The Ministry of Finance buries the concept of «individual pension capital»: in return the Russians offered «guaranteed pension product»

The Ministry of Finance buries the concept of «individual pension capital»: in return the Russians offered «guaranteed pension product»

Akishin Vyacheslav / Moscow-Live.ru

The Finance Ministry has drafted a new bill on accumulative pension system instead of the individual pension capital (PKI). The new system will be voluntary and have tax breaks for business and tax deductions for citizens, told journalists in a press-service of the Ministry of Finance of Russia, reports «Interfax».

The preliminary working title of the new draft law «On guaranteed pension product.» The bill was sent for approval to the Ministry of labor. In the near future it is planned to submit for public discussion with the professional and expert community, after which the draft law will be submitted to the government

Among the main elements of another «pension reform» called for a voluntary joining of citizens to the system of savings, ensuring safety of long-term pension savings with the state, check the savings accounts of citizens of the Central administrator, tax breaks for business and tax deductions to citizens.

«Under the new system, citizens will have the opportunity to join the guaranteed pension product is available in the system of mandatory pension insurance savings. The main purpose of this bill is to create a state system of guarantee of security of voluntary pension savings of Russian citizens, creating incentives for like self-generated savings of such workers, and for the development of corporate pension plans», — explained in the Ministry of Finance.

As reported, in 2016, after another «freezing» of pension savings in the mandatory pension insurance system, which was first introduced in 2014, the Ministry of Finance and the Central Bank of the Russian Federation began developing the PKI.

It was assumed that cumulative old system will be dismantled and will be fully in the program of the PKI. Since that time, he was working on a bill on the new system. But he did not come to public discussion because of disagreements between the regulator and ministries, as well as due to the large resonance on the issue of retirement age. In the fall of 2018 in Russia, a law was passed providing for the gradual increase in the retirement age to 60 years for women and 65 years for men.

The concept of IPK was also suggested that forming a new pension savings will be the citizen. In the first year of inclusion in the system of contributions will not be levied, then the rate will be set at 1% of salary, a year — 2% up to 6%. It is also planned that the contributions to the Institute will be exempt from personal income tax.

Last week, Deputy Minister Alexey Moiseev told reporters that the CBR and the Finance Ministry will soon present a new concept, some provisions of which will be based on the bill of IPK.

The head of the Bank of Russia Elvira Nabiullina at a press conference on Friday also said that the CBR does not see any willingness to implement a PKI system, consider it necessary to concentrate on improving the current system, including the development of voluntary pension schemes.

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