Experts estimate the likelihood of accumulating a “dream pension” from a young age: miracles do not happen

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. Let us remind readers that starting 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 who are over 45 would like almost fifty dollars. To be more precise, 49.1 thousand rubles.

Of course, the monthly income of a potential retiree 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.

Just 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 gives us some hope. It is called the Long-Term Savings Act and came into force on January 1, 2024.

Its essence is that investors who have chosen 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 economy of the country that 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 that are invested in tax deductions or co-financing from the state.

– How much, for example?

– 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, Russians have the following theoretical possibility: after 15 years, a program participant can receive their “dream pension.”

Another thing is that the old-age payments desired today will represent completely different money in 15 years. It cannot be ruled out that, taking into account inflation, the “dream pension” at that time will already reach 90-100 thousand rubles.

The main thing in this program is the profitability of investments in non-state pension funds. Will it be sufficient to cover the inflation rate?

There is no such confidence. 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.

– Non-state pension funds themselves do not inspire much confidence among Russians. Our money will burn through – and then look for it somewhere in Western Europe. How many such cases have happened…

– You don’t have 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.