Alternative state pension options for increasing the level of pension provision for residents of Russia

The authors analyze the pension interests and expectations of Russian residents based on the results of sociological surveys conducted in 2007-2023. They determine the amount of additional payments to form a fair pension desired by citizens in conjunction with the state pension. They consider the effectiveness and reasons for the unpopularity of various instruments for obtaining additional income at retirement age - non- state pensions, renting out real estate, reverse mortgages and annuities. They suggest ways to improve the effectiveness of reverse mortgage lending for decent pension provision, which can be taken into account when adjusting state housing and social policies.