Our working fellow citizens want to have pension payments of almost 50 thousand rubles
For complete happiness, the average working Russian needs to have a “dream pension” in the amount of 47.6 thousand rubles per month. Analysts came to this conclusion as a result of their research. We remind readers that from this year the average old-age pension has been indexed by 7.5% and amounts to 23,449 rubles.
Many factors influence the size of the desired pension. In particular, the place of residence — the closer to Moscow, the higher the appetites of Russians.
Another study conducted by a well-known recruitment resource showed that the amount of payments upon retirement depends on gender. So, women want 46.7 thousand rubles, and men “request” 2 thousand more, apparently for a traditional nest egg.
Young fellow citizens under 35 speak out about 46 thousand, and those over 45 would like almost fifty dollars. To be more precise, 49.1 thousand rubles.
Of course, the monthly income of a potential pensioner also matters. The higher it is, the greater ambitions working Russians show.
However, in general, taking into account all factors — 47.6 thousand rubles. This is, so to speak, the average temperature in the hospital.
Even last year, such a pension could rightfully be called unrealistic, simply a utopia. Well, how can you jump from the current 23 thousand to 50? As much as 27 thousand? No way, there are no miracles in the world.
But already this year a certain life preserver has appeared, which inspires certain hopes. It is called the Long-Term Savings Act and came into force on January 1, 2024.
Its essence is that investors who choose this savings system will be able to deposit part of the funds into their accounts themselves, and the state will add the other part to them. The citizen wins because he receives money from the federal budget. And the country’s economy, which receives “long-term money.”
Russians must make contributions to non-state pension funds. And the savings can be used by them after 15 years of participation in the program. Upon reaching 55 years of age for women and 60 years of age for men.
The law notes that the state helps the citizen participating in this project for the first three years. And the maximum amount of co-financing can be no more than 36 thousand rubles per year, that is, 3 thousand rubles per month. Well, then the investor goes on an autonomous financial voyage for 12 years.
Will he be able to earn his dream pension during this period, to save up from 23 thousand rubles a month to 48-50 thousand in 15 years? We ask Doctor of Economic Sciences, Professor of the Financial University under the Government of the Russian Federation Alexei Zubets about this.
— Maybe, he thinks, but then he will have to invest quite a lot of money in this program. Much more than those invested in tax deductions or co-financing from the state.
— I can’t say for sure, I didn’t count. But in any case, it’s two to three tens of thousands of rubles a month. That is, with a high level of income among Russians, there is such a theoretical possibility: after 15 years, a participant in the program can receive his “dream pension.”
Another thing is that the old-age payments desired today will be completely different in 15 years. other money. It cannot be ruled out that, taking into account inflation, the “dream pension” at that time will reach 90-100 thousand rubles.
The main thing in this program is the return on investment in non-state pension funds. Will it be sufficient to cover the level of inflation?
There is no such certainty. This raises the question: how many people will want to participate in this project and contribute money for 15 years? There is a feeling that there will not be very many such volunteers in the country. The risks are too great. We don’t know what will happen in the economy in a year or two, and even more so we cannot predict what will happen in 15 years.
— There is no need to worry about this. Non-state pension funds cannot go bankrupt; now there is guaranteed investment protection. As I already said, the question is different: will the income from the activities of a non-state fund be able to cover the level of inflation.