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Today, the Executive Branch approved the regulation on the law, which creates minimum pensions and promotes alternative voluntary contributions for pension purposes in the private pension system.
With this law workers You will be able to set a savings goal during your investment years. Once this goal is reached, the excess amount in your AFP fund may be withdrawn.
What does the regulation say?
The regulation states that AFP affiliates may benefit from Target Minimum Pension (PMO)the amount of which is set by the affiliate and cannot be less than the Basic Consumption Basket (BBC), which, according to INEI, is about SGD 378 per month per person.
It should be added that this minimum pension is subject to change at any time and this election may also be revoked.
If the contributor takes advantage of this measure, the AFP is required to inform the affiliate of the characteristics of this PMO, the calculation of the required minimum retirement balance, its adjustments due to changes in the affiliate’s family group, nurturing benefits, and the minimum retirement balance (SMJ) surplus.
This minimum balance value is updated until the time the partner claims their old age pension. retirement.
How is the minimum pension claim made?
The ruling states that upon retirement, the affiliate must require that the payment be made under the Target Minimum Pension (PMO) regime.
“The AFP then assesses whether the affiliate has a Minimum Retirement Balance (SMJ) in accordance with the funds available in the individual capitalization account (CIC) to pay the pension in accordance with the programmed withdrawal modality,” specify.
If you are told that you have an extra amount, you are free to dispose of the said amount. Resourcesmake a transfer to your AFP voluntary contribution account for no retirement purpose, or request a payout and issue negotiable guarantees before all of that.
“A negotiable guarantee is entered into between a member and its creditor, and once the latter has withdrawn excess funds in respect of the SMJ, it is subject to the regulation of movable guarantees for its establishment and for its negotiation by way of assignment or other forms of transaction processing customary in the commercial field,” — they add.
If the partner refuses this foster family, they can choose to pay their pension using one of the current methods or request a withdrawal of up to 95.5% of the funds from their account, as is currently done.
Keep in mind that this minimum pension It is affected by a 4 percent contribution to access to health benefits.
Source: RPP
I’m Liza Grey, an experienced news writer and author at the Buna Times. I specialize in writing about economic issues, with a focus on uncovering stories that have a positive impact on society. With over seven years of experience in the news industry, I am highly knowledgeable about current events and the ways in which they affect our daily lives.