Экономия в пенсионных накоплениях

КЕМБРИДЖ – Во всем мире программы государственного пенсионного обеспечения испытывают финансовые трудности. В связи с постоянным ростом средней продолжительности жизни число пенсионеров растет быстрее, чем поступающие налоги для финансирования пенсий.

Бюджетное управление конгресса Соединенных Штатов Америки прогнозирует, что доля программы социального обеспечения в части выплат пенсий по старости вырастет более чем на четверть в последующие 25 лет, с 4,9 процента сегодня до 6,2% ВВП к 2038 году. Поскольку планируемые налоги для программы социального обеспечения не растут быстрее, чем растет ВВП, необходимо или уменьшить объемы социальных выплат, или увеличить долю налоговых отчислений на эти цели.

Одной из причин быстрого роста пенсий является их увеличение в соответствии с инфляцией. По существующему законодательству США пенсионные выплаты автоматически увеличиваются при росте традиционно рассчитываемого индекса потребительских цен (ИПЦ). Однако эксперты уже давно поняли, что ИПЦ в действительности завышает реальный рост стоимости жизни, и должно быть установлено реальное результирующее значение завышения пенсий из-за этого фактора.

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