According to Chebeskov, the task is to develop the most effective instruments of state support that will allow families with children to create a reliable financial basis for the future of their offspring.
“We are analyzing various options on how to make the family investment program as useful as possible for families with children. In particular, we are considering the possibility of opening a PDS directly in the child's name, which, in our opinion, may serve as a basis for increasing the amount of co-financing from the state, as well as providing an extended tax deduction for parents,” the deputy minister emphasized, speaking at the ACRA conference of the III Russian Financial Market Forum. He also noted that this proposal is at the stage of elaboration and has not yet been approved.
Recall, the long-term savings program, launched in Russia on January 1, 2024, is aimed at encouraging citizens to form personal savings to ensure financial stability in the future.
Any adult citizen of the Russian Federation can become a participant of the program by concluding an agreement with a non-state pension fund, which acts as the operator of the program. The state provides financial support to the program participants in the form of co-financing in the amount of up to 36 thousand rubles per year.
The minimum term of participation in the program is 15 years, and participants have the right to start receiving payments when they reach retirement age (55 years for women and 60 years for men).
The proposed initiative to co-finance children's investment accounts may become an additional incentive for Russian families to actively form long-term savings and create a reliable financial safety cushion for their children.
In parallel, the Ministry of Finance is working on a decree simplifying the import and export of capital for foreign investors, which was also voiced by Ivan Chebeskov. Earlier, economist Litvinenko shared her advice on how to form a pension of 100 thousand rubles.