Belyakov named an effective alternative to deposits for pensioners

The long-term savings Program (LDS) can become an effective alternative to bank deposits for accumulating funds for a long time, including for your own pension. This was announced on December 29 by Sergey Belyakov, President of the National Association of Non-Governmental Pension Funds (NAPF).

"Embedded in it (PDS. — Ed.) incentives, such as co—financing and tax incentives, allow citizens to receive good returns over a long horizon," the expert told the Prime agency.

He added that the total return of the participants of the PDS can exceed the profit from traditional deposits with a high level of guarantees. All funds are protected by the state in the DIA in the amount of up to 2.8 million rubles.

Belyakov also emphasized the attractiveness of corporate pension programs and individual pension plans (IPPs), which allow employers and citizens to independently accumulate savings using tax benefits and additional payments.

Invest in full: the season of New Year's promotions for bank deposits starts

The end of the year is the time to reassess personal and family financial strategies, experts say.

Earlier, on December 23, it was reported that the investment preferences of Russians in 2025 were determined by the growing interest in gold, the emergence of new asset classes and adaptation to a high key interest rate. Floating-rate bonds and liquidity funds were particularly popular, while demand for inflation-proofing instruments remained high.

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