The expert named cases for profitable purchase of pension coefficients

Russians can increase their future insurance pension by purchasing individual retirement coefficients (IPCs). This was announced by Igor Balynin, an associate professor at the Financial University under the Government of the Russian Federation.

In conversation with aif.ru On Monday, June 30, the specialist noted that we are talking about a mechanism for voluntary participation in the compulsory pension insurance system, which can be used by the self-employed, working abroad and other categories of citizens who are not covered by compulsory pension insurance.

The economist explained that the larger the CPI, the higher the size of the future pension. This opportunity is especially relevant for those who lack seniority or retirement points, as well as for the self-employed, whose personal income tax is not generated automatically.

In 2025, the cost of one IPC is 60,771.6 rubles. The minimum contribution for a full year is 59,241.6 rubles, which allows you to generate a 0.975 coefficient. The maximum voluntary contribution is 473,932.8 rubles, which provides 7,799 IPCs.

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