The insurance of money for IIA was given the green light eight years later

The draft law on money insurance in individual investment accounts (IIA) has been agreed upon and will be adopted in mid-July, the initiative was adopted in the first reading back in 2017. This was reported to Izvestia by Anatoly Aksakov, head of the State Duma Committee on the Financial Market.

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The innovation will take effect after eight years of approval. AIS-3 is a brokerage account with tax benefits, for which you need to keep it open for at least five years. The term has been increasing annually since 2026 and will reach 10 years by 2031. Previously, there were IIA-1 and IIA-2, but since 2024 they have been combined into IIS-3. Its main advantage is the combination of two types of tax deductions: for contributions and for the income received from investments. In this account, an investor can hold securities, precious metals, and cash in various currencies.

Investments in the amount of 1.4 million rubles will be insured on the AIS-3. The mechanism does not provide for protection of losses from market risks and a fall in the value of securities.

The launch of the mechanism will help to increase the attractiveness of AIS-3 for investors, the press service of the Central Bank noted. They added that, in general, there is still demand — by the end of the first quarter of 2025, 800 thousand such accounts were opened in the Russian Federation, and the amount of assets there reached 183 billion rubles.

Read more in the exclusive Izvestia article:

Stock rush: insurance of money on the AIS was given the green light years later