“Retirement – without savings”: 57% of Russians do not postpone to old age
45% believe that the pension is too far
More than half of Russians – 57% – do not save money for retirement. Such data leads a survey conducted by the financial marketplace.
Why is that? 45% believe that the pension is too far to think about. 30% prefer to spend on current needs. 13% are afraid of inflation and do not trust long-term instruments.
Financial analyst Mikhail Belyaev explains that some simply do not have enough income, while others still do not trust financial institutions after 1991.
But the expert is sure that even small savings in 40 years will be a round sum. The main thing is not to keep money under the mattress. Belyaev advises bank deposits and long-term savings programs with state support. But securities are not for everyone: you need knowledge and luck.
In 15 years, the program will give about a million rubles. Skeptics say it's not enough. But better with a million than without it, says Belyaev.
Toxic currencies he does not advise to buy - the yield is lower than that of deposits. And free funds are advised to spread out in different baskets.
Those who save save save 5-10% of income. 29% dream of 10-20 million rubles for retirement, every fifth agrees to less than 5 million rubles. However, economists remind: with an average salary of 112.3 thousand rubles after the tax to postpone more than 10 thousand will not work.
