Abstract
Using actuarial methods on the basis of official statistical data for Russia and Rostov Oblast, the paper estimates the amount of net premium that must be paid to receive a pension corresponding to the average size, and the amount of potential pension that can be expected if the net premiums equal the contributions paid to the Pension Fund of Russia. An actuarial estimate was made for men and women living in urban and rural areas, without considering the settlement aspect. It is shown that voluntary pension insurance programs are a more promising way of accumulating future pensions for individuals starting their labor activity early than compulsory pension insurance. The necessity of using regional tables of mortality and life expectancy when introducing voluntary pension insurance programs has been substantiated.