Снижая уровень защищенности пожилых

Кризис пенсионной системы, замаячивший на горизонте в Японии, Европе и в Америке – это что-то вроде оптической иллюзии. Однако проблема реальна, хотя ее размеры преувеличены. Иллюзией ее делают некоторые планы, которые разрабатываются с целью ее решения.

Главный вопрос заключается в том, сможет ли приватизация пенсионной системы, в частности предложенная президентом Джорджем Бушем реорганизация системы социального обеспечения Social Security в Соединенных Штатах, решить проблему или попросту еще больше ее усугубит. Требуется тщательное исследование данного вопроса, поскольку очень многие страны сейчас думают о том, принимать им или нет варианты предложенного Бушем плана.

Сама по себе приватизация очевидно решением не является. Дающая сбои частная пенсионная система Америки, – долг которой на данный момент насчитывает несколько сотен миллиардов долларов, по-видимому, вскоре сама обратится за государственной помощью. Было время, когда приватизация – позволение индивидууму открывать свои личные сберегательные счета – казалась лучшим решением, чем система Social Security, которая инвестировала средства в казначейские вексели. Защитники приватизации утверждали, что пенсионные фонды будут работать гораздо лучше, если их инвестировать в акции, обещая по ним доходность до 9%.

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