How to increase your pension in the future if you are an IP programmer now?

Question

Law in IT

Please share your experience of fellow programmers working as an individual entrepreneur in Russia.
By law, an IP programmer (simplified, for example) must pay a fixed annual pension contribution - in 2018 it is 26,545 rubles.
But after all, it is from this amount in old age that the pension will be calculated! These are miserable pennies - I read somewhere that such a pension in the best case will be 8-9 thousand rubles a month.
The first idea that comes to mind is to voluntarily pay some additional amount to the Pension Fund of Russia (PFR) every month. According to my estimates, this amount should be at least 15 thousand rubles a month in order to correspond to the contributions that are transferred to the PFR from a white salary of 80 thousand rubles. per month (minus the one already transferred there as an individual entrepreneur - and this is an average of 2800 rubles per month - with an income of 80 tr per month).
Is such a scenario of monthly additional payments to the FIU possible? And will it really lead to an increase in future pensions? Will it not turn out that these additional funds will end up in some non-state pension fund, which in 5 years will burst without a trace (and all of the above will disappear)?
Share how you solve this problem for yourself. Only, please, without advice like "do not mess with the state, save up for an apartment and rent it out in old age," etc. I'm only interested in official ways to solve the problem.
UPDATE1
Do I understand correctly that in Russia an individual entrepreneur is significantly disadvantaged compared to an employee on a salary - in terms of calculating pensions? As far as I understand, an employee on a salary pays a PERCENTAGE of earnings - as a pension contribution - and an individual entrepreneur a FIXED (and small at the same time) fee. Those. the employee, the more he earns, the more deductions go to him (to the state pension system, right?) - but the individual entrepreneur does not.
In this case, how about such a scheme: what if you open not an individual entrepreneur, but an LLC - become the general director there and pay your own salary? Is such a scheme workable, and does it really make it possible to equalize the pension rights of a freelancer and an employee on a salary?
UPDATE 2
Here are links on the topic:
https://www.klerk.ru/buh/news/466653/
https://pikabu.ru/story/ip_ili_ooo_a_teper_o_pensi...
If in a nutshell:
- IP is not able to provide himself at least the same pension as an employee with a white salary (unless he uses a non-state pension fund - monthly deducting voluntary contributions there).
- Indeed, instead of an individual entrepreneur, you can open an LLC - then you will have a pension no worse than an employee on a white salary. But some criticize this approach, see the links for details.
Put forward your ideas.

Answer 1

Set aside 10-20% of earnings monthly in a box. Then from 5k bucks - open an account abroad, a Swiss bank for example. This is the only option.
PFR State for 4 years took away all the money that all citizens transferred there. And he also took the extra money that they promised to increase, according to payments. They were stupidly stolen. So don’t count on a pension above $150, no matter how much you donate there

Answer 2

subjectively: in fact, with these reforms, I count on no pension,
ps I can’t even imagine what freelancers are counting on

Answer 3

Rely only on yourself
Any decision that you do not control is not even worth considering Only those places where
you can go in and out whenever you want
Banks
Just randomly take any bank, including Swiss
they and whether taxes were paid on them - this is a universal advice for any civilized bank when you have an amount up to $100M
Interest is about 0
Children
If you have a life partner, then they, with the right approach, are the most flexible solution
Funds
Normal from $500k
3- 5% per annum
Real Estate
Growth Market Only, For Sale ASAP only
Many subtleties, a huge probability of losing investments

Answer 4

Be glad you don't pay too much, because you won't get the money anyway. They will be allowed to build luxurious PF mansions and other useful activities. And you may simply not survive until retirement when the retirement age is raised to 80-90 years. Or, most likely, they will simply cancel all old-age pensions. So consider these contributions not as pension savings, but simply as requisitions.

Answer 5

The amount of pension that an ordinary citizen (not a former official / scientist / there are several categories that are extremely difficult to get into) can theoretically receive is so small that it makes no sense to bother.
Just save up for the property you'll be renting out.
Save up in a safer currency.
Save up in children who love you and will take care of you.

Answer 6

But it is from this amount in old age that the pension will be calculated! These are miserable pennies - I read somewhere that such a pension in the best case will be 8-9 thousand rubles a month.

Some optimistic requests. Well, if there is more than half of what was expected.

The first idea that comes to mind is to voluntarily pay some additional amount to the Pension Fund of Russia (PFR) every month.

The idea is good. But not in this space-time location. In theory, as it is written in the constitution, all the wealth of the bowels of the Russian land belongs to its citizens and the funds from their sale too. By type as the oil states of the Middle East. Therefore, gigabucks from the sale of oil and gas should be used to improve the quality of life of citizens. How do you really know.
Back in the well-fed oil years of 2007-2010, there were forecasts that the retirement age would rise. There is such a trend in the world economy: civilization is aging, there are fewer and fewer young people capable of providing pensions for the elderly, and they are not very eager to work. After the Olympics and the application of sanctions, forecasts turned into expectations when and by how much they will increase. Do not forget about the imperishable: "There is no money, but you hold on!"
Therefore, if you don’t want to eat pasta for gray hair and don’t sit in line for another portion of humiliation in the social security, clinic, housing office, sculpt your pension fund in your name. Foreign currency, precious metals, precious stones in reliable foreign banks (I remember the Pavlovsk monetary reform, the shock therapy of the economy, and how the Cypriot bank said that depositors' money is his personal money).