Creating conditions for long-term savings as one of the ways to increase the level of pension provision for Russian citizens

Volskaya Tatyana Evgenievna

the subject of research in this article is the new financial instruments that create conditions for long-term savings, primarily as part of a savings strategy for old age. In this regard, the author considers individual pension accounts of the 1st and 2nd types, as well as analyzes the concept of type 3 IIS. The purpose of the article is to justify the expediency and necessity of implementing type 3. The methodology used in writing the article is reduced to the application of economic and statistical methods, methods of comparative analysis. The conclusion formulated in the article is that it is necessary to develop all possible ways of saving for old age: pension programs in non-state pension funds, pension insurance in insurance companies, pension deposits in banks and is of various types.

Keywords:pension system, non-state pension funds, individual investment accounts, trust management, management companies, brokers.