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People live exclusively in the afternoon, take credits and |
Not a secret, that an old age – not pleasure, pension – pure tears, and grandsons, is yet known, whether lives that notorious glass of water will submit spent. We клянем the state for low pension, the high taxes, growing inflation and constantly raising pension age. And at heart for some reason we tend ideas, that up to pension in general hardly we shall live. Not I have thought up it. These are results of the interrogation lead by the Latvian association of insurers, in occasion of creation of accumulation on the future pension. According to it, 95 % interrogated are assured, that present age of an output on pension (for men – 62, and for women – 61) are too late. Almost third of respondents are assured, that some years up to pension should be lead without work in general. And more than half consider, that the age of an output on pension is those, that up to it it is possible and to not live.
" There is nothing so to think, I assure you, we shall live all up to pension, – the professor of a social and economic demography of Latvian university Juris Kruminsh has encouraged gathered. – the Another matter, whether the state pension will provide a normal standard of living? Certainly, no. Now one pensioner is contained by economically active 4 inhabitants. In 25 years on one old man 3 persons will already work only. "
" It is a high time to reflect on how to save up means for an old age. As now for this purpose there is a weight of tools – private pension funds and different kinds of memory life insurance ", – the president of the Latvian association of insurers Юрис Думпис is assured.
According to Mr. Dumpisa, in Latvia there was a wrong system of values – got things to us more expensively own life and health. As a result the share of life insurance in the general market makes only 7 %. For comparison: in the next Lithuania – 26 %, and in Estonia – even 30 %. The highest parameter in supersafe Finland – 78,5 %.
All speaks what even there where high taxes and stable system of social protection, people try to save up in every way to themselves for a safe old age. Then to brush gray-haired curls, обуть кроссовки and to go to travel on not too safe, but Baltic attractive to tourists-pensioners.
" We always admire at the elderly foreign tourists loafing at us on Old city, – director of State agency of social insurance Инесе Шмитиня speaks. – Our pensioners too can be same, but it is necessary to understand, that knowingly in the state three levels of pension system operate. And three levels together can provide a worthy old age only. Participations in the first and second plans insufficiently. It is necessary to join in the third ".
It is good, if to you has carried with the employer and it does for you payments in a private pension fund. Recently it even becomes one of arguments at a choice of this or that work. If the employer does not incur care of an old age of the subordinate or prefers to not pay at all taxes, the person has an opportunity of a choice of a kind of accumulation. As Mr. Dumpis speaks, it is possible to do payments in a private pension fund and on a regular basis to receive tax privileges. It is annually possible to return 25 % of the paid surtax if to submit the declaration with checks about a payment to fund.
And it is possible to choose any of kinds of memory life insurance. According to Думписа, the last is favourable also that in case of death of the person or loss of working capacity the insurance company guarantees repayment of its all obligations (for example, payment of the taken credit). Besides the saved up sum goes to members of family.