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In Ukraine, funded pensions can be launched in a few years. Each worker will be obliged to deposit a part of his salary in a special account. The money raised will be kept and invested in funds until the Ukrainian reaches retirement age. After that, you can get the second payment. However, this innovation will not affect everyone.
This is stated in the OBOZREVATEL material. So now there are several projects to launch the cumulative level. Some suggest collecting contributions from those under 35 years of age. Others want to introduce funded pensions for those who have not yet turned 50. The rest of Ukrainians (including active retirees) will receive the same payments as now.
Ukrainians who will be affected by the new pension reform will also be entitled to state pensions. They will be entitled to two payments: one from the State Pension Fund and the second from their own savings account.
This scheme works in many western countries. However, there are high risks in Ukraine: too high inflation (savings may run out), few tools for investing (the stock market does not fully work, there is a risk of bankruptcy and theft of funds).
As former Minister of Social Policy Andrei Reva and senior researcher at the Institute of Demography and Social Research Lidia Tkachenko told OBOZREVATEL, with a contribution foreseen by the authorities of 4% of salary, in the best case scenario, the second pension will be the same 4%. And this provided that the accumulation fund can increase the funds collected to extinguish inflation and offset administration costs.
The average salary in Ukraine is about 12 thousand UAH. Suppose that the Ukrainian received an average salary on a regular basis and for 20 years regularly paid contributions to the “second pension”. In this case, you will be able to receive the same 400 UAH for the next 20 years (from 60 to 80).
Note that the nominal size of the second pension will change, but the real value of the future pension with a contribution of 4% will not exceed 4% of the average salary. The only way to significantly increase the size of the “increase” is to achieve a significant increase in the wages of Ukrainians and bring them out of the shadows.
Earlier OBOZREVATEL wrote in detail about what the pension reform of the Cabinet of Ministers will look like and why the situation with the payment of pensions in Ukraine will worsen every year.
