supplementary to choose?

The purpose of the pension supplement is gradually, after a relatively small amount of contributions to accumulate in a personal time at a time when the hunter is engaged in active work. The answer to how high a contribution to choose is not so easy, unless we do everything with a careless wave of the hand and of course: What is the best!

Assuming that even if the employee produces very high blasts, the furnaces only have an unlimited source of income and then they do not have a hundred crowns. Many have been suggested by two, especially in terms of combining the use of the most relative and absolute benefits; therefore, let’s now try to make a summary and then recommend.

In order for anyone who is interested in their future financial position and will refer to the old-age pension to grind the outside and make at least a framework idea of ​​the future development of key parameters, we will first look at which they actually are and which should take more and less in weight, when deciding on how you have a contractual contribution to pension pipojitn with sttnm element to determine (and increase).

Let us conclude that these are mainly the following:

  • his current income. When we disregard the total range of necessary expenditure on current consumption, it always generally defines the available space for the moment determined in the contribution;
  • his expected future income (we also mean income from employment here). Certainly, in the daytime conditions of the development of the Czech economy (moving in the context of the economy of the pan-European area), the unemployment rate, oscillating around 10%, should set some exact data, and it is not even absolutely necessary. It is a matter of realistically assessing whether the field in which the skilled person qualifies and where he intends to work has a bright future ahead of me; whether the region in which it lives is on the rise and in decline; whether it is that someone has improved his position on the market before completing the next level of education (course, retraining, etc.), which will give him hope for salary advancement, etc.

Will the capital market opt ​​spn this year? Vce HERE.

No one has a pound of spheres for a vision of the future, including how much income a particular hunter will have in five or twenty years. For these people, just an oriented view of the day of the payroll and the previous table, where the participants can be classified according to gross income: especially to realistically estimate whether we have a certain significant event to keep our day position, to disengage upwards, and on the contrary, there is a risk of descent downwards;

  • in the event and when he expected to retire. These are the parameters of it for the day of the counterfeit and the young people of the day; here, therefore, we do not have much to do in determining the number of years after which we will receive income from employment and thus the opportunity to pay pension contributions and their contributions;
  • to what extent the employer will also contribute to the contribution of the employee. So these pensions will come in very handy, especially the old ones who haven’t had time yet and unfortunately they won’t even have time to find enough capital. If perhaps the company you are employed with does not yet provide a contribution to the pension (and if it is not mainly because it is in such a difficult financial situation that it does not even get paid), then it is worth it for someone from the department is also asked to ask if and when it will decide to do so (this is quite appropriate, but more on that in the five chapters);
  • expected future development of the so-called compensation ratio average income: average (gross) wage. We talked about it in, and it is obvious that in this respect there are no illusions at all (and there is no reason to hide the fact that another country is on it, he is the Czech population);
  • and the development of not only the total compensation ratio, but also the development of this ratio according to the income groups. The salary is that with the absolute growth of the gross wage, its recipients and the replacement of the old-age pension will increase, but the growth is significantly slower and the incomes of the total absolute income of workers and old-age pensioners open up dangerously; As a result, the compensation ratio between the exchange of old-age income and gross wages is declining rapidly.

This is because, with the growing number of employees and similar incomes, the degree of solidarity is rapidly increasing, in two ways:

  • on the one hand, a citizen with high working income is paid a tax;
  • on the one hand, after these retired people retire, the old-age pension is replaced in proportion to their previous earnings, according to the first standard currently in force, but it is so relatively relative that the principle of merit (equivalence) has been practically completely devalued.

As in other cases, it is especially clear here how dangerous it is to work only with average values. It pays double when it comes to life. If the average compensation ratio is ie the ratio of the average old-age pension to the average gross employee income is currently around 4243%, then deviations in both directions in the change in the gross employee income are significant. Even after retirement and to the limit of about 70% of the compensation ratio for people with low incomes, they are not allowed to detach themselves from the subsistence level; on the other hand, the hunter, who retired in a position where he has doubled, not the average income, with his retirement will fall roughly on his aunt and in a hunter with two about and three times the working income (again against the average) will fall even only on ptinu dvjho pjmu!

Excerpts from the book
Jaroslava ulce: Pension connection

1. dl: What from PP oekv bn oban?

2nd long: It is good to take out a pension

3. dl: By how much will it be in the pension?

4. dl: Do you know when and at what point?

5. dl: How to achieve the highest value?
6.dl: Vyplat se maximln sttn pspvek?
7. dl: How big daov levy vs wait?

ryvek is from the book“Penzin pipojitn, 2.roses vydnvydan nakladatelstvm City Publishing, who published publications in the FINANCE edition such as:
Make the investment
Investovn pro zatenky

Finann matematika pro kadho

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