The System of Non-State (Voluntary) Pension Insurance: Analysis of the Structure and Barriers to Citizens’ Trust

The article reveals theoretical approaches to the analysis of the non-state (voluntary) pension insurance system and trust in it. The goal is to determine the structure of the voluntary pension insurance (VPI) system and analyze barriers to public trust in this system. The research methodology is based on the behavioral approach of R. Thaler and the analysis of the results of modern studies affecting the issues of public trust in the management entities of the VPI system (non-state pension funds; insurance companies; companies implementing VPI programs as part of corporate responsibility). A conclusion is made about the existence of four types of barriers: information and communication (due to insufficient public awareness of the pension system of the Russian Feder-ation), value-ideological (due to institutional mistrust), instrumental (associated with insufficient skills in using finan-cial instruments) and structural (imperfection of the VPI system). A conclusion is made about the interrelation of barriers and the need for an integrated approach to reducing them.