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?????????????????? ?????????????? ???? ???????????? ?????????? ???????? ???? ???????????????? ?????? ?????????? ???????????????? ???? ?????????????? ?????????????? ?????????? ???????????? ???????????????? ???????????? ?????????????? ???????????????????? ?????????????? ???????????? ?????????????? ???????????????? ?????????????? ?????????????? ?????????????????? ???????????????????? ???????????????? ???????????? ??????????????. ?????? ?????????? ?????? ?????????? ???? ?????? &#8220;?????????? ??????????&#8221;?? ???????????? ?????????????????? ???????????????????? ?????????????? ????????????????.<\/p>\n\n\n\n<p class=\"has-text-align-right\">?????? ???????? &#8220;???????? ?????????? ?????????????? ?????????????? 2050 &#8211; ?????????????? ????????????&#8221;?? ???????? ?????????????? 50 ?????????????? ?????????????? ?????????????????? ?????????????? ???????????????? ???????????????????? ?????????? ?????????? ?????????? &#8220;???????? ?????????? ???????? ?????????????? ?????????????? ???????????????????? ????????????????????&#8221;?? ?????? ?????????? ???????????? ?????????????? ???????????????? ?????????????????? ??????????????. ???????? ?????????????? ???????????? ???????????? ???? ?????????? ???????????? ???????????? ?????????????? ?????????? ?????????????? ?????????????????? ?????????????? ?????? ???? ??????&nbsp;AON&nbsp;??&nbsp;Smart Pensions&nbsp;?? ?????? ?????????????? ??????????????????&nbsp;?? ???????? ???????? ?? ?????????????? ??&nbsp;SSGA&nbsp;?? ???????????? ?????????????? ?????????????? ???????????? ?????????? ?????????????? ??&nbsp;CEM Benchmarking&nbsp;?? ????????????&nbsp;FNZ&nbsp;??&nbsp;Equevu.<\/p>\n\n\n\n<p class=\"has-text-align-right\">???????? ???????? ?????????????? ??????????&nbsp;?????????????? ???????? ?????????????? ???? ???????????? ?????????? ???????????? ?????????????? ???????? ?????? ???? ?????????????? ?????? ???????? ???????? ??????????????: ?????? ?????????????? ?????????? ???????? ?????????????? ???? 65 ?????????? ???????? ???? ?????? ?????????????? ?????????? ?????? ?????????????? ???? 5 ??????????.&nbsp;?????? ???????? ?????? ???????????????????? ?????? ?????????????? ???? ?????? ???????????? ???? ?????????????? ?????? ???? ?????? ???????? ???????????? ???????????? ????????????????.&nbsp;???????????? ?????? 2030 ?????????? ???????? ???????? ???? ?????????? ?????? ?????? ???? 65 ?????????? ???? 200 ?????????? ?????? ?????? 80?? ???????? ???????????? ?????? ?????????????? ???? 20 ??????.<\/p>\n\n\n\n<pre class=\"wp-block-verse has-text-align-right\">\"?????????????? ???????? ???????? ?????????????????? ???????????????????????? ?????????????? ?????????? ???????????????? ?????????????? ?????????????? ?????????????????????? ???????????????? ?????????? ???????????????? ???????????? ?????????????? ???????????????????? ???????????? ???????????????? ???????????????????? ?????????????????????? ?????????????????????? ???????????????????????? ???????????????????? ???????????? ???????????????? ???????????? ???????????????? ???????????? ???????????????? ???????????????? ?????? ?????????????????? ???????????????? ????????????&nbsp;?????????????????????? ?????????? ?????????????? ??? ?????????? ??????????&nbsp;APSIC&nbsp;?????? ?????????? ???????????? ???????????? ?????????????????? ?????? ?????????? ?????????????????? ???????? ???????????? ???????????? ???? ???????????????? ?????????????????? \".<\/pre>\n\n\n\n<p class=\"has-text-align-right\">?????? ?????? ?????????????????? ?????? ?????????? ?????????? ???????????? ???????????? ?????????????? ?????????????????? ???????????????? ???????????? ?????????? ???????????? ???????????????? ???????????? ???????????? ??????????????????&nbsp;(ISSA)&nbsp;???????????? ???????????????? ?????????????? ???????????? ?????????? ???????????? ???????????????? ???????????? ?????????????? ?????????????? ?????????????? ?????????? ?????????????? ???????????? ??????????????.<\/p>\n\n\n\n<p class=\"has-text-align-right\">???????? ?????????????? ?????? ?????? ?????????? ?????????????? ?????????????????? ?????? 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