To create a comfortable retirement environment, Russians need to use a variety of financial instruments, including stocks, bonds, real estate and precious metal investments. This was reported by RIA News.
According to Olga Daineko, expert of the Ministry of Finance project “Myfinance.rf”, the main task is to obtain income above inflation at a reasonable level of risk.
“We can talk about bank deposits, individual investment accounts, precious metal purchases, real estate, and the use of non-government retirement programs,” he explained.
Daineko emphasized that not only employer contributions but also various savings instruments should be used for financial stability in old age.
Another expert, Andrey Stolyarov, Deputy Head of the Department of Economic Sciences at the National Research University Higher School of Economics, noted that you can start investing at the age of 16, but a more mature age for this is 40-50 years old. The important thing is to understand the risks associated with investments.
According to him, a less risky option is government bonds, but their prices may decrease if the Central Bank interest rates rise. Stocks carry even more risk.
“You must understand that if you invest, you are already assuming the risk. You can start with any amount, but to create a portfolio you will need at least 100-150 thousand rubles,” Stolyarov summarized.
previously economist reported About increasing pensions in December.
Formerly in the Federation Council approved Increasing the value of the pension coefficient.