The problem of the preservation of pension savings of Russian citizens remains relevant, especially, given the inevitability of inflation growth. In this regard, deputies plan to expand the possibilities of investing pension funds of compatriots, complementing the list of profitable and safest investments with precious metals: gold, silver, platinum and palladium.
The proposal to include in the legislative framework the option of investing pension savings of citizens of the Russian Federation in precious metals (such as gold, silver, platinum, palladium) was recently submitted for consideration by the State Duma. The initiator of the proposal was deputy Andrei Tychinin, who claims that such measures will be able, at least partially, to reduce the acute lack of tools for investing pension funds of Russians and ensure their profitability.
At the moment, Vnesheconombank (VEB) is managing approximately 1.3 trillions of rubles of pension savings, owners of which are approximately 60 million citizens. At the same time, the state manager is not only unable to increase the profitability of pension funds, but, on the contrary, demonstrates negative indicators in the profitability of the investment of pension savings. According to all the same Andrei Piachinin, given that in recent years the volume of the initial contribution due to inflation has decreased by 29.23%, then with further management of the VEB with similar financial indicators by 2022, only the third part will remain from all pension savings of citizens. This cannot be allowed in any way, therefore, referring to the statistics of the increase in the profitability of deposits to gold for the previously called time segment, which amounted to about 72.5% (silver – 124%), the deputy claims: “If the pension accumulations under the control of VEB, were invested in these metals back in the year, then today they have more than doubled by inflation.
Experts are not so confident in the effectiveness and reliability of such operations. They say that there is no reason to consider precious metals a more secure investment tool than other familiar types of investments. The specialists call investigation in the action much more practical and protected. “The fact that the profitability of pension savings may be lower than inflation is not so important in the long run. It is necessary to look at historical yield on a large period of time, ”says investkafa analyst Anton Safonov.