Пенсионно осигуряване

Пенсионно осигуряване

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Do you know which your pension insurance company is?

By choosing a pension fund, you decide how your money for a second pension is managed, as well as the quality of service you get.

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How much money do I need to retire?

To achieve your goals for going on a pension, it is crucial that you start saving as early as possible. You have to follow three major steps: planning, management and saving.

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The three-pillar pension system in Bulgaria

  • 1st Pillar

    State social security
    • Pay-as-you-go principle

      Pay-as-you-go principle

      The State pension insurance system, in which the contributions of the insured persons are deposited in a general fund and are used to cover the expenses for the pensions of the present pensioners. This is the principle the State Social Security applies to form the 1st pillar of the pensions system.

    • Contributions determined by the State Social Security Budget Act
    • Managed by the state: Fund “Pensions”

      Managed by the state: “Fund “Pensions”

      The first pillar of the pension system is managed by the state. The budget of The State Social Security is approved by the Budget for State Social Security Act and is in force for one calendar year (January 1st- December 31st), and in the act, budgets of the “Pensions”, "Pensions Unrelated to Work", “Accidents at Work and Occupational Diseases”, “General Disease and Maternity” and “Unemployment” funds are specified. Each of the funds is financed from specific sources and is spent for special purpose payments.

  • 2nd Pillar

    Supplementary mandatory insurance
    • Fully funded principle

      Capital principle

      This is a principle of insurance, according to which the amounts are accumulated on an individual account of the insured person and are his/ her property. The amount of the pension is determined based on the funds accumulated on the account and in compliance with the regulations in the respective pension fund. This is the working principle of the funds for supplementary pension insurance.

    • Defined contributions

      Defined contributions

      In the schemes with defined contribution, the amount of payments after acquiring the right to a pension is not predetermined. The amount depends, all other terms equal, on the amount of the contributions, the term of insurance, and the level of yield from investing the funds of the pension scheme.

    • Supplementary mandatory pension insurance is implemented through two types of pension funds: Universal pension funds and Professional pension funds.
  • 3rd pillar

    Supplementary voluntary insurance
    • Capital principle

      Capital principle

      This is a principle of insurance, according to which amounts are accumulated on the individual account of the insured person and are his/ her property. The amount of the pension is determined based on funds accumulated on the account and in compliance with the regulations in the respective pension fund. This is the working principle of the funds for supplementary pension insurance.

    • Defined contributions

      Defined contributions

      In the schemes with defined contribution, the amount of payments after acquiring the right to a pension is not predetermined. The amount depends, all other terms equal, on the amount of the contributions, the term of insurance, and the level of yield from investing the funds of the pension scheme.

    • Voluntary pension funds

      Voluntary pension funds

      Insurance with a voluntary pension funds is a flexible way to accumulate money, which makes it possible to receive an additional pension. The amount of the pension depends greatly on the amount and periodicity of the contributions made, as well as the yield achieved by the management of the funds in the account, the term of insurance and the deductions made by the pension insurance company.

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Последна промяна на: 07.07.2017 г.