The article gives the main ways of practical realization of risks, which appear during the process of cooperation between non-state pension funds and commercial banks on the basis of deposit agreements. Methods and mechanisms of prevention and elimination of risks’ realization are aggregated. The article summarizes the important experience that can be useful during the process of developing a non-state pension fund’s investment strategy.
The aging of Russian population leads to inefficiency of Pay-As-You-Go system, where the benefits come solely from government taxation of current workers' wages, and seems to be one of the problems of Russian Pension System. This is the overview of Russian demographic settings compared to other countries from US CIA ranking. Long-run instruments of influencing demography in Russia are stated below.