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With use it payments, are connected with the assumption of 2 %-s' annual Gain of real size of the taxable income insured since the moment
The beginnings of labour activity till 50 years. In the absence of such gain and
Invariances of incomes during all period of payments of pension payments
Procedure of transfer of the previous payments would yield losses to the insured.
The new pension system, started to operate in the country since 1981, considerably
Differed from the preceding. The new scheme based on capitalisation
Personal payments, tried to win adherents by a competition between it and
Grantings insured freedom to choose that model of the pension
Maintenance which gives the highest pensions at the least
Expenses and at better service.
At the analysis of new pension system it is necessary to pay attention to the following:
As a part of the payments paid insured in pension fund,
The fixed monthly commission fee are provided. These commission fee,
Expressed in terms of constant purchasing capacity UF, have decreased on
70 % from December, 1981 till December, 1990 Percentage commission fee on
The saved up rest also have decreased by 1987
The base rates of payments established by the law, were not exposed any
To changes for all period of existence of new pension system. For the period
1981 - 1984 there was the essential growth of additional payments connected with
Increase in the rate because of weight of physical inability. Besides, since 1988
The rate of additional payments includes means, which before
Time entered into the sum of commission fee on the saved up rests. Nevertheless,
Comparing additional payments from December, 1984 till June, 1990,
It is possible to notice that there was their decrease on 12,3 %.
Two previous positions show that after start of new system
Provision of pensions capitalisation of incomes and a competition between it
Promoted decrease in expenses insured.
As the rate of the fixed monthly commission fee does not depend on size
Taxable incomes, relative density of this kind of expenses for insured with
Lower incomes is higher. However this difference considerably
Has decreased lately as a result of taking place decrease in rates
The fixed monthly commission fee.
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