Instead of a draft of new voluntary funded system, where we can “take the money, seriously ill” 5 years before retirement, returning true amount of tax benefits, is it not better to bring to mind the existing model? Going in the direction of “iron” guarantees from the state of preservation of pensions, savings, and – activities of NPF.
the Ministry of Finance and the Central Bank started the promotion of their planned system of pension savings. While they tell only about her “carrots,” or about what they make. In the five years before retirement you can withdraw 20% of them, and in the case of illness – total amount funded part will be inherited, said Friday at a Moscow financial forum, the heads of the Ministry. It is also about investing in some “safe securities”. The Central Bank, in turn, emphasize that the new pension funds will be the property of the citizen.
However, very evasive talk about how this property will be guaranteed by the state. However, the Finance Minister in an interview said that the state guarantees will apply to “principal amount”. But what about the interest from investments in “safe securities”? Yes, and the system guarantees at least mentioned the “principal amount” is not reported anything. Risks of the pension system, even if only the funded part, will be more in volume than, say, the volume of guaranteed payments to depositors of closed banks by the regulator.
“Property” of a citizen to his contributory pension under certain conditions, can only mean that the security of this property – his private business. Knowing the desire of the management of financial-economic block to limit social obligations of the state, the case is likely to go exactly to this model.
Actually, its the opposite direction too, already started to open up. The statement that “in the five years before the time of pension, the citizen will be able to withdraw up to 20% accumulated, and in the case of difficult circumstances in the first place is his sickness or his immediate family — he will be able to withdraw additional amounts”, (quoted by RIA Novosti) — the Chairman of the Central Bank Vladimir Chistyukhin was accompanied by the caveat that in this case the man will have to return to the state the amount received in the form of tax breaks (which he used in the accumulation period).
This is a rather cynical niggling characterizes the approaches of the authors of the new pension system. Even if in practice no one in the end and will not calculate these crumbs of tax benefits and remove them from sick people who get their money. And this early receipt in principle is not so simple. It wouldn’t be in the plans, if the financial authorities did not fear that people will, in time, the questions arise: what is actually new “voluntary pension system differs from conventional private investment, subject to market all winds, except the name?
it looks Like almost nothing. In addition, some kind of savings, rhetorically and instrumentally encouraged by the state, will be named the pension and thus it will be possible to report to the society on the new pension system.
the Average size of insurance old-age pension, according to the FIU, is now 12 830 rubles per month, the average size of pension – 759 589 13 total RUB RUB is Rounded to 14 000 (because life does not stand still!) and divide by this sum the size of the guaranteed Deposit in the Bank. Get exactly 100 months or over 8 years that you can only allowed on the Deposit.
of Course, the person has to live in retirement much longer, 30 years. But it is something only guaranteed by the state funded part. If we assume that it must be, say, half of the pension, not just over 5% as it is now, then savings enough, we have a 16 and a half years. It is comparable to the desired 30 years (most less than be realistic, especially since the period of retirement will move necessarily).
So whether you want to fence the garden too complex to extraditing him for voluntary funded system, to wash their hands? Or still it would be better to build a train state-guaranteed savings insurance system (the money is still working somewhere, and grow), and give it there all that is now planned to bring in some new, shaky financial and legal environment? (Which the new reformers will start to cut in their own way). that is, to improve, to bring to mind the current model. At the same time, stronger in law to protect non-state pension funds (NPF), and activities and investments. Competent investors with long money, it seems, really need one the stock market.
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