Retirement "undecideds" may speak

State Management Company in the next year may begin to maintain two investment portfolios, which differ in the degree of conservatism. Separating the money, "undecideds" from the savings of those who consciously chose STMC, the state is trying to find liquid instruments for the money first and it did not violate the rights of the second Moscow. December 23. IFX.RU - State Code (Vnesheconombank) soon will have to share all of its customers into two categories. The first is "undecideds" whose retirement savings "machine" got on the Web because they do not choose to have a private management company or pension fund. The second category of pension clients EBV appeared relatively recently: it is the citizens who carry pension money in STMC consciously. These may be people who initially do not trust the private pension entities, or those who had once transferred money to a private UK or SPF, but then became disillusioned with the results of their work and decided to return to retirement savings back into the public sector. In any case, these people can not be attributed to the "undecideds" - they have deliberately chosen EBV, agreeing to lower investment returns in exchange for the ultra-conservative strategy. Investment declaration for retirement savings, "undecideds" will be expanded as compared with those in what is allowed to invest these funds now. To those already in the arsenal of Vnesheconombank government securities and bonds with government guarantees will be added to the subjects of the Russian bonds, bonds particularly robust corporate ruble and foreign currency deposits, mortgage-backed securities, securities of international finorganizatsy. Extending investdeklaratsiyu for "undecideds", the state solves the problem of finding liquid instruments to invest over 350 billion rubles. In turn, the funds for future retirees who chose EBV as the most conservative retirement portfolio, will continue to invest in the most reliable, but at the same time and low-yielding instruments: government securities, bonds with government guarantees and placed in bank accounts. According to the first 9 months of this year, failed to show a positive return only four of the 63 portfolios of pension funds, including EBV. In a falling market situation has changed: the Criminal Code, which in an era of growth of quotations proud of the high returns, have invested the maximum in the campaign, now in serious shortcoming, and celebrate the victory of conservative players. This may have an impact on investor sentiment, resulting in increased number of people consciously choose EBV as the most conservative portfolio for retirement savings. The bill with the new rules of investing retirement savings went to the State Duma and is expected to be considered in the winter session. Simultaneously with the expansion of opportunities for investing pension savings the state Criminal Code, the bill simplifies life and private UK. In particular, the ruble and foreign currency accounts and deposits from banks will be allowed to host up to 80% of the portfolio rather than the current 20%. This will allow the UK to wait for private money troubled times in a falling market. In this case, ruble deposits complemented currency. The list of assets for investment and added securities of international financial institutions. Banks, deposits which can be placed pension funds will have to at least meet the requirements established for credit institutions belonging to the deposit insurance system. Additional requirements for banks can set the Russian government. It also determines the maximum proportion of bank deposits in the investment portfolio. Management companies will be able to buy more securities in the retirement portfolio: the share of any one issuer in the portfolio increased from the previous 5% to 10%. This would facilitate greater diversification of portfolios of private CC. Government securities in pension portfolios are still allowed to purchase without restriction. The bill also permits the use of forward contracts when dealing with pension savings: the purchase of options on securities, the conclusion of futures and forward contracts.