The government decided to save the economy by investing in Russians savings

The Russian authorities have developed a plan for large -scale attracting savings in Russians to finance long -term investments of the state and business. The government intends to create new investment products, start attracting Russians to invest in them and sets the task to multiply Russians investments in such tools. The relevant ideas were announced during the meeting of the government with Russian President Vladimir Putin, who supported the ideas of the Cabinet of Ministers, writes Kommersant.

The authors of the idea were the Minister of Finance Anton Siluanov and the First Deputy Prime Minister Andrei Belousov. They are sure that with the help of the proposed initiatives they will be able to solve several problems at once: to return confidence in the Russian stock market among citizens, to provide them with tools with high guarantees and increased yield, as well as provide the economy with the so -called “long money” that can be invested in long -term projects with a long payback period. With the help of Russians, the authorities expect to replace the funds of foreign investors who left the Russian market after the start of a full -scale invasion of Ukraine.

“These are new opportunities for our people. Not just to keep money under a pillow or a bank, but to make it possible to reliably invest money and use additional opportunities for income. One of the main tasks of the development of the financial market is that our citizens can invest in new tools and receive good income, ”the Minister of Finance said.

The government relies on three tools. The first is long -term savings with co -financing the state. Technically, it will be similar to a bank deposit, but due to co -financing by the state the instrument should be more profitable than a conventional deposit, Siluanov promises. According to him, such a tool is suitable for "cautious investors."

The second tool-individual investment accounts (IIS-3) of the third type, for which they can buy shares of Russian issuers (Sberbank, Gazprom, Rosneft, etc.), receive a tax deduction, and income from the sale of assets will not be subject to personal income tax. Also on this subject it will be possible to buy state and corporate bonds of Russian issuers. Thus, citizens will be able to finance the expenses of the authorities and help domestic business in the conditions of a closed foreign capital of capital.

The third tool is long -term life insurance. Here, the Ministry of Finance supposedly turned to Soviet experience, when a citizen could insure his health, and the funds spent on insurance are invested in case of non -use and bring income to the client. Interest on the policy is paid after the expiration of the policy. Siluanov promises that the profitability of these tools will also be higher than traditional deposits. Andrei Belousov also noted that for all new types of instruments there are tax benefits, in particular, they are planned to be exempted from personal income tax.

According to the deputy prime minister, from under the mattresses of Russians, you can attract about 8% to the stock market (about 12 trillion rubles, if counted from the nominal value). At the same time, the authorities do not talk about the riskiness of the proposed tools. The papers of Russian issuers in the conditions of war became extremely volatile. For example, Gazprom demonstrated several record falls on the exchange during the year, and twice this volatility was caused by the government’s decision on the dividends of the state -owned company. The life insurance tool for a long time was considered to be close to fraudulent experts, since the funds were transferred to the Office of a non -state pension fund (NPF), but no profitability was guaranteed.

Finally, the Russian market, according to the results of 2022, collapsed by 43%, and the outflow of capital from the country amounted to $ 217 billion. Against the backdrop of the decisions of Vladimir Putin, the Russian stock market collapsed more than doubled. On February 21, the Moscow exchange index was at 3460 points, and on February 24 collapsed to the mark of 1681 points. At the moment, the Russian authorities are experiencing serious difficulties with sources of financing government spending. The speed of increasing budget deficiency has grown in a record pace since the 90s.