Authorities year already threatened to launch a new model of pension savings - IPK (individual retirement capital). Levada Center polled the, for whom another innovation afoot - ordinary people dopensionnogo age. In the study,, conducted in late May, It revealed, that more than two thirds of respondents did not want to make additional contributions.
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It is unlikely that someone could seriously count on a special enthusiasm for PKI. This is not the first from the beginning of zero pension innovation, which offers citizens to attend to their own savings, although traditionally it was the employer's care - to deduct the pension fund for employee funds.
"Generations have grown in the conditions of these rules: do you work, and bureaucracy takes over bookkeeping ", – explains senior director of financial institutions ratings National Rating Agency (NRA) Karina Artemyev. However, according to a study by the Levada Center, and young people aged 18-24 s also mostly not ready to set aside for retirement on their own: the feasibility of additional fees recognized only 40% Representatives of this generation.
comes, related to PKI is determined not so much belong to the age group, as the content of the proposed instrument. It implies, recall, whether voluntary, whether compulsory (then the authorities have not decided yet) deductions from wages for specialized accounts. The size of the sums taken out of the purse of workers will be from 0% reforms in the first year to 6% six years later (annual step - 1 pp). And this means, as promised, will be the property of the citizen.
The first deputy chairman of the Bank of Russia Sergei Shvetsov explained the "irresponsibility" of two-thirds of the pensioners of the future, pension savings that have "very negative connotations":"First of all, the word "pension" itself - it's bad. It called "old age pension", but old age does not cause positive emotions in humans ".
And the "connotation", too, as without them. But less lyrical estimates suggest, Now that people just have nothing to save: in the country a lot of low wages. So, according to the calculations of the Analytical Center under the Government of the Russian Federation, more 12 million workers can not provide for themselves and their families. According to Rosstat, wages below the subsistence minimum (Office refers to this level of poverty), received 10,67% workers; one to two living levels minima (poverty) — 27,5%. I.e, about 40% Russian workers believe a penny from paycheck to paycheck. First Deputy Chairman of the Central Bank of the problem of poverty embracing Russians formulated very diplomatically: "Against the background of the current needs, short and medium term, psychologically very difficult to give up current consumption in favor of long-term accumulation in the absence of such a culture ". Really, What kind of culture.
Presumably, a significant role played by the speed in identifying the pension apathy, which flashed in our reality retirement model - judging by the announcements of the authorities on the eve of the launch of each, One other progressive. Previous funded scheme not existed and nine years: accumulation, as is known, "Froze".
"To achieve public confidence in the pension system failed: the rules are changing; the formula incomprehensible offer; then - it was our, It was not ours ", – explains pension inertia Russians Karina Artemyev. This variation of the overall epic cry: stop already – Stop experimenting with pensions!
How did the respondents to the Levada Center, not "check out" the initiative of the authorities with PKI, They are going to provide for your old age? Though 7% count on an additional pension from private pension fund or employer (about the same proportion of, as undecided): and more optimistic about this source of young people 18-24 years (10%), and almost did not take it into account (4%) they, who for 45.Dve thirds (66%) the main source software see the state pension, still almost a quarter (24%) They are going to continue to work, and one in six (15%) It relies solely on products, grown in his garden. On the family hopes to help every tenth (11%).
PKI system planned to launch a 2019 of the year. But the deadline was moved – can, on 2020 year, can, and further.
