This is the end of TRAVEL. Part of the audience there us capital will take on a reserve Fund the Demographic situation, and the remaining 75%. will arrive in the third column. This means for our pockets, but the name will change only one thing. – It will be uwłaszczenie Poles, says WP money Gregory Kozlowski, economist Employers RP.
the constitutional Court in a decision of November last year stated that the money accumulated in pension funds, are public funds. He thereby confirmed the famous words of Donald Tusk, when he was in company with Jack Latitude reached the so-called “first section of pension funds”. – I want to tell you that you do not have the money, and it’s not your money, – said Tusk during a press conference.
Now, the government of PiS to achieve the full cutting of the BCP and declared that the money “will return to the citizens.” It is, however, only the portion of accumulated in capital funds.
Is actually uwłaszczenie Poles and this is the best information flows from this idea, says WP money Gregory Kozlowski, expert of Employers RP. – After the transfer of these funds in the third pillar they will be able to decide what to do with them.
Recall – 25%. the money we have in pension funds, will go to Fund the Demographic Reserve. This means that there will be de facto nationalized, as we have already mentioned in the WP money. Across Poland typed this, 35 billion rubles, i.e. almost a two-year program cost the Family 500+.
the Remaining 75%. will go in the III pillar, i.e. meters. in particular, an Individual Retirement Account or an Individual Account Pension. Or Employment Plans of Capital, the extension of which in his plan, recalled Deputy Prime Minister Matthew Morawiecki. Still saving, therefore, was voluntary, and public gathered there could dispose of freely.
according to the original idea, just to be with the money that will be transferred with the OPF. At least not yet. – There is a risk that ruled the ban, for example, withdrawal of money before retirement, tells us Gregory Kozlovsky. – Really yet nobody talks about it, but I think it’s real. Because many Poles may want to shake off this capital and spend it on current needs.
the Expert of Employers of Poland also claims that the office work was the idea that the funds transferred from BKP was guaranteed. This means that in the event of a bear market on the stock exchange (BKP to invest in intelligent transport system, because mainly in equities) and losses, funds, social insurance dopłacałby the difference. However, it is still only a plan.
in General, however, also significantly increase the property rights reform is not enough for Ivanova changes. Common Companies, the Pension will become in TFI, and very simply – just change the name. Says Gregory Kozlovsky, there will be something like “OFIPA”, that is “Open-ended Investment Funds Polish Stock”.
this will require any action on the part of the insured? Probably not, although anyone will be able to migrate between the individual TFI. Detailed records we learn, however, only in the near future.
the End. so ZUS
so Much theory and practice on your own. Because the decision of the Economic Committee of the Council of Ministers has still second bottom.
All the time is it because of the money that is already in the BCP hit. That, however, prints which we will use in the future? – When 2 years ago nearly 2.5 million Poles who decided, that remains in the pension funds, part of their contribution remains were shipped to means, explains Gregory Kozlovsky with Employers of POLAND. After the liquidation of the Bulgarian Communist party, the entire prize will go to the social security administration. And it is important in this reform.
the Expert explained that if a worker wants to save for retirement in addition, the state office will have to pay money out of pocket. Still a small part of the pension contributions odliczanej paycheck was delivered to private pension funds. Now all powędruje directly to USS.
Positive feedback
Despite this, the reform of the pension system positively evaluated by experts. According to Jeremy Mordasewicza of the Confederation of Leviathan is the best solution. – Due to the fact that long-term savings will be to invest in the development of the economy, said Mordasewicz news Agency Radio station.
Also believes Wojciech Nagel with Business Centre Club. As noted in conversation with IAR, passing the 75 percent. funds pension funds to create a third pillar pension capital will be beneficial for the insured. Will not be saved, because filarowość pension system, and all will not be taken in the Social Insurance Fund, as proposed by some experts and trade Union representatives. – If all funds were transferred to the Fund Reserve in the Demographic situation is the systemic risk is huge, – said Wojciech Nagel.
he Added that the maintenance of a system of defined contributions and wielofilarowego pension system is very important. The idea is that the funds were accumulated not only in the FUS, but in the programs of capital and IKE. According to experts, the accumulation of funds for retirement in a few places safer than only one.
in turn, Catherine Taranowska with OPZZ told IAR that it would be better if all the accumulated in the pension funds was transferred to the Demographic Reserve Fund. For Taranowskiej, who is an expert in the field of social insurance, ZUS every IKE is waloryzowane and cannot be there is less money than was sent. – In the capital, and sometimes in different ways. You can increase the funds, and you can lose, – said Catherine Taranowska.
When can we expect first? “After the adoption of the information by the Council of Ministers, międzyresortowy team, which includes representatives of the Ministry of economic development, Ministry of Finance, the Ministry of Family, Labour and Social Policy, social insurance and PFR, will have agreed to specific bases of the reform”, – said the Ministry of Finance.
“the legislative Process is scheduled for 2017, and the changes concerning the functioning of the II and III pillar of the FIU are valid from 1 January 2018.” – said in response to our questions concerning the work schedule for the reform.
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