T-Bank is preparing to launch its own non-state pension fund, Tinkoff Pension. Company has already received a license from the Bank of Russia, which allows it to operate in the pension market, including participation in the long-term savings program. Fund will be based on the "Perpetual Portfolio" strategy, which invests in shares, long-term and short-term bonds, as well as gold in equal shares. Strategy is designed to show results in any phase of the economy, with a historical return of 13% per annum.