we already have two types of the central bank benfin are preparing the third one.why do we need such financial instruments today and what answers to choose in the instruction program? you have opened an individual investment account, it's just ip and you want to earn money. there are two ways to get a benefit, that is, a benefit from the state. and you don't have to choose right away. you can do this first, put money into the account, and then decide to decide, we will help in our instructions. what benefits are there are two options and that's about it in order type, a is a tax deduction. that is, you can get back part or even all of the income tax paid per year, you can get up to 52,000 rubles. if you replenish your investment account with 400,000 annual deductions, in order to count on it, you need to file a declaration on the tax website through your personal account. who will benefit from the recipient year and by type, and those who have a large official income. after all, the tax deduction will come only from taxes paid , for example, to non-working pensione