23.04.2015 15:31
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Thursday, April 23, 2015
The transition to a funded pension will not be easy – experts – a REGNUM
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The role of savings as a “long money” increases in the absence of external debt, experts say
The decision of the Government of the Russian Federation on the Conservation of funded pensions in the structure of the pension system – positive news for the market, according to experts interviewed by a reporter a REGNUM April 23.
People with average earnings will receive a 60% replacement ratio
storage component in the structure of pensions is needed to balance the pension system , says the president of the National Association of Pension Funds (NAPF) Konstantin Ugriumov. “It is an insurance and funded pension together diversify the risks,” – said the expert.
On the one hand, there remains the principle of solidarity of generations, on the other hand, citizens have the opportunity to form an increase in their pension in the form of pension savings he explains. “According to our estimates, for people with average earnings while maintaining contributions to the insurance and funded pension replacement rate of wages may be 60% or higher. Do not forget the fact that pension funds – the most important investment resource of the country, those “long” money, which is now the Russian economy needs especially, “- says Ugriumov.
How can pension money make a profit
The main question – how to get funded pension funds to bring real profits, says the head of analytical department of Grand Capital Sergei Kozlovsky. “The deficit of the Pension Fund has not been canceled, and only use them to cover the” holes “in the budget wise. Options are not very many: the potential of these tools can be used for the development of any project, as well as to support the economy or even the provision of liquidity, ie lending to commercial banks, which are repaid with a profit for the Central Bank “, – said the expert.
With regard to the effectiveness of the funded system, it raises questions among specialists, experts say. “Official salaries even civil servants are not very high, not to mention what the white low wages received by workers not involved in the public sector”, – says Kozlowski.
The transition period will require funding from the state
The funded part of the pension belongs to a specific person, and nobody has the right to take it, convinced the head of department of “FinExpertiza” Olga Slinkina. “She must be maintained for many reasons: firstly, the funded part is indexed annually by an amount equal to inflation, and secondly, the funded part, in fact, is a direct investment in our economy, which is particularly important under constraints from external financing” – she said.
The transition from the PAYG pension system to a fully funded will not be easy, he said. “In the transition from one system to another will inevitably form a category of retirees left” out of business “, as it works now started to deduct taxes on their savings accounts rather than pay current pensions. This will require the allocation of additional funds for state payments to pensioners, “dropped out” of the distribution system, “- said Slinkina. However, if it is part of the pension will be funded, the credibility of the pension system on the part of future retirees will increase. “And this can not but have a positive economic effect as a whole”, – said the expert.
Risks in NPF and PFR practically identical
Memory system of pension deductions – this is the most effective and reliable way to secure the obligations of government and business to the public, according to partner group vvSube Vadim Tkachenko. An important element that ensures a stable system of pension policy, – a non-state pension funds (NPF), he said. “Unfortunately, not all citizens realize that the NPF – is able to rely on a good pension. Risks as to the FIU (the Pension Fund of Russia), and in the NPF are practically identical. But with the right state regulation is possible to build a mutually beneficial system of support within such a system, thereby minimizing the risks associated with the loss of one of the NPF “, – believes Tkachenko.
As reported IA REGNUM , the storage element of pensions in the Russian pension system is maintained, said Prime Minister Dmitry Medvedev after the meeting in the government. This position was supported by the majority of experts and citizens, he said.
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