Representatives of the Bank of Russia and non-state pension funds (APF) will hold a meeting this week dedicated to the fate of the funded part of pensions. As a result of the meeting, an agreement could be reached on the actual transfer of these funds to the control of the Central Bank, the telegram channel "Pipe under Neglinnoy". According to the resource, the head of the Bank of Russia Elvira Nabiullina came up with the idea to turn the funded part of the pension into an individual pension capital (IPC). This is not about changing the signboard, but about the intention to "snatch" money out of the pension system, that is, out of control of the government's social bloc. In this case, the funds in the amount of about 1.5 trillion rubles will be accountable to the Central Bank. Given the political weight of the regulator, he will be able to achieve this by force.
The fate of frozen pension funds is at stake. It is a question of 6% of 22%, which the employer deducts to the Pension Fund of the Russian Federation (PFR) from each salary. The freezing of pension savings on NPF accounts was introduced in 2014. Initially it was supposed to last a year, but since then the decision has been regularly extended. According to the latest decrees of the head of state, the frost will end only in 2020.
When funds are unfrozen, they must fully return to NPF accounts (and there are 38 of them in the deposit insurance system). In addition, the amounts will be indexed, but only if a number of conditions put forward by the regulator. Probably, these conditions are now the subject of discussion between the Central Bank and NPF.
"According to our data, the leaders of the APF will be offered a scheme in which they will receive, on the horizon of 2021, with the political and organizational mediation of Elvira Nabiullina, frozen pension savings. Of course, given the investment of some of this money in assets that will indicate with Neglinna. For example, in bonds, and even in the shares of banks, which are now improving in the Fund for the consolidation of the banking sector, "- write the authors of the telegram channel.
Possible introduction of individual pension capital instead of the accumulative part of pensions has been discussed for several years. According to the existing concept, the IPC will be formed at the expense of voluntary allocations of citizens to APF. Initially, it was assumed that such a system should enter into force on January 1, 2019. However, the final decision on this is constantly postponed.
One of these days in the Ministry of Finance of the Russian Federation have declared that introduction of PKI is not "a hot priority". "This is a long-term task, and we have short-term ones on hand," said Deputy Finance Minister Anton Moiseev. Earlier, he reported that the discussion in the government of the PKI concept was postponed until the end of 2018. due to the shortcomings in the draft law by the Central Bank, the Ministry of Finance and the Ministry of Labor.
The Ministry of Labor proposes to form the IPC not at the expense of automatic deductions, but voluntarily. "The Ministry has always taken the position that additional accumulation for retirement should be voluntary. The person himself must decide whether to deduct money from his salary in the accumulation. This should not be in force by law and should not be deducted from the general tariff. Moreover, the NPF market is not very happy from the point of view of reliability, "the Russian Minister of Labor and Social Protection Maxim Topilin said in a recent interview.