By sea or in capital: Russians on cities they’d like to live in after retiring

Jul 23, 2021 and SberNPF have revealed the cities Russians would like to live in after retiring in a survey that polled over 5,000 users from across Russia.

When asked a multiple choice question about the city they would like to live in when after retirement, the respondents mostly chose Moscow (16%), St. Petersburg (15%), Sochi (12%), Krasnodar (6%), and Kaliningrad (3%).

Muscovites, too, said they didn’t want to move to a different city and would like to stay in Moscow (64%). The capital also attracted 13% of the respondents in Volgograd and 8% in Nizhny Novgorod. Moscow appeals to the respondents due to its mature infrastructure (a multiple choice question), noted by 46%, and the high level of social services (41%).

St. Petersburg was mainly chosen by its dwellers (40%). Still, 17% of the respondents would like to move there after retirement from Moscow, and 12% would move there from Samara. The upsides of St. Petersburg, according to the poll results, are the mature infrastructure (38%) and available recreations (24%).

Ranking third is Sochi, with 36% of Muscovites, 28% of Sochi residents, and 15% of people from Yekaterinburg regarding it as a city they’d move to after retirement. The available recreations (64%), clean environment (28%), and mature infrastructure (23%) is what attracts the respondents.

Krasnodar as a city you would retire in attracted 37% of the respondents from Moscow, 10% of people in St. Petersburg, and 25% of those living in Krasnodar. They all named available recreations (55%), clean environment (27%), and good conditions for families (30%).

Kaliningrad is the city of choice for Muscovites (28%) and St. Petersburg dwellers (7%). Locals, however, chose Kaliningrad as well (27%). As for the upsides, the respondents named recreation (54%), clean environment (21%), and Kaliningrad’s tranquility with no distress or hustle (32%).

Moving and living in the cities of choice will require your own savings (46% of the respondents); 34% said they would use the state pension, 18% claimed they were willing to sell their apartment/house in the city where they lived now, 15% of the Russians polled by the survey were going to make a living by running their own business, and 11% each stated they expected financial help from children or would rent out an apartment/house in their native city.

Russians’ focus on their savings when moving to a different city highlights the importance of planning your retirement budget ahead. Fringe benefits are, therefore, becoming ever more relevant among employees and job seekers. According to our recent survey, most Russians would like to receive a corporate pension in addition to their state pension. provides the information about your potential employer, including whether or not it provides fringe benefits.

Vladimir Koritsky

Commercial Director,

The survey has revealed that almost half of Russians, when choosing a comfortable city to live in after retirement, count on their own savings, and just over a third think they will be well-off with payments they receive from the government. Financially, it's best to prepare for retirement in advance. To begin with, I recommend that you find out the exact amount of your government payments to date. This can be done with SberBank Online’s special service in the Investments and Pensions section (Pensions and services of SberNPF) using the so-called Pension Storefront. It will help you understand if the state pension will be enough for you to go ahead with your plans, and it will suggest, if necessary, that you start using a long-term savings instrument. For example, it could be an individual pension plan (IPP).

Alexander Zaretsky

CEO, NPF of Sberbank