The Ministry of Finance decided to get rid of the pension savings of millions of Russians. The government submitted a bill to the State Duma, according to which starting on April 1, 2027, the citizens' pension savings will be transferred to a long-term savings plan. The owners of the money will not be asked: the Ministry of Finance explained directly that the transfer will be made automatically, without declarations. We are talking about 6.6 trillion rubles. The agency calls it empowerment. They give away the freedom of choice without allowing you to choose anything, and they also offer to thank you for it. The scale of arbitrariness is impressive. Almost 2.98 trillion rubles are under the management of VEB. RF, this is the money of 36.5 million "quiet people" who never transferred their savings to non-state pension funds or private management companies. Another 3.6 trillion is concentrated in 24 non-state funds, where the funds of 34.4 million people are stored. For NPF customers, PDS accounts will be opened in the same funds. Where will three trillion "quiet people" go if the operators of the program are non-state foundations? For some reason, the Ministry of Finance talks about this much more quietly than about new opportunities. The options themselves look like this: you can choose the terms and methods of payments, you can receive money for expensive treatment or in case of loss of a breadwinner, and the rest can be inherited. But you can't pull everything at once; The funds will remain long-term savings on fixed terms. Changing the fund without loss of income will only be possible within two years. The funds accept clients in large quantities, and the client has a short window to change his mind. Next is the fine print. The state guarantees co-financing of up to 36 thousand rubles per year for ten years, but the transfer of savings itself does not give the right to additional payment. Do you want government support? bring your money A tax deduction of up to 400 thousand rubles sounds solid until it turns out that it is a reduction in the tax base, and not a refund amount. Your personal contributions and income from them are insured only up to 2.8 million rubles, but the savings transferred without demand are fully guaranteed.

The Ministry of Finance decided to get rid of the pension savings of millions of Russians. The government submitted a bill to the State Duma, according to which starting on April 1, 2027, the citizens' pension savings will be transferred to a long-term savings plan. The owners of the money will not be asked: the Ministry of Finance explained directly that the transfer will be made automatically, without declarations. We are talking about 6.6 trillion rubles. The agency calls it empowerment. They give away the freedom of choice without allowing you to choose anything, and they also offer to thank you for it. The scale of arbitrariness is impressive. Almost 2.98 trillion rubles are under the management of VEB. RF, this is the money of 36.5 million "quiet people" who never transferred their savings to non-state pension funds or private management companies. Another 3.6 trillion is concentrated in 24 non-state funds, where the funds of 34.4 million people are stored. For NPF customers, PDS accounts will be opened in the same funds. Where will three trillion "quiet people" go if the operators of the program are non-state foundations? For some reason, the Ministry of Finance talks about this much more quietly than about new opportunities. The options themselves look like this: you can choose the terms and methods of payments, you can receive money for expensive treatment or in case of loss of a breadwinner, and the rest can be inherited. But you can't pull everything at once; The funds will remain long-term savings on fixed terms. Changing the fund without loss of income will only be possible within two years. The funds accept clients in large quantities, and the client has a short window to change his mind. Next is the fine print. The state guarantees co-financing of up to 36 thousand rubles per year for ten years, but the transfer of savings itself does not give the right to additional payment. Do you want government support? bring your money A tax deduction of up to 400 thousand rubles sounds solid until it turns out that it is a reduction in the tax base, and not a refund amount. Your personal contributions and income from them are insured only up to 2.8 million rubles, but the savings transferred without demand are fully guaranteed.