What do bankers and other market participants on the hottest events of the economy that occurred in a week? Pyramid number 3? Sergei Mavrodi invited to compete with Sberbank in the recovery of compensation for the lost funds in the course of reform the 90-ies, and return the money defrauded depositors of all the pyramids. Alex Tsereh, deputy chairman of Ocean Bank: I would advise not to gamble, and to trust their money only to organizations that are legally allowed to engage in banking activities. Compensate or not compensate for the money defrauded depositors of the pyramids should be decided by the state rather than Mavrodi or "Savings Bank". The latter are simply advocates the settlement bank for the transaction of the state - no more. Andrey Nefedov, an analyst at financial services company "Ankorinvest": Remembering the results of the last "business" activities of Mr. Mavrodi, it is difficult to believe in his new promises. People play in casinos, the lottery and still believe in miracles, simply because so constituted man. Many professionals, from fortune-tellers, finishing superbly marketers use it. Promise to return all the money defrauded depositors of the pyramids would have been at least consistent, if Mr. Mavrodi has paid at least on its debt, of which there are now several billion rubles. His new venture is virtually no different from the old one, except perhaps the fact that the initiator declares open involvement in the new "investments" to the financial pyramids, and increased risk for the contributions of all participants. It seems that people just need to learn how to draw the right conclusions from their, and others' mistakes. Vitaly Kukuler, deputy head of the department of customer service company "Finans-Invest": Sergei Mavrodi recently intensified significantly. To recall the recent buzz around the MMM-2011. Nevertheless, this idea did not go beyond the discussion in the media and blogs. The reason is the radical difference of the current situation in the country from one that was 20 years ago. Thus, I see no prospects for this campaign, which, in all probability, is the next PR-swing. Basic knowledge in economics and finance would protect citizens from the hands of fraudsters. Advise when making investment decisions attentive to sign documents and make deals only with reliable partners. Is it worth it to save a pension? Pension Fund of Russia provided a return on insurance premiums at a level of 12.22% (33 billion rubles).. This was achieved by a cumulative investment of pension Russians in 2009. This result is a record since 2002. Is it worth it for people to abandon bank deposits and invest in their future retirement? Ivan Pyatkov, director of products and technologies "PSB": With regard to non-bank deposits, it can not be compared directly. Retirement savings - that money is not available to customers for operational management. You can only use them for retirement. In terms of personal savings, it is still the bulk of savings in the coming years will be concentrated in deposits, as they guarantee if not high, but stable income. Investments in equity instruments are possible, but should not exceed 10-20% of the accumulation of human, because these investments are quite risky. In short, invest in their future retirement need, but is balanced: the bulk of money in deposits, a smaller part in mutual funds or directly in securities. Maria Arefieva, Head of Retail Business "Master-Bank: Invest in their future retirement, of course, it is worth. Especially because now everyone can easily manage their retirement savings. However, contributions from the refuse is not worth it. These two instruments of investment are not mutually exclusive. Contributions can allocate funds not only in rubles, but also in foreign currency, to make any savings at different targets and timetables. Deposits now have a good yield. It is also necessary to consider high-yield seasonal offerings of banks. A good tool for retirement can become a special pension contribution. Alex Tsereh, deputy chairman of Ocean Bank: Private pension funds priori should earn more so as the Pension Fund of Russia is limited to investments only in the most reliable tools. They have a lower yield. Banks also need to earn more than private pension funds as well as freedom of choice when investing in them even more. But it must be remembered: often, the more yield, the lower the reliability. Everyone decides for themselves where the "golden mean". Dmitry Blagov, CEO of management company "TRINFICO: Home investment objectives of pension capital, is the preservation of purchasing power (protection against inflation) in the long run. From this standpoint, yield 12.22% this problem is solved with a good margin. But we can not draw conclusions about the effectiveness of investing pension capital only up to one year because the money is very long in nature, and each person will be important outcome after years, when the value of the accumulated amount will be calculated and assigned to a real pension. In this case it is much more indicative of investment results 2002-2010. Unfortunately, unknown to me stats effectiveness of APF for the period, so one can only compare the published results of asset management companies, among 64 portfolios which only 13 managed to beat inflation in the seven-year period. Comparing pension schemes with bank deposits, I too would not, because it is fundamentally different for purposes of capital, and, unlike the bank, a person has no opportunity to retire to return voluntary contributions, listed by state co-financing program. Artem Laptev, managing director of customer service company Ankorinvest ": It is my view of profitability in 12.22% for the year 2009 can hardly be considered a success. Profit portfolios managed by private UK and NPF reached 100%, ie for the year 2009 was an opportunity to almost double their savings. Funded part of pensions should be invested so that the average return on investment, it will be more than the return on deposits, even with all the crises that can cause a temporary reduction in value of the portfolio. Dmitry Kuleshov, Deputy Director of deposits and savings B & N: Voluntary contributions to pension funds and placing funds in fixed deposits accounts are in fact different instruments, which have different strategic goals. Term deposit - a tool that allows a person to accumulate the necessary amount of money to a particular point in time (the period of most contributions do not exceed 3 years), or to protect existing means of inflation within a certain period of time. At the stage of opening deposit is known for its yield, a time when funds can be picked up. In addition, there are contributions, the conditions which allow partially withdraw (or receive interest) during the term of the deposit agreement. Payments to the pension funds are intended to ensure the possibility of "decent" pay in the future. The amount of pension depends on several factors: the size of regular contributions to pension funds (the so-called pension contributions) and pension fund management of these funds. In addition, in most cases, the funds accrued in the accounts of pension funds will be paid only upon retirement. For example, a boy, whose age is 25 years old, will be able to "use" their accumulated funds, only 35 years later (at the age of 60 years - the current retirement age for men). Bankers and bonuses Leader Dutch bank «ING» Jan Homme was forced to opt out of receiving a bonus of 1.25 million euros at the end of 2010. His decision, he explained that obtaining such a high premium could cause a public outcry and lead to a boycott of the bank. Alex Tsereh, deputy chairman of Ocean Bank: The Bank can not exist without customers, so, of course, customers may affect the Bank. In Russia, the customer-banks collect the opinions of its customers and reshaping its work in connection with their wishes. In the above case, the waiver of premium was more a PR move than a warning to public reaction. The client is at the bank where it is convenient and profitable - and award the management of its care the least. Andrei Zakharov, senior analyst at financial services company "Ankorinvest": In the midst of the crisis in 2008, many banks in the U.S. have received public assistance, but once things settled down, many senior managers still continue to receive annual bonuses and high premiums that really had a negative impact on the public. Indeed, those banks that have not yet returned to public assistance, can not afford to pay bonuses and prizes, as well as dividends to shareholders. For example, this situation is happening at Citigroup. With regard to commercial banks in Russia, clients, obviously, can not affect the amount of premiums paid major shareholders and top managers at the end of the year. For example, this year the management of Sberbank get a good enough pay for performance for 2010, but the results speak for it - the bank has received the maximum profit from the financial crisis of 2008
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