Алтернативност на спестяванията чрез осигуровка в доброволен пенсионен фонд
Savings alternative by means of insurance in voluntary pension fund

Summary/Abstract: Subject of research in the present article are three of the possible and market-supply forms of a saving investment – bank deposit, purchase of contractual fund shares and insurance in a voluntary pension fund. Conclusions are made on basis of the carried out comparative analysis with marked author’s evaluation for the competitive ability of the offered savings products and the competitiveness of their offerors. Possible problems, determined by the crisis fluctuations on the capital markets are outlined. Optimized product characteristics of the investment offers are underlined, that can successfully transform into main motive for a well-founded consumer’s choice in the following direction “realized investment necessities – high investment culture – specified investment choice”. The tendency in accumulating savings resources in bank deposits (saving accounts) is moved into different direction – its transformation into joint investment scheme shares, in personal insurance account in voluntary pension fund, in shares of companies with special investment purposes, etc., with trust management of assets. It is predetermined by the presence of a set of alternative investment positives – high investment profitability, transparency, liquidity, comparatively low costs (fees and deductions), professional management of managed funds (investment and pension), etc.

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