The pension co-financing program is a scam. What is the state pension co-financing program and what is its essence? Special conditions for co-financing pension savings

Those who applied to join the program by December 31, 2014 and made their first payment by January 31, 2015. Within 10 years from the date of payment of the first installment under the program, it is possible to receive co-financing from the state.

Choose the payment method that is most convenient for you:

Through the employer

The most convenient way to transfer contributions is through your employer*, instructing him to withhold additional insurance premiums from your salary. In this case, you can take advantage of receiving a social tax deduction through your employer.

To pay contributions through the employer, you just need to submit an application to the accounting department of your enterprise (organization) indicating the amount and frequency of withholding contributions. Based on your application, contributions will be transferred by the employer to the FIU.

You can change the amount of contributions and the frequency of their payment at any time by submitting a new application to the accounting department.

* Art. 7, Federal Law No. 56-FZ of April 30, 2008 (as amended of November 4, 2014 No. 345-FZ) "On additional insurance premiums for funded pension and state support for the formation of pension savings".

On one's own

Payment of contributions can be made independently in any bank.

Details for paying additional insurance premiums to the Pension Fund you can get:

• on the official website of the PFR (in the section "electronic services");
• in the territorial body of the PFR at the place of residence.

It is important to remember that it is necessary to transfer contributions to the FIU, therefore, copies of payment documents after self-payment of contributions are provided by you to the territorial body of the PFR. According to Federal Law No. 56-FZ dated April 30, 2008 “On additional insurance premiums for funded pensions and state support for the formation of pension savings”, after accounting for funds on an individual personal account with the PFR, the funds will be transferred to NPF GAZFOND pension savings JSC.

All people want to get extra points and pension provision. But not everyone knows how to do it right. To begin with, it is necessary for any person to familiarize themselves with all the nuances and features of the procedure.

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What it is

Co-financing of pensions is a measure of social support for people, which made it possible to increase cash payments through state compensation. To obtain this opportunity, it was necessary to use the program until the end of 2014.

In the period 2008-2014, it was necessary to submit an application of the established form. Only the person who has already made an initial contribution before 2020 can become a participant in the offer.

The state project made it possible to receive increased pension subsidies for the funded part. When transferring 2,000, this amount was doubled at the expense of budgetary funds. The enrollment of participants ended at the end of 2020.

The main characteristic of the proposal was the formation of pensions through the introduction of additional insurance.

Accordingly, in addition to the employer, the government formed the payment Russian Federation. For this special purpose, the National Welfare Fund was specially created.

All payments that are credited to the account under this offer are transferred by the citizen to investments voluntarily.

You can choose as an investor:

1. managing organization – Vnesheconombank;
2. a commercial institution that performs a similar function;
3. a private pension fund is possible.

If the application of the established form was submitted before the end of 2014 and at the same time the pensioner was already receiving pension provision, then the contributed capital will be increased, but there will be no co-financing from the budget.

The basis for providing such functionality is the deposit of funds in the amount of 2–12 thousand rubles for the past year. In this case, the additional capital of the employer does not matter.

Any citizen who has submitted an application of the established form within the previously agreed deadlines can become a participant in this project.

Co-financing is carried out upon application to the Pension Fund of the Russian Federation, if it was provided before April 20 of the next year. Within 10 days after receiving an application from the Pension Fund of Russia, funds are transferred to a personal account in the selected investment organization.

Conditions

Any citizens who have submitted an application within the previously agreed time frame can become a participant in this project. And accordingly, they must make at least one contribution to the funded part of the pension.

Additional promotions and conditions are valid for citizens who have reached the retirement age limits, but have not previously applied to the Pension Fund of Russia for the accrual of security.

Co-financing for this contingent of citizens increases by 4 times. But at the same time, the maximum amount is set at 48,000 rubles. In other words, if a person transfers 12,000 rubles in a year, then co-financing will help increase the amount in the savings account to 60,000 rubles.

The project does not apply to pensioners who are still working. Such citizens cannot participate in the program at all. Until the end of 2014, the state allowed all people who met the conditions of the offer to receive co-financing.

Transfer funds toaccumulativeAny person or organization can account, but co-financing is available only to certain people:

1. those who receive insurance or funded types of security;
2. is not considered a retired judge and does not receive monthly life compensation.

The restriction does not apply to a soldier, employees of the Internal Affairs, as well as the Federal Punishment Service, firefighters. If a person submitted an application of the established form before the innovations, then he can apply for the project even if he receives a security.

How does the pension co-financing program work?

The pension co-financing program in 2020 allows you to receive an increase in the funded part of the provision.

Until what year is it valid

It is valid for those who applied before the end of 2014. The project does not apply to the rest.

How to receive the money

To do this, you must write an application of the established form and submit the relevant documents to the authorized body. Then you can send money to any investment company of your choice.

How to exit the program

To exit the program, you must write an application in the prescribed form and also submit it along with the documents to the Pension Fund of the Russian Federation. A decision on this issue will be known within 10 days.

This project has continued to exist to this day. There are already more than 8 million participants in the program. The amount of the contribution is now 2-12 thousand rubles.

The payment can be through a banking institution or through an employer:

1. through a banking institution. You can get the details for the transfer at the Pension Fund of the Russian Federation at the place of registration or residence. Funds can be transferred both in a lump sum and in installments throughout the reporting period. For the transfer, you need to check for the correctness of the preparation of the payment, where to indicate the last name, first name and patronymic, as well as SNILS;
2. through the employer, payments can only be made upon a written application, where the amount of the payment is indicated. If the payment of contributions is not made, then after a while it is worth re-submitting an application of the established form.

A participant in this offer can receive an amount of up to 12 thousand per year. It is possible to issue a deduction through the company's accountant. That is, the payment of contributions occurs without waiting for the reporting year, as it was previously possible. Now you need to apply for a tax payment.

This can also be done through the Federal Tax Service at the address of registration or residence. But this is only possible after a total of 1 or 2 years.

For registration, it is necessary to submit a complete package of documents, including:

1. declaration in form 3 personal income tax;
2. certificate of profitability for a specific period of time in the form of 2 personal income tax;
3. a copy of the individual tax number and an identity document;
4. application of the established form;
5. details for the transfer of funds;
6. various payments that will confirm the payment;
7. certificate from the place of employment to indicate the amount paid.

Video: State program

Payment procedure in 2020

A citizen has the right to receive funds only after a personal application for the appointment of pension provision for an urgent payment or a funded part of a pension, as well as with a lump-sum payment of accumulation.

Already at the beginning of 2015, the procedure for receiving the last payment has changed somewhat. All citizens who have insurance, as well as who have made a lump sum payment, can apply for it only 5 years after the initial application.

The countdown is made only after the moment of applying for payment after 2015.

If there were no payments in the presented year, but funds were received, then you can apply in 2020. You can receive funds in the amount of 48,000 rubles only if you make the maximum payment in cash for the previous two years.

Inheritance

All funds on savings can be paid to heirs or legal successors. As soon as a person dies, even without having issued a pension, the assignee is entitled to receive an urgent payment. That is, the heir receives either part of the security, or all the savings.

The participant has the right to independently determine the legacy in advance in the event of his death. To do this, you need to write an application of the established form to the Pension Fund of the Russian Federation, where you indicate the last name, first name and patronymic, as well as dates of birth and passport information.

Changes have been made to the program on state co-financing of pension savings, which is popularly called "a thousand per thousand". First of all, they will affect pensioners who have decided to take part in this program. But not everyone. What exactly has changed in the program, and who exactly will it affect, Irina Zverzheeva, manager of the Pension Fund of the Russian Federation in the Khabarovsk Territory, said.

New pension rules

The law on state co-financing of pension savings has been in force in Russia since October 1, 2008. After October 1, 2013, the law regarding entry and down payment ceased to have effect, and all citizens who did not take advantage of this opportunity, in general, expected the extension of the program. And so, on November 4, President Vladimir Putin signed the law “On Amending the Federal Law “On Additional Insurance Contributions to the Accumulative Part” labor pension and state support for the formation of pension savings”.

According to the amendments, those citizens who did not enter the program by October 1, 2013 can do so by December 31, 2014. The next condition is that before January 31, 2015, the citizen who wrote the application must make the first payment in order to activate the program in relation to himself.

But, as Irina Zverzheeva explained, among those who had previously decided to join the pension savings co-financing program, there are many who wrote an application, but did not make a single contribution. And therefore they are participants of the program only nominally.

The Khabarovsk branch of the Pension Fund states that out of 177,855 citizens who entered the program in the Khabarovsk Territory, only 11 percent complied with this condition - that is, they wrote an application and made the first payment.

The new law gives 89 percent of nominee program participants a fix. To activate the program for themselves, they must make the first installment by January 31, 2015.

As before, contributions can be paid both through the employer and independently through the bank by filling out a receipt, or at the payment terminal using a special document with a barcode.

The amount of contributions must be at least 2,000 rubles - then the state will allocate the same amount for co-financing. If less than 2,000 rubles are deposited, co-financing is not allocated, but the money is credited to the citizen's individual account. The maximum amount of co-financing is 12,000 rubles. Everything that is contributed in excess of this amount is not co-financed, but it is credited to the account.

State co-financing is carried out for the next year in May (for 2014 in May 2015), when all accounting of voluntary additional contributions paid during the year is made, they are posted to personal accounts. And then co-financing comes from the federal budget, the allocated funds are also posted to the personal accounts of the participants in the co-financing program.

What has changed with the adoption of the new law in the program itself?

The state will not co-finance payments made by a program participant if he is a pensioner. But this innovation does not apply to program participants who are pensioners who entered before this law, that is, before October 1, 2013. With respect to their co-financing of the state remains.

Pensioners through power structures cannot count on state co-financing either.

The timing of the payment of pension savings in the form of lump sum payment. If earlier a program participant could receive a lump sum payment once a year, then from January 1, 2015 this right will be granted once every five years.

How many more people in the Khabarovsk Territory can the program supposedly cover and what explains the time limits - joining by December 31, 2014 and the first installment by January 31, 2015?

It is impossible to calculate how many more citizens will express a desire to take advantage of the opportunity to join the program, but we have many such cases when, within the framework of the current law, people wrote an application, but did not make the first payment. And now they have the opportunity to make a down payment to activate the program.

What will be the result, we will know in early February.

Those who join the program in December, when should they make a contribution?

And for those who joined the program before October 2013, but did not make a payment, and for those who join the program in December, the program begins to operate from the moment of the first payment. The possibility of paying the first installment is limited on January 31, 2015.

However, if a person joins in December and immediately, in December, makes the first contribution, his co-financing program will start from 2014. In May 2015, following the results of 2014, the contribution will already be co-financed by the state.

And a citizen can make regular payments at any time during 2015 - because this will be the second year of his co-financing. It is convenient to make contributions monthly: 2000 rubles per month, total for the year 12000 rubles.

If a pensioner already received a lump sum payment in 2014 and continues to pay, can he apply for this payment in 2015, due to the fact that under the new law this can be done once every five years?

The five-year term will be calculated from 2015, so in 2015 the pensioner will still have the opportunity to receive a payment based on the results of 2014, but the next payment - only after five years.

Will employers continue to co-finance future pensions as a third party?

The law provides an opportunity for employers to become participants in the program for the benefit of their employees. Their contributions are unlimited. But we have only five employers in the region who co-finance their employees.

Sometimes citizens doubt: is there any co-financing from the state?

Yes, it is carried out all the years allotted for the program. In 2014, in May, co-financing was provided for the Khabarovsk participants of the program, as in previous years.

In the regional branch of the PFR, more than 144 million rubles were allocated to personal accounts, allocated from the state budget to co-finance additional pension contributions. At the same time, 147 million rubles were received from citizens.

Why such difference?

The fact is that there are payments less than the maximum minimum amount - 2,000 rubles a year, and they are not co-financed by the state. This was immediately indicated in the conditions of the program. There are about 600 such people in the Khabarovsk Territory.

187 thousand people in the region wrote applications to join the program. Of these, about 11 percent are paid. That is, almost 90 percent did not actually become participants. So the program failed?

We can't say it failed. 11 percent are members. They pay, so they have such an opportunity. And the rest…maybe they hoped the opportunity would come, but it never did. And they didn't really participate.

Maybe people just don't have money?

Still, it is wrong to say that the program did not take place. Most importantly, we are already making payments from the pension fund. They began in 2012, 54 thousand citizens have already received payments from pension savings. These payments can be made in the form of three options: either a lump sum payment, or a funded part of the pension, or an urgent payment.

The size of the funded part of the pension for those who have exercised their right is not so large, on average, about 1,000 rubles a month.

For those who chose an urgent payment, when the funds accumulated under the state co-financing program are divided over 10 years, the increase in pension is about 2,000 rubles.

A lump sum payment could be paid to program participants more than once, but at the time of receipt - how much was formed, for the second time - when, according to the results of the next year, he still received pension savings. With these two lump sum payments the average size it amounted to a little less than 20 thousand.

True, since 2015, the opportunity when a lump sum payment can be received annually has been canceled. Then this right can be granted no more than once every five years.

Additional insurance premiums for the program

Insurance contributions to the funded pension are transferred voluntarily by the insured person independently. To participate in the co-financing program in the current year, a citizen had to make a contribution in the previous year in the amount of from 2000 rubles.

In accordance with paragraph 1 of Article 13 of the Law of April 30, 2008 No. 56-FZ , the amount of the contribution paid by the citizen for the past calendar year, should not exceed 12,000 rubles.

The function of calculating funds for the formation of a funded pension under the co-financing program is assigned to the PFR body, which, by the end of the first quarter of the year following the contribution, draws up an application for transferring the required amount for co-financing.

Required amount within 10 days is transferred from the federal budget to the PFR budget, in accordance with the budget legislation of the Russian Federation, and then the funds are transferred to management companies And NPF.

Thus, funds are moving to co-finance the pension by the state, in accordance with article 14 of the law dated April 30, 2008 No. 56-FZ "On additional insurance premiums for funded pensions and state support for the formation of pension savings".

The procedure for paying fees

You can pay your insurance premium in two ways:

• in the bank;
• with the help of an employer.

At the bank, you must fill out a payment receipt form, according to which the payment is transferred. The contribution amount can be paid equal shares during the year, or one-time payment. Need to check correctness of filling form, because due to an error in the spelling of the name, surname, patronymic or money will not reach the personal account of the citizen. A copy of the payment receipt may be useful for filing a tax deduction.

To pay contributions with the help of an employer, it is enough to contact your organization's accounting with an application of an arbitrary form, where it is necessary to indicate the amount of the monthly contribution - in the amount or percentage of wages.

An employer can act as another party to co-financing a pension by transferring voluntary contributions of an unlimited amount.

The participant can also receive tax deduction from contributions, but not more than 12,000 rubles per year. You can get a tax deduction:

• Applying to the accounting department at the place of work if the funds were deposited according to a similar principle.
• Contacting with a kit required documents V tax office By place of residence. Documents for receiving a social tax deduction can be submitted at the end of a year, two or three years.

To clarify the package of documents, you must contact the tax office at the place of residence directly.

Pension co-financing in 2019 for working pensioners

In the current 2019 become a member of the funded pension co-financing program impossible, since it was possible to join it only until the end of 2014. However, for those citizens who managed to become a participant in the program and made the first installment in the period from October 1, 2008 to December 31, 2014, currently and until retirement, the state will co-finance the pension, but only subject to the payment of additional insurance premiums.

How to get money for pensioners under the program?

State co-financed funds are assigned and payable together with insurance pension or in the form . You can receive funds in the form of either a payment, provided that the amount of pension savings is less than 5% of the insurance pension.

After becoming entitled to the corresponding pension, you can at any time apply with an application for her appointment. You can apply in the following ways:

• when applying in person to the local branch of the Pension Fund of the Russian Federation or to a multifunctional center (MFC);
• by mail;
• using an Internet resource (government services portal or a service on the PFR website);
• through an authorized representative.

Required documents when applying for payment

After receiving the right to a pension, you must submit the following: documentation for its payment:

1. passport;
2. SNILS;
3. documents establishing the right to establish an insurance payment (employment book or documents on length of service, earnings, availability of dependents, clarifying additional circumstances).

If the insurance pension has already been assigned, there is no need to submit documents, since they are already contained in the pension file.

The term for consideration of an application for a pension directly depends on the method of its payment:

• For urgent payment - within 10 days;
• With a lump sum payment - within 30 days.

When positive decision on the appointment of a pension, its payment is carried out within 2 months from the date of the decision.

Conditions for increasing pension savings under the pension co-financing program

For some citizens there are special conditions co-financing of pensions, in accordance with article 13 of the law of April 30, 2008 No. 56-FZ "On additional insurance premiums for funded pensions and state support for the formation of pension savings".

Thus, if a citizen has the right to insurance pension old age, but did not apply for her appointment and payment, he can count on an increase in his contributions four times. Such an increase in pensions by the state implies maximum co-financing for 48000 rubles.

In total, a citizen can replenish his pension by 60000 rubles, of them 12000 rubles- own contribution, and 48000 rubles- Government allowance.

But there are also limitations in such a system of increasing pensions - this is working citizens, for them a fourfold increase is not provided.

Payment of funds after the death of the insured person

In the event of the death of an insured citizen before the appointment of a pension, paragraph 6 of Article 7 of the Law of December 28, 2013 No. 424-FZ "About funded pension" stipulates that the right to pay pension savings is successors of the deceased. A citizen can determine in advance the successors, as well as indicate in the application in what shares the pension payment funds will be distributed between them. However, if such an application is not followed, the following relatives are considered successors:

• paramount- native or adopted children, parents (adoptive parents) and spouse (wife);
• secondary brothers, sisters, grandparents and grandchildren.

Secondary relatives are only eligible for payment in the absence of primary relatives.

The funded pension will be assigned to relatives only in three cases, if death has occurred:

1. before appointment pension or its recalculation;
2. after appointment of an urgent payment;
3. after assignment of a lump sum, but it has not yet been paid.

However, if the payment of pension savings was established to a citizen indefinitely, assignees should not count on it.

In order to receive the due funds, assignees must apply to the FIU or NPF no later than six months after death the insured person.

Pros and cons of the state pension co-financing program

You can highlight the pros and cons of participating in the program of state co-financing of pensions. Of the positive aspects in the program, one can designate the pension increase itself: twice, and in some cases four times, thus achieving a tangible size up its payment. Another major plus is the possibility of obtaining a tax deduction from the amount of additional contributions paid.

The ability to take care of the future and arrange a payment for relatives, in case of exceptional circumstances, can also be a useful solution.

Of the minuses, you can see annual fee limit, that is, a citizen cannot exceed the limit 12000 rubles. Another disadvantage of the program is the inability to become a participant in it. 2015 to this day, however, it is possible that the government will reconsider this circumstance.

In what form is pension co-financing offered in 2020 - what they say last news how to get the invested money, and how realistic are the proposals being made to introduce an alternative - IPC (individual pension capital)?

What was offered?

The state pension co-financing program was launched in 2008. Everyone was invited to take part in it on the following conditions: transfer from 2 to 12 thousand rubles to the funded pension. per year, and the state doubles your amount. Those who deposited less than 2,000 a year into their account cannot count on doubling their savings.

Time to participate in pension co-financing was limited, and those who are interested today until what year the state program is valid should know that the deadline for submitting an application has long expired - December 31, 2014. At the same time, those who managed to continue to make savings and receive bonuses from the state.

It is also important that those who applied at the very end - from November 5 to December 31, 2014 - although they got the opportunity to increase the funded part due to their payments, the state did not double the amount paid. But favorable conditions were offered to those pensioners who decided to continue working. The state has increased the contributed sum not in two, but in four times. That is, the maximum contribution of 12 thousand will automatically add 60 thousand rubles to the funded part for the year.

How to receive the money?

Since pension co-financing is completed, many would like to know how to get money for pensioners? Payments are made when applying for a funded old-age benefit by submitting a separate application to the FIU. At the discretion of the inspector, payment may be:

• return one-time;
• split into equal parts and pay over a certain period, for example, for 5 or 10 years;
• pay for life.

On a note! The most popular option is broken down by period, and the most unprofitable is a lifetime payment (in this case, each month the increase in pension will be a penny).

Savings can be received not only by the participants of the state program, but also by successors - children (relatives and adopted children), husbands / wives, parents, brothers / sisters, grandchildren.

Savings will be paid in the event of the death of a participant in the state program, if it occurs:

• before the appointment of a pension or its recalculation, taking into account voluntarily contributed funds;
• after the appointment of an urgent benefit, which everyone can apply for, the balance from the pensioner's personal account will be issued from the funded part (excluding the mother's capital, if it was used to form the social benefit of the deceased);
• after the pension was assigned, but until the moment the lump-sum amount is issued - in this case, close relatives will be able to receive the money, but only if they lived with the deceased, as well as dependents (regardless of place of residence) within 16 weeks from the date of death. If there are no such persons, the money is redirected to the inheritance.

Important! If an indefinite payment of the funded part was initially issued, that is, the amount was paid in equal monthly installments, relatives will not receive money.

To receive a pension increase, you must apply to the FIU. Sometimes the inspector suggests writing three options, then to choose one - to list everything at once, in parts for a set period of time, or stretch it out for the rest of your life. The pensioner himself does not have the right to make such a choice.

If we are talking about payments to successors, then you will have to attach documents confirming kinship. You should apply strictly within six months from the moment of the death of the program participant. If you miss the deadline, you will have to restore it through the court.

A package of documents is brought to the FIU in person or sent by registered mail with a list of attached papers and notification. Within a month following the appeal, a decision is made on payments to successors.

In all cases, within 5 days from the date of the decision on satisfaction / refusal, the applicant is notified. No later than the 20th day of the month following the month in which the decision was made, the money must be transferred.

When submitting an application, participants in the pension co-financing program were asked to choose a convenient option for how to receive money - in cash at the post office or by bank transfer to a bank account. Based on the selection, an enumeration is made.

How to pay?

Although it is no longer possible to join the state program, co-financing of pensions in 2020 continues. Those who applied no later than 12/31/2014 continue to increase their old-age allowance with the support of the authorities.

Important! The first payment must be made no later than January 31, 2015. Otherwise, participation in the program will be cancelled.

You can deposit amounts both in equal installments throughout the year, for example, a thousand per month (or other convenient amounts, but not less than 2 thousand per year), or in a single payment, say, 12 thousand at the end of the year. The money is deposited into a savings account.

There are two options:

• pay in person at the bank (a payment form can be generated on the official website of the Pension Fund - https://www.pfrf.ru/eservices/pay_docs/);
• through the employer: you must submit an application in free form, indicating the amount of payment (a fixed amount or a percentage of earnings).

Why did they turn?

According to expert estimates, only 800,000 Russians have decided to participate in the state pension co-financing program. The number seems significant. In fact, average each contributed 16-18 thousand rubles. (on average, it means that someone contributed 2 thousand a year, and someone 12), and this is a “drop in the ocean”, because in terms of pension payment, the increase will be 75 rubles per month. Even very comfortable conditions for participation could not stimulate citizens, and the point is not that the majority do not think about a serene old age, but in the banal impossibility to save at least some crumbs for a rainy day.

The average salary in the country is 36 thousand rubles, while more than 70% of workers receive much less in their hands. Financiers assure that long-term savings in the current economic situation is possible only with earnings of 60,000 rubles or more, and only a small percentage of Russians receive that much. Those who have good incomes are unlikely to choose a retirement account for investments, because there are more profitable ways to increase savings, for example, regular replenishment of a bank deposit. And the withdrawal restrictions are minimal - I urgently needed money for treatment, I went and took it.

What do they offer?

Everyone, without exception, today is concerned about the planned pension reform, some provisions of which have already begun to be implemented. It is still unknown what final form it will take, but one of the innovations may be the IPC, which is considered today as an alternative to the unsuccessful idea of ​​co-financing a pension.

At first glance, the idea of ​​introducing an IPC seems interesting - citizens will be able to independently save for their old age, increasing the level of civic responsibility. When you go on a well-deserved rest, there will be no one to blame: how much you have accumulated, so much you get. But experts do not yet see the possibility of linking the IPC with the current corporate programs for increasing pension payments, in which about 6 million Russians participate. They make annual contributions totaling 6 trillion rubles. Corporate programs have been developed in various companies, within which part of the employees' earnings is transferred to their future pensions - most of these programs have their own characteristics.

And where are the guarantees that the Russians will be interested in the IPK? And they will not just be interested, but will want to give up their current needs in favor of pension savings?

For motivation, experts suggest using effective tools:

• cancel income tax on contributions to non-state funds (today, only contributions deducted to the Pension Fund are not subject to personal income tax);
• increase the social deduction for the return of paid personal income tax to 400 thousand rubles. (today its size is 120 thousand rubles);
• allow employers to deduct the money deducted in the IPC from income tax, equating it to labor costs;
• the state should consider other tax incentives for participants;
• send all additional deductions from employers for harmful and dangerous working conditions to corporate pension funds.

On a note! It is predicted that without serious incentives, the maximum number of those wishing to form an IPC will not exceed 2%.

Another important issue remains unresolved. Will participation in the IPC be voluntary? Earlier it was reported that only “auto-subscription” would allow not to put an end to the idea: deductions from wages would be made by the employer automatically, but at any time the employee was allowed to write a statement and leave the program.

Such an approach is contrary to the law and legal norms. Labor Code, so the Central Bank started talking about the idea of ​​auto-registration, although the essence has not changed much. Each employee, after being entered into a single database, will be required to deduct from 1 to 6% of the salary for the funded part, and to exit, you will again have to write an application.

What way the state will choose to co-finance pensions and maintain the pension system, which will be seriously tested in the mid-1920s, is still unknown. According to the reviews, it is obvious that participation in the scheme with a doubling of investments turned out to be a complete disappointment for many.