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From the beginning of 2019, the formula for amendments to the accumulative pension system will come into force which will allow the average wage to be fully employed for 200,000 people. Theoretical calculations on the new accumulation model were conducted by the Lithuanian Investment and Pension Fund Association (LIPFA).
Expected savings The savings of a young man, starting from the age of 25 up to the second stage, will be invested in accordance with the state-of-the-art lifetime stock model with state stimulus. According to LIPFA, a full-time resident pays € 1,000 and earns a retirement age at the age of 65. It is estimated that annual earnings growth will be 3.5-5% per annum.
It is expected that 200 thousand will be collected. In the future, people will be able to buy goods and services available for € 91,000. Euro
"The state social insurance system guarantees a retirement pensions, but in most cases it is not enough for their basic needs, so we do not appreciate the savings of 1000 euro residents. Currently, inactive workers will be able to get to the second stage and save on retirement starting from 2019. After leaving the labor market, this will be an additional source of income, "says LŽPA President Shannon Ruzgs.
According to him, 3% of the person who postponed the salary, and in 2070, together with a 1.5% state benefit, should collect about 201 thousand. The actual savings may vary depending on the accumulation and macroeconomic conditions.
Currently, 1.3 million or even 9 people out of 10 officially employed at the second stage raise pensions. Sh. Ruzdgio, aging and resettlement of the population, reinforces new demographic issues that are rapidly developing, which is difficult for the government to answer.
"It's never too late to save money. From the next year's tax reform, all the accumulators will cover part or all of their contribution to Level II, and will not reduce their income, "said S.Kh. Religious
At the time of the II-stage pensions and 1.5 per cent of the national average wage is paid by the state. Future pensioners' funds are invested and invested in the share of conservative investments.
When a person leaves the labor market and becomes an old-time retiree, the biggest impact is that due to a considerable decline in monthly earnings, they have to re-select their priorities and know how to distribute low income. Experts believe that after 20 years, retirees may be forced to earn five times less than the pension because the state can only provide them only 23%. current salary pension.
In the second quarter of this year the average wage in the country was 918.8 euros, and the average pension for the state was 337 euros.
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