As noted by finanz.ru, for those who have already retired, this mechanism is not applicable.
“Helping pensioners, my personal opinion, is a little late. You need to help a citizen to retire with a good pension project, which, first of all, must be formed by the citizen himself throughout his life. This is called capitalism”, - the publication quotes the words of a representative of the Central Bank.
Shvetsov noted that when a person retired, relying entirely on the state, "this is socialism".
“We are rather closer to our Soviet past in this regard, and the proposal of the Central Bank and the Ministry of Finance is to start this transformation”, - said the representative of the regulator.
To change the situation with the attitude of Russians to their pension savings, the authorities intend to apply such measures as agitation and incentives. As a "safety cushion", experts advise future retirees to make savings in pension funds and insurance companies, to purchase shares, bonds, and also to purchase real estate for renting it out.
“This passive income from investments is a significant part of pension plans in developed countries, and the capital market is a source of wealth not only for majority but also minority shareholders”, - the Central Bank deputy chairman believes.
He noted that now it is mainly foreigners who invest in Russian securities, they also receive income from them. Their own citizens are not accustomed to this.
Earlier it was reported that the average old-age pension in Russia is about 16 thousand rubles, while for a comfortable life after going on a well-deserved rest, a person needs at least 60 thousand rubles a month.
At the same time, many Russians who find themselves in a pandemic below the poverty line do not have the means to save and save "for old age" or "for a rainy day." This, in particular, is evidenced by the increase in the number of applications to MFOs, where desperate citizens are given small amounts "before payday" at extortionate interest.