Современные возможности индивидуальных пенсионных накоплений населения в регионах на примере Сибирского федерального округа.
The article is devoted to the assessment of current opportunities for individual pension savings of the population on the example of Siberian Federal District. We consider the assessment of present opportunities of the population and regional differences in the amount of cash income, savings, availability of financial institutions: non-state pension funds, management companies, insurance and credit organizations and the financial and pension services they offer for the formation of individual pension capital. The current stage of pension reform is aimed at finding a funded model in compulsory pension insurance. The current procedure for the formation of the funded part of the labor pension for the last three years has been under a moratorium, but the pressure of demographic and economic reasons has led to a return to such pension savings. The change in defined-contributions' (DC) pension accounts of citizens to individual savings accounts removes them from compulsory pension insurance to the personal level, which determines the need to assess and monitor the individual capabilities of the population and the regional differences present. The conclusions about the feasibility of maintaining and domination of the state solid basis of pension insurance with the possibility of voluntary pension savings and tax incentives due to falling real incomes and insufficient savings of the population at present, insufficient availability of non-state pension funds in the regions based on the subjects of the Siberian Federal District are substantiated and formulated. Additionally, the task of providing information support for the planned pension reform and improving the financial literacy of the population is argued. The possible issues of introducing the mandatory form of pension savings of the population in the context of economic recessions and insufficient budgetary possibilities for balancing pension liabilities and expenses are substantiated.