Pension reform of 2015 - the state racket? To Ostap Bender on a note ofof People it is necessary to our state only until he is capable to bring in the income. So far he works, works for increase in gross domestic product, from its salary taxes are paid, it goes to shop and spends money from which besides the shop will transfer taxes. And so on around, as not absolutely already healthy, but still obedient and quite to working horse.
When the person leaves and comes for deserved rest, it is very favorable to the state that he died at once, in the same day, it is desirable, on the way home. Then it is possible to save on free treatment, social, pension, housing and transport service fine.
Few years ago in the article “The Pensioner Is Buratino of Our Time“ I already spoke about it. Over the years nothing exchanged. Unless money at the state became even less. Also rushed.
Since August it is 2015 - years do not work some travel privileges of pensioners. Obviously, in state agencies correctly learned the buzzard`s lessons from an animated cartoon about the Imp Trinadtsaty. “The buzzard has to stay at home, but not gad the devil knows where“. Honestly … And that suddenly still will reach policlinic!
Above reflected with whom to begin economy? Reflected and decided that it is necessary to begin not with the officials stealing in billions, not from the trade forcing producers to sell the work for kopeks and winding huge money for the mediation, and with the fattest, most cunning idlers - the hypochondriacs who are called pensioners.
And the justification was. The pension, appears, it is compensation for work loss, explained to us. And time you work, and to you it is not necessary to pension. And nothing that elderly people often work not from good life whom it concerns.
Though as to the economist it seemed to me that this severance pay and a dole - compensations for work loss. And the pension, first of all, is gratitude of the state to that person who spent the life, the most valuable that it has - the time, working for the good of this state. Whether it is worth forgetting that present pensioners worked exactly for the good of the state. Only with recent, to historical measures, a time people began to work also for themselves.
And the first that occurred to legislators - reformers: to enter mark pension system in the country. It should be noted that reform this not the first, but I can precisely tell that the most muddy of previous. Ostap Bender and that would envy developers of it of “rather honest way of depriving of money“ which I call the state racket because there are no other words.
About pensioners future. At most, for what you can apply at the moment, without being socially unprotected category of the population, and quite to itself the ordinary young man with hands and legs and without relatives demanding your leaving is 7,39 points, receiving a month 59 250 rubles added (i.e. to a deduction of a tax on the income). The point price - 71,41 rub. To receive there is no more sense because 7,39 is the top limit which can only fall.
Thus, the earned pension in a year will make: 7,39 x 71,41 = 527 rub 72 kopeks. Let`s present (though it is difficult to present it) that on it reform ended, nothing exchanged also you, having fulfilled 20 years, with flowers and cheeks in lipstick retired.
Accumulating in a year on 527,72, you receive at the exit 10 554 rub (527,72 x 20). Let`s add to it some recalculations, indexations, at most thousands on 5. Let`s receive 15 554 rub
“But we have still a funded pension, 6% of a salary, - you will tell. - And the non-state pension fund “Horns and Hoofs“ in which the state obliged me to invest money, having withdrawn them from the state Pension fund, reliably stores it!“
what I will answer that it is still a controversial issue, is it or not because it that is, is not present. And the funded part is a lottery: you will manage to invest money there where they will not be shirked in 20 years - dance, you will not manage - the fool. Therefore let`s not to consider this part here because to count it though how many - that authentically will not leave.
So, as if I worked at favourite work (and I love it, oh, damn!) it is more than 15 554 rub not to see to me. Even if to me owing to future reforms 10 points a year worth 100 rubles everyone will be charged, I will receive pension in 20 000 rub. What will be able I to buy on this money in 20 years? It is not ready to answer because to an eye that looks forward, I have no third.
And now we will look in what my work costs the employer. Every month the employer deducts only in the Pension Fund 22% of the sum of my salary (16% - insurance part, 6% - a funded part which that will transfer to “A horn and Hoofs“). What makes 13 035 rub a month (59250 x 0,22). And it monthly includes these 13 thousand in the cost of the goods, raising their price. But besides the Pension Fund, it needs to list also other taxes on my salary: in Funds of medical and social insurance. And I receive less 13% of the added income which besides go to treasury!
So, the employer pays 156 420 rub in the Pension fund. in a year that I earned 527, 72 rub!
The question of the Kid from the fairy tale about Carlson is involuntarily remembered: “Well, if I cost so much, I can receive at least a little bit now?“
Two words about the working pensioners. Irrespective of their income and the size of contributions of the employer, to the person the extra charge is put: 3 pension points a year, i.e. 214,23 rub. Thus, again it is favorable to employer to charge to the pensioner minimum possible income, and a difference between the actual and added salary to pay in an envelope.
The Chairman of the Federation Council told once that it is necessary to understand why 20 million young people get paid in envelopes and are not afraid for the future. There is a wish to answer, time they there above did not understand yet. Because we see how there live our grandmothers and grandfathers, and we do not experience illusions.
But you do not worry about us, please. In the end of the year and you will have 214,23 rub, that`s when will go on a spree on everything!