European pensions: some numbers

1. Norway.

In this country, both men and women retire in 67 years. At the same time, for the sake of objectivity, it must be added that the average life expectancy in Norway is about 90 years.

An old-age pension consists of several elements: a basic part, an additional part and (or) a special allowance for the accumulation of income. May include retirement benefits and allowances for children and spouse related to income.

Basic pension is granted without taking into account previous income or payments. It is enough from 16 to 66 for years to work out the 3-year insurance period (without being in the country). But to receive a full pension (that is, including an additional part), you need at least a 40-year insurance period. If the pensioners are spouses, then the basic pension of each of them is equal to 85% of the basic amount. These regulations were introduced in 2009 by the pension system reform.

The basic part of the pension in Norway is calculated on the basis of the insurance period and does not depend on the contributions paid by the future pensioner to the National Insurance System.

Regarding the additional part of the pension there is one nuance. A citizen has the right to receive an additional pension if his annual income during 3 years exceeded any average annual number of “G” after 1966 of the year, and the value of “G”, for example, on 1 in January 2010 of the year was 72881 Norwegian krone (5829,55 €) . In total, the supplementary pension and the special supplement should not be less than 1,94G.

Financing of the National Insurance System in Norway is carried out through the payment of contributions by employees, entrepreneurs, employers and the state. The size of contributions is determined by the Parliament; they should not exceed 25% of revenue.

Contributions for employees are 7,8% of income; for individual entrepreneurs - 11% of income. Employer contributions vary based on salaries paid and location of the enterprise (from 0 to 14,1%).

2. Sweden.

Here, a person is entitled to receive a pension from 61 of the year. But the further the future retiree puts this moment aside, the more money he will receive.

The pension consists of different parts. One part is called common. The pensioner receives another part of the money from the employer (approximately 10% of the salary).

Each working year adds new money to the general part of the pension. A part of the contribution is paid by the employee in the form of income tax, and a part is paid by his employer. These two contributions create “pension rights” (pensionsrätter) and together constitute 18,5% of that part of the salary, which is considered the basis of a future pension. It also takes into account the time when the future pensioner was sitting at home with small children, studying, serving in the army or sick. This part of the pension contribution is carried out by the state.

In Sweden, the retirement age for men and women is the same - 65 years. You can work further - and the higher the pension will rise. The increase in pension in Sweden is approximately 10% for each year worked after 65 years.

Interestingly, a pension can be received not only in whole but also partially: 25%, 50% or 75%. You can work all day or part of the day.

When calculating pensions, the amount accumulated on a special account for thirty working years is taken into account. Recalculation of pensions is done once a year. The minimum pension in Sweden is 5500 CZK (600 dollars), the average is 9200 CZK (1000 dollars), the maximum is 36800 CZK (4000 dollars). As a benefit, the state provides pensioners with free medical care and medicines and free education.

3. Germany.

The main component of pensions in this country is the state one. It is based on the principle of solidarity between generations. Older people receive a pension due to the contributions of employees (19,6% of earnings before taxes). The insured workers and employers pay them in half. Accordingly, the insured's contribution is 9,8% of his salary.

The state insurance system covers all employees, except for officials (the last pension is paid from the state budget). Entrepreneurs and persons of liberal professions: doctors, lawyers, artists may not participate in state insurance. However, most of them pay fees to professional insurance companies.

In Germany, in 2006, the retirement age for men and women was increased from 65 to 67 years. This is due to the increase in life expectancy. By the way, according to the latest data, the expected average life expectancy in Germany is 77,5 for men and more than 82 for women. Raising the retirement age is carried out in Germany gradually: every year it is added by a month. Those born in the 1950 year must work through the 65 years and 4 months, those born in the 1964 and later full 67 years. At the same time, many retire early, which leads to a reduction in pension (by 0,3% for each unfinished month).

The average state pension in Germany is 1270 euro. On average, those who retire receive 47% of salary. The maximum state pension is 2200 euros.

And if a person was unemployed for many years? Or earned a little? The state comes to the rescue. It pays the difference between the pension and the cost of living. In addition, the state pays for housing (limited by the meter), heating and other housing expenses.

4. France.

The French pension system is based on two principles: "pension savings insurance" (the pension is paid from the funds that a person postpones during work) and "solidarity" (the pension is paid from deductions of working fellow citizens).

Persons in the liberal professions and small entrepreneurs pay 16,35% to the pension fund. Most employees pay the same amount, and at the same time, half is paid by the employer.

The pension in France is 50% of the average salary calculated over the last eleven years of work.

Recently, the French government in the person of Prime Minister Jean-Marc Herault presented a version of the pension reform. This is the third pension reform in the last decade. The reform aims to reduce the deficit of the pension system (7 billion euros). Moreover, according to forecasts, in 2020, the deficit will be 20,7 billion euros. But the system is likely to be balanced by 2040, thanks to the current birth rate increase.

In 2010, N. Sarkozy raised the retirement age from 60 to 62 years, which caused demonstrations and strikes. The current president unions promised a similar wave of protests. The business was able to prevent direct tax increases and achieve a gradual increase in contributions. The rate of the main tax replenishing the pension fund today is only 7,5% for the working population. According to Hérault reform, the growth of contributions over the coming years will lead to a small total increase (by 4 percentage points, or by 0,3 euros per month for an employee with a minimum salary) to 4,5. With 2017, it is planned to introduce allowances for employees working in heavy industries.

Hollande keeps his election promise: despite the latest requirements of the European Union, the French government did not raise the retirement age. However, Ero's reform changes the length of service required to receive a full pension: now you need to work out the 41,5 of the year, and by the year of the 2035 you need the 43 of the year. The new rules will affect those born after 1973. As a result, the government will still force the majority of citizens to work even after 62 years.

5. United Kingdom.

The basic state pension here is for men older than 65 and for women older than 60. The size of the pension depends on the length of service. The state guarantees payments in the amount of 20% of the average salary of an employee (translated from pounds sterling - about 440 euros per month). Labor pension is also formed by employee contributions - in half with the employer. This part of the pension depends on the size of the salary and amounts to slightly more than 20% of the income.

In Britain, there are many ways to accumulate and private pension. Funds transferred to special APFs are not taxed.

The size of pensions in Britain is very different: rich pensioners receive 80-90% from their previous salary, the poor - a little more than 20%. The average replacement rate in the UK is around 50%.

The UK pension system provides several options for pension payments.

1) Basic State Pension. It is calculated for men, provided that the work experience is 44 of the year, and for women who have worked for 39 years. However, if the employee has reached the retirement age after April 6 2010, the required work experience is reduced to 30 years. In addition, since that time, the retirement age for women has been increased from 60 to 65 years. If there is not enough experience, then the pension is calculated as a percentage of the years spent.

In 2011-2012 the minimum basic pension for a single person was 102,15 pounds per week.

2) Additional state pension. It was introduced on April 6, 2002, depends on the salary during all the years of operation and is not charged to those who were engaged in self-employment. In the event of the death of a spouse who received an additional state pension, the second spouse may be eligible to receive up to 50% of this pension.

3) Professional pension scheme. Implemented by the employer in relation to its employees. The rates of contributions are indicated above.

As for Russia, here, according to the latest innovations, the pension fund contribution rates are 22%, of which 6% is the joint part of the tariff, and 16% is its individual part. Moreover, this taxation concerns the so-called marginal base (568 thousand rubles per year). If the base is exceeded, then the state throws over ten more percentage points, that is, the total amount of payments is already 32%. Additional 10% make up the joint part of the tariff. Insurance premiums are paid by employers. By the way, they also bear the burden of 2,9% social insurance and 5,1% of compulsory medical insurance of employees. Thus, the total insurance load can be 2013-30% in 40 year.

In Russia, the average size of the assigned pension in relation to the size of the average salary in January was 2013, 33,5%. At the same time, the average pension in 2012 was 9041 thousand rubles. against 8203 rub. in 2011 year. Men in Russia retire in 60 years, women - in 55. The retirement age is expected to increase in the coming years.

The deficit of the Pension Fund of the Russian Federation in 2013 is more than 2 trillion rubles (3% of the country's GDP).

Sources:
online812.ru
norvegija.org
pension-npf.ru
sweden4rus.nu
401k.ru
dw-world.de
gazeta.aif.ru
gazeta.ru
vesti.ru
lawfirmuk.net
vestifinance.ru
nordsoutsourcing.ru
lf.rbc.ru

Observed Oleg Chuvakin
- especially for topwar.ru

Comments

[tronin.maxim]

Everything is shitty, I have nothing more to say!

[elmi]

The effectiveness of the government should be carried out on salaries and pensions and many other parameters. And if there are no real positive changes, then the government should be changed ahead of time, and that there would be no shocks to prescribe in the constitution the dependence of finding power on the well-being of the average Russian. pre-election promises and welfare deteriorates, then it is replaced before the appointed time. Then I think the authorities will really think about the people.

[Mart]

Quote: elmi

The effectiveness of the government should be carried out on salaries and pensions and many other parameters. And if there are no real positive changes, then the government should be changed ahead of time, and that there would be no shocks to prescribe in the constitution the dependence of finding power on the well-being of the average Russian. pre-election promises and welfare deteriorates, then it is replaced before the appointed time. Then I think the authorities will really think about the people.

Rather, campaign promises should be banned. And judge by past affairs of man. (Idealism, of course). And then in fact pure water populism: they will promise you with three boxes, and then the treasury will burst. Not to mention corruption ...

[elmi]

Quote: Mart

And to judge by past human affairs. (Idealism, of course)

That's right. We are used to believing words, but few people look at what a person has achieved in life. In the west, candidates are studied almost from the cradle, and even criminals took power in our country.

[Nick]

Quote: elmi

In the west, the candidate is studied almost from the cradle, and in our country even criminals took power

And what, in the very west it helped them a lot? Choose one, sorry, Chm.o. As our GDP said, after Gandhi there is nobody to talk to.

[elmi]

Quote: Nick

And what, in the very west it helped them a lot? Choose one, sorry, Chm.o. As our GDP said, after Gandhi there is nobody to talk to.

Judging by the development of the welfare of citizens, it has obviously helped, and not only in the west, but also in the east.

[elmi]

What did my koment choose for September 5 2013? why not March 2013 of the year?

[Russ69]

Quote: tronin.maxim

Everything is shitty, I have nothing more to say!

That's for sure. All the time we are waiting for everything from the state, and in the West we primarily provide our own pensions.
Compare the pension system in Russia and in the West is not comme il faut.
In general, all this is pension provision, an extremely difficult thing.

[Turik]

Sneaky reptiles! Well, nothing, our tanks will be on Wall Street!

[Revolver]

Quote: Turik

Sneaky reptiles! Well, nothing, our tanks will be on Wall Street!

What does the tank have to do with Wall St., and the latter, with Europe? Do not speak in the subject.

[Airman]

Quote: tronin.maxim

Everything is shitty, I have nothing more to say!

As, there are different pension systems: 1. For workers and employees, with any salary up to 50000 p-pension up to 11000 rubles. 2. For civil servants - a minimum pension of 20000 or more. 3. For deputies of all levels .... they decided for themselves, and did not offend themselves

[soldier's grandson]

customized article

[fartfraer]

"custom" and "false" are different things. If this is true (in the article), then you can easily compare where governments work, and where they say they work. If it's a lie, you need to ask the author why he posted this information.
but as long as there are no refutations, you can consider your comments as ordered and paid for. You may be a high-ranking official from the PF RF and you have other people's successes "like a sickle in the balls."
nothing personal, just thinking out loud

[fartfraer]

by the way, the soldier’s grandson, here’s a little for you to think about
tax in PFR with individual entrepreneurs in 2003–2 tr (I paid it myself, I know)
tax in PFR with individual entrepreneurs in 2012-36 TR (law)
tax in PFR with individual entrepreneurs in 2014-43 tr
further, if from the age of 31 you open an account with a bank at 10% per annum and deposit 35 tr each year, then by the age of 60 you will have almost 5200 tr on the account, the monthly percentage will be 43 t. p., but this is not all, the heirs will receive 5 million p. clean.
if you pay the same money to the Pension Fund (while deferring the tax increase from year to year), then by the age of 60 your pension will be 6,7 tr (6700)
this indicates the effectiveness of the pension fund, right? You can easily check all the numbers by calling the same PF.

[fartfraer]

I forgot to clarify. The indexation of pensions was not taken into account. Perhaps the figure of 6700 would have increased by that time to 9-12 thousand (depending on the availability of money in the treasury).

[Skiff_spb]

Oh, and here it’s not bad to bring inflation prices to products;)
Because money is the essence of paper, and their value is determined only by how much goods can be bought on them. So - count in relation to the product - the picture is far from so rainbow;)

[il grand casino]

Quote: Skiff_spb

Oh, and here it’s not bad to bring inflation prices to products;)
Because money is the essence of paper, and their value is determined only by how much goods can be bought on them. So - count in relation to the product - the picture is far from so rainbow;)

It is not sad ... in many European countries, food is cheaper than in Russia ... I often visit Germany, I used to live there - the prices of meat and dairy products are often 2-3 times cheaper ... Sadness

[Skiff_spb]

It meant not that "there is more expensive", but that:
further, if from the age of 31 you open an account with a bank at 10% per annum and deposit 35 tr each year, then by the age of 60 you will have almost 5200 tr on the account, the monthly percentage will be 43 t. p., but this is not all, the heirs will receive 5 million p. clean.

...Not certainly in that way.

[fartfraer]

what exactly is wrong?

[Skiff_spb]

Let's start with the amount - 35 thousand rubles in 10 years will be a penny to go to the store. Essno and the amount allocated to the account will be greater.
And at the same time, the larger the amount will be on the account - the greater will be the loss due to inflation.

Now, you need to count with monthly indexation - the amount will be much higher.

And now the cons - calculate the growth of the pension for the same period. And take it to the value, for example, of bread. Then look at the price growth chart for the same bread. And suddenly inflation will turn out to be 15 percent. Next, you need to calculate how much bread you will buy now in retirement, the cost of bread in the final period, and the amount of monthly percent relative to the cost of the same bread.

As for the monthly interest of 43 thousand - this is money now. As once I received 10 thousand and it was very decent. And now?

[fartfraer]

I do not argue here. Another thing is that the indexation of pensions is carried out according to the official inflation, and not according to the actual. Further, your layout is quite yourself, but it does not take into account the increase in taxes (these are calculations for taxes this year. The next will be more, and what will happen in 5 years?), thus the deposited amounts will increase, respectively, the monthly interest received will increase, but the increase in pensions is a matter of filling the budget. The topics of raising the retirement age are persistently raised. It may turn out that you will receive a small percentage of your contributions, and the deposit (provided that the bank is reliable , of course) or the purchase of precious metals, land, etc. with this money, as a last resort, will be received by your children. further, if we have the nationalization of the central bank, then given the actions of the current rulers, it is quite possible that they will not bother to cut the machine to fulfill their promises .unsecured money = inflation. conclusion - it is better not to keep savings in money at all) what does the Pension Fund invest in? at what interest rate? if the population is aging, then There will be more and more retirees, and fewer and fewer hard workers. How will pensions be provided? it will be almost impossible in 10-20 years, and there is not much faith in the state either.

[Skiff_spb]

Eh, well, then let's do the math. I hope that at least this comment will not disappear in the future and there will be something to show others in numbers:
Rummaged grandmother’s receipts last night. in 2005, her pension was 5300. Now she is 12600. It is not difficult to calculate that the increase in pension amounted to 237%. For 8 years, it turns out 29% per year. - we will consider it the base.

But first, let's calculate the attitude to the grocery basket:
2005 - 10 rubles for 600 g, now 21. We get 210% for 8 years, or 26,25% per year.

Now let's calculate for today's pension:
5300/10 = 530 in 2005 and 12600/21 = 600 loaves now. Those. for 8 years we get (600-530) / 8 = roughly +8 loaves a year.

And now the most interesting thing - we consider your deposit in the bank at 10% per annum (which, by the way, is already a very solid percentage. 5-7 is considered "normal").
We postpone 35 thousand a year for 30 years, this is roughly 3 thousand a month. And every month we index the contribution by 10% per annum.
And let's assume that our salary is still growing, so every year we will increase the monthly deduction by 1 thousand rubles.

We write a simple program and get that by the age of 60 you will have 6,8 million in your account. And every month you will receive 57 thousand! This is a pension! ...as it seems.

But now we extrapolate the rise in bread prices and we get that for your 57 thousand we will buy: 21 * 26,25 * 30 = 165 rubles for a loaf! And it turns out that we will buy for 57 thousand ... 345 loaves. While an ordinary pensioner today buys 600! Or, for today's money, it’s as if you would receive 7200 rubles.

Yes, you will have an accumulation of 6.8 million. But how much is this for future money? But how much: 6,8 million / 165 = 41212 loaves = 865 thousand rubles for today's money. Well ... Maybe enough for a car. Not very cool, really.

And here it is not taken into account that the bank can take cover at any time. And in this case, deposits are insured only for 800 chtol thousand rubles. Well, everything is complicated because obviously the amount will grow.
The same metal bills.
And gold in the form of metal still needs to be stored properly. This is also a cost, or he will also have a loss in value.

And yes - I understand that all this with a finger to the sky, as well as your calculations.

As for "at the expense of whom" - generation 85 -> 2010 -> 2035. Just a demographic boom.

Politics, taxes, machine tools and so on are generally force majeure. With the same success, a couple of atomic bombs will fall on us and metal gold will not come in handy for you.

This I mean that there is no need to run and shout that "we are all going to die", it's not so bad.

[fartfraer]

now there’s no time to answer, then I’ll give my math. but 5-7% on the contribution ... where did you find this? They promise 12 here, and 10 is generally easier to find (a bunch of banks). The rest is later.

[fartfraer]

I found 11,8% per annum easily. The deposit is insured by the state, etc. the wrong figure is already with you. In the evening I’ll expand the answer

[Skiff_spb]

Deposit insurance is now at 700 thousand. There will be a million, but it will be.
T.O. putting more - there is a risk of getting back not everything.

[Skiff_spb]

It’s not a problem to find, but even when they studied economics even at school, it turned out from the walrus of the bank that it was difficult to keep more than 7 percent of the bank’s deposit. Therefore, even to the 10th I am somewhat skeptical (although at most under 10% contributions lie). By the way - and government bodies are very skeptical of such banks and they are on their special account, that is, those who want to collect deposits, and throw off the responsibility for them on insurance.

Well, you understand that the rate is often just a promotion and it is very doubtful that it will last 30 years.

[Enjoy]

+1! He performed the same simple calculations. I’m 25, I graduated from the university, joined the army, returned home at 23 and worked for two years with an average salary of 22000. Now I have 24000 on my pension account. Employers are government agencies that paid everything to the FIU on time.

I take it for the base on which in the province now you can live alone in your own home, but without chic. Those. in two years I earned a month of retirement? O_o Given inflation of 5-8%, purely official, savings in the FIU are unlikely to grow much over 30 years of experience. Over 40 years of work, I will earn 20 months of pension? Well, 30, well, 40 and that's it?

At the same time, over the same two years, putting aside without tension a little from each salary and unexpected (legal ) of income, I have a deposit of 120000, lying at 10%. I dispose of them at my discretion, I want to buy currency, I want to - I will put it on an impersonal metal account, or I will buy physical gold. He is not threatened by any reforms.

And the same thoughts are exactly the same for all the peers with whom he talked about pension issues. Our generation, who knows how to hold a calculator in their hands, is ready to laugh in the face of any official who will tell something about the future "pension".

In short, children need to give birth, but more

[Skiff_spb]

You will buy gold with a 20% VAT margin. Which then you lose. Although yes - on the most rainy day it will still be beneficial.

Metal accounts are good, but the instability of the price of gold and the reliability of the bank is bad. As well as the usual savings in a regular bank.

At 10% they considered the rate good, but why didn’t they count the real inflation? And why is pension adjustment not calculated?

Unfortunately, it was not possible to find my calculations on a similar issue, but there was one conclusion - saving money in this way for your savings account, of course, is a plus in relation to the state pension, but far from as grandiose as many people think.

[laicon]

so who bothers you if you say that "without stress, little by little from each salary and unexpected (legal) income" save money, put it in the bank in an account to supplement your pension
And it turns out that you pay 1 thousand a month in the Pension Fund, but you want to have millions

[carbofo]

Payments for an employee with a minimum wage in Moscow are from a salary of 10400 r
13% + 1% income + pension 1456.
On hand 8946r
entrepreneur taxes per employee
63r
~ 560 with something
~ 310 with something
~ 2600 with something
total expenses of the order of 14000r
in other words, payments of the order of 36%
I don’t remember the exact numbers from memory, but I think they will correct me.

[carbofo]

The exact figures of payments from the minimum wage in Moscow are 10400 rubles, for hands 8983 rubles
OSS 65,4r
OSS 316,10r
PFR insurance 2398r
OMS FFOMS 555,9 rub
13%
total expenses: 13735,4r

[soldier's grandson]

Well, as for the official from the PF of the Russian Federation, I’ll tell you this: your words would be to God’s ears. well, and about the sickle like this: you already saw the sickle around the entire lower machine

[Mart]

Quote: Soldier's grandson

customized article

CIA Special Department for Pension Reform in the Russian Federation, Order No. 16345 from September 4 2013

[True]

Swamp ...

[atalef]

Quote: Soldier's grandson

customized article

I don’t think so. In Israel, to get a pension from the service of nat. insurance must work out 10 years. Pension order xnumx bucks. This pension is the same for everyone. 500 does not matter how long you worked 0 or 10 years, paid contributions 40 shekel or 1 shek. per month. All those who have worked 10000 or more years receive it. (Men go to 10 women in 67). The second part of the pension is the payment of the employee and enterprises to the pension fund of a particular person. as a rule, 64% each. as a result, when you retire, the pension is 5% of the salary. Plus everything is free medicine (everyone has it), 75% travel expenses, TV tax is not paid, 50kW per month or half. prices, medicines - benefits, entrance to museums and parks - free or half price. In short, retirees are not bad, but those who have worked 200 or more years are not very bad.

[Mart]

Quote: atalef

In Israel, that would receive a pension from the service of nat. insurance need to work out 10 years. Pension order 500 bucks. This pension is the same for everyone 0 does not matter how many years you have worked 10 or 40, paid contributions 1 Shekel or 10000 NIS. per month. All 10s that have completed their work for more than a year receive it (men go to 67 women at 64). The second part of the pension is the payments of the employee and enterprises to the pension fund of a particular person. As a rule, 5% is each. In the end, when you retire, the pension is 75% of salary. Plus, free medicine (everyone's this), 50% transport, TV tax is not paid, 200kW in a month-sex. prices, medications - benefits, entrance to museums and parks - free or half-price. In short, pensioners are not bad, but for those who have worked 40 for more than 10 years - well, not very bad.

Good addition to the material.

[Rumata]

Quote: atalef

. as a result, upon retirement, the pension is 75% of the salary.

I don’t know much about retirement. Is there still no payment of a certain amount immediately after retirement or is it only in state institutions? The neighbor’s father, a policeman, retired and received a million shekels in the account (8 million rubles), plus a pension every month.

[atalef]

Quote: Rumata

The neighbor’s father, a policeman, retired and received a million shekels in the account (8 million rubles), plus a pension every month.

In case of retirement (sometimes enterprises take such a step) because from an employee at the age of 60 years there seems to be no sense, and it is not possible to dismiss him without the consent of the trade union committee (and he will not give such consent). Therefore, the employee is offered a deal - he is dismissed (he usually receives one salary multiplied by the number of years worked and by a factor from 1,5 to 2,2 .. Calculate how much an employee can work after working 35-40 years. About 60 or more - salaries. Therefore, the amount of a million is not out of the ordinary, and of course the company pays a pension (even if in fact the retirement age has not arrived)
If a person retires by age - receives for the first 35 years of work - 3,5 salaries and one salary for each subsequent year of work (this is a one-time compensation) and, of course, a pension.

[FunkschNNX]

Remember your words when you receive your first pension :-)

[Yves762]

For a long time already I hope not to live up to retirement ...

[fartfraer]

do not worry. even if you survive, you will not receive it for long (if you take the average life expectancy as the basis of my assumption).
but, of course, I wish you health and longevity, contrary to all of the above.

[Ezhaak]

Quote: fartfraer

then you won’t get it for long

Andrey, you are absolutely wrong. different things happen. Among only my relatives and acquaintances there are a lot of people, including my mother and aunt, who reached the mark of 90 years. And those who have stepped far over a 70-year-old pond are dimes. And yes, many have not reached 70 years. The difficult thing is this life. Predict the chances are few!

[fartfraer]

well, if you take these words seriously, yes, I’m wrong. I admit. the neighbor is 90 years old and nothing.
“There is little chance to predict!” - there is no chance to predict (unless the conversation is about suicide).

[Ezhaak]

Quote: fartfraer

there is no chance to predict (if the conversation is not about suicide)

Exactly and not otherwise.

[Ingvar 72]

Quote: Yves762

For a long time already I hope not to live up to retirement ...

The state will help you!

[shurup]

If the Pension Fund is in short supply, then you should raise the bar for deductions from fat cats with golden parachutes and reduce the cost of building luxury offices and buying prestigious cars for the needs of the Fund. And do not hint that these articles are paid for by funds sucked from the budget for a deficit. This is the Russian budget, not the French or German one.
After that, you can complain about the small size of pensions and demand to increase retirement age.

[fartfraer]

I don’t know how it is now, but about a year ago people who had income over 400 with a small thousand did not pay pension tax at all (there was such a topic. Mother’s head cleared up, clarified some points of our taxation)

[Mart]

Quote: fartfraer

I don’t know how it is now, but about a year ago people who had income over 400 with a small thousand did not pay pension tax at all (there was such a topic. Mother’s head cleared up, clarified some points of our taxation)

True, but not quite. The income that reached the ceiling of the so-called "regressive scale" was paid, and a lot. But the rates during the reporting year, depending on the salary, decreased: the higher the salary, the lower the contribution percentage. This is how "white" high wages were encouraged.

[fartfraer]

thanks for clarification. maybe I misunderstood a little. taxation is not exactly my profile.

[IRBIS]

Quote: fartfraer

thanks for clarification. maybe I misunderstood a little. taxation is not exactly my profile.

Thanks to you and Oleg for at least some clarification, I'm generally a dark person in this. I am already a military pensioner, but I work and get a pretty decent zp I regularly keep taxes, but I can’t calculate what will happen to my retirement pension (amount) after 60 years. Or stupid, or our system is made so that only the one who invented it can make calculations. Although my heart I feel that it’s still banal to throw somewhere.

[cdrt]

It’s not so much about promoting white salaries, but rather about limiting the amount of the pension from above. Starting from 140t.r. per month, in my opinion - no matter how much you pay, you won’t get more than a maximum pension. Therefore, the rates regressed

[fartfraer]

Well, this is normal. Quite fair to itself) "why pay more if there is no difference."

[cdrt]

Hmm ... stop building offices - that's right
. And from why it is necessary to take more from the richer, I don’t understand. Moreover, contributions are paid from earned income, and not from any income. Given the relatively fixed size of pensions, those who earn more pay more for the same thing as those who do not earn anything.
The only explanation is envy.
Personal income tax by the way is another matter. Here you probably still need to introduce a progressive scale.
But the tax is essentially payment by citizens of the state’s services / contribution to the common cause (for which the state exists). And retirement insurance - it should essentially be old-age savings, insured as soon as possible.
It’s just that you probably don’t need to steal into the FIU, and the FIU’s expenditure control is stronger.

[fartfraer]

in principle, I agree. but the most important thing is not even the percentage of income, but tax collection. For example, working through Cyprus reduces taxable income. How to deal with this can be written for a long time, and it will be just my non-professional thoughts, therefore I will not bother you.
"And pension insurance - in fact, there should be savings for old age, insured as soon as possible." - this requires stable and clear rules. In our country, very often everything changes in legislation, there are no guarantees for long-term investments. This applies not only to the pension fund, but also in other spheres of activity. when I studied at the Faculty of Law, we were told, I stopped doing business, after 2 months I stopped being a lawyer. Laws change very quickly, heaps of amendments. And the taxation is the same. And sometimes the amendments are retroactive (well, or something like that). you submitted your tax returns in the spring, and in the summer there is an amendment to the law and you need to redo everything. With such an unstable "stability" it is not very easy to do business.

[Tatarus]

We have good officials, caring. They were guaranteed to worry that as little as possible people would survive to such a small pension.

[kotvov]

and those who have not been thrown or thrown. Because shitty shit democrats continue to rule in the country. As long as these scum will be in power, I think there is nothing better to wait.

[Dyukha Siberian]

before raising the retirement age, you need to raise the standard of living! and so the logic is simple-less survive to retirement, fewer payments! and if they survive, then they won’t last long for such pensions! our health is not as hard as previous generations!

[sub307]

It's like that. In general, all this "fuss" with the pension reform is a shame for Russia, more precisely for those who "rule" it.

[fartfraer]

I recall a program of co-financing of pensions (it seems to be working now). It seems to be correct, but there is no trust in the state. Therefore, it is easier and more reliable to invest money .. well, for example, in real estate than in a pension fund, but I generally thought, the article is not complete . It would be necessary for comparison to bring the percentage ratio of employees of pension funds to pensions. then it would be more interesting, it seems to me.

[Andrey312]

The article is incomplete! We are not all bad! It is necessary to add information about the pensions of various officials and judges - the overall picture of the hospital will improve markedly!

[Mart]

Quote: Andrey312

We need to add information about the pensions of various officials and judges - the overall picture of the hospital will noticeably improve!

"Average pension" - this is the picture of the hospital.

[Dimach]

The best investment in Russia (while young and healthy) is children. Education, training, travel. In cost it will pay off handsomely. Love and help children while there is such an opportunity.

[Kovrovsky]

Quote: Tatarus

We have good officials, caring. They were guaranteed to worry that as little as possible people would survive to such a small pension.

They took care of themselves ...

[vladsolo56]

If you still count how many are stolen in a pension fund, then it would be enough to double pensions

[Dyukha Siberian]

Quote: Dimach

The best investment in Russia (while young and healthy) is children. Education, training, travel. In cost it will pay off handsomely. Love and help children while there is such an opportunity.

so yes, but only when there is something to invest, besides love and care! financial investments are extremely difficult for many! Yes, and many children, too, after studying stuck in mortgages and loans are unlikely to be able to help you financially! so I think it’s better to take care of your pension yourself somehow! many different BUT in this matter!

[Mareman Vasilich]

No offense, but minus the article. The author is either cunning or not stupid. For the simple reason that comparing Norway with the above-mentioned ami and Russia is foolish to define. Learn geography. First, look at what place Norway occupies in oil production and its export, then look at its size on the map (this is in order to estimate the distance from the place of production to the port, and, of course, the cost of delivery of all this), and after all this, the number of people. And all this together, compare with those countries with which Norway is compared, and especially with Russia. And you will understand everything, understand the absurdity of this article. Liberal, it is for brain fog. No, I do not defend the current government, just pragmatic comparisons should be chosen.

[fartfraer]

with which country do you think Russia should be compared?
You still forgot to specify what place Norway occupies in the export of metal, diamonds and wood. Compare the national wealth of the Russian Federation (per 1 resident) and the same indicator of Norway. I think we (Russia) will not lose in this comparison

[Mareman Vasilich]

And with no need, we have no equal. The problem is people and power. The authorities, in addition to their own good and status, do not care about people. And people do not care about the fact that the authorities do not care about people. Thanks to all these comparisons from the category "And there it is, and unih like this ............." and led our country from prosperity to a specific ass. From a country where creators were trained, to a country where consumers and eaters were taught. From a country of age-old military glory, to a country in which contempt, repentance, and guilt for the great liberation deeds of their ancestors are implanted. Take a closer look and you will see everything, there are a lot of examples. Here are different comparisons, polls, statistics, rights and other rubbish.

[fartfraer]

you excuse me, but it seemed to me a little that your comments contradict each other a little. for the second comment definitely "+"

[Mareman Vasilich]

No, they do not contradict. They have one basis and a logical connective. Dusting the brain to the citizens of our country. A distracting maneuver. We were constantly compared with the West, worse, they introduced people into the consciousness that we have worse than that. When, as a matter of fact, it is categorically impossible for us as in the West, for we are by definition higher than the West. It is impossible for those who are higher to be equal to those who are lower. But people were introduced into the consciousness of the syndrome of guilt, inferiority, plus a bunch of all the western shit that we didn’t have. When people began to understand deception, they began to be distracted by all sorts of stupid things about such comparisons.

[alone]

and still do not forget one detail. Norway wouldn’t be such a rich country, anyway, for ten years, they don’t write off 100 billion greenbacks to creditors

[Setrac]

Quote: Mareman Vasilich

The problem is people and power.

Our power is certainly not ideal, but people are the best.
Russia's problems are different. The problem of Russia is the harsh climate, much more severe than in Norway, which greatly increases the cost of living in Russia. Russia's problem is the stretched logistics, which hurts the affordability of our state. Russia's problem is a hostile environment, which forces Russia to spend huge sums of money on defense.

[igor67]

Quote: Setrac

Quote: Mareman Vasilich

The problem is people and power.

Our power is certainly not ideal, but people are the best.
Russia's problems are different. The problem of Russia is the harsh climate, much more severe than in Norway, which greatly increases the cost of living in Russia. Russia's problem is the stretched logistics, which hurts the affordability of our state. Russia's problem is a hostile environment, which forces Russia to spend huge sums of money on defense.

Stupidity, what does the climate have to do with it? All the same, he lived most of his life in the former USSR, the harsh climate - yes harsh, but what is the lack of Gaza or coal, why is it always winter suddenly? A hostile environment, but this is generally overkill, compare with Israel. The whole problem is whether the government wants or does not want to solve the pension problem, in the same West or in Israel we have retired at 67 men and women at 62, for me this is not normal, although the standard of living is high, but in these years people are mostly basically incapable except for deputies or parliamentarians,

[Setrac]

Quote: igor67

Stupidity, what does the climate have to do with it?

Despite the fact that in Russia you need corny warmer clothes (equally more expensive), warmer and more durable houses (more expensive), you need to eat more so that the body can fight the cold, you need structures that are more resistant to temperature extremes and freezing cycles -frosting. You are talking about pensions, but in our country there are not enough resources to make normal cars, but there is a demand for them. This is spring all year round in Israel.

[igor67]

Quote: Setrac

Quote: igor67

Stupidity, what does the climate have to do with it?

Despite the fact that in Russia you need corny warmer clothes (equally more expensive), warmer and more durable houses (more expensive), you need to eat more so that the body can fight the cold, you need structures that are more resistant to temperature extremes and freezing cycles -frosting. You are talking about pensions, but in our country there are not enough resources to make normal cars, but there is a demand for them. This is spring all year round in Israel.

Oh well, spring right there, you know that in our houses there is no heating in the winter, and it’s more than three months, it’s very cold even the snow falls, and you constantly need to use electric heaters while they work warmly, just turned off the cold, I have an apartment in the winter from 13-16 degrees.

[Setrac]

Quote: igor67

and it’s more than three months, it’s very cold even snow falls

"Even snow falls" - it is strongly said, but in Russia it "EVEN" melts sometimes, the snow lies for more than six months, and where gas is extracted, snow does not melt every summer and not completely, the region is permafrost.

[Setrac]

Quote: igor67

Hostile environment, but it's generally too much, compare with Israel

What is Israel's hostile environment? Union Turkey? Zatukany Iran? Maybe forever revolutionary Egypt? I understand that from your point of view, Arabs are strong warriors, but compared to Europeans they are just children. The environment of Russia is much more hostile than the environment of Israel.

[igor67]

Quote: Setrac

Quote: igor67

Hostile environment, but it's generally too much, compare with Israel

What is Israel's hostile environment? Union Turkey? Zatukany Iran? Maybe forever revolutionary Egypt? I understand that from your point of view, Arabs are strong warriors, but compared to Europeans they are just children. The environment of Russia is much more hostile than the environment of Israel.

The strong ones are not strong, but there are no less problems for this, and you don’t have to treat me what’s happening with you, but what we have here, dear, I’ve been in Israel for only 12 years and have lived there for more than thirty years and know life very well and can’t compare google and wiki

[Setrac]

Quote: igor67

The strong ones are not strong, but there are no less problems for this, and you don’t have to treat me what’s happening with you, but what we have here, dear, I’ve been in Israel for only 12 years and have lived there for more than thirty years and know life very well and can’t compare google and wiki

The nickname shows that you are one of the former. So it is not necessary to "treat" me because it is difficult for Jews to live in a favorable subtropical climate. All this children's fuss in the sandbox is not comparable to any of the battles of the Great Patriotic War. Behind Israel's back is the United States and the entire Western world, and you can once again run away with your tails between your cowards and into a foreign state, the Russians have nowhere to run and out of order.

[Vldmr]

Unfortunately, everything is not as good as you think :))) If you look at the export per person’s soul, then all the rainbow tales evaporate instantly. Income from exports of the same Norway per person is 13 times more. Roughly speaking, this allows patching holes in the pension fund. So the pension, excluding the export of resources, is more dependent on how many will be working for one pensioner. And this is a big problem, the population is aging everywhere. It remains to at least reduce the increase / decrease in population to 1. And increase labor productivity. What will Norway do when their resource reserves run out? Pensioners, the first to feel it unequivocally and inevitably :)) For gas, by the way, Norway has 4 times more per person. The absolute numbers are big, but a larger number of eaters need to be divided.

[atalef]

Quote: fartfraer

with which country do you think Russia should be compared?

With any of the G8 or G20. Russia is in these clubs.

[Ingvar 72]

Quote: atalef

With any of the G8 or G20. Russia is in these clubs.

With Brazil and with Mexico. There is also a liberal government in all poses people LOVE!

[vyatom]

Quote: atalef

With any of the G8 or G20. Russia is in these clubs.

Yes that's right. It is necessary to compare rather with the twenty. And to strive to at least look worthy in the pension issue against their background, which unfortunately is not.

[captri]

And now, if the company closes, then it’s already minus 30%, the bank bursts — another minus 50, so with a pension of 3000 ye, the pensioner has 600 ye. at European prices. (The same 6000 p.) The law of conservation of money in nature. You can’t get an ordinary person a million and buy bread for 20 cents.

[atalef]

Quote: kaptri

But, if the company closes, then it’s already minus 30%, the bank bursts - even minus 50, so when you retire at 3000 ye, the pensioner has 600 ye. at European prices. (The same 6000 p.) The law of conservation of money in nature

Pension funds are not withdrawn to risk trading on exchanges, but are usually invested in or insured by the T-bills of the State. I’m not talking about the fact that each person has the right to choose a portfolio of investments for himself. If the company (where he worked) goes bankrupt, this has no effect on his retirement savings. Pension funds are under special state legislation and practically cannot go bankrupt.

[captri]

Yeah. Passed by. That's it, everyone can choose for themselves ... Or maybe put the money in the bank? And then, when you get tired of working, open this jar, divide it into equal heaps, and live? More reliable will be investment companies. 3000 ye - I just wrote it. Where is such a pension, even in Europe? And 600 ye is a communal apartment. And that’s all ... So do not persuade here. You create funds, and people themselves decide where to carry the money.

[TROG]

A bit about retirement ...
My friend's mother-in-law, having worked for 38 years in a research institute (agricultural), receives a pension of less than 7k rubles, somewhere around 6.8 (July 2013 I saw the printout myself, says "well, there was a small salary").
This is a person with higher education, knowing several languages.
But the grandmother of another friend of mine, spent half her life in prison (have you ever seen grandmother dressed in tattoos?)
Experience 2 years. She receives a pension more than the one that she worked at the research institute, more than 8k rubles, I don’t remember exactly, then I can clarify later.
That's it.

[Ivan_Ivanov]

Without data on mandatory expenses, the bare figure of the size of the pension says nothing.

For example, a friend of mine in the Czech Republic receives a pension of 7000 kroons - this is about 300 Euro. At the same time, she worked all her life: as a secretary, an economist at a factory, in a photo studio, and education - an economic technical school.

Her pension is not enough to pay for a 2-room apartment.

Therefore, you need to say:
Pension so-and-so ...
Utilities, heating, electricity, garbage collection, transport, telephone, (as well as bread, milk, butter, eggs, potatoes .......) so much.

[Ivan_Ivanov]

Therefore, the article is a minus. She does not give an objective picture, but gives bare figures that are not tied to real life.

[fartfraer]

Ivan_Ivanov, excuse me, but how many I read your comments ... in general, the opinion is that you do not need facts. It remains only to envy your "obstinacy" and denial of some obvious things.

[Ivan_Ivanov]

If we say that in the Czech Republic pensions are about 300 Euros and not say that this pension is not enough to maintain a 2-room apartment in Prague, it means misleading the reader about the level of pensions here and here.

Despite the fact that such a pension is not enough for utility bills and she has to earn extra for 3 more jobs (as a cleaner and look after the children), I have never heard from her discontent towards my country, state, government in general, led by the president ... Yes, she is not happy with her life, recalls with tears the past, when there was socialism in the Czech Republic, but she never blames her state, state power.

[Rumata]

Quote: Ivan_Ivanov

If you say that in the Czech Republic pensions are about 300 Euros and not to say that this pension is not enough to maintain a 2-room apartment in Prague, it means to deceive the reader about the standard of living here and here.

You take extremes and inflate it to universal proportions. Firstly, it has long been known that in the Czech Republic one of the lowest pensions in Europe and about the same as in Russia. Secondly, 7000 kroons is lower than the average pension, which amounts to 10000. Thirdly, in the Czech Republic a lot of jokes with deductions, for example, having not worked the minimum length of service and retired, it falls many times (roughly speaking, worked 29 years -0 pension 7000, worked 30 and crossed the minimum experience - 13000). If I give an example of an old woman in Russia who cannot afford to rent an apartment in Moscow, will this be normal? By the way, the Czech Republic’s example is indicative of how many years have passed, and they still have not set up a pension system. 9 years have passed since joining the EU and all the same, it’s not easy for pensioners. It's me that pension reform takes more than one year.

[Ivan_Ivanov]

I gave you a very concrete example. More details ...
This woman did not work at the highest paid jobs, at jobs with a salary of about the national average. She worked all her adult life, that is, she did not have long breaks between work. Perhaps in the Czech Republic the average pension is somewhat higher than hers. But even if you subtract 7500 kroons from the amount you quoted, then 2500 or a little more than 100 Euros remain. That's all: for food, for clothes, for transport, for medicines ... At European prices.

And do not twist. I spoke not about renting an apartment, but about the content of OWN. This particular pensioner, who has worked all her adult life, cannot contain her own 2-room apartment in Prague.

[bastard]

Well, a fool that does not blame

[Ivan_Ivanov]

Perfectly. Let's discuss not an article, not real facts, but my character traits and my humble person? ..

[Nike]

About pensions in Ukraine. My wife retired, accrued 3 subsistence minimums (for civil service + a particularly difficult list) for 7 years of supplement-0, now she receives 1,1 lives min. I was charged 1,5 lives min (person weight 50 l), w / w 5 years1,01, XNUMX live low. So, so that they do not live long.

[No_more]

Yes, those who are not yet retired should get acquainted with the NPFs (Non-state pension funds) and transfer their money to manage it instead of the Pension Fund of Russia, which is building palaces and offices in each city and will now cut the funded part to miserable 2 % (now the total deduction is 22% percent of which 16% goes to the insurance part, and the remaining 6% is funded), and all the remaining 20% ​​will go to payments to non-pensioners. I would like to somehow return the money leaving for compulsory state medical insurance, because I have a voluntary one, for which I pay so.

[michajlo]

Good day to all!

The article itself posed a plus, but only for studying the sources by the author and summarizing them in the volume of the article.

In real life, a lot is NOT SO, as it is written in this article, laws and regulations.

I can judge by the conditions of retirement and the amount of pension in Slovakia. She certainly is not Germany and Sweden, just a young and poor member of the EU, but still as an example of real facts and not data or rumors.

The amount of pension earned in Slovakia allows only POLICE, MILITARY and officials, managers with HIGH officers to live. salaries !!!
Policeites and the military (there are fewer than police websites) had retirement after 15-20 years of service (i.e., 40-45 years). Now the truth is service life will increase.

The retirement age now is 62/57 M / F and will increase to 65/60 and then to 70/65 !!!

For people with low incomes, precarious work, carefree, sick people - retirement is death, without the help of their relatives they will not survive.

Penisers who have retired 2-4 years earlier have a pension OVER than today's retirees, because the coefficient decreases every year. recalculation to calculate the size of the pension?!.

Because called Pence. Fund, "2nd peeler" and other tricks of the government's withdrawal of money from circulation, this is essentially Slovak "MMM".
For people who joined it about 5-10 years ago, today the conditions for accumulating funds are CHANGING, just like for those who enter these thieves funds today, tomorrow or the day after tomorrow, the Ministry of Finance will playfully change the rules of the game (of course, to reduce the amount of payments). ..

In fact, in Slovakia, all social laws and regulations are known to "Roma" (gypsies).
Gypsies here at 14 become mothers and at 42-45 - great-grandmothers !!! All of them have 8-10 children. Benefits are paid on them. True, now the rules for payments will be tightened, the treasury is plundered, there is no euro. Young gypsies at the age of 14-16 try to marry old 60-year-old gypsies, after the death of their husbands, they add "Widows" to their child allowances, although their husband never worked ?!

Many Slovak Roma have moved in Europe, but gradually they return home from there, because allowances are no longer paid to everyone, children are taken away by Social Services in the absence of care from their parents, etc. In such a UK, the Roma have so spoiled the image of "gadgets / whites" that all citizens of Slovakia are called "Jeepsies" / Gypsies in the World Bank!

In a word, dear forum users here in the EU there are so far advantages (order, cleanliness, public transport, lawyers, courts), but you can live here or well if you are young, healthy, without a family and children, have the means to live and Reserve for heavy 5-10 years without income.

Minus, here you are ALWAYS foreigners.
People are all closed, maximum communication with family and friends you make. Openness, good-naturedness was less than in the post-USSR back in the 90s, but now it is becoming less and less every year.
That is, the mentality of the Slovaks is slowly approaching the Czechs, Germans, and Austrians.

So if you want to move here and buy a castle at a cheap price, a slope in the High Tatras, after having worked righteous in the post-USSR, you have tens and millions of euros in your account and cash, you are welcome to picturesque Slovakia.

Yours euro with gratitude and receipt have been waiting here for a long time realtors, lawyers, bodyguards, masseurs, translators, house managers and just grateful officials ...

And now, when the crisis continues in the West and in the EU itself, many businessmen in Slovakia and the Czech Republic recall or begin to learn Russian and search for markets in the post-USSR.

[postman]

[quote = Author] here the rates of contributions to the Pension Fund, according to the latest innovations, are 22%, of which 6% [quote]

It was. from 2014 will be 2% and 20%

"VOLUNTARY-compulsorily", those who do not write an application before 31.12.2013/XNUMX/XNUMX. this is the optimization

[quote = Author] The deficit of the Pension Fund of the Russian Federation in 2013 is more than 2 trillion rubles (3% of the country's GDP). [quote]
Why so little?
Receiving reports from the RF PF - I let a tear
when income in MINUS
when 0,4 or 0,8% per annum (minus 0,3% on organizational expenses of the RF PF)
Well this is how you need to fool around to get such a profitability?
I recall the Russian government takes loans in the West at 4-6% per annum ...
==============
in China there is no state pension ... yet.
but now if you think about a novantzhnyy PF (like ours)?
60 years -20 years = 40 years
40 years x 11 months x 20000 rubles (quite so) x 22% = 1 rubles
with a minimum rate of the Security Council of the Russian Federation (cumulative contribution, progressive effect) = 5,98% (something like that)
http://sberbank.ru/moscow/ru/person/contributions/pension/

1 936 000 rub x 40 years 11 months = 50 940 052 rub
51 million !!!
enough for yourself, mom and dad.

[soldier's grandson]

this whole idea with pensions is nonsense, nobody will get anything, remember 91 years and contributions are the same

[pamero]

Gorbachev in the wall painted in the British flag, let him explain what kind of reconstruction he wanted?

[Yarosvet]

-------------------------------------------------- ----------------

[Revolver]

For comparison: how is it in the USA.

There is a Social Security system which, in principle, provides some, not very great, income.
The Social Security retirement age is 67 for men and women to receive standard benefit benefits. In principle, it is possible earlier, at 62, but payments will be much less until the end of life. And if you delay the beginning of receipt for 67, then the payments will be much larger, again until the end of life. The formula for calculating benefits is very complicated and, as I understand it, is tied to the probable life expectancy. The less left, the greater the benefit, if you beat the statistics - your happiness, and if not - you're out of luck, including money.
Funds are taken to pay benefits to today's pensioners from the taxes on the salaries of those who work today; 6.2% is paid by the employee (this is in addition to income tax), and the same amount by the employer. The restriction comes at an annual salary of $ 113700 for today (inflation is adjusted every year).
Payments are monthly, maximum (for those who received a salary equal to or higher than the limit) $ 2533 (changed annually adjusted for inflation) at the age of 67. The formulas for calculating and averaging salaries are again very complicated, adjusted for the average level in the country in each particular year and much more.
This pension allows not to be pauper in old age, but circumstances will be, to put it mildly, constrained, it is necessary to consider cents.
Things like an employer pension are offered by less and less companies every year, with a tendency to completely disappear in the foreseeable future. This will most likely only remain for civil servants, including the military.
therefore "the rescue of the drowning is the work of the drowning themselves" © Ilf, Petrov. The state strongly advises putting it off for old age. At the same time, those who defer to special accounts such as IRA are provided with tax benefits. Companies often also offer employees open accounts, the so-called 401 (K), while they even add up to 2-3% of their salaries. What is the benefit to the companies, I don’t know, but probably there is. But the amount of preferential deductions is limited to $ 5000 per year (IRA) or 6% of salary (401 (K)).
But here I am done. What I wrote does not even draw to the review - so, the very top. If anyone is interested in details (but everything is in English there) - http://ssa.gov/

[Simple]

Good evening everyone.
Information about Germany:

".. In a joint statement published on Thursday (05.09.13) in Berlin, the Federal Ministry of Labor, the Confederation of German Employers' Associations (BDA) and the German Federation of Trade Unions (DGB) intend to take measures to reduce stress and burnout at work.
Mental illness in the workplace has been a growing problem for many years. They currently cause about 13 percent of absenteeism days and are the most common cause of early retirement .
In addition, there is enormous economic damage - according to the latest data, the federal statistical office estimates only the costs of treating mental illness in 29 billions of euros.
They intend, for example, to oblige all enterprises and government agencies to identify health risks in the workplace, as well as to take measures to improve the psychological atmosphere in the workplace ... "

http://www.thueringer-allgemeine.de/startseite/detail/-/specific/Arbeitgeber-und

-Gewerkschaften-wollen-gegen-Stress-bei-der-Arbeit-vorgehen-418883762

[bastard]

the main point is that women and men retire at the same age of 65,67 years, we have some fright, women go 5 years earlier

[Consmo]

I think it is necessary to transfer state funds to the pension fund. shares of mining companies in management. Without the right to sell.
Gazprom has more than 50 percent of the shares. We have 2012 billion profit in 42. I don’t know whether it is net or before taxes.
In 2011, there was $ 48 m profit and Gazprom was the most profitable company in the world.
Figs with him 21 after taxes (we think half the taxes are not trifle), the share of Russia is at least 10.5 green billion. Here let the fund (representative on the board of directors) send 40 percent of the profit to pay dividends. And where are the money for them, diamond flowers at the office to plant?
We have 4 billion = 130 billion rubles a year. Okay, 1 billion of the growth goes to the fund, we go to the bank. Although we don’t wrap the other 3 into the newspaper, the interest goes.
And how many more shares of mining companies the state has. And all these companies are in the black, as you might imagine.
This I at the very minimum consider.
Well, let our old people who created this industry and receive their pensions.
And nefiga state. Lazarus sing. And sell profitable businesses.

[Magadan]

Everything is fine, only Oleg forgot to point out that European pensioners still pay mortgages for their homes. And ours from the "damned commies" got their square meters for free. And insurance there, over the hill, various and other payments for another 80 percent of their pension. The system of the West is stupidly simple: show the rest of the world their huge salaries, but at the same time keep silent how much these same Europeans are paying out of their huge salaries. If ours pay 2-3 thousand for a communal apartment and basta, then those accounts for a month are different up to 40 items. And these accounts devour absolutely everything that a person has earned. But you can show off to the whole world that their pensioners have 3-5 euros a month! And the fact that they really have no more than 100-200 euros for food (after payments), then - tsssssssss - this is a big secret.

[michajlo]

Quote: Yarosvet

RU Yesterday, 17:51

Good morning, dear Yarosvet!

You are absolutely right and your calculations are close to the truth, future deviations of the% bank on deposits should not be taken into account.

The only thing that is quite likely is that after the experience of expropriation of deposits in Cyprus (from 100.000,00 euros = confiscation), such a robbery will HAPPEN in any country in case of need, so you all (25-30 years old) should think about whether to hand over all your ACCUMULATIONS in 1 bank, or several with less sums !? Or transfer a large amount of SAVINGS from money into another form, less subject to inflation, decisions of governments, etc., although the method you have chosen can also be a "lottery with a sure loss".

In addition, it is probably worth now (from 25 years) AT LEAST 12-18% of income to be set aside "just in case", tk. any of you can lose your job, there will be family problems / divorce with the division of common property, become disabled, etc. "gifts of fate"

I sincerely wish you all young people more success and less loss!

[Setrac]

In fact, all these mathematical calculations would make sense if the pension fund, taking money from the population, would invest it in production, and the income would be paid in the form of pensions, but this is not. In reality, a pension fund takes money from workers and gives it to pensioners, without making any savings. Thus, the money collected by the pension fund is not spent on accumulation, but on the maintenance of pensioners, and when the current employees retire, they will receive funds not from their accumulated, but collected from the employees at that time. The only way to earn money for old age is to give birth and bring up more children, and throughout the country, since the collection and payment of pensions is depersonalized.

[mithridate]

there are more pensioners than working ones - where does a decent pension come from?