I, like most adequate people, think that the pension system in Russia is bad.
But I know for sure that if you give this money into the hands of people, it will be necessary to legalize euthanasia, because instead of a binary basket 90% of the population under the age of 50 will live with the thought that they will still have time to accumulate, and the remainder that is no longer to start. And if you set up private funds, then in 20-30 years it will be that "money is not in the funds, but you keep."