Die falsche Versprechung eines späteren Übergangs in den Ruhestand

EU Kommissar für Wirtschaft, Pedro Solbes, warnt davor, daß sich das Schrumpfen der Bevölkerung in der EU schon bald sehr nachteilig auf die Wirtschaft des Kontinents auswirken wird. Es sind also Reformen nötig, um die Krise abzuwenden. Alain Jousten erörtert einen verlockenden aber falschen Reformvorschlag, der oft ins Gespräch gebracht wird.

Die Sozialhilfesysteme beben wie nie zuvor, und das nicht nur in Europa, sondern ebenso auch in Teilen von Nord-, Südamerikas und Asiens. Der Einbruch der Fruchtbarkeitsraten verbunden mit der längeren Lebenserwartung treibt rasch und deutlich auf eine Überalterung der Bevölkerung zu. Schlimmer noch, die demographische Bedrohung wird durch die Art und Weise verschärft, wie die meisten Länder ihre allgemeine Rentenversicherung finanzieren.

Viele Ruhestandsysteme verlassen sich sehr stark auf eine Philosophie des ,,Gezahlt wird aus den Eingängen" (pay-as-you-go = PAYG). Statt jede Generation zu zwingen, für seine eigenen Renten aufzukommen, werden die Zahlungen an die heutigen Rentner aus den Beiträgen der noch Jungen finanziert.

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