A friend of mine, first visited the West before retirement, according to her, was absolutely amazed at how people live from thence retired. She confessed to me that experienced this envious of cheerful 'lucky', living on wide leg on the funds once invested in ensuring their old age. From the standpoint of thoroughly dislocated Russian labor market, even those who today barely over 40, – five minutes 'superfluous people'. It's time to sum up preliminary results. Did I in the ongoing struggle for survival to realize their dreams? How much secured my old age? And that I can bequeath to our children? Let us turn to the statistics. Today 70% of Europeans in addition to wages have several sources of replenishment of family budgets, to increase their savings, they invest them in securities. 58% of the U.S.

population will invest part of their income in financial instruments, ensure their safe and secure income. On average, 67.7% of Americans own and manage some real estate to generate income. About 18% of American families own any business or part of the business. At the same is the time to 95% of able-bodied Russians are employed. And only about 2 million (2.3%) are engaged in individual entrepreneurship. For the 58.5 million Russians are the only means of existence are beggarly pension age and social benefits. Only 300,000 (less than 0.4%) of Russians live at the expense of savings and income from securities and a little more than 0,2% receive income from renting or leasing their property.