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The fact is, retirement can be inherited not know many. Just about pensions is widely believed that its pay at a certain age and to get to work for many years. However, it is not. This was and will be discussed below. Typically, the average person to go to school then goes to school (college, institute, etc.), and on completion of training arranged for work (about the army I did not forget, just a matter of fact it does not change). And from the first salary, an organization in which he works, begins to deduct contributions to the pension fund.

At the same time give the employee payroll, which reflects the salary, bonuses, advances, deductions for taxes, etc., but the contributions to the pension fund not reflected in the calculation (probably from the shock of guard:)). A small digression to explain. Since the article is not intended for any particular country, that the presented data may vary in different countries, but the main thing – it’s the principle of taxation, which is essentially the same everywhere. So back to our salaries. Credited to the employee $ 1,000, organizations must retain the income 12% of the state income tax and pay 35% of the amount of accruals to the pension and social funds. That is, the organization is spending $ 1350, and employee issues in the hands of 880 $. Thus, if your net salary is $ 300, then State receives in taxes more than $ 150 (pension fund about $ 100) and without counting the smaller tax deductions (various taxes Greatest 0.1-2% may be charged or may not be charged depending on the country). Now let’s see what happens to our pension: Educated to twenty-five years, people have to work stably.

The retirement age for men – 55 years. Thus, thirty years a person pays money to pension fund to state in their old age, it is provided. When net income at $ 300 it will be, to retirement age, $ 36,000. And imagine that the money you’re not in a pension fund, and invest in the bank, at interest. Sum savings amount to more than 70000 $. To interest on such amount will be receiving more than $ 400 per month – more salary! But all that I speak only for what would you have understood how the government deceives its citizens. And what would you have more convinced of this, compare here the following data: the retirement age of men comes in 55 years, and average life expectancy – 56 years. So initially, the state, collecting money, the bottom is not going to return. So how do you get a pension for two or three years? How to receive a pension not less than wages, making no savings in the bank? How do I transfer a pension inherited? The method is, continued to.