Experts gave recommendations on how to save retirement savings

T-Bank experts and invited experts took part in the discussion "Who will pay for our old age?", held as part of the T-Yard Festival in St. Petersburg on June 18. During the event, experts discussed methods to improve the reliability of portfolios in NPFs while controlling risks.

T-Bank suggested discussing an international approach in which the asset ratio depends on age. "This allows us to provide increased profitability to the client when, for example, he is 30 years old before retirement. Over time, the NPF portfolio gains stability by rebalancing into more conservative instruments," Panchenko, Vice President of T—Bank and head of T-Investments, described the idea. "The PDS has the potential for customization, and there will definitely be a good balance in the dialogue with the regulator," Ruslan Westerovsky, Senior Vice President of Sberbank, echoed the opinion.

Another issue that has attracted the attention of experts is how to make long—term savings transparent.

The long-term savings program began operating in Russia on January 1, 2024. Each participant's money is insured for up to 2.8 million rubles, participants can receive an annual tax deduction for paid contributions in the amount of up to 52 thousand rubles, as well as transfer the invested funds by inheritance. Also, program participants will be able to receive co-financing from the state in the amount of up to 36 thousand rubles per year.

According to Anatoly Aksakov, Chairman of the State Duma Committee on the Financial Market, who took part in the discussion, it is necessary to increase the share of risky investments in the portfolios of NPFs. At the same time, it is necessary to act in this direction gradually, maintaining growth volumes at about 1% for three years.