The analyst spoke about new guarantees for the protection of retirement savings
Russians will be able to receive a one-time payment on pension savings. In 2026, this measure will affect more than 700,000 pensioners. The maximum payout amount will be 440 thousand rubles, and the average amount will be about 68 thousand rubles. This was announced on October 2 by Igor Rastorguev, a leading analyst at AMarkets.
"The main advantage is the ability to immediately dispose of funds at your discretion: close a loan, make repairs or help children. However, there is a downside: by receiving money in one amount, a person loses the future investment income that these savings could bring. In addition, a large amount on hand always attracts the attention of fraudsters," said Rastorguev.
He stressed that the authorities have provided additional protection mechanisms: from 2025, any application for the transfer of savings is confirmed through "Public Services" or biometric verification. The notification function for any actions with the account has also been introduced.
"Technical measures are important, but the financial literacy of pensioners themselves and the attention of relatives are no less important. It is important to remember a simple rule: no employees of banks, pension funds, or law enforcement agencies will ever ask you to name text message codes or transfer money to "secure accounts." Any such call is an excuse to immediately end the conversation and contact relatives or official services using numbers from open sources," concluded Rastorguev.
Natalia Koshikhina, a member of the Federation Council Committee on Social Policy, announced on September 28 that some Russians will be able to apply for increased pension payments by the end of this year. She clarified that pensions for military retirees and former employees of law enforcement agencies will increase. This is due to salary indexation by 7.6%.
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