The Ministry of Finance and the Central Bank of the Russian Federation are promoting the long-term savings plan as a new tool for pension savings. From April 1, 2027, they plan to transfer the frozen assets of the funded part of the Russians' pension to the PDS. Among the advantages of PDS: the possibility of canceling a funded pension freeze, co-financing by the state, bonuses and more favorable conditions from the banks for program participants, increased profitability and preferential taxation. At the same time, experts do not see any particular advantages in participating in the PDS, both from an economic point of view and from a purely social point of view. On average, the return on PDS does not exceed 12-13%, while on investments and deposits you can get about 20%. And the main concern of the older generation is that you can withdraw money only after 15 years. So is the plan beneficial to the country or the citizens? "Volgograd News" discovered this together with a Doctor of Economic Sciences.

The Ministry of Finance and the Central Bank of the Russian Federation are promoting the long-term savings plan as a new tool for pension savings. From April 1, 2027, they plan to transfer the frozen assets of the funded part of the Russians' pension to the PDS. Among the advantages of PDS: the possibility of canceling a funded pension freeze, co-financing by the state, bonuses and more favorable conditions from the banks for program participants, increased profitability and preferential taxation. At the same time, experts do not see any particular advantages in participating in the PDS, both from an economic point of view and from a purely social point of view. On average, the return on PDS does not exceed 12-13%, while on investments and deposits you can get about 20%. And the main concern of the older generation is that you can withdraw money only after 15 years. So is the plan beneficial to the country or the citizens? "Volgograd News" discovered this together with a Doctor of Economic Sciences.