"There is no money, but you keep here": how to survive in retirement

2024 Author: Malcolm Clapton | [email protected]. Last modified: 2023-12-17 03:44

The next pension reform is planned in Russia. For those who are worried about their old age, we tell you how to independently save for the "third age", so as not to survive on one pension in the future.

The pension system in Russia is constantly changing. Now there are rumors that the next reform will happen next year. Many are skeptical about the very idea of retirement in old age; for others, the pension makes it difficult to cover only basic needs. But old age does not mean poverty. We will tell you about ways to save for retirement and how not to spend your old years without money.

How to save

Non-state pension funds

By law, the employer transfers 22% of your official salary to the Pension Fund of the Russian Federation. At the same time, 16% goes to the insurance part, and the remaining 6% goes to the accumulative part. You manage the funded part yourself and you can choose a non-state pension fund where your money is invested.

But in recent years, the profitability of NPFs has been lower than inflation, savings have been depreciating, so when choosing an NPF, it is worthwhile to learn more about the profitability in recent years. Also, pension savings must be insured.

Stocks and bonds

The stock market is a complex thing and more risky than NPFs and bank deposits, but more profitable. You can play on the stock market if you have a large amount of money. Brokerage and investment companies will help build a portfolio of assets and take over its management for a commission.

Bank deposit

The simplest advice is to open a deposit in a bank. But keep in mind that interest will often not cover inflation and money will still depreciate. On the other hand, a bank deposit is the safest investment. It is important that the bank is a member of the deposit insurance system. Then, even if the bank closes, you will receive your money back (up to 1.4 million rubles). If you have more than 1.4 million rubles, then distribute the funds to several banks participating in the deposit insurance system.

What to do in retirement

Many have a fear of retirement age. Will I find myself a part-time job? Will there be money for living? Taking into account the average pension of 12 thousand rubles, these are normal questions. But there is good news.

Thanks to the development of information technology, special labor exchanges and services have appeared, with the help of which pensioners can find work. There is a demand for nannies, pet carers, gardeners, home craftsmen. Communication between the customer and the contractor has been simplified so much that a pensioner with basic computer literacy can figure it out.

YouDo

The service allows you to find a simple one-time job. Customers publish tasks, such as delivering documents, fixing plumbing, or transporting cargo, and performers choose the tasks that suit them and agree to do them for a fixed amount.

On YouDo, a pensioner can find a one-time part-time job on minor repairs in an apartment, walking a dog or delivering things from point A to point B. There is a stable demand for such services, and nothing prevents you from earning money in this way in retirement.

Pomogatel.ru

"" Will help you find a part-time job or a permanent job as a nanny, nurse, housekeeper or tutor. If you have relevant experience (say, you worked in a kindergarten or school), then you can find a suitable job relatively quickly.

If you don't have such experience, then try to get it for free. For example, get a job in kindergarten as a part-time teacher or as a camp counselor. So you get experience and the right line in your resume.

Avito Jobs

"" - a special section of the free classifieds service with vacancies for both full and part-time employment. There you can not only find a part-time job as a nanny, nurse, home master, but also post your own resume.

Peshkariki

"" Is a pedestrian courier service operating in Moscow and St. Petersburg. The system is similar to YouDo: register, go through a check, select an order, execute it and receive money. You don't even need a personal car, most of the orders are for pedestrians.

Keep in mind that your current skills may not be needed in the future. Therefore, keep your nose to the wind and follow the main trends and trends. Be ready to retrain into a specialist in an area in which you have never worked.

For example, you have worked as a research assistant all your life. You can try to retrain in related areas: become a science journalist, tutor, and take up consulting. Or go to a completely different area - to become, for example, a carpenter.

All this will not require any super-efforts from you, but will provide tangible returns in the form of a stable part-time job and a normal life in retirement: instead of lying on the couch and waiting for your next meager pension, you will work and rely not only on the state, but also on myself.

How else to earn

Sell products

The most valuable resource is time. And there is more time in retirement. Why not spend it on starting your own little business? You can sell products that you grow on your site. Or open a bakery shop. Retirement is a great time to start something new.

If you don't want to bother with the registration of an individual entrepreneur or LLC, then the same products can be sold at fairs that periodically take place in any more or less large city.

Car sharing

Another interesting niche. If you often travel by car (at least 100 km, to the dacha), then you can at least return the money spent on gasoline by taking fellow travelers. Of course, this cannot be regarded as a permanent income, but you can save on fuel.

Sell your hobby

Handmade is all the rage now. If you love sewing, embroidery, beading, photographing, painting, singing, try to “sell” your hobby. If you do something with your own hands, open a simple online store or community on a social network. You can do the same with photography and singing. Create a business card site on a free template, collect (or ask someone to do) a landing page in Tilda.

Rent out your property

By the time you retire, you've probably acquired a property (hopefully). If you have free space, rent it out.

You can rent out a room, cottage, apartment or house on a monthly or daily basis using services such as Airbnb. Real estate itself is not a valuable asset, but it can be turned into a source of permanent income.

As you can see, with an effort, you can live with dignity in retirement. The main thing is to be ready to learn something new in time, use your skills and experience and be smart.