Embarking on a large-scale project, the result of which will be visible in 15 years, is tempting and a little scary. But if you imagine that it consists of small steps, like a mountain – from individual stones, then you will be confident in your abilities! Let’s look at this tactic using the example of how much money you want to save, and not just spend, but it’s not clear how to approach this issue.
Meet Sveta. She is 28 years old, she lives in Samara and works as a consultant in a clothing store. Sveta earns 50-70 thousand per month depending on the plan and bonuses. She had long wanted to save money in order to build up a good financial cushion and to feel secure if her income suddenly stopped being sufficient.
Sveta calculated that if the money was lying around at home, she would save 36,500 rubles in a year and 547,500 in 15 years. Not enough, the girl decided and studied long-term investment options. Imagine his surprise when it turned out that you could get around 3.5 million at once! Moreover, for this you do not need to resort to the services of dubious intermediaries or invest in risky projects – the state national project “Efficient and competitive economy” offers a win-win option.
Since 2024, Russia has had LDS, a long-term savings program. It is called that because you can receive the payment after 15 years or after reaching 55/60 years old.
This is what will happen to Sveta’s money (and not only: more than 8 million Russians have already joined the program). She opened an account with a non-public pension fund (NPF), which participates in the PDS. All major banks have these funds. Every month she transfers the 3,000 rubles accumulated in the account, or 36,000 per year. Now pay attention to the most important details:
Yes, but we already mentioned it above: a long deposit period. If you withdraw the money early, they can only give you back your contributions – without interest or co-financing. Different NPFs have their own calculations, so read the agreement carefully.
There is an exception to this rule in the form of a difficult life situation. For example, if something happens to your health, the money can be withdrawn sooner. But, of course, it would be better if such moments did not happen.
Another problem is money security. Here everything is simple: contributions up to 2.8 million rubles. assured. This means that if something happens to the NPF, the money will be returned to Sveta (and you!). If the fund makes an unsuccessful investment and there is a loss instead of a profit, this will also be refunded.
The main thing is to start today and move forward in small “hundred ruble” steps that will lead to a decent income in the future. Thanks to national project “Efficient and competitive economy” you have a great tool for increasing even small but regular amounts.
Social advertising. ANO “National Priorities”, Erid: 2W5zFJCENjr
Ben Stock is a lifestyle journalist and author at Gossipify. He writes about topics such as health, wellness, travel, food and home decor. He provides practical advice and inspiration to improve well-being, keeps readers up to date with latest lifestyle news and trends, known for his engaging writing style, in-depth analysis and unique perspectives.
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