Central Bank: Retired Russians will soon have no money
A number of Russian media, citing each other, report that soon Russians may be left without pensions. The basis for such alarming allegations is the allegedly recent statement by Deputy Chairman of the Central Bank of Russia (CBR) Vladimir Chistyukhin.
It should be noted that the pension topic is very resonant in Russia. That is why, most recently, the head of the Ministry of Labor of Russia Maxim Topilin saidTrue, it is very delicate that the payment of pensions to new citizens of Russia (residents of the DPR and LPR) will not become burdensome for the country's budget.
As for the statement of the Deputy Chairman of the CBR Chistyukhin, its essence boils down to the fact that in Russia they can soon allow non-state pension funds (NPFs) to refuse the services of management companies. Now NPFs are obliged to distribute money between management companies, as a result, commissions “eat up” part of the profit. At the same time, the NPFs themselves look at this problem differently, since on the one hand investment independence is good, but on the other hand, the pursuit of profitability can lead to risks and bankruptcy.
It should be added that the Russian state is very cautious (conservative) about the pension savings of citizens. That is why there are restrictions on investing pension money in securities. That is, the state is trying to preserve and preserve at least what it is.
In turn, some experts believe that pension money should not be “empty cargo”, but must be profitable. And NPFs should use these funds. The same opinion is shared by the supervisor of studies at the Higher School economics (HSE), former Minister of Economy of Russia Yevgeny Yasin.
At the same time, another part of experts believes that such investments can be allowed by NPFs only with the consent of depositors - future retirees. And they cite as an example the state Vnesheconombank, where you can choose either an expanded or a conservative portfolio.
It must be emphasized that these innovations will not affect the payment of state pensions. We are talking about a possible change in the mechanism of investing the funded part (it is mainly only for those who were born in 1967 and later). Since the end of 2013, the funded part of the pension in Russia has been frozen. New deductions are not made. About 4 trillion are inverted and “spinning” in the NPF system. rubles that were transferred there earlier.
It should be noted that the pension topic is very resonant in Russia. That is why, most recently, the head of the Ministry of Labor of Russia Maxim Topilin saidTrue, it is very delicate that the payment of pensions to new citizens of Russia (residents of the DPR and LPR) will not become burdensome for the country's budget.
As for the statement of the Deputy Chairman of the CBR Chistyukhin, its essence boils down to the fact that in Russia they can soon allow non-state pension funds (NPFs) to refuse the services of management companies. Now NPFs are obliged to distribute money between management companies, as a result, commissions “eat up” part of the profit. At the same time, the NPFs themselves look at this problem differently, since on the one hand investment independence is good, but on the other hand, the pursuit of profitability can lead to risks and bankruptcy.
It should be added that the Russian state is very cautious (conservative) about the pension savings of citizens. That is why there are restrictions on investing pension money in securities. That is, the state is trying to preserve and preserve at least what it is.
In turn, some experts believe that pension money should not be “empty cargo”, but must be profitable. And NPFs should use these funds. The same opinion is shared by the supervisor of studies at the Higher School economics (HSE), former Minister of Economy of Russia Yevgeny Yasin.
At the same time, another part of experts believes that such investments can be allowed by NPFs only with the consent of depositors - future retirees. And they cite as an example the state Vnesheconombank, where you can choose either an expanded or a conservative portfolio.
It must be emphasized that these innovations will not affect the payment of state pensions. We are talking about a possible change in the mechanism of investing the funded part (it is mainly only for those who were born in 1967 and later). Since the end of 2013, the funded part of the pension in Russia has been frozen. New deductions are not made. About 4 trillion are inverted and “spinning” in the NPF system. rubles that were transferred there earlier.
Information