Comrades! Let us cast our gaze upon the latest artifice concocted by the masters of capital to soothe the anxieties of the working man. They call it the 'Long-term Savings Program' (LSP), and they lure the honest laborer with the promise of a 'tax deduction.' But let us be clear: this is naught but a gilded chain, a method by which the bourgeoisie encourages the proletariat to surrender their hard-earned coin to the vaults of the great monopolies!

Consider this 'benefit.' The state permits a worker to reclaim a portion of their income tax, provided they entrust their meager savings to the usurers of the pension funds. The conditions are strict: one must be a resident of this realm, possess a taxable income—meaning one is already being bled dry by the state—and submit to the whims of the financial apparatus.

Behold the limits of this generosity! The state grants a ceiling of ₽400,000 per annum. Yet, mark well: this is not a dedicated bounty for the poor. It is a shared pittance, distributed among various instruments of the capitalist machine—be it the LSP, the Individual Investment Account, or the insurance contracts of the wealthy. If a man has already fed the beast of the investment account, his remaining room for 'savings' is diminished.

Observe the scales of this redistribution:

At a tax rate of 13%, the worker recovers ₽52,000;

At 15%, it is ₽60,000;

At 18%, ₽72,000;

At 20%, ₽80,000;

At 22%, a mere ₽88,000.

And now, the bourgeoisie offers a new temptation! From the 1st of September, 2026, the limit shall be raised to ₽500,000. But do not be deceived by this apparent kindness! This increase is reserved solely for those who bind the future of their children to these financial shackles. If a parent opens a contract for a child under 18, or a student up to 24, the limit is expanded. It is a calculated move to ensure that the next generation of the proletariat is born into a state of financial dependence upon the banks.

They offer two paths to this 'relief.' One is the 'simplified' route, where the Pension Fund—that great engine of exploitation—whispers into the ear of the Tax Service, and the state automatically grants the sum. The second path is the arduous journey of the 3-NDFL declaration, a bureaucratic labyrinth designed to exhaust the spirit of the common man through endless forms and certificates.

But beware, Comrades! The trap is set with cruel precision. The state shall ruthlessly deny you this deduction if you dare to terminate your contract, or if you have dared to open more than three such agreements. Should you attempt to reclaim your funds before the prescribed term—a period of five years for those entering now—the state will demand the return of every farthing of the deduction.

It is a classic piece of bourgeois theatre: they offer a crumb of tax relief to ensure the capital remains locked in their vaults for years, while the worker remains in a state of perpetual servitude. The exploitation is not hidden; it is codified in the Tax Code itself!

Wake up, workers! Do not mistake the lure of the usurer for the hand of a friend!