公立年金受給額の減少に備えて私営の年金保険に 加入する件も
Planes privados, una opción para evitar que la pensión pierda frente al salario
Los asesores ofrecen alternativas para evitar que la paga en la jubilación se devalúe
Los expertos del Gobierno proponen pensiones más bajas en tiempos de crisis
Un ejemplo práctico: ¿Cuánto bajará mi pensión?
Alejandro Bolaños Madrid 7 JUN 2013 - 00:01 CET
Private plans, an option to prevent the loss against salary pension
Counsellors offer alternatives to avoid in retirement pay to devalue
Government experts proposed lower pensions in times of crisis
A practical example: How will lower my pension?
Alejandro Bolaños Madrid 7 JUN 2013 - 00:01 CET
The application of the sustainability factor, acknowledges the expert committee, "would lead to a significant reduction of the average pension to the average wage." To avoid "at least partially", this effect, the Government advisory group raises choose "between a combination" of alternatives: reforms to increase the number of contributors, take steps to raise revenue system or "accept the Decline" public pension level, which "could be supplemented by income from private savings."
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The third alternative is the only one that assumes that the public system would not be able to mitigate the board level drop (relative to wages) that would occur in parallel to the decrease in the number of contributors per pensioner. The only remedy then for future retirees receive a pension not too much less than the last salary charge-on average, after the reform of 2011, this ratio would be around 75% - it would invest in private plans with
Private plans, which suffered a blow in the financial crisis, is also presented as alternative recurrently in Toledo Pact agreements.
Allusion to politicians
In the group of experts involved Miguel Angel Vazquez, chief of Unespa studies, the management of insurers, and two regular contributors to this organization: Sociology Professor Victor Perez Diaz and Rafael Domenech, the BBVA research service. In addition, Professor Jose Ignacio Conde-Ruiz is a member of an advisory group of the insurer Aviva, and Manuel Lagares was a director of Mapfre.
In the final version has disappeared criticism that "public representatives can consolidate pension after less than a third of the years of contributions are required of the ordinary citizen." Now only mention is made that "the political class and elites representative" should be "exemplary".
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