Our state, which employs 16 million people and 9 million downloads and pensions, is not able to grow rapidly. There is no money to invest. And on pensions.
Funding of so many pensioners restricts the possibility of financing the investments needed to modernize the economy and create new jobs, says Jeremi Mordasewicz Confederation Lewiatan.
pensioners are waiting for the increase
However, people who are already retired, expect indexation of their benefits. Unfortunately, it is not too high, because the rate is this year only 0.24 per cent., And this means that if someone gets a thousand zlotys, an additional amount for him to reach 2.40 zł.
but from March 1, retirees receiving the lowest benefit those less than 2 thousand will get one-time add-ons, ranging from 50 to 400 zlotys. There were, however, voices that better than the one-time additions would be small, but still increase pensions.
– If there was a constant, a small increase, it probably arise voices that better-off benefits would be greater. However, they are that they do not have enough money to be able to noticeably raise pensions. Because the hole in the budget ZUS is, that money with our contributions flowing into the Social Insurance Fund, their sum is less than what the Department pays. Hence, if raised more pension benefits, the gap would be even greater. Well then, that is enough. On the more we can not afford at the moment – emphasizes guest Ones Marek Zuber, economist.
It is also recalled that the indexation is to serve only the offset losses resulting from inflation or that more expensive some things.
– As Poland 19 months we have deflation, falling prices – hence the low valorization – adds guest Ones.
Do you find the money to lower the retirement age?
Returns also still about lowering the retirement age to 60 for women and 65 for men. This is to take place from next year, said Prime Minister Beata Szydło.
How warns Confederation Lewiatan, the return to a lower retirement age will cost us 2035 until 381 billion zł. The widening budget gap have a negative impact on the economy, the debt will grow rapidly, and Poland fall into the excessive deficit procedure.
– Fortunately, we are talking about the prospect of decades. And these calculations are based on forecasts, and do not know what will happen in several years. But it is just such magnitude. The government must lower the retirement age, because it is one of the key ideas of election promises. If this is not done, it will be hard to win the next election. A plan is such that for 8 years to change Poland. While there will be some opportunities – highlights Marek Zuber.
Three scenarios systemic changes
The first option is the one suggested by the Prime Minister Glinski. The government will reduce the retirement age, because the Poles do not agree with what they did its predecessors, but then sit down to talk. So be combining to give it all put together in such a way as not to collapse of public finances.
The second option it will be very clear reduction of pensions. You will be able to retire early, but they will be low.
– And as the president said Duda, the lower age it will only be able to retire, but not the obligation – like guest Ones. So perhaps the age of 60 go to retire, but we’ll get 300 zł or 400 zł, therefore, and so you will have to work if we want to have more.
– The third possibility is perhaps a miracle happen, for example, we find. shale gas and we will be able to finance the pension system. Anyway, I think the government will lower the retirement age, but it will not be the end of the pension reform in Poland, but the beginning of this process – says Marek Zuber.
Longer – higher benefits
it is important to realize that the longer you work and put aside for future benefits, the more we later. Especially, however, that in other European Union countries is the tendency to raise the retirement age.
– Of course, there is such a tendency. Because if you lengthen the period of retirement, the longer it will receive any. The more you will need to collect the pension money. And somehow you have to take the money – explains guest Ones. And you have to remember this, especially when the discussion on lowering the retirement age.
But he adds Marek Zuber, you may be able to realize this great idea associated with the acceleration of economic growth in Poland, and we will have a very innovative economy, we will be so Israel or South Korea, and the state budget revenues will be enough large, it will be from the budget to subsidize these pensions. Because this is also a source of funding. – But if it succeeds, we’ll see – predicts economist.
Pillar III, Pillar III, Pillar III …
You can also independently collect, accumulate money for future retirement.
– even politicians interviewed, of whom will live in the future to answer that or try to have a lot of children, or they accumulate additional retirement. Poles earn more and more, even though we are not the richest nation in Europe. But it is important to encourage, to introduce such a tradition, a culture associated with individual saving for retirement – notes Marek Zuber.
Because as the government says, if we have to finance all this great expense associated with the modernization of Polish, the also the size of the economy must grow. Taking into the account the whole economy, it is very important.
– Therefore, even 100 or 50 zł per month should put into the bank, because working here so. compound interest. And in the long term, 40-50 years, the percentage of percentage means that the amount still multiply. Although there are of course also those of the family, where even the postponement of 50 zł is the problem. But there is also a lot of those for whom this is not a problem, but I prefer to buy something else – emphasizes guest Ones.
Those saving in the context of Individual Retirement Accounts (IKE) will not pay capital gains tax (the so-called. Belka tax), if you pay out the savings from the bill after reaching 60 years (or the earlier will gain pension rights).
on the other hand, savings in Individual Retirement Accounts Security (IKZE) can now deducted from the tax base. After retiring withdraw from the account will be covered by a flat rate tax of 10 percent.
In 2015, the Poles founded nearly 66 thousand. new IRA accounts and 92 thousand. IKZE. It is a significant increase compared to the data for 2014 years. Everything points to the fact that we ceased to believe in retiring from ZUS and start saving money on your own.
Sylwia Zadrożna, mb
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