The funded pension will retire": the Ministry of Finance offered her a replacement. The funded part of the pension, credited to the employees' personal accounts, was frozen at the end of 2013. All the money stays there. They have been accumulating investment income all this time. And now 6.6 trillion rubles have accumulated there. But, first, the system turned out to be very inflexible. Depending on the amount of savings, either the pensioner is given the entire amount at once, or the payments are spread out over a lifetime (here the increase turned out to be small). Second, if a person managed to arrange a lifetime payment and received at least one monthly payment, in the event of death, all the money did not go to the heirs, but went into the joint fund of the pension fund. The government thought about how to revive this pension savings system. And in 2024, they launched a Long Term Savings Plan (LSP). The Ministry of Finance saw that there was interest in this program and decided to cancel the old system and merge all its participants into the new system: those who keep their savings in a certain NPF and have not yet opened the PDS program will remain there. Only now it will be a new shell. Those who keep money from the VEB management company. RF ("Quiet") will be transferred to the general fund. Then, within two years, they will be able to choose which NPF they want to transfer their PDS account to. As they promise, this can be done through the state services portal. For now it's just a bill. The State Duma will have to adopt it by the end of the year. And it entered into force on April 1, 2027.

The funded pension will retire": the Ministry of Finance offered her a replacement. The funded part of the pension, credited to the employees' personal accounts, was frozen at the end of 2013. All the money stays there. They have been accumulating investment income all this time. And now 6.6 trillion rubles have accumulated there. But, first, the system turned out to be very inflexible. Depending on the amount of savings, either the pensioner is given the entire amount at once, or the payments are spread out over a lifetime (here the increase turned out to be small). Second, if a person managed to arrange a lifetime payment and received at least one monthly payment, in the event of death, all the money did not go to the heirs, but went into the joint fund of the pension fund. The government thought about how to revive this pension savings system. And in 2024, they launched a Long Term Savings Plan (LSP). The Ministry of Finance saw that there was interest in this program and decided to cancel the old system and merge all its participants into the new system: those who keep their savings in a certain NPF and have not yet opened the PDS program will remain there. Only now it will be a new shell. Those who keep money from the VEB management company. RF ("Quiet") will be transferred to the general fund. Then, within two years, they will be able to choose which NPF they want to transfer their PDS account to. As they promise, this can be done through the state services portal. For now it's just a bill. The State Duma will have to adopt it by the end of the year. And it entered into force on April 1, 2027.