Program of public co-financing pensions

Recently, in Russia, earned a program of public co-financing pensions. To date, it has already entered 3.35 million people, and many more are planning, is unknown. Meanwhile, Bank.ru ascertained as to whether the investment is to increase the income of the depositor and whether he can even get my money? Program of public co-financing pensions requires that a person invests money in a retirement account and the same contribution is made by the state, in the end it turns out, that amount rises exactly in half. True, the contribution is limited to the allowable limit of 12.2 thousand rubles per year. Ie authorities would not help those who invest less than 2 thousand rubles, and those more than 12 thousand rubles. In general, the program is designed for 10 years from the date of transfer of the down payment, well and take advantage of earned and do it will be possible only after retirement. According to the RPF, during this year's participants in the program have paid into the fund okolo1, 7 bn, in general, it has been joined by about 2.35% of the population. In this case, the majority of participants (52.7%) - Citizens age category are 30-50 years old, yet 28.4% - over 50 years and only 18.9% - less than 30 years. Conditions of entry is known that to do co-financing pension can anyone who has evidence of mandatory pension insurance. Incidentally, this also applies to existing pensioners. Ie man enough to apply either in the pension fund itself, or in the Mail of Russia (available in any other transferagent) or do it through an employer, which often happens. Once a person becomes a participant in the program, it lists the monthly pre-agreed amount of money or make it a one-time. Pay the fee can be as through any bank, and through the accounts of the employer. In the latter case the required amount of just automatically deducted from your salary account and transferred to a pension. Does it make sense? In theory all sounds pretty enticing: a man taking care of his pension, makes regular contributions, and state it in this helpful. However, it is actually not as easy as it seems. The probability that the investor will receive a pension for co-financing in full, almost reduced to zero. We begin with the sad. First, the investor may never live to see retirement. Given that today women are forced to work up to 55 years, and men - to 60 (with average life expectancy of 59 years), the probability of such an outcome is very high. In this case, the state undertakes to return the heirs of that portion of the amount that was credited to the fund investor. But again, without inflation, and in any case it means the loss of money. Another option, a person still retired, received the first increase, then suddenly died. In this case, the heirs and nothing at all will receive, all funds will go to the state. But standing still consider that the domestic public co-financing of the pension program does not involve indexing attachments with inflation. Ie should be prepared for the fact that state-owned company can not reach profitability and beat inflation. In simple terms, the money simply may be impaired. For example, the yield of Vnesheconombank (VEB) from management of pension savings in the last 3 years was nearly 18% (5,7% per annum), and inflation during this period reached 38% In addition, even under the best scenario, the state completely pay off the depositor Only 18 years after his retirement. For example, the first 6 years, people just get all the money back the next 6 years he paid money to the employer, and only then - the pension fund. It turns out that the state offers a program very similar to the venture, which at best could end years to 80.