A project for the automatic transfer of pension savings to PDS has been submitted to the State Duma, the Ministry of Finance reported. The new rules could come into effect as of April 1, 2027. At the same time, the insurance pension, length of service calculation procedure and individual pension coefficients will not change, and funded pensions already allocated will continue to be paid under the same conditions. What will change for citizens: additional payments. PDS participants will be able to receive money in special life circumstances - for example in case of loss of a breadwinner or need for expensive treatment. Co-financed by the state. During 10 years, the state will be able to add up to 36 thousand rubles to savings. every year tax discounts It will be possible to receive a deduction of up to 400 thousand rubles. every year Inheritance and choice of payments. You can transfer money by inheritance, and choose independently the terms and methods of receiving payments. Safety guarantees. Personal contributions and cumulative income will be protected up to 2.8 million rubles. Transferred pension savings and state co-financing are fully guaranteed, taking into account investment income. Capital for maternity. Maternity capital funds previously allocated to funded pensions will also be transferred to PDS. During the transition period, they can be returned to birth capital or used for other purposes stipulated by law. How the funds will be managed: For citizens whose savings are in the Social Fund of Russia, an authorized non-state pension fund will be created with mandatory state participation. The funds will be managed, as now, by VEB. RF. The Ministry of Finance promised that the savings would continue to be invested according to conservative principles. The activity of NPFs will be regulated by the Bank of Russia, and client funds will remain separate from the assets of the funds themselves. For those who have already deposited pension savings in NPF, PDS accounts will be opened in previously selected funds.

A project for the automatic transfer of pension savings to PDS has been submitted to the State Duma, the Ministry of Finance reported. The new rules could come into effect as of April 1, 2027. At the same time, the insurance pension, length of service calculation procedure and individual pension coefficients will not change, and funded pensions already allocated will continue to be paid under the same conditions. What will change for citizens: additional payments. PDS participants will be able to receive money in special life circumstances - for example in case of loss of a breadwinner or need for expensive treatment. Co-financed by the state. During 10 years, the state will be able to add up to 36 thousand rubles to savings. every year tax discounts It will be possible to receive a deduction of up to 400 thousand rubles. every year Inheritance and choice of payments. You can transfer money by inheritance, and choose independently the terms and methods of receiving payments. Safety guarantees. Personal contributions and cumulative income will be protected up to 2.8 million rubles. Transferred pension savings and state co-financing are fully guaranteed, taking into account investment income. Capital for maternity. Maternity capital funds previously allocated to funded pensions will also be transferred to PDS. During the transition period, they can be returned to birth capital or used for other purposes stipulated by law. How the funds will be managed: For citizens whose savings are in the Social Fund of Russia, an authorized non-state pension fund will be created with mandatory state participation. The funds will be managed, as now, by VEB. RF. The Ministry of Finance promised that the savings would continue to be invested according to conservative principles. The activity of NPFs will be regulated by the Bank of Russia, and client funds will remain separate from the assets of the funds themselves. For those who have already deposited pension savings in NPF, PDS accounts will be opened in previously selected funds.