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Russia has raised the retirement age. You noticed?
The government actually increased the retirement age - from 60 to 68 years, and the most complicated calculation of pensions for the majority of citizens approved at last week a new pension formula. Formally, the retirement age has not changed, but in order to receive adequate pensions, it is necessary to work out additional 8-10 years.
Further, under the cut
How much are we going to get?
In the "chain letter" from the Pension Fund of Russia (PFR) is only the total amount of pension contributions, but not the size of future pension. According to a poll the Public Opinion Foundation, 65% of Russians believe that all pension can not be calculated in advance. Perhaps it is misleading - one of the reasons why the Russians are so easily perceive reaching pension reform. What to argue and protest against what if it is not clear how these affect the contributions that will receive many years?
I tried to read the description of the new formula in a document prepared for the HSE and RANHiGS government. These four pages. Difficulties with the understanding I have already started in the first paragraph the phrase "individual retirement pensioner ratio & lt; ... & gt; is & lt; ... & gt; the amount of the individual pension coefficients ».
We are accustomed to the fact that the pension system in Russia is moving toward complexity. The current version also is not very clear, but looking at the new formula is impossible to quickly assess what your pension will be and what to do to make it better. Russian pension system is so complex and so part of me that is not clear, not only to me but to the majority of Russians. More than half of Russians simply do not understand how it works. Perhaps this is one of the reasons why the Russians are so comfortable with the reform.
However, this summer on the site of the Pension Fund appeared online calculator, with which you can roughly estimate their future pension under the new formula.
Take for simplicity conditional Russians - a man 20 years old who will not serve in the army, will lead two children will deduct to the Pension Fund 2% of payroll (according to the Public Opinion Foundation, write a statement to the FIU about saving rate of 6% will be only 11% of citizens ) and will retire at the official retirement age - 60 years. His average salary in Russia - 30 986 1 ruble per month. In this case, the pension will amount to 14 624, 41 rubles. This is higher than 576, 71 rubles, than the current formula (if you believe the calculator), and, of course, is only one kind of pensions - old age retirement pension. But the amount is still small in relative terms - half the salary. Now suppose that he chooses not immediately receive a pension, but will work for some time after reaching retirement age. In this case, his pension will be:
If he goes to work after 1 year after reaching the retirement age - 15 844, 95 rubles a month;
2 years - 17 325 74 rubles;
3 years - 18 949, 81 rubles;
4 years - 20 782, 18 rubles;
5 years - 22 834 04 rubles;
6 years - 25 253, 84 rubles;
7 years - 27 948 43 rubles;
8 years - 30 966, 95 rubles;
9 years - 34 529 87 rubles;
10 years - 38 865 29 rubles.
Raising the retirement age
We see that in our 68 years averaged Russian citizen can retire without loss of income, and after 68 years of retirement to go even more advantageous because it will be more salary.
Polls show that is not such a large number of Russians (not more than a third) is ready to work after retirement age for most pension, but on the other hand, it's just polls. In the end, they performed the same social scientists had underestimated the result of bulk in the mayoral election. We can assume that when people actually live to retirement age, and quite mastered the calculator FIU will realize that they have a simple choice - either to quit right now and receive a pittance, or to work for eight years and nothing to lose income - that would prefer to work more. Especially since now working pensioners - it is a common thing, and the health of Russians are slowly but surely improving.
In fact, in Russia took place raising the retirement age from 60 to 68 years (for men; for women the figures are slightly different, but the essence is the same). We can not say that the developers of the formula is hidden, but they diplomatically called the process of stimulation of late retirement. And it is clear why. Polls show that Russians are very negative attitude to raising the retirement age (80-90% - against).
On the other hand, do not raise the retirement age can not. If the total life expectancy is increasing, and the age of exit retired does not change, more and more people will rest years, spending the money earned for the same amount of years of working life.
To understand the scale of the problem say that the retirement age for men to 60 years in the Soviet Union was established in 1932 and since then has not changed. In those years, the life expectancy of men in the Soviet Union at birth was about forty years. However, those who have died before, it was very much of their taxes go to the pension system, and they have not received a pension. Today, life expectancy at birth for men is about 63 years. In this age ratio in the Pension Fund money, if you do not replenish it by oil exports, just nowhere to take.
Financial tricks like laying of the money in the savings system or pension fund to help, but not much, because they accumulate only a small part of the salary, and the growth of savings in the average low. Leaders of the investment of pension funds could increase them by hundreds of percent in the fat years, but this is offset by the fact that not every NPF or the Criminal Code gives the yield, and will happen to the pension crisis, 1-2, during which the yield will be negative.
And most importantly - funded system does not change the relation that as the increase in life expectancy people save for retirement from 17 to 60 years, that is 43 years old, and spend (suspended) for one year. Then hoard the same 43 years old, and spent five years because are living longer. Then, 43 and 7, 43 and 15, and so on - the same magnitude of savings is divided into an increasing number of retirement age. In general, the laws of economics, as the laws of nature - they do not cheat. In this situation, require the State to save the retirement age, while preserving the high pensions - is like demanding to repeal the law of gravity. Let us demand that the standard retirement age of 30 years - up to 25 will learn in school and university, worked for five years, and in 30 years to wonder why such a small pension. But just five years can not accumulate so much that they sufficed for the remaining 40 years of his life. So all those complex formulas, the coefficients incomprehensible and confusing concepts are the mechanism that performs one simple function - to prevent a Russian citizen to retire in 60 years.
So, the following happened. The Russians said, "We know we do not know about the laws of economics, to think of them do not want - do not raise the retirement age!" The state responded: "Okay, what problems, here's your retirement age, here's a miserable pension of 60 years and normal - 68 years ».
It's a shame? No. People who want to deceive themselves the laws of nature, should not be offended by the fact that they, in turn, is deceiving the government.
Source
Source:
Further, under the cut
How much are we going to get?
In the "chain letter" from the Pension Fund of Russia (PFR) is only the total amount of pension contributions, but not the size of future pension. According to a poll the Public Opinion Foundation, 65% of Russians believe that all pension can not be calculated in advance. Perhaps it is misleading - one of the reasons why the Russians are so easily perceive reaching pension reform. What to argue and protest against what if it is not clear how these affect the contributions that will receive many years?
I tried to read the description of the new formula in a document prepared for the HSE and RANHiGS government. These four pages. Difficulties with the understanding I have already started in the first paragraph the phrase "individual retirement pensioner ratio & lt; ... & gt; is & lt; ... & gt; the amount of the individual pension coefficients ».
We are accustomed to the fact that the pension system in Russia is moving toward complexity. The current version also is not very clear, but looking at the new formula is impossible to quickly assess what your pension will be and what to do to make it better. Russian pension system is so complex and so part of me that is not clear, not only to me but to the majority of Russians. More than half of Russians simply do not understand how it works. Perhaps this is one of the reasons why the Russians are so comfortable with the reform.
However, this summer on the site of the Pension Fund appeared online calculator, with which you can roughly estimate their future pension under the new formula.
Take for simplicity conditional Russians - a man 20 years old who will not serve in the army, will lead two children will deduct to the Pension Fund 2% of payroll (according to the Public Opinion Foundation, write a statement to the FIU about saving rate of 6% will be only 11% of citizens ) and will retire at the official retirement age - 60 years. His average salary in Russia - 30 986 1 ruble per month. In this case, the pension will amount to 14 624, 41 rubles. This is higher than 576, 71 rubles, than the current formula (if you believe the calculator), and, of course, is only one kind of pensions - old age retirement pension. But the amount is still small in relative terms - half the salary. Now suppose that he chooses not immediately receive a pension, but will work for some time after reaching retirement age. In this case, his pension will be:
If he goes to work after 1 year after reaching the retirement age - 15 844, 95 rubles a month;
2 years - 17 325 74 rubles;
3 years - 18 949, 81 rubles;
4 years - 20 782, 18 rubles;
5 years - 22 834 04 rubles;
6 years - 25 253, 84 rubles;
7 years - 27 948 43 rubles;
8 years - 30 966, 95 rubles;
9 years - 34 529 87 rubles;
10 years - 38 865 29 rubles.
Raising the retirement age
We see that in our 68 years averaged Russian citizen can retire without loss of income, and after 68 years of retirement to go even more advantageous because it will be more salary.
Polls show that is not such a large number of Russians (not more than a third) is ready to work after retirement age for most pension, but on the other hand, it's just polls. In the end, they performed the same social scientists had underestimated the result of bulk in the mayoral election. We can assume that when people actually live to retirement age, and quite mastered the calculator FIU will realize that they have a simple choice - either to quit right now and receive a pittance, or to work for eight years and nothing to lose income - that would prefer to work more. Especially since now working pensioners - it is a common thing, and the health of Russians are slowly but surely improving.
In fact, in Russia took place raising the retirement age from 60 to 68 years (for men; for women the figures are slightly different, but the essence is the same). We can not say that the developers of the formula is hidden, but they diplomatically called the process of stimulation of late retirement. And it is clear why. Polls show that Russians are very negative attitude to raising the retirement age (80-90% - against).
On the other hand, do not raise the retirement age can not. If the total life expectancy is increasing, and the age of exit retired does not change, more and more people will rest years, spending the money earned for the same amount of years of working life.
To understand the scale of the problem say that the retirement age for men to 60 years in the Soviet Union was established in 1932 and since then has not changed. In those years, the life expectancy of men in the Soviet Union at birth was about forty years. However, those who have died before, it was very much of their taxes go to the pension system, and they have not received a pension. Today, life expectancy at birth for men is about 63 years. In this age ratio in the Pension Fund money, if you do not replenish it by oil exports, just nowhere to take.
Financial tricks like laying of the money in the savings system or pension fund to help, but not much, because they accumulate only a small part of the salary, and the growth of savings in the average low. Leaders of the investment of pension funds could increase them by hundreds of percent in the fat years, but this is offset by the fact that not every NPF or the Criminal Code gives the yield, and will happen to the pension crisis, 1-2, during which the yield will be negative.
And most importantly - funded system does not change the relation that as the increase in life expectancy people save for retirement from 17 to 60 years, that is 43 years old, and spend (suspended) for one year. Then hoard the same 43 years old, and spent five years because are living longer. Then, 43 and 7, 43 and 15, and so on - the same magnitude of savings is divided into an increasing number of retirement age. In general, the laws of economics, as the laws of nature - they do not cheat. In this situation, require the State to save the retirement age, while preserving the high pensions - is like demanding to repeal the law of gravity. Let us demand that the standard retirement age of 30 years - up to 25 will learn in school and university, worked for five years, and in 30 years to wonder why such a small pension. But just five years can not accumulate so much that they sufficed for the remaining 40 years of his life. So all those complex formulas, the coefficients incomprehensible and confusing concepts are the mechanism that performs one simple function - to prevent a Russian citizen to retire in 60 years.
So, the following happened. The Russians said, "We know we do not know about the laws of economics, to think of them do not want - do not raise the retirement age!" The state responded: "Okay, what problems, here's your retirement age, here's a miserable pension of 60 years and normal - 68 years ».
It's a shame? No. People who want to deceive themselves the laws of nature, should not be offended by the fact that they, in turn, is deceiving the government.
Source
Source:
