In this way, the company reduces its costs by not financing the corporate pension on its own. However, the goal will be achieved - employees will be motivated and retained, since investing their own funds is valued higher.
Both the employer and the employee contribute funds
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Offer this form of corporate pension to employees brazil mobile number list with the required length of service, for example, at least five years, who are valuable to the company. The percentage of deductions can be tied to the length of service and the significance of the employee. The higher these indicators, the higher the percentage - not 50%, but 60% or more.
The employer pays the entire amount
This option is intended for especially valuable and deserving employees. For example, for key specialists, middle and senior managers, as well as employees with 10 years of experience or more, or those who retire in two or three years after 15 years of work. For them, such a phenomenon will be a good addition to the state and will serve as a long-term material motivation.
Each of these options may include its own subtypes of corporate pension program.
The company keeps separate records of pension contributions paid by it and its employees. The NPF, in turn, invests these funds to generate income.
The pension agreement must necessarily include the procedure and conditions for making pension contributions, the type of pension scheme, the grounds for pensions, as well as the procedure for paying non-state pensions (Article 13 of the Federal Law of 07.05.1998 No. 75-FZ "On Non-State Pension Funds").
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How does a corporate pension work?
Let's imagine that a 35-year-old woman with a regular income of 100 thousand rubles joins a corporate pension program. Every month she will contribute 3% of her salary to the program, and the employer will add the same amount. Let's assume that wages will be indexed by 3% annually, and the return on investment will be 7% per annum. As a result, from the age of 60, the woman will begin to receive a monthly lifelong corporate pension of 34,280 rubles.
How does a corporate pension work?
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A man with similar accumulation parameters will receive a larger pension - from 65 years of age at 75,750 rubles per month, since the accumulation period for males is longer and the life expectancy is shorter than for women.
The employer may set special conditions for the employee's participation in the program. For example, it will only be available after a certain period of service with the company or successful completion of a project. If the employee leaves before retirement, his personal savings and investment income (or part of it) remain with him, but the employer's contributions may be cancelled or partially paid, depending on the company's