With growth: the assets of Russians on the AIS increased by one and a half times
The volume of assets in individual investment accounts (IIS) reached 753 billion rubles in August, one and a half times more than a year earlier, according to the Central Bank. There is a growing interest in the AIS-3, which is profitable to invest in due to two tax deductions. Until the end of the summer of 2024, he was not popular with investors, as they considered the five-year retention period in the account to be too long. Whether the reduction of this period is being considered and why long money is important for the economy is in the Izvestia article.
How much has the number of AIS-3 increased in 2025
By the end of August, the amount of assets of Russians in the IC reached 753 billion rubles, which is 52% more than in the same month last year (it was 492 billion then), follows from the data of the Bank of Russia, which was reviewed by Izvestia. At the same time, the indicator steadily decreased until the end of the summer of 2024, since the IIS-3 was not popular with investors.
Currently, only one type of individual investment account is available to investors — IIS-3. It appeared in Russia on January 1, 2024 and replaced the IIS-1 and IIS-2. The tool allows you to get two types of tax deductions: for contributions and for income from investments, but for this you need to keep it open for at least five years, with a gradual increase in the period to 10 years, depending on the year of opening. You can open up to three such accounts at the same time, and old accounts can be transformed into AIS-3.
Experts interviewed by Izvestia noted a steady increase in interest in the AIS-3. The average monthly number of such account openings increased 2.4 times, from 6.7 thousand in 2024 to 16.1 thousand in 2025, said Andrey Yatskov, head of VTB's brokerage services department. The share of AIS-3 among the accounts opened continues to increase and already stands at 15%, and the average check per agreement for an individual investment account has grown by 41% over the year to more than 920 thousand rubles, he added.
Pros and cons of the third type of AIS
Until 2025, investors faced difficulties in opening the AIS-3. When they were resolved, the demand for the instrument increased significantly, explained Dmitry Lesnov, Deputy General Director for Brokerage at Finam. According to him, a single form of transformation of the second and first types of AIS into the third also greatly simplified the opening of new accounts.
Among the features of the new AIS are: the possibility of opening up to three accounts, combining two previously existing benefits — a tax deduction for both income and contributions, the possibility of withdrawing funds from the AIS for treatment and the absence of restrictions on replenishment, said Artem Kirakosyan, Director of Development of the AIS "BCS World of Investments". The latter, in his opinion, is the main reason for the increased growth of assets on the AIS.
— The popularity of the tool is caused not only by this. The AIS-3 is trustworthy because the authorities are improving the tool to meet customer requests. For example, dividends can be withdrawn to a bank account. The possibility of withdrawing coupons and the initiative to insure funds on the AIS are now being considered," he added.
However, at the start, the product aroused skepticism: the increased minimum term from five to 10 years scared off small investors, and the ban on crediting income from securities to other accounts reduced interest, Pavel Verevkin from KIT Finance explained. In 2024, the increase amounted to only 56 thousand accounts, which is the minimum since 2015, he explained.
Anatoly Aksakov, Chairman of the State Duma Committee on the Financial Market, spoke in early September for reducing the minimum period of ownership of the AIS-3 from the current five years to three. In his opinion, it is necessary to assess the impact of such a measure on the budget. Also, in order to increase the attractiveness of long-term investments, he proposed to exempt dividends remaining on IIS from personal income tax.
How long deposits are changing the economy
The stock market is one of the main sources of financing for both the Russian economy and companies, said Dmitry Lesnov from Finam. That is why it is so important for the country to attract long—term money from the population and investors - this resource provides opportunities for long-term development.
In addition to the AIS, the long-term savings Program (LDS) is also gaining popularity in the Russian Federation. The instrument provides for state co-financing depending on the income of a citizen (up to 36 thousand rubles per year), a tax deduction from 52 to 60 thousand rubles for up to 400 thousand rubles per year, as well as insurance in the amount of up to 2.8 million rubles. It is important to note that the PDS agreement is concluded for a period of at least 15 years, but assumes the possibility of early savings in special life situations.
AIS-3 stimulates investments in long-term assets, increasing the volume of long-term capital in the economy, said Artem Kirakosyan from BCS World Investments. Even the purchase of securities on the secondary market maintains a high level of demand, making it easier for companies and the government to access new funds.
— Without attracting long-term money to the economy, there will be no solid foundation for its growth. For a long time, a visible role was played by foreign capital, which today needs to be replaced and increased through domestic means," explained Natalia Pyrieva, a leading analyst at Cifra Broker.
Long-term money implements large-scale infrastructure projects, ensures the modernization of enterprises and stable financing of government programs, stimulating economic growth and increasing investor confidence in the country, noted Artem Kirakosyan.
Tools like AIS are gaining popularity amid global uncertainty, Natalia Pyrieva added. Without government support, Russians would hardly have invested money for a long time in the current conditions, but stimulating measures on the part of the authorities make it possible to attract the necessary resource for the development of the economy.
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