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The main element constantly stimulating job of pension system.
The competition between the various establishments, aspiring to involve as it is possible
- the number of clients, induces them to constant search of possibilities
Decrease in expenses that attracts reduction of payments of clients. Reduction
The fixed monthly commission fee conducts to increase of the size of the future
Pensions (as the percent which is written off from the rest, saved up decreases on
The personal account), and corresponding reductions of additional payments mean
For the investor increase of the pure rent.
Nevertheless, sometimes to competitive character of system sound
Critical remarks. As argument that fact that expenses is resulted
Under article "commercial activity" (in old system it is absent) can
To lead to increase of expenses of from outside insured. On this question
It is necessary to tell that expenses for commercial activity and the advertising having
Place at operating pension system, the same origin, as any
The expenses connected with any other activity, developing on the market
Models. These expenses are not "squandering" of means, and play
Irreplaceable role as the information is scarce like any
To other goods. Yes, these expenses did not exist at a mode of distribution,
As well as in general in the centralised system of economy, as in both cases
Decisions are accepted by the central management, and thus consumers are deprived
Possibilities freely to express the opinion. In not centralised system,
On the contrary, decisions are accepted by individually numerous agents
(Consumers and manufacturers) and consequently the information has very big
Value. And as it does not appear in itself, there are indirect
The expenses connected with distribution of the information among agents, working on
The market, as generates publicity expenses and other commercial activity.
Even if in system of individual accumulation the additional also take place
The expenses which are absent in distributive system (by the way, their size
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