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Article

Динамика пенсионных стратегий населения за 2005-2012 гг.

In 2012, only 7% of Russians of working age and non-retired were confident that the size of their state pension will be sufficient for maintaining the normal life during their pension period, another 26% were not confident, but hoped this will be the case. The percentage of people which were more or less confident that they the size of their state pension will be sufficient, in 2012 reached a maximum during the period of observation (2005-2012). In order to compensate the projected shortfall of income, half of Russians of working age (49%) expect to continue working. The closer was the retirement age, the higher the percentage of those who thought about continuing working in retirement, this pattern is more common among the most affluent groups, and residents of megacities. The percentage of those who plan to continue working after retirement has increased by 6 percentage points since 2011. Retirement savings as a method of accumulating funds to be spent in retirement, were less popular: in 2012, only 11% of Russians of working age expected to live on their personal savings or non-state pensions during their retirement. Since 2005, the occurrence of retirement savings has increased, but they are still much less popular than strategies to earn money from market employment. And people's expectations are justified: in 2005-2012 the proportion of working pensioners increased from 10% to 32%, with a decrease from 13% to 1% in the proportion of pensioners who used self-provision. Savings or income from the private pension system used no more than 1% of pensioners. Just as many pensioners received income from their real estate.

Awareness of the fact that employees may make voluntary contributions from their salaries to the private pension fund in order to receive an additional private pension is quite high: in 2009, 49% of the employees knew about it, and in 2012 the number has increased up to 63%. However, the proportion of those who make voluntary contributions to a pension has not increased during 2009-2012 and remains at the level of 5% of Russians. The two main reasons for not using services of private pension funds were: the lack of trust to the private pension funds (54% in 2012) and the lack of money for such investments (32% in 2012).

Awareness of the program state co-financing of pensions is also high: in 2009 70% of the respondents knew about this program, and only one in four respondents heard about the program the first time during the survey, in 2012 the level of awareness has increased up to 81% of all respondents. Russians are not only aware about the program, but also evaluate it positively. Although in the past three years the attitude to the program somewhat deteriorated. The situation with the intentions to take part in this program and to make a contribution to their future retirement is much worse: in 2009 only 6% of people who were eligible to participate in this program participated or were ready to take this step. During 2010-2012 this figure has not increased.