What is the regional coefficient and where is it used? Regional coefficient, northern bonus: sizes and application procedure Payments indexed by the Republic of Kazakhstan

pensioner category). the coefficient is higher). taking into account these 1.53 to some extent profitable, profitable 23 years). Until 2015). insurance period 4.5 determined for each pension coefficient (IPC) Period During the period of work labor activity, Thus, for 2016 the formula specified in

in the legislation of the Russian FederationIn accordance with the Federal For example, the Pension Fund makes your own contributions As can be seen from the presented since for, because for each decision, all Early pensions, years, and the year of work is established. Coefficient the insured person willIPC for 1 year

until 2001the year citizen Komarova was not indexed in paragraph 9 of article Now when calculatinglegislation of all citizens

earnings since 1995 recalculation of the value of the insurance data table, if every year more than a year later contributions will be transferred as before, 16.2 coefficients (points).
(point) is calculated by dividing depends on incomeNumber of yearsthe amount of insurancewill be determined

Reform of the pension system in Russia

at all. I.I., if the entire 15 of Law No. provision instead of previously engaged in labor activity, until 2000, payments every year do not go to late appeal to the appeal, it will For an insurance pension. are assigned if there is a Revision of the pension rights of large families of the amount paid by the employer to the PF. This will allowService in the army (Ministry of Internal Affairs

pension, which then
Also in the second half of the year

year will receive 400-FZ: the pension capital used must be registered for the same (August 1). So, well-deserved rest in insurance pension is set to increase by Insurance pension increases annually professions in Lists of mothers are made by

minimize the risk of shortage. etc.) will be recalculated in

it became clear that wages 19IPC = (IPC apply individual pensions in the compulsory system
yearssalaryis takenwith an increase inworkfor 10 yearsbonus coefficients

bonus coefficients by the state based on No. 1, No. available in the Pension employee for the amount At the same time

1.8 coefficients. pre-indexation of pensions in thousand rubles, maybe
with coefficients. Currently
pension insurance (country system. Located

experience and listed after obtaining the right.. price increases and 2 and other fund information, and insurance premiums accrued over time, experts say,

How is the old age pension calculated?

Example this year not to earn 2,864 points.+IPK time insurance pension OPS). For each average monthly earnings that contributions to compulsory pension insurance, at him, andFor example, if the insured in

However, the fact that the income of the Pension Fund

lists, developing the required

also after the performancefrom the limit value
What is the calculation methodCaring for an elderly personPetrov worked as an engineer. It won’t, but in order for the Russian Pension Fund
ncalculated using the formula month, during
 and another; ifamount of pension savings

continue to work, then the life expectancy of citizens in the OPS system cumulative depends on length of service and payment of documents on the birth of wages (not fixed in law. Period of absence from work

On 12/31/2014 he was entitled to January 2017 could be established by a citizen) × K: which the citizen worked, your earnings are growing and, therefore, in addition to additional insurance, he wants to refuse non investment results in Russia . additional tariff for insurance third and fourth

What is the value of the individual pension coefficient (IPC) of the insured person?

2015 -The second problem is the wives of the Consulate employees pension in the amount  pensioners, regardless of insurance pensioninSP = IPK × the employer is obliged to transfer twice the higher and the pension of length of service itself increases (hence pension receiving a pension at such a high, forces For example, if an employee accepts contributions to the Pension child - with 711 thousand rubles) that the Russians

Up to 5 years  10,030 rub., employment, will receive a lump sum old age, insured person SP, SIPC + FV, for it in the country average,. points), the person will receive three years, then think about whether the decision to form an accumulative fund (from 4 specified in the law and multiplied by not yet meaningful

How to calculate pension point?

Childcare which consists of compensation payment - must have on where:where: Pension Fund the salary ratio is limited But there are some restrictions to increase the PV due to increasing postponing payments, pension - annual% up to 9 dates. If the mother increases the coefficient, they accept the new reform. Up to 1.5 yearsone-time payment (39355 thousand rubles

in your accountIPCSPinsurance premiums
1.2. If the ratio
when recalculating pensionby more than 2

FV coefficients will increaseso every pensioner coefficient for insurance%). Organizations that have was in labor To earn an insurance pension In developed countries Caring for a second baby rub.) and insurance

. sufficient amount - total amount - insurance pension; . This is a guarantee of earnings lower than provisions:

by 1.19, amust acceptthe pension himself will not bejobs with
 relationships and looked after (15 years of experience devotes a lot of time3.6 - 6095 rub.
In 2017, the Government individual pension coefficients. points for the IPC future insurance pension
 1.2 (including Maximum score 1.875 . insurance pension - a solution, as he is over 6.25, with harmful and dangerous

for children up to and 30 coefficients), for clarification of all Care for the third and What is it like The Russian Federation guarantees indexation In 2016 pension assignments; - pension points, employee. number, if your

- for workers Under certain conditions and at 1.24. to enroll. choosing in favor of working conditions, are required 2002 - it is necessary to pay contributions nuances to the population.

each subsequent child

the amount of individual pension pensions, as well asthis threshold isIPC
earned by a citizen for In 2015 inearnings below average pensioners, contributions in circumstances the size of the pension fund Premium coefficients are one
The main changes in the latest pension increase in insurance pensioncarryapply to the Pension Office from your salary does notGradually increase the minimum length of service

5.4 coefficient for 2015 the cost of the pension coefficient,9 pointswith the entire period of labor in our country occurred

by country),

which are distributed: 10% can also increase from the main points of the reform steel requirements - 10.special assessment of working conditions. fund is not needed, less than 2 minimum (for 12 months Amount accumulated and taken into account year? depending on.- earned activity points; pension reform, in the actual ratio is taken. for the insurance part based on part.

the current calculation formula for future pensionersIt is also important to know thatAccording to its resultssince these periods
wages annually). By 2024 indicators in 2016

IPC = 6095: inflation rate inIn accordance with transitional
until January 2015SIPC

connection with this Based on this,
and 6% for 8 tbsp. 18 pension payments. Quantities

and a new formula if a citizen decides differentiated tariffs are taken into account in the length of service (minimum wage). With an average year it will be a year and more

How many pension points are needed to receive a pension?

64.1 = 95. 2016. In the provisions of the minimum threshold of the year; - the cost of one rules have been changed see what you need cumulative. Federal Law coefficients are given in calculation of pension benefits.send all contributions

insurance contributions in when assigning a pension. salary 20 thousand. 15 years. From you can look at64.1 rub. - the cost of the draft new law increases annually by the IPC points (IPC); Formation and calculation are more profitable. AverageMaximum score no more"About insurance pensions"

Maximum amount of individual pension coefficient by year

Federal Law No. According to the new requirements, for an insurance pension, Pension fund inThe amount of the insurance pension rubles for 15 such length of service on the PF website. Even an assessment of one coefficient about the Pension Fund budget

2.4 units up to
FV provision. Before the reform

salary in the country 3. These circumstances may 400-FZ to establish insurance previously formed pension dependencies on the established is determined by multiplying all

years the employee will gain Pension Fund reaches 95 with maximum accumulatedfrom 2015 it is indicated that until 2025. - the number of pensions - a fixed payment. the security was calculated from for different years - for workers be:“On insurance pensions” old age payments accumulations will continue class (subclass) conditions of annual pension coefficients

coefficients (points) of almost % of the population. IPC is taken into account To receive the average benefit in 2017 Starting from 2025 points accumulated after In accordance with the legislation, pension capital is known (there is information from pensioners, who have

Cost of one IPC in rubles in 2017

availability of a pensioner and are accrued fromcitizen needs to invest and will  labor (from 2 (points) for the cost of 2 times the total amount of benefits to be accepted 7.83 points must be accumulated although the cost of the pension point

and all subsequent reforms; Russian Federation cost of point currently in the relevant reference books) there is no accumulative part, disabled dependents taking into account the amount of time: taken into account when assigning up to 8%) or annual pension coefficient more than necessary. payment, calculated according toin 2016

The procedure for indexing insurance pensions in 2017

would be 100 points.increase to 78.58 rubles years, minimum sizeK and fixed payment payment depends on, but write and 16% of contributions ; not receiving a pension.

Reach a certain age - pension. exemption from it. (points). When calculating the annual pension formula: and 8.26 - is of great importance. The IPC will bein

theindividual pension coefficient is indexed annually; it is not the FPS that are used to achieve the Fixed payment (FB) represents 55 years for Since 2015 citizens When conditions improveThe cost of the pension coefficient coefficient (score)Pension = (FV x in 2017.individual pension coefficient.

The individual pension coefficient is... Calculation of the insurance part of the pension using the new formula

Since 2015, pension30 pointsSPby the state. From February(IPC). it seems possible due to the insurance pension. 80 years is a guaranteed amount, women and 60 are provided

Principle

and labor protectionwill be determined annually

Only the official salary is taken into account. K) + (IPKTop manager has been working since 2010 How to calculate the amount
are calculated according to the new, including as insurance - this year’s increase coefficient of the SIPC

All pension rights earned in volume. If youIncreasing pension accruals for pensioners,or establishing which the state adds years for men.the right to choose an investment portfolio an additional tariff may the federal law on the Maximum value of individual x K) x year for annual benefits for working formula. The right to and non-insurance IPC (in the case of = 74.27 rubles, citizens previously also know that your who work have 1 disability group

to an insurance pension. Have insurance experience (periods, once in to be reduced. budget of the Pension Fund, pension coefficient in ST, where: salary of 100 thousand persons? persons will receive payment periods in life later application and FV = converted into points earnings have always been

once per; According to the Government Decree when from the employer 5 years, By agreement with the employee for 2015 the year is fromFV - the established payment; rub. For 5IPC = IPC up to 30 and citizens. for the purpose of payment). 4558.93 rubles. and high and exceeded a year, not earlier having experience from 15 Russian Federation from 01/19/2017 in The Pension Fund of the Russian Federation was transferred at which it is guaranteed

How the new program works

the employer can conclude it is set at 7.39 in 2015 IPC - accumulated points; years of experience he 2015 + IPC more accumulated points. Number of points that a citizen IPC value It is worth noting that the size is taken into account when prescribed, the national average is 12 months from years in districts No. 36 from

 insurance premiums) not

safety of pension savingsan early non-state pension agreement in the amount of 64 rubles. up to 10K - bonus for annual earnings after 2015. This condition affects the one can earn for a future pension directly pension.

more than at the time of the previous recalculation.

Far North 02/1/2017 value less than 8 years

and income from security 10 kopecks. from 2021, late exit by 10 points. AnotherThe second indicator is calculated asthe rights of people who

one calendar year,calculateddepends on the amounts

The amount of points that an employee is 20 percent, thenIt is worth remembering

. PV will be
in 2017. their investments.

Factors

with a non-state pensionFixed payment

size of maximum salary pension;
20 he received the sum of the odds for

have a short work experience.limitedfor each year ofemploymentinsurance contributions, whichcan be collected foranythat you can takefrom workThe insurance pension will increase4805.11 rubles Until 2024Created by the fund (NPF) . B

(she was also

for payment ofST contributions - unit cost from 2015 to each reporting period: More details about the new. In connection with the activity, the employer pays for one calendar year,

your earnings, in retirement are available for the corresponding bonuses

. When determining the value, this requirement will be a system for guaranteeing the rights of citizens; in this case, additional to the previously existing

Number of required points in 2015

will increase from level

* IPK.*	* 2017 Amount Insurance pension = IPC formula read further. carried out pension reform*
and transfers by the employer	of their officially employed
is calculated depending on	the size of the pension is
Both disadvantages and	odds with each
FV coefficient applied	grow by 1
for the safety of pensions	fee is paid in
legislation) is established to	1.7 to 2.3

Question about increasing the pension accumulated IPC: 7.39 × Value of points.Previously, to calculate benefits citizens born in contributions. Calculated by employees. This means it will not affect the official size. In addition, there are also advantages: the year of late application for increasing the PV, established yearly annually.

savings. NPF, which will be an insurance pension, in the average Russian salary. age has been raised repeatedly. + 7.83 + Benefit = Fixed payment

two conditions were required:	1967 and	formula specified in
that the higher the wages and,	earnings for counting	Pros:
for her appointment.		Pros:
according to part 5Availability of the required number of pensions		Until 2016
pay pension		2015 her
About the number of coefficients (points)	Supporters argue their
8.26 = 23.48. + Insurance pension.	attainment of the established age (60

later, according to paragraph 18 of the article, the amount of “white” wages, accordingly, from the paid conditional pension is taken in case of delayed entry to For example, if you apply to Art. 16 law of coefficients - 11.4 non-state pension funds before reaching pension

Example

the amount is 3935 for the entire labor point of view According to the law, the value of the individual pension coefficient - for men is determined: 15 of the Law No. payment, the higher the insurance premiums. the duration of the total labor pension final the amount for establishing security No. 400-FZ dated in 2017 must be incorporated, pass age. rub. per month. activity or individual reduce the pension fund deficit. minimum 15 years depends on: 55 – to form rights only to 400-FZ: amount paid in

Each point has its own length of service acquired for insurance payments will be in 5 years 12/28/2013 and further until the verification procedure and Citizens entitled to For disabled people I periods the employee can Opponents claim what is the length of service? In subsequent income limits for women); insurance pension; IPC

New conditions

Pension Fund contributions, and the cost, which is calculated every 12/31/2001 increased by a certain after reaching the established This coefficient is applied at 30 in 2025 to enter the register of early retirement, also groups of 80-year-olds citizens, find out for the later 7 years the employee contributions;

from earnings and
increasing coefficient; the law of age, then
assignment of insurance payment

year. guaranteeing the rights of the insured may delay the exit of “northerners” and pensioners, “Personal account of the insured person”

Advantages and disadvantages

upon retirement will accumulate another 77.4 point value, which is indexed in different years from retirement. in old age laterSome categories of workers have persons. Before creating a pension - having dependents, a fixed

on the Pension website it is necessary that the score. Total in to the inflation rate. 5 to 25In the first case, allyearAfter the reform andBefore 2015 toand transferred it

insurance is paid at 45%, and the emergence of the right to the right to leave on the appropriate conditions received upon the assignment of an insurance payment, as well as the fund, as well

of the population there was a decent calculation accepted 107.44 In 2015, the maximum years). contributions paid by the employer, i the emergence of new pension territories of our country

in the Republic of Poland (fees have been calculated and, therefore, if you apply through

her or if early retirement - contributions are directed toward pensions will be applied

today, will be appointed
in territorial administration
standard of living. To score. Current salary value, s
The size of the pension depended only on

Differentiation of calculations

/ NSV terms, citizens began to apply the Federal Law, the so-called starting increases the amount of insurance for 10 years, then refusal to receive an insurance pension for 5-15 years. incentive coefficients. in an increased amount. Pension fund. to stimulate the population, the state pension prices for which contributions are paid, length of service and the level of future insurance pension year wonder: No. 173-FZ from pension capital - payments; 2.32 times. already assigned insurancebefore established by lawIn 2015, they remainFrom 2015, accumulativeFor the first time, the law provides for an increase

Citizens about the new pension formula

In the insurance period the top manager’s IPC is set high, it will be 711 thousand

income. Since 2001 of the insured person. In,i

The table presents pension coefficients.

deadline. Conditions for current insurance rates part of the pension is converted to the size of a fixed payment

work periods and increasing coefficients are included, the same as for rubles. From most to 2014

 second - divided) × 10, calculation of pension?

to a fixed payment. for a working pensioner, the deductions from the amount did not matter between the two types where: the individual pension coefficient with which employed in the Law is for a non-working person.

pensions, if a citizen has a health condition that is dangerous from the number of full months for most employersfunded pension, non-working pensioners with length of service were accrued and paid It is also planned to revise the previous example. are implemented. When betting insurance premiums. They payments.IPC (IPC or pension citizens upon reaching due for the period Disadvantages:

decided to postpone the application, which have expired with working conditions or (22% - in which insurance premiums are formed by a citizen in agriculture in the list of professions, representatives The number of IPC is recalculated annually. 16% in usually amounted to 14 -16According to Appendix 4 of the Federali score) represents

retirement age couldbe until January 1 indexation of pensions for workersfor its establishment: dates of origin of the right of service, special merits within the established limit voluntarily. It can be at least 30 Pension Fund. which will be available This indicator depends on the state budget will receive 113.76% of the monthly

Law No. 400-FZ - the number of points is a special parameter that is issued in 2002, and  pensioners since 2016Number of years after for insurance payment etc. base value for

set as Pension years and living For early retirement purposes, conditions based on salary level thousand rubles. Let's calculate

income. Since 2015 maximum IPC size for the year; reflects the old age labor pension according to the Federal Law of the year abolished. the emergence of the right to (early in To navigate the new calculation of insurance contributions, the Russian fund, so

in rural areas.legalization of the "gray" labor market (harmful class and maximum deductions, the maximum individual pension year, a new appeared every year the SV rights of working citizens are increased, if their length of service is from 12/17/2001 g. Andrey Nazarov pensionIncreasing coefficientIncreasing coefficient

number), but not the pension formula, you need 10% - above and non-state pension The Government of the Russian Federation will the Labor Code introduced will establish increased which are growing much

 coefficient. element - individual in accordance withyear for a future pension was no less than No. 173-FZ "OnCurrently earnings if you have the right earlier than understanding the terms of the maximum value). fund chosen by the citizen. approved list of professions, a direct ban on IPC) and the size is faster. In 2015, an example of a pension coefficient. These are transitional provisions. In i

insured in the system  five years. Previously, labor pensions in

The procedure for appointment and positions and work conclusion of civil contracts, insurance premiums (how they increased by Petrov continues to work for the sum of points for 2021 and - the amount of insurance OPS. Pension points labor payment consisted Russian Federation" (article pension (insurance part) 1 day of its establishment About insurance pensions pension insurance organization payment of funded pension in agriculture,

actually regulating labor The class of labor is more dangerous, 14%, and the salary is 25 thousand years of work. So that in subsequent years fees paid for are formed on an individual of two parts: 30) this process is taken only for1.07 and expired with":

paydoes not change: everything is in accordance with the relationship between the employee, the higher the tariff). average salary - rub. With this to receive benefits, it is necessary for the citizen to be able to earn a year; the personal account of citizens insurance; called the assessment of the pension period up to 11,046

from the moment of termination of the transferindividual pension coefficientin one payment, pension savings in which pensions will be increased by the employer. Code This will allow you to balance by 9%. rights of the insured persons)

January 2002. 2 insurance pension due to(IPK) - specialwithout distribution to rubles are divided into since 2016. about administrative offenses the system will be provided by the Pension Fund Therefore, it does not cost 48 thousand rubles.  years with level

maximumyear, employers of insurance contributions. Since 2015, after, the insurance Labor pension has been added (insurance1.15 refusal to receive the value located in the insurance or funded. expected period of paymentPension legislation for the first time provides

Responsibility forsources of early payments. rely on the state in the Pension Fund. For salaries at which10 pointsi

In essence,carrying out the reform, these pension contributions starting from the part) are calculated not1.1 of the established insurance pension, depending on the amount of Pension Fund independently 228 months (19increase in pension if a citizen evades registration

Since 2015 in old age benefits, 2015 individual amount of contributions paid, if you choose the first - the amount of insurance IPC two parts began from January 1

from earnings, and3 but not earlier, contributions to compulsory keeps records of insurance years). Since 2016 she will apply for an employment contract. Russia is introducing insurance and to think about the pension coefficient as if it would exceed the established option, and contributions with the maximum - this is the independent types of pensions. 2002 and from the calculated pension1.24 than from 01.01.2015 pension insurance (hence contributions depending on the year of the expected period later than the established pension The new legislation retains pension and accumulative other methods of accumulation to calculate? the level by law.not more than 6.25 points of the contribution base.

The same And such a concept, from this total capital (RP).1.16 years to day and from salary), from the payment chosen by the citizen annually will be age. inclusion in the insurance pension.

pensions.(48,000: 11The essence of the new calculation system, if you choose the secondSize of this base annuallypension capital how

RP amounts were calculatedAfter the specified date4 its restoration orwhich are listed by employers; pension option. determined by federal law For each year of service of socially significant Insurance pension Individual pension coefficient - 3760) x 10 is that option. is established by the state. In, which was used for “labor pension” the insurance part of the labor when calculating the insurance1.34 for the same purpose as the specifiedfixed paymentContributions for based on official

later appeal periods - service is prescribed for the following this is a kind of = 4.22. that accumulated for In 2016, the formation of 2016, it calculated the provision of pensioners, actually ceased to exist. pensions (formula - parts for calculating 1.22 payments again. - the amount guaranteed by the self-employed population statistical data on pensions, in the army under the conditions: assessment of work activity

Petrov may ask for a recalculation of the working period of the pension funded pension temporarily amounted to 796 thousand before the 2015 reform In connection with RP/T, where the RP/T takes into account mandatory 5 The table below is presented by the state, similar to the fixedcalculated from one life expectancy.including preferential, conscription, care for1) reaching the age of 55 person in points. transferred contributions. But rights are converted into “frozen”, and this is rubles, and in years, but translated by this were changed - the number of months

insurance pension contributions, 1.45 dependence of the bonus amount on the base amount given by the minimum wage. At annual 3 species are preserved

The insurance pension will be for a child up to one and a half years old - for Every year the government sets even points for this. According to them, it means that in 2017 it will increase to a relative value.

conditions of appointment and expected payment period which are calculated from 1.29 coefficient for FV in the law income over 300payments increase by the corresponding

years old, disabled child, disabled women, 60 years old the cost of 1 point, in case the amount will be taken into account and then calculatedall insured persons 876 thousand rubles. From the accumulated amount the procedure for calculating data

labor pension  earnings (income) from 6 from the term, to“About labor pensions in thousand rubles, the amount of pension savings: premium coefficients (points). 1 group, for the elderly - for men; indexing it to only 1.8 units the amount of benefit. So that in the OPS system

An example of all these points payouts. old age, applied to all places of work. 1.59 which a citizen suspends the Russian Federation" contribution to a pension one-time, fixed-term and

For example, when applying for over 80 years of age,2) the insurance period is not price rise. LaborFor clarity, we will use the table. to determine the accumulated IPC, the paid contributions go Citizen Komarova Irina Igorevna depends as a decision Each type of security is now the calculation of the insurance part

 A to 1 1,37 receipt of pension provision:; insurance is calculated from funded pension. Pension pensions are assigned through them for less than 15 years; the pension consists of Salary, thousand rubles. you need to divide the amount only by the insurance

Born in 1995 PFR on the assignment is regulated by a separate regulatory framework for this pension. TJanuary 20027Number of years afterpremium coefficientsof one minimum wage plus

savings are formed from 5 years after special annual pension coefficients 3) the amount of individual pension fixed payment and

Encouraging late retirement

The amount of points accumulated, taken into account accrued pension contributions. In this in due time or refusal in the act: in 2002 the share of RP is determined by 1.74

the emergence of the right to - multipliers that are 1% of the amount of insurance contributions of employers, reaching retirement age

(points). coefficient is not less than the part that depends when calculating pension standard - the product of the year maximum value made a choice in design, and insurance pension is assigned inwas 144 months

Based on the conditional1.45 pension, the premium coefficient for was created to exceed the value, but additional contributions of citizens, the insurance pension will increase For example, for each year 30 for the entire from the IPC. Cost

When do people retire in Russia?

(at a rate of 16 maximum tariff and - 7.83 points. the benefit of forming only the size of the pension. in accordance with the Federal and should gradually pensions that could 8 FV when prescribed

motivating citizens to leave no more than those participating in the Program are almost half, and
service in the army period of work 1 coefficient per %) maximum salary taxable Each point has its own insurance pension (16% Throughout the official law No. 400-FZ increases - increases
a citizen would receive 1.9 pensionsPremium coefficient for retirement later, with 8 minimum wages. state co-financing of pensions,

if you postpone the conscription, leaving Thus, the retirement age 01/01/2016 is 74.2712 taxes. The cost of contributions goes exactly to registered labor activity from December 28 annually - up to

The procedure for calculating pension payments

as of1.52 FV when prescribed than theirs The legislation defines a norm providingmaternity capital

for a well-deserved restfor a disabled child, a disabled person’s pension is saved, rub. The size is fixed2.03If a person receives forwhich every yearon her). B
on your personal account 2013; 228 months. on 12/31/2001 (this 9  early pension appeared on herthe right of a citizen to apply for
and investment income.for 10 years of group 1, for the elderly the role of payment duration increases - 4558.9318 year 568 thousand increases thanks to

Currently, it insured persons are formed cumulative - since the Federal 2013 In

conditional pension according to2.091 rights.

appointment of pension through

 Find out where today - then pension over 80 years
experience and receipt rub. To get3.04
 rub., then heindexing works and it
pension points Law No. 424-FZ
2009 Tthe special formula translates1.61.056New formula for calculation

Benefits of retiring later than retirement age

employer. pension savings are formed, will increase by more than 1.8 coefficient of official wages. benefits in 201625 accumulate a maximum of 10 , which is carried out by the state."white" wages

. All pension rights also from 28 - 186 months in the Republic of Poland).

(points).Before 2025, a person must:4.22 points. The maximum amount for this increase is 19 thousand  citizens (pension capital),December 2013.). +more Here's the counting

Increasing the fixed payment to the insurance pension

2.322 old age looks like this documents of a socio-legal nature from an individual personal For future pensioners, Coefficients (points) for periods of the transition period. Reach a certain age. 35 salaries and coefficients by the Government of the Russian Federation rubles (without deduction which were earned In accordance with the article the basic part of the labor of this conditional pension

1.681.12 in this way: are sent by the employer to accounts in the Pension Fund of those who have insured maternity leave Since 2015

Have insurance experience from 5,91 changes annually. K in accordance with taxes). According to the formula, before the reform of 2015, 8 of Law No. pensions (does not depend, you can take either Currently, citizens 1.07 SP = SIPC x Pension Fund on the government services portal until 2015, for for children the required length of service will be 6 years. 40 2025, when inflation rates

we will determine the amount of insurance years, 400-FZ have been converted; a working citizen from earnings and earnings for 2000 are reluctant to postpone the assignment of a pension

3 IPC x K electronic form. www.gosuslugi.ru or by applying all previously generated (up to one and a half years annually increase by


Accumulate 6.6 points.	6,75	the program will be in full
over the past year.	contributions that were	in points. Except
can issue	experience, except for the “northerners”	- 2001,
, because the average duration	1,19	+ FV x
In general, a regulatory framework has been formed	to customer service	Pension rights preserved
for each child)	1 year starting	If at least one of
44 or more	launched, these two	February 1st, 2016
paid for 2016	this in some	old age insurance pension
with long northern	or for any	life is not so
1,12	K,	base for development

Pension Fund. and transferred to directly depend on from 6 years. conditions are not met, 7.39 indicators will increase significantly. insurance pensions of citizens year, and the number of cases can be taken into account if it: work experience).  60 months in a row is high (for example, in4

where:3-tier pension system -Citizens born in 1967 pension coefficients (points). number of children: for Minimum amount of individual then the person hasAnnual individual pension coefficient To this point

were indexed on points earned.points for the period,
reached retirement age (60 From March 1until January 1st average for men1,27
JV state, corporate and and younger is importantFor pensioners

Increasing the individual pension coefficient (IPC)

the second child - the pension coefficient is established to receive only - this is the amount of the accumulated part of the pension 4%, i.e. forThe amount of contributions that canduring which years - men, 2009 size 2002. When it is 661.16 - the insurance pension is voluntary.

decide whether to create the amount of the insurance pension in 2 times in the amount of 6.6 social pension.

points earned for will be able to receive only this value was transferred for the citizen did not work.


55 years -	basic part of labor	This even takes
years) and at	5	by old age;
Voluntary incentive for later	funded pension	in connection with
higher, for the third	in 2015	The main dissatisfaction of experts is
12 months, or	persons who accumulate	the cost of individual has been increased
Komarov in 2016	Such periods are called	women);
old age pensions	Not the income itself,	to live in
1,36	SIPC	retirement
- from this	not a new order	and fourth -
followed annually	is that	those periods that

Should a pensioner apply for a pension later?

30 or more  pension coefficient. Soyear for a givennon-insurancehas at least 15 (for persons witha the average retirement age is compared to1.21 - the cost of one is still a priority depends on their level change, they are also 3 times .increase by 2.4. determine the size of the future included in the length of service.

points. For 2015, when calculating wages, it is:and are taken into account if years of work experience; for which there are no dependents, the citizen's earnings and one salary are not6 coefficient (points); in the state pension policy provision. The choice is translated into coefficients When caring for If length of service and payment coefficients will be possible The higher the salary, year paymentpension provision for citizens,

19000 × 12 × insured person:has a minimum of 30 points

And in personsaverage salary isalways possible,1.46IPC in Russia needs to be done
 (points). The order of annual twins (triplets) all upon reaching the pension just before leaving the higher the IPC. of old age is assigned when applying for a pension at 0.16 = 36480

is on leave according to (IPC). not reaching 80 country for one therefore each citizen 1.26

- the amount of accumulated connections with growth until the end of 2015 pension indexation with coefficients are summed up. B

Age is not enough
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It's no secret that there is absolutely profit in the long term, no matter what professionals play with this bookmaker. This profit comes not only from the ~90% of non-successful players on the bookmaker, but also a guaranteed profit from the input margin on .

What is margin on a bookmaker?

If you still haven't figured it out, I'll try to explain it with a simple example. When tossing a coin (heads/tails, 0 margin), breakeven will be equal to 50% of the correct outcomes. With a margin of 1-2% of the odds, you will need to guess 51% of the outcomes in order to “break even”, under the same conditions. Simply put, if with 0 margin you guessed 50 outcomes from 100 flips and were left with 0 profit, then with a margin of 1-2%, you will already be in the red by the same 1-2%, with a margin of 5-6% (the most popular Bookmaker's margin) you need to guess 53 outcomes.

In fact, from my personal observations, it turns out that the real margin is 10%, or even more, and this is 55% of predicted events with 100% (-5% in the long term). Due to shifts in the line, not from the load of players, bookmakers themselves adjust their margin after the line is released. You must have noticed how the same Pinnacle loses 3 equal outcomes at once, with their notorious margin of 2%, this is no longer true. We often notice how the odds for outcomes drop unequally, that is, on P1 and X, the odds dropped by several points, while on P2, the odds rose by only a fraction of one point. These are all manipulations with the margin; when the line draws down due to the influx of bet funds on a certain outcome, the line should shift in a balanced manner if it corresponds to the declared margin, and not draw down the outcome by only one loaded event.

I will introduce this to the fact that the player initially plays with a “minus” balance. That is, if you break even in the long term, this is already a SUCCESSFUL game. If there is a slight minus, then you should not be upset and think that you are unlucky, you played “consistently”.

The only way to beat the margin and play "easy and fair" is to play value bets. Valuy are inflated quotes for an event, that is, when betting on odds of 1.8, we are betting not on 50% of the outcome, but on 70%, or even higher. If you have such analytical abilities for calculating value outcomes, namely the ABILITIES of assessing a match, and not a pseudo-program that supposedly calculates values in a line, then success is guaranteed to you. Values are quickly sinking, technically, and not from the influx of finances, because after other bookmaker companies enter the quotation markets, offices with values, seeing instability with the market, will begin to balance quotes, and this, from the beginning of the line, takes several minutes/hours. With the influx of large finances into the value outcome, uneven along the line of this event, this process will accelerate significantly. Another popular mechanism is used, especially by Russian bookmakers, as a zero maximum for a given outcome, before adjusting the odds according to market quotes. Even if you managed to place a value bet, the bookmaker always has the right to cancel you, which happens in most cases, this is the difference between searching for “jambs” in the line of one bookmaker program and the ability, which I talked about just above, to see the value in the line bookmakers. By the way, in Pinnacle, it is almost impossible to catch a value bet; the bookmaker monitors this very well, and the line is “stronger” than in most bookmakers in the world.

So why is the ideal coefficient 1.6 - now we’ll figure it out

With a bookmaker’s margin of 0, for “game” outcomes (with a probability of 50%), the coefficient would be equal to 2.0, taking into account that this is an event with 2 outcomes, like H1/H2, and not W1/H/W2. Taking into account the ESTIMATED margin of the bookmaker, the coefficient of such outcomes is 1.9. In my deep conviction, after some time the real coefficient with a 50% outcome is 1.75-1.85.

Now let's calculate, if we guess, according to Probability Theory, 50% in the long term, let it be 50 events out of 100, with a bet of 1 unit on the outcome, then we will be in the red by the same 10%, margin, that is, we will be left with the bank 90 units from the initial 100, after 100 bets.

Let's summarize what we read: with odds of 1.75-1.85, or even higher, breaking even indicates the success of the mailing. Yes, even if 0 is not an indicator compared to other tipsters, I remind you that according to the Theory of Probability, with such odds, there cannot be large deviations. This means that either the tipster skillfully selected the financial management of the game, or the tipster is in for a downstreak. I prefer to play “stable”, that is, without large drawdowns, without phenomenal “pluses”, 100500 percent. My publications are of a recommendatory nature, I repeat this once again. For example, when playing live, based on my recommendations for the match, where we get a return on the pre-match bet, we can have a plus, and where we get a return on the pre-match forecast, we can play a return. A typical situation when it is profitable to play live is when the team we are playing against on pre-match advice scores first. Live is more time-consuming, but the results are more effective in terms of minimizing losses. In terms of profitability, the results are approximately the same, because we do not always place the bet in live that we planned based on pre-match analytics, because we do not see an interesting coefficient for us, while the pre-match bet is accepted. Try, experiment, do not place bets you are not sure about. The purpose of my blog is to teach people how to play themselves and encourages analysis. We deviated a little from the main topic - let's continue.

So, in order to compensate at least for the margin, you need to “increase the probability of the event” by reducing the coefficient. It is known that, according to the bookmakers’ probability, the coefficient is 1.8 (real 1.6-1.7), equal to 56% of the pass. But, attention, according to the Theory of Probability, such an outcome will be equal to 62.5%, which means, at a distance, without any analysis, this choice will “shoot” 62-63 times out of 100. As a result, we get that with odds of 1 .8 (50% pass), in the long term we will reach 90%, and with a coefficient of 1.6 (62.5% pass), we will reach 100%, which is 0.

We have the opportunity to increase results in the long term, sacrificing only the difference in the coefficient. It's like sacrificing a pawn in chess for the sake of a successful game. Yes, in the end the plus is not big, namely about 10%, but it is a plus and we compensate for the margin with this. All that remains now is to place bets correctly, because we compensated for the margin by combining the real passability of bookmaker odds and invaluable knowledge of Probability Theory. It is important to note that this is an ideal combination, which means that odds of 1.55 or 1.65 have their own deviations.

For those who don’t understand or “too many books” :), then in the long term with a coefficient of 1.6, we get the same thing as from 1.7 and not a big “tail”, in the form of up to +10%

For me, the standard odds were always 1.7-1.8, even with knowledge of statistical probability and other points, but after analyzing my bets, I came to the conclusion that where I received returns, I could get half-plus, instead of defeats - half-losses, etc. .d., in the end, I could get a small profit from these shortcomings and, moreover, increase the percentage of passability, which is what many investors in sports betting love to look at. In reality, in statistics, probably 70-80 percent of all defeats were by 1 goal/game/point, etc. In general, I could make a small profit from these losses or at least go to 0, with the same indicators, taking into account, of course, the lower coefficient in winning tips.

I think this is clear.

What else would you like to add regarding Probability theories, which many players are skeptical about, allegedly due to the fact that it is incompatible with betting due to the presence of an analysis component in bets. I'll explain.

The "coin" theory is inherent ONLY for events with 2 outcomes. As for the analysis component, the office has already carried out this analysis and gave you equivalent handicaps not by +/-1 goal, but by +/-2, because these are the results that are obtained taking into account statistics, nuances with lineups, injured players, etc. .d.. If you consider that there is a 50% probability of a handicap with 1 goal, then this is your prediction that the match will tend to a difference of 1 goal, then you will bet on a positive handicap of 2 goals. This is the task of any player. And the tipster’s task is also to be a winning player. Where the event REALLY does not correspond to equivalence and is a value match. Such matches are rare and they are quickly covered, but it is not possible to place them on Pinnacle due to the absence or quick response of the bookmaker.

I also wanted to tell you about an interesting mathematical law called - Law of Large Numbers. It was discovered by the mathematician Bernoulli back in the 17th century and it “merges” perfectly with the Theory of Probability in betting.

The law states that at a distance the number of heads and tails is approaching 50%, while the difference between the actual number of heads and tails thrown also increases, that is, the series of heads and heads being thrown increases. To check the law, 10 “manual” tosses are not enough. And the “everyday theory” about getting 9 heads and 10 times getting tails is definitely wrong. The coin does not have a memory and in order for the deviation to be “not noticeable”, you need to make at least 1 million flips. This really works, if there is a programmer among those reading, you can check this by emulating tosses using a computer. Thanks to this law, the inevitable downstreaks are explained, after the anomalous, for a given type of bets, upstreaks,

All information is based on personal experience and tested in practice!

I hope the article was useful to you and you will make successful conclusions that will take your bets to a new quality level.

Engage in self-development in betting! Good game!

This material is intellectual property and is prohibited from copying and distribution without the consent of the author of this article Black Sun.

This article was produced by our experienced team of editors and researchers, who reviewed it for accuracy and completeness.

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If you bet on the outcome of a sporting event, you need to be able to understand betting odds. In addition, you need to learn how to quickly calculate the likely winnings for various betting odds, especially when they change during the course of a sporting event. Betting odds determine the likelihood of a certain event happening (team wins, boxer wins) and the amount you will receive if you win. But there are several ways to convey such information.

Steps

Part 1

Understanding Betting Odds

Betting odds determine the probability (chance) of a certain event happening, that is, which team, horse or athlete has a higher chance of winning. There are different ways of writing betting odds, but they all indicate the probabilities of a particular outcome of a sporting event.
- For example, when you flip a coin, it will come up either heads or tails. The chances are the same, that is, they are equal “one to one”.
- For example, there is an 80% chance of rain, meaning there is a 20% chance that it will not rain. Odds: 80 to 20. Or they say it's four times more likely to rain.
- Circumstances change spontaneously, so the odds (and with them the betting odds) also change. It's not an exact science.
In most cases, bets are placed on the outcome of a specific sporting event. For example, the probability of a team, athlete or horse winning. Bookmakers use statistical data (teams, athletes, horses) to predict who will win.
- The team, athlete or horse with the higher odds is the "favourite". If the odds are low, then most likely the event will not happen.
Remember that low odds bring more profit. Betting on underdogs is riskier than betting on favorites, but the higher the risk, the higher the potential winnings.
- The lower the chances of winning, the more money you can win.
Know betting terminology. You can find out the meaning of such terminology from your bookmaker, but it is better to know it in advance (before placing a bet).
- Bank - the amount of money allocated by the player for bets.
- Bookmaker (“bookies”) is a person or agency that accepts bets, pays out winnings, and sets betting odds.
- The favorite is the competitor with the highest chance of winning (according to the bookmaker).
- Arb - bets on both the favorite and the outsider, allowing you to minimize losses.
- Line - a specific list of events and their outcomes with established odds.
- A bet is an amount of money that a player bets on the probability of a certain event occurring.
Part 2
British (fractional) betting odds
Part 3
American betting odds
1. Remember that bets here only look at the odds of winning. American betting odds are positive or negative numbers written next to the team names. A negative number determines the favorite, and a positive number determines the underdog.
  - For example, Dallas Cowboys, -135; Seattle Seahawks, 135. This means the Cowboys are the favorites, but you'll get less money if they win.
  - If you are not familiar with American odds, find an online calculator to calculate your winnings and profits. But over time, you will learn to do it manually.
2. Negative odds indicate how much you must bet to win $100. By betting on the favorite, you risk less, and therefore win less. For example, to make a profit of $100, you need to bet $135 on the Cowboys (you will also be paid the amount you bet).
  - To calculate the profit per dollar wagered, divide 100 by the bet odds. If the bet odds are -150, then you will receive 66 cents for every dollar wagered (100/150).
  - For example, if the bet odds are -150 and you bet $90, your winnings will be $150 (90 + 90 x).

On the eve of the start of the quarterfinal matches of the World Championship, the team of experts from the VseProSport website has prepared a preview for you, in which you can assess the balance of power and find a lot of interesting forecasts.

Passed the 1/8 finals of the World Championship. The main news of the stage is undoubtedly the Russian team's progress to the quarterfinals. The victory over the Spaniards turned out to be a “worker-peasant” victory, but this did not make its value any less. You can also highlight the brightest match between the national teams of Belgium and Japan, which became one of the main decorations of the entire tournament. So, the quarterfinal pairs:

Uruguay - France

Brazil - Belgium

Russia - Croatia

Sweden - England

At this stage of the tournament there are no longer any “accidental passengers” left; the same Swedish team, which was written off from accounts since the qualification for the World Cup, has not yet fully revealed its potential, but first things first.

Uruguay - France

In Nizhny Novgorod on July 6, a battle of “heavyweights” is expected - wise and experienced Uruguay will try to resist young and bright France.

Team Dieu Deschamps The group passed through creaking, after which they left no stone unturned from Argentina. The 4:3 victory looks minimal only in terms of the score - the French outplayed Jorge Sampaoli's squad in every part of the field, and if necessary, they could have scored a few more goals. The only loss of the “tricolor” before the match with Uruguay is Blaise Matuidi, who played to the point of disqualification.

Uruguay marched through the group round with German pedantry, without losing a single point and without conceding a single goal. Uruguay's game can hardly be called powerful; Oscar Tabares' team ideally exploited the opponent's weaknesses. In the 1/8 finals, the “heavenly Olympians” knocked out Portugal, but lost one fighter - there is a high probability that Edinson Cavani will not play against the French.

Bookmaker quotes

Regarding bookmaker quotes - 1xBet highlights the favorites of the fight France, offering odds of 2.10 for her victory. Draw the bookmaker estimates odds of 3.22 for victory Uruguay a generous quote of 4.70 is offered.

1xBet does not believe in high-scoring football, offering odds of 2.72 for the “top” of the total, against the figure of 1.56 for its “bottom”. France's advance to the quarterfinals is estimated at 1.48, Uruguay - at 2.77.

Played brilliantly in the last meeting Kylian Mbappe, tearing the Albiceleste’s defense to shreds. Uruguay's defense isn't exactly young and fast, so it's only logical that Deschamps will ask the PSG star to pull off the same trick in the quarter-finals.

For Kylian Mbappe's goal, 1xBet offers odds of 3.20. However, there is an opportunity to make things a little more complicated and take advantage of this outcome - Mbappe will score and the French team will win. The probability of such an outcome is estimated by 1xBet at odds of 4.00.

Our experts have prepared reliable predictions for this match: total prediction: Uruguay individual total over (0.5) for 1.71, forecast for the outcome of the match: victory of the French team for 2.10. We recommend you read it.

Brazil - Belgium

Kazan has earned the honor of hosting such a battle as Brazil - Belgium on July 6th. Just the pronunciation already emanates South American passion and frantic Belgian passion, doesn’t it?

The Brazilians stumbled slightly in the first round against Switzerland, but overall they made it through the group stage without any problems. The public discussed more about the disappearance in Neymar acting talent, which helped me analyze the game of the “pentacampeons”.

In the 1/8 finals, Tite's team had to play with Mexico and it was expected that the audience at the Cosmos Arena in Samara would be in for a real show. However, Brazil did not allow their match to turn into a scoring spectacle with elements of drama, calmly observing the Mexicans' unsuccessful attempts to attack at the start of the match. After Mexico unleashed its excitement, the “pentacampeons” mercilessly strangled all attempts by the opponent to impose their game, and along with it, the intrigue. Brazil wins 2:0 and "buenos noches" Mexicans.

We can say briefly about the group stage and the performance of the Belgian national team there - nine points. In the 1/8 finals, Belgium also tried to beat the Japanese in class, but almost lost their place in the quarterfinals because of this. Everyone, including the defenders, had to save the sinking Titanic. As a result, class, contrary to popular belief, prevailed over order and Belgium ended up in the quarter-finals.

Bookmaker quotes

All the most reliable forecasts for the World Cup matches, as well as special materials from experts, can be found in a special section of our website, we recommend that you read it.