The expert gave recommendations on pension accumulation

Forming a personal retirement strategy is becoming a necessity for modern Russians who plan to maintain financial stability after retirement. Investment expert, founder of Svoboda Squared and the Nedvision AI startup.AI Fyodor Stepanov told Izvestia on November 24 that the success of retirement savings directly depends on the investment horizon, while starting as early as possible, systematically deferring 10-20% of income to expenses.

"The key principle of long—term capital growth is the use of a compound interest mechanism, when the profits earned are not withdrawn, but reinvested, forming a so-called "income on income," he said.

For most self-employed people, the optimal solution is a diversified portfolio that includes stocks as a riskier component, bonds for stability, and commercial real estate as a source of regular cash flow. At the same time, the expert notes that residential real estate today often does not even cover inflation and ceases to be an effective tool for saving capital.

It's hard: the gap between the pensions of the employed and the unemployed has reached a minimum since 2021.

When will the payments be equal and what does this mean for the economy?

Stepanov pays special attention to commercial real estate, which, with a competent approach, ensures a simultaneous increase in the value of the asset and rental income. This tool is suitable for investors with a capital of 10 million rubles or more or who are ready to use mortgage financing, but it requires a deep understanding of the market.

The specialist warns against a common mistake — the desire to quickly "double" capital through risky operations, which often leads to the loss of savings. Instead, he recommends following five universal strategies: regular savings, a long-term investment horizon, choosing moderate instruments, balancing the portfolio, and mandatory reinvestment of income. According to Stepanov, the creation of a personal pension is a consistent process that requires discipline, but is able to ensure financial independence in the future regardless of external circumstances.

"Haste is the main mistake that prevents saving for old age. People often strive to earn everything "here and now" and begin to shift their portfolio towards high risks. This is manifested in the purchase of risky stocks, participation in dubious foreign development projects or investments "in the wake of HYPE," where the risk–return ratio is forgotten," the expert said.

Such decisions, he notes, eat up expected profits, hinder the systematic accumulation of capital and lead to disappointment. Savings are always a moderate return over a long horizon, rather than a desire to guess multiple growth.

Earlier, on November 20, Igor Balynin, an associate professor at the Financial University under the Government of the Russian Federation, said that old-age insurance pensions will be indexed by 7.6% in 2026, which is higher than inflation. According to him, this should be expected in January, and not in February, as previously expected.

All important news is on the Izvestia channel in the MAX messenger.