The expert named a way to increase the profitability of retirement savings

Until December 1, Russians can change their insurer to manage their pension savings — choose between the Social Fund of Russia and a non-governmental pension fund (NPF). But there is also an alternative that can be used to increase income from a funded pension. Dmitry Klyuchnik, Deputy General Director of the Evolution non-governmental pension fund, told Izvestia on November 26.

He recommended transferring funds from the compulsory pension insurance system (OPS) to the long-term savings program (RPS).

"This increases profitability, as this money is placed at higher rates. Moreover, when changing an insurer, a person may believe loud advertising signs or the words of a manager and transfer money from a high-income fund to a low-income NPF. No bonuses can compensate for these losses," said Klyuchnik.

He recalled that the long—term savings program has been co-financed by the state for ten years - for 36 thousand rubles per year, which makes it possible to receive up to 360 thousand rubles in addition. In addition, you can receive up to 400 thousand rubles due to a tax deduction.

The expert stressed that the transfer of savings to the personal income tax will allow them to be used in case of special situations.

"A person cannot use OPS funds, even if difficult life circumstances have occurred," he recalled.

Long-standing accounts: 706 thousand Russians will be able to withdraw their pension savings in 2026.

Who has the right to such payments and how much money can be received

Sofia Blagova, PhD in Economics, lecturer at the Institute of International Economic Relations, reported on November 21 that in order to receive an average pension of 25 thousand rubles, a Russian must accumulate at least 111.8 points of the individual retirement coefficient (IPC). With an average salary in the country, this can be achieved in 27-28 years of insurance experience.

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