Investing in retirement, to secure old age

We all live day to day, caring little about the future and trying not to think about the problems of the time when we will have to put it mildly, not twenty-five, and when the pension will be almost the sole source of income for your pension - an alternative to poverty for people in an age when they have neither the physical nor the moral strength to make, as before. And the main thing is - on time, that is now making the right choice in the allocation of funds, now shape the future of retirement savings, in other words, invest for old age. At its core investments in retirement - is the financial foundation of stability, providing an age worthy. Nowadays you can not count on the state as a guarantor to pay and a decent social security system. The state system itself has repeatedly compromised: pension curtailed the amount not timely paid, and even its increase was not proportional to the growth of prices in the country. This is the budget of the costs, which are constantly striving to minimize, unfortunately, not always compatible, even with the cost. In our country, pension reform has not occurred, all payments of the population concentrated in the public fund, so there is a certain crisis and lost the trust of citizens to this form of accumulation of their savings. Although lately there is a tendency to a gradual shift to private pension programs. Revealing in this case would be and foreign experience. Thus, the socially-oriented countries (Sweden, Norway) tax deductions to the budget of the country make up 60% of the income of citizens, but the return may reasonably require a high level of pension provision, infrastructure development. And a decent health care and pensions allow the Scandinavians to live as Europeans in Japan for several centuries a system of lifetime employment, assuming the employee in the corporation throughout his life and the passage of a career path within the company. Undoubtedly, such a model to build a business has many advantages, however, pension funds are formed mainly at the expense of the working population, which leads to inefficient use of financial resources. From the budget to maintain the pension system are allocated huge subsidies, but has long been clear that this form of pension provision has exhausted itself. The Japanese - a nation of long-livers, and sooner or later, this article of the state budget could undermine the country's economy. So, you've come to the conclusion that the assistance offered by your state for a comfortable old age you will not be enough to start investing in retirement. Before you start saving for your future retirement savings, calculate rationally whether you're spending money the family budget, there are no expenditures that consume most of your savings, which can be painlessly cut. At least, try to spend less on consumption in order to save time while you do not have additional sources of income that you can use to accumulate savings. There are many ways to reach financial stability in the future, the choice is yours. Diversify your investments to be less dependent and vulnerable to changes in market conditions, to which you are. For this purpose, use different financial instruments: bank deposits, insurance policies, contributions to private pension funds or acquire precious metals (gold is always a price) One of the most popular in our country, financial institutions, which recently increased the confidence of citizens, are banks. For the bank, your future pension - a saving deposit with fixed interest rate, guaranteeing the maximum rate of return, subject to constant replenishment and the lack of collection of contributions. For several years, banks have demonstrated consistently high growth yield on deposits, though the global financial crisis could change this favorable trend for investors to completely the opposite, though opponents say the banks increase interest on deposits insignificant compared to the soaring inflation and choose other ways of generating income for the future. For example, insurance companies provide life insurance and pensions, that is a specific product on the market of financial services. Under a contract with the insurers you can get all the insurance amount owed to you as soon as you reach retirement age, or choose a system of annuity payments (in this case the pension is paid until the end of life, and monthly deductions expects the insurance company). Also included