I would like to open an account for voluntary contributions, as I began to think that I do not have so much savings, but I would like to receive a larger pension. Where should I apply?
You made the right decision. Voluntary contributions are an additional opportunity to provide yourself with an adequate pension in old age. That is why it is important to form your pension capital now in order to have a financial safety cushion in the future. Moreover, starting from May 1, 2021, opening an individual pension account to account for voluntary pension contributions will not be easy, but very simple - the basis for this will be your first voluntary pension contribution received by the UAPF.
DPV can be transferred both by the depositor-an individual at the expense of his income in his favor, and by the depositor (an individual or a legal entity) in favor of the recipient. At the same time, the amount and frequency of contributions are determined by the depositor independently.
It should be noted that when an individual pays a DPA in his own favor at the expense of his income, the tax legislation provides for a tax deduction for the amount of the DPA paid.
In addition, starting from January 1, 2021, the personal income tax paid by the tax agent (employer) at the expense of its own funds in favor of the employee is deducted when calculating corporate income tax. At the same time, the amounts paid by the employer for the benefit of the employee are not taken into account when taxing the employee's income.
You can pay the DPV to the UAPF through second-tier banks (STB) or through Kazpost JSC. By the way, some banks provide the opportunity to transfer contributions online (via a mobile application or self-service terminals). In addition, it is possible to submit an application to the employer, on the basis of which the latter will regularly transfer the DPV to the UAPF in favor of the applicant or a third party.