The economist named a way to more than double the pension

Candidate of Economic Sciences, Associate Professor at the Financial University under the Government of the Russian Federation Igor Balynin told how to more than double the pension.

In conversation with aif.ru On Wednesday, March 11, the specialist noted that the size of the pension could almost double if it was reached 10 years later after the right to payments appeared. He recalled that when applying for a pension at a later date, increasing coefficients are applied to the individual pension coefficient (IPC) and the fixed payment. According to him, if you apply for a pension a year later, the coefficients will be 1.07 and 1.056, in three years — 1.24 and 1.19, in five years — 1.45 and 1.36, in seven years — 1.74 and 1.58, and in ten years — 2.32 and 2.11.

Balynin explained that when an insurance pension is awarded in March 2026 and 127 IPCs are available, its amount will be about 29.5 thousand rubles. At the same time, with a later appeal, the amount may be higher: about 31.4 thousand rubles for a one—year delay, 36 thousand for three years, 41.9 thousand for five years, almost 49.8 thousand for seven years and about 66.4 thousand rubles for a ten-year delay.

He stressed that each citizen makes a decision on the later registration of a pension independently, based on his pension strategy.

In an advanced position: the difference in pensions in the regions has reached a record 24.5 thousand

Why is this gap growing and how to smooth out the inequality

Earlier on March 11, Alexey Govyrin, a member of the State Duma Committee on Small and medium-sized enterprises, told RT that, in addition to the usual old-age insurance pension, there is a separate type of payment linked to pension savings. We are talking about an urgent pension payment, the right to which appears earlier than the established retirement age. In 2026, men from 60 years old and women from 55 years old will be able to apply for it according to the previous age limits in force before the pension reform.

On the same day, it was reported that by the end of 2025, the average pension for women in Russia is 221 rubles higher than for men. The average size of the assigned pension provision for 2025. Russian Federation: men — 23,028 rubles, women — 23,249 rubles.

On March 10, LDPR Chairman Leonid Slutsky proposed introducing the transfer of pension points by inheritance in Russia. According to him, it is necessary to pay one-time compensation to direct relatives of insured Russians who died before retirement age. 360.ru . No compensation is provided for families receiving a survivor's pension.

At the same time, Svetlana Bessarab, deputy of the State Duma, member of the Committee on Labor, Social Policy and Veterans' Affairs, in an interview with Pravda.Ru said that limiting the number of retirement coefficients for working pensioners may reduce motivation to continue working after retirement. Bessarab noted that the decision to continue working after retirement should remain everyone's choice.

On March 11, Sergey Belyakov, President of the National Association of Non-Governmental Pension Funds, told how to save a million for retirement. According to him, among the universal solutions is participation in the long—term savings program, NSN notes.

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