Russians were told about ways to save money for a child from birth

Parents in Russia can open accounts for long-term savings for children immediately after their birth. Sergey Belyakov, President of the National Association of Non-Governmental Pension Funds, told Izvestia on June 1 that many families want to create a financial cushion for their children, but they don't always know how to start saving properly.

For example, one of the tools is the long-term savings program, which allows you to open an account immediately after the birth of a child and regularly save small amounts. The program provides for state co-financing in the first 10 years, a tax deduction and investment income from a non-state pension fund. In 2024, the yield was about 20%, in 2025 — 19%.

"If each parent with an income of about 100 thousand rubles per month puts aside 2 thousand rubles a month to the child's social security account in favor of the child, that is, in the amount of 4 thousand rubles per month, then by his 18th birthday, you can save about 3.3 million rubles. These funds can be received in a lump sum or issued in the form of regular payments — for example, 27.9 thousand rubles per month for 10 years or 14.7 thousand rubles for life," he said.

According to him, from September 2026, it is planned to increase the tax deduction limit from 400 thousand rubles to 1 million rubles, which will give families a direct financial benefit of up to 26 thousand rubles per year.

Belyakov stressed that the PDS is a full—fledged financial instrument that helps plan expenses for education, housing and other significant goals. In his opinion, the discovery of PDS from the first days of a child's life should become a natural part of parental care and a step towards the formation of a culture of long-term savings.

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