Apie pensijas ir jų reformą

Šiuo metu visuomenėje vyksta aktyvi diskusija apie pensijų sistemą ir jos (galbūt) būsimą reformą. Pabandykime paskaičiuoti mano 2-os pensijų pakopos uždarbį.

Asmeniniai rezultatai

Aš pensiją kaupiu jau nuo 2011 01 01 (daugiau nei 6-is metus), tad atėjo laikas "suvesti galus" ir išsiaiškinti, kaip sekasi mano pasirinktam 2-os pakopos pensijų fondui. Tai yra vieno iš Lietuvos bankų pensijų fondas, didžiausios akcijų dalies (pats rizikingiausias). Aš prie savo pensijos prisidedu ir pats - nuo mano atlyginimo nuskaičiuojami papildomi 2%.

Pagal banko interneto svetainės duomenis, fondas nuo 2011 01 01 iki 2017 04 05 uždirbo 24,84%. Kadangi jau praėjo 6-i metai ir nepilni keturi mėnesiai, metų uždarbio vidurkis būtų ~ 4,14% (24,84 / 6 metų). Pastaba: matematiškai nėra visai korektiškai imti 6,4 metų duomenis ir dalinti juos iš 6, bet šiuo atveju tai turbūt nėra svarbu :)

Paskaičiavau savo turimų pensijų fondų vienetų vertę. Sustačiau paprastą proporciją:
Sumokėtų įmokų suma - 100%
Dabartinė vertė - x%

Ir gavau, kad per daugiau nei 6-is metus skirtumas yra 16,21%. Tad, vidutiniškai per metus aš uždirbau ~ 2,7%. Tad, tikrai toli iki tų vidutiniškai pensijų fondo uždirbtų 4,14%.

Apibendrinant, uždarbis iš 2-os pakopos pensijų fondo yra tikrai nedidelis. O jei įvertintume infliaciją - jis dar ir sumažėtų.

Ko norėčiau iš pensijų sistemos

  • Galimybės nuo savo atlyginimo pervesti į pensijų fondą daugiau nei 2%. Ir man nesvarbu, kaip vadinsis šis pensijų fondas - 2-os pakopos, 3-ios pakopos, profesinis ar dar koks nors kitas. Pavadinimas nėra svarbu - svarbu yra galimybė pensijų fonde sukaupti daugiau pinigų senatvei.
  • Galimybės anksčiau išeiti į pensiją, o ne tada, kai sukaupiu būtiną darbo stažą (jei neklystu, tai yra 30 metų). Taip, aš galiu išeiti į išankstinę pensiją, bet tokiu atveju man sumažėtų pensija. Panašiai yra JAV - sukaupi pakankamai pinigų pensijai ir gali nebedirbti.
  • Ryšio tarp sumokamų socialinio draudimo įmokų į Sodrą ir išmokų. Pagal dabartinę pensijų sistemą, išmokų dydžiai menkai priklauso nuo sumokėtų valstybinio socialinio draudimo įmokų - daugiau uždirbantys žmonės remia mažiau uždirbančius. Tas ir sąžininga (mano nuomone, reikia padėti) tačiau norisi, kad ir daugiau sumokantys kažką gautų.
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Komentarai

Dėl tų „noriu pervest daugiau“, tai tam juk ir yra 3 pakopos fondai. Kaupk ten, kiek širdis geidžia.

Taip ir darau. Bet norėtųsi, kad nuo algos automatiškai nuskaičiuotų tuos didesnius/mažesnius pervedimus į pensijų fondus.

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