The government in September may decide to liquidate the funded part of pensions and the development of voluntary savings, said Deputy Prime Minister Olga Golodets: « The solution should be to [start] of the budget process, to mid-September <...> Today, we did discuss the transition to a system of voluntary savings » ( quoted by ITAR-TASS).
Source ITAR-TASS social bloc of the government argues that the political decision to abandon funded pension supported « at the top “and in the next month will be worked out in conjunction with the financial and economic agencies. Official of the Presidential Administration of such a decision is not known. It is not accepted, says a senior government official. There is a discussion in the government, said a person familiar with Golodets.
In 2002, the government carried out a pension reform, the essence of which ?? transition from distribution to distribution-funded pension system: it was planned that those born after 1967 pension will consist of insured and funded parts. According to the Bank as at 31 March 2014, VEB managed 1.8 trillion rubles. pension savings has $ 1.1 trillion under the administration of private pension funds ( APF). In 2014-2015,. accumulation will not be replenished ?? Government has decided that all insurance premiums are on the formation of the insurance part. This allowed the state to save in 2014 on the transfer to the Pension Fund 243 billion rubles., In 2015 ?? another $ 280 billion.
According Golodets, accumulation will be saved and « will operate in a mode that defined by the legislation today »: « We have to strictly adhere to all obligations, which took over the government. ” But new mandatory savings will not, and the population, according to Deputy Prime Minister, will benefit from this: pensions will be bigger and will not depend on the economic situation.
Earlier Golodets and Labour Minister Maxim Topilin said that the state should create incentives for the development of corporate pensions. Relevant proposals prepared by a working group under the leadership of the Ministry of Finance, Deputy Finance Minister Alexei Moiseyev. Deadline by which the NPF must submit their proposals the Ministry of Finance is not installed, the chairman of the board of the National Association of Pension Funds Constantine Ugriumov.
While no decisions taken in September is not planned, says a federal official: « Sense haste to make this decision is no, because the parameters of the budget in 2015, it has no effect. ” However, the actual decision on the Elimination of mandatory funded system of government adopted when extended the 2015 moratorium on the funded part, acknowledges the source « Statements »: « It is obvious that after such of any further development of mandatory savings out of the question ».
According to the President’s press secretary, Dmitry Peskov, Vladimir Putin in September meetings on the future of the pension system is not yet scheduled: « The President has a busy schedule. In addition, it is a question of government. ” Get official comments in the government failed.
A viable model of voluntary pension insurance with a stagnating economy and low wages does not exist, I’m sure moody. According to him, the government is seeking a social unit of administration for employees and employers an additional hidden tax on voluntary funded system, but if that happens, employers will return to the payment of wages in envelopes. Funded system is already in terms of choice of people voluntary recalls Ugriumov: in 2014 the citizens who want to devote part of the contributions to the funded part, have to write a special statement to the Pension Fund. According Ugryumova in NPF transferred their savings to 26 million people.
At the meetings of the working group in the Ministry of Finance discussed the introduction of obligations for employers to establish a corporate pension plan, if the number of employees exceeds 500-1000 man tell the three participants in the meetings. According to them, the employer could deduct for corporate programs 3% of payroll ( LCT), and the employee ?? 3% of their income. To encourage employers to spend money on pension staff need tax relief, for example, for the same 3% or 1.5% reduction in premium rate, they argue. Until 2017, premiums have been reduced from 34 to 30%, reminiscent of a federal official: you can continue to leave a mandatory 30%, and 4% do voluntary.
At present, the tax incentive for employers ?? reduction of the base for income tax in the amount of contributions to the corporate pension plan ( but not more than 12% of the payroll), resembles the head of a large NPF: « But employers do not choose the entire limit ?? usually on corporate programs sent no more than 4-6% payroll. ” Interest of employers would be higher if in respect of these contributions acted progressive scale ?? for example, when the dismissal to the corporate program of 100 rubles. employer could reduce the base for income tax for 200 rubles.
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