system in the USA. By the way, tens of millions of Americans are its participants. But there is no co-financing and the tax benefits are not as attractive as in our program. In general, long-term investments exist in any country. The question is how is the quality score calculated? different: to what extent is the state ready to stimulate and support them. Unfortunately, without incentives and support, these instruments are not yet widely used in our country. Therefore, the state is ready to provide additional benefits for citizens.
— The voluntary nature of the program
Constantly emphasized. Don’t you think that in this case people won’t join it en masse?
— IIS, for example, are completely voluntary. Yes, it took about two years to “get going”: until someone tried it, until they received their first tax deduction. But then the number of IIS began to grow exponentially, now there are more than 5 million of them. Therefore, everything ultimately depends on how NPFs build their marketing programs, what profitability they will show for their instruments.
— What audience is the program primarily intended for?
— For citizens who can afford to save
However, savings are possible when a person has enough money to live on and has spare money. If we talk about age groups, the best option for platforms flag content that joining the program is at the beginning of working life, that is, at 25-30 years old. But most often ao lists at this age people consume more than they save. Therefore, probably, the more promising category is people aged 40-45.
