Pension co-financing: we are being fooled again

The rescue of drowning people is the work of drowning people themselvesVladimir Garmatyuk, Novye Izvestia

My philosophy has not given me any income at all, but it has saved me from a lot of expenses.
(XIX century, Arthur Schopenhauer, German thinker, philosopher).

State pension co-financing program. Who benefits from it, a pensioner or the state? Let's count the pros and cons.

Suppose you are 50 years old, for ten years you have transferred the maximum amount to the pension fund – 120 thousand rubles, 12 thousand annually. By the age of 60, by retirement under the state program, your capital doubled and became 240 thousand. To pay this money – 240 thousand, you will be for the next 19 years of life, or 228 months – the estimated life expectancy after retirement, the professional term is the term of survival.

Divide 240 thousand for 228 months, it turns out that 1052 rubles will be returned monthly. The "net" monthly income for 1000 of our invested rubles will be 52 rubles, i.e. the same if you put your money in a bank with a yield of 5.2% per annum. To put it bluntly – not much.

The state benefits. If we consider that today 50% of men do not live to retirement age – their average life expectancy is 55-56 years. In fact, the state offers the population to finance the lack of Pension Fund funds with personal savings, placing them at 5.2% per annum.

To tell the truth, there is another plus – the amount increases by the percentage that the pension fund itself will add from the placement of these funds. For 2007, look at this percentage in your "letters of happiness" from the PF. No one knows what the percentage will be in the next years.

The calculation of these "kopecks" absolutely does not matter for future pensioners when the media does not speak, and the government is also silent – about the most important thing.

They are silent about the main state threat. About what? About how prices for monopolies' services are rising. Let's see what we had ten years ago – in 1998 and what happened in 2008.

Now, at such a rate of monopolistic robbery, imagine what will happen to these prices in another ten years. Multiply the above 2008 prices by 10, 11, 20, respectively. How do you imagine: rent – 59181 rubles, gasoline – 250 rubles per liter, electricity – 19 rubles, telephone – 3324 rubles. And against this background, the monthly increase to your pension is 1052 rubles.

Today, the basic pension amount is 1794 rubles, and the average pension that most of our pensioners receive is 2500-4000 rubles per month. It is unlikely that pensions will increase by 20 or even 10 times in 10 years. Such prices will not stand: neither pensioners, nor working people, nor the state budget. And there is no other "development" program as soon as there is no increase in energy prices today. They don't know what else to do – "at the helm".

Naturally, all this will not happen, because there will not be one of two: either pensioners, or state–monopolistic capitalism. ...Or the donkey will die, or the sultan... (Uzbek proverb)

K. Marx called state capitalism the last formation of "developed" capitalism. But it is already obvious that he has been given as much time as the reserve funds accumulated from oil will last.

In order for Russia and its population to be alive and well for many years, it is necessary that in power, in the government, in the Duma, there are people who think not about themselves, but about the people. What to do is a separate topic of conversation.

"You can fool some people all the time, you can fool everyone for a while, but you can't fool everyone all the time."
(XIX century, Abraham Lincoln, American politician, 16th President of the United States).

Portal "Eternal youth" http://www.vechnayamolodost.ru
14.11.2008