Where are you, my dream pension
Everyone's personal file
Do you remember how long before the pension reform, in the mid-2000s, we were agitated to invest pension contributions not only and not so much in the federal pension fund, but in non-state funds? They advertised, attracting famous people, confirming it with calculations and references to foreign practice.
I do not exclude that this was also an idea for years to come - when we will have to turn around the very pension reform that we managed to survive just before the Covid-19 pandemic. I am almost ready to agree with those supporters of conspiracy theories who consider this "wondrous idea of the WHO" to be something like an ideal therapy for those in power.
They all over the world have done such that the audience must be urgently distracted. In Soviet times, it was called that - "to distract from social problems", although it was usually said about cinematic blockbusters like James Bond and Mexican TV series.
Covid enriched very few, sent to the next world very many, and threw almost the overwhelming majority into poverty. But if you are reading these lines, you will immediately understand that it is too early for the author to say that she is barely making ends meet. I have not yet become completely dependent on social services and the pension fund.
I write, sometimes I take interviews, they publish me, and quite often they even pay royalties. Not the same as Churchill had, and now - the current stars of the pen and screen, but regularly. I receive my pension, like most, exclusively from the Pension Fund.
At one time, I did not succumb to campaigning about non-state funds, which I do not regret. And in general I am convinced that a pension should be a personal matter for everyone. So that not someone decides for him how much to postpone, and then how much to pay in old age, and, to be more precise and more honest, to give.
Big people, big decisions
When the other day one big official smashed the Unified State Exam, as you can see, the young cadres, who regularly passed it, had already got the man, a crazy thought occurred to me.
Or maybe someone just as boldly and frankly - and will talk about the pension reform?
Moreover, the criticism somehow calmed down in a covid time. However, why be surprised - there are no protests, the electorate swallowed the idea, or, as they say now, “people grabbed it”.
Yes, and no one has yet seriously propped up - this year women are going for a pension at 56 and a half years old, and men at 61 and a half, and strong changes, as can be seen from the table, should be expected only in 2024.
Incidentally, none other than Alexander Bastrykin criticized the USE (for those who do not know, this is the head of the Investigative Committee). This committee, since it spun off from the prosecutor's office, has become in many ways more abruptly than the prosecutor's office itself.
Photo by: kremlin.ru
So about pensions, more precisely - about the reform, it would be nice to speak out to someone of a rank not lower. Well, we knew very well that the federal pension fund was bankrupt, and that it was by no means our fault, we knew very well even before the pension reform.
And although the speech here is not at all about its abolition, I would like to see as little talk as possible about the Russian Pension Fund. It doesn't matter if it's good or bad. Moreover, there, with the light hand of a new deputy from the "Fair Russia" - opposition economist Mikhail Delyagin, they were honored to sharply reduce the cost of capital construction and renewal of fixed assets.
Immediately by 150 billion rubles, and this "cut" of the PFR budget has already passed the key Duma readings. A thousand a month for each, not so long ago promised to us, this, of course, will not be enough, but the main thing is not to waste it again.
Miscalculated? No - they got caught!
Actually, a good Russian word - squandered. It is ambiguous, and cannot be regarded as a direct accusation. And you have never asked such a question.
Why are many of the young people today ready to almost blame old retirees for allegedly sitting on their necks?
Did they really understand the propaganda that went three or four years ago in favor of the pension reform?
With frightening numbers of steadily declining employment and a regularly increasing number of retirees.
Moreover, in a package with openly false information about the supposedly growing life expectancy in our country. But once it was they - today's old people and old women who deducted their money for old age, and now they are forced to beg for an increase in their pension, like alms.
And it is not their fault that, in addition to the money on Savings Books, including grave ones, because of the shock therapy, which instantly turned salaries into nothing, in the very first days of 1992, the funds of the pension fund also disappeared. I don’t even want to remember what it was called then.
And many, after all, having come to their senses after the reforms and the default, in the "fat" 2000s fell for the very advertisement of non-state pension funds, which almost promised mountains of gold. They did not want to remain "silent", whose money is supposedly burned out in the bins of the Pension Fund of the Russian Federation.
I won't even think about arguing, especially since she herself regularly convinced her readers of this - they really "burn out" (Pensions 2021. Why weren't we asked a little earlier). But, as it turns out now, they burn out in the Pension Fund of the Russian Federation at all not at the same rate as in non-state pension funds.
And it is no coincidence that Sergei Mironov, the leader of the same spravooros in the State Duma, is demanding the return of one and a half trillion rubles stolen from citizens by non-state pension funds (How to get your pension trillions back).
Instead of profit - decline
But it will be very difficult to blame even a couple of discredited funds for outright theft. And not because the top managers ran away, but because everything was arranged in them exactly so that funds would not increase, but decrease.
They were not decreasing too quickly, otherwise there would be simply nothing to decrease, but regularly. Up to bankruptcy or semi-criminal liquidation. It is noteworthy that already at the early stage of the existence of NPFs, many experts drew attention to the extremely low profitability of investments in them.
There was no panic just because few people had any idea about it, and the average figures published in the media were corrected for the better, thanks to the excellent performance of funds tied to selected companies and banks.
It was almost impossible for a simple pensioner to get there. And the corporate bureaucracy hindered, and most importantly - the need to make preliminary contributions from our own funds. And this is - as a rule.
Now there is already quite reliable information that pension funds that have been operating since 2008 until now, that is, by no means "burned out", have shown an average return over these years of 130 percent.
Compared to 150 percent of inflation since then, with a two-time and two-time (this is at least) fall in the ruble against the dollar, one can speak directly not about profits, but about losses. And after all, the management of non-state pension funds for this successfully received not only salaries, but also considerable remuneration.
The well-known economist Valentin Katasonov has estimated at about 40 percent the costs only for the maintenance of the apparatus of those same funds.
And the question immediately arises - where do the profits come from then?
There would be something that was invested, to save ... But, apparently, it turns out somehow not very well.
- Tatyana Petrova
- platon.asia, rnk.ru, life.ru, vbr.ru
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