On average, each Krasnoyarsk made 30 thousand rubles under the program of long -term savings / News of the Society of Krasnoyarsk and the Krasnoyarsk Territory / Newslab.ru

Residents of the Krasnoyarsk Territory actively conclude agreements on the program of long -term savings (hereinafter PPS). The average amount of funds deposited according to the program for one participant in the PSB amounted to about 30 thousand rubles.

The program of long -term savings involves the active participation of citizens in the formation of capital with the support of the state. Its participants create savings at the expense of personal funds and pension savings, regularly transferring contributions to the selected non -state pension fund.

Participants who annually make at least 2 thousand rubles under the program, the state increases the amount of savings. Thanks to co -financing from the state, each participant in the program can receive in addition to his savings up to 36 thousand rubles a year and up to 360 thousand rubles for 10 years of participation in the program*.

The amount of co -financing depends on the amount of contributions and the average monthly income of the program participant. Also, the program participants can issue a tax deduction from the amount of contributions within 400 thousand rubles per year **. Investment income for the PDS is accrued for the entire amount of savings, including own contributions, state support and funds transferred to the program for a funded pension for the OPS. Investment income received under the program is not subject to personal income tax ***.

The state guarantees the safety of the funds and income made by participants in the investment in the amount of up to 2.8 million rubles ****, which is significantly larger than in the urgent deposits of banks. The full payment of the PDS can be obtained after 15 years from the date of conclusion of the contract or with the reach of 55 years by women and 60 years by men. Savings are paid to participants in the form of a one -time payment, regular payment for a period of 5 years or lifelong payments.

The program also provides for the possibility of picking up the formed accumulations ahead of schedule in the case of special life situations, such as the loss of a breadwinner or payment of expensive treatment.

“The program of long -term savings gives a unique opportunity to purposefully form capital for long -term goals, using various tools – own funds, guaranteed support for the state, tax return, investment income. Using the program, you can accumulate for the purchase of housing, training of children, create a “financial pillow” for the future or increase pension payments. At the same time, the entrance threshold to the program is low. The client himself decides with what frequency and how much to make contributions, ”says Maria Batashova, deputy regional director of the development of the PSB retail business in Krasnoyarsk.

You can conclude an agreement on a long -term savings program in any of the PSB offices:

• Krasnoyarsk, st. Surikova, 16;
• Krasnoyarsk, Ave. newspapers Krasnoyarsk Worker, 33;
• Zheleznogorsk, st. Lenin, 26;
• Yeniseisk, st. Kirova, 68 A;
• Minusinsk, st. Abakan, 55.

*SOFINISING from the state is provided annually within 10 years after the first contribution under a long -term savings agreement. The amount of co -financing is determined by paragraph 4 of Art. 36.44 No. 75-FZ “On non-state pension funds”.

** The size of the tax deduction is 13% – 22% of the amount of contributions, within 400 thousand rubles. Within the framework of the calendar year (depends on the tax rate used).

*** In the case of early termination of the contract, as well as in the appointment of periodic payments earlier than 5 years of the contract, personal income tax will be withheld from investment income (if any).

**** No. 555-ФЗ “On the guarantee of the rights of NPF participants in the framework of the NGO and the formation of long-term savings”.

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