"There's no money, but you will stay here": how to survive in retirement
Get Rich / / December 20, 2019
The pension system is constantly changing in Russia. Now there are rumors that the next reform will happen in the next year. Many skeptical relate to the idea of living on a pension in their old age, other pension makes it difficult to cover only basic needs. But old age does not mean poverty. We talk about how to save for retirement and how not to spend his old age with no money.
How to save
Private pension funds
By law, the employer transfers 22% of your official salary in the Pension Fund. In this case, 16% goes to the insurance part, and the remaining 6% - the funded. Funded part you manage themselves and can choose the pension fund, where your money is invested.
But in recent years the yield of APF was below inflation, savings devalued, so that the choice of NPF should learn more about profitability in recent years. Also, pension funds must be insured.
Stocks and bonds
The stock market - is a complicated and riskier than pension funds and bank deposits, but more profitable. Play the stock market is possible, if you have a large sum of money. Broker and investment companies to help create a portfolio of assets and take over its management of the commission.
Bank deposit
The most simple advice - open contribution to the bank. But keep in mind that interest rates often do not cover the inflation and the money will still be worthless. On the other hand, a bank deposit - the most reliable investment. It is important that the bank was a member of the deposit insurance system. Then, even if the bank is closed, you will get money back (to 1.4 million). If you have more than 1.4 million rubles, and distribute funds in several banks participating in the deposit insurance system.
Things to do in retirement
Many people have a fear of retirement age. I find myself part time? Will there be money to live on? Taking into account the average pension of 12 thousand rubles, which is normal questions. But there is good news.
Thanks to the development of information technologies were special labor exchanges and services, by which senior citizens can find work. There is a demand for nurses, nurses for animals, gardeners, house masters. Communication between the customer and the simplified so that it can understand and retired from the base computer literate.
YouDo
Service YouDo It allows you to find a simple one-time second jobs. Customers publish job, for example to deliver the documents to fix the plumbing or take the goods, and the implementing them choose the appropriate case and agree to make them available for a nominal sum.
YouDo on retiree can find a single part time for minor repairs in the apartment, walk the dog or delivering things from point A to point B. For such services has a stable demand, and there is nothing stopping you earn so in retirement.
Price: Free
Price: Free
Pomogatel.ru
«Pomogatel.ru"Will find part time or permanent job as a nanny, babysitter, housekeeper or tutor. If you have relevant experience (for example, you have worked in a kindergarten or school), you can relatively quickly find a suitable job.
If no such experience, then try to get it for free. For example, arrange a kindergarten teacher part-time or a counselor at the camp. So you get the experience and the right line in the summary.
Avito Jobs
«Avito Jobs"- a special section of the service free of ads with vacancies as a full or a partial employment. There you can not only find a part time nanny, babysitter, handyman, but also place your own resume.
Price: Free
Price: Free
Peshkariki
«Peshkariki"- is a service for foot couriers operating in Moscow and St. Petersburg. The system is similar to YouDo: register, tested, choose the order, execute it and get the money. Do not even need a personal vehicle, a large part of the orders intended for pedestrians.
Price: Free
Price: Free
Keep in mind that your current skills can be not in demand in the future. So keep your nose to the wind and follow the main tendencies and trends. Be prepared to retrain as a specialist in the area in which you have never worked.
For example, you have worked all my life researcher. You can try to re-qualify in the adjacent areas: to become a science journalist, tutor, do consulting. Or go into a completely different area - to become, for example, a carpenter.
All this does not require you to some super efforts, but will provide tangible benefits in the form of stable part-time job and a normal life in retirement: Instead of lying on the couch and wait for another meager pension, you will be working and rely not only on state but also on themselves.
How to earn more
Sell products
The most valuable resource - time. A time to have more pension. Why not spend it on opening a small business? You can sell products that grow on their site. Or open a shop, a bakery. Pension - a good time to start something new.
If you bother with registration FE or LLC does not want the same products can be sold at fairs, which are held periodically in any more or less big city.
Karshering
Another interesting niche. If you often travel by car (at least 100 km, to the garden), you can at least return the money spent on gasoline, taking passengers. Of course, this can not be considered as a permanent salary, but you can save on fuel.
Sell your hobby
Handmade now in vogue. If you love to sew, embroider, beading, photograph, draw, sing - try to "sell" their hobby. If you're doing something with your hands, open a simple online store or a social network community. Similarly, we can proceed with taking pictures and singing. Make a small website free templates, collect (or ask someone to do) Landing in Tilda.
Hand over property for rent
At the time of retirement, you probably got real (we hope). If you have free space, lease them.
You can rent rooms, cottage, apartment or house for rent monthly or by using services like Airbnb. By itself, the property is not a valuable asset, but it can turn into a source of steady income.
As you can see, we make an effort to live and retired with dignity. The main thing - to be ready in time to learn something new, use their skills and experience and be smart.
You all the best, good mood and health!