The Government wants the national debt increase, with EUR 40 billion from 2020 to transition to a new pension system. The rest of the workers and employers have to cough up.
State Secretary Jetta Klijnsma performed these cabinet period a ' retirement dialogue ", sent a letter to the House of representatives ' and ' global ' is Friday with a ' note ' perspective. Long story short: the next Cabinet should the difficult decisions about a new pension system, which has to be launched by 2020.
Everyone in the polder and the room is pretty much agree that the present system on the shovel. The so-called typical system from the 1950s ensures that young people (45-minners in this case) relatively too much premium pay for the pension on the other hand, and the elderly too little. That leads to pension holes for employees who own or long with a temporary contract work.
Another drawback of the current system is that the expectations raised for many retirees not be fulfilled. In addition, older workers because of a higher pension premium more expensive for their boss. If you have a premium independent age enter are older people more attractive to employers.
a cost of 100 billion
But abolish the current pension system costs according to the bureau for economic policy analysis (CPB) such a 100 billion. Can these cabinets account for 40 billion by a fiscal control. That makes for a bigger budget deficit, but results via the tax eventually will be back in the State coffers.
The remaining 60 billion workers and employers will have to cough up by either a lower pension benefit or higher pension premiums for 25 years. people over 45, most bad luck when a new system comes: they have the last few years many pension premium paid, but benefit otherwise if the current pensioners. But if you want to protect people over 45, that must be paid back by younger workers, born around 1980 to 1990.
This pain can be divided according to the calculations the fairest over the generations as you transition spreads over 25 years. But the Government wants to hopefully a lot sooner change to the new system because it provides that people will start complaining about the higher premiums. Now grumble that they still have to pay workers also for people who have gone with the now abolished early retirement scheme.
Ambition contract
Another tough choice where the next Cabinet stands for, is about new contracts that pension funds. Kaden shows all scenarios at least two variants which, in its view, the best. The first option is a personal pension pot, with risks with his all be shared such as now (and freedom of choice for individuals so limited). The second option is a less individually ' contract ' ambition. Advantage of this is that there can be indexed faster than now, but there is no certainty as to the amount of the pension.
These variants will be investigated further, but a new cabinet can always come back to a very different plan. So let Kaden more options open. For example, because it is a good idea if retirement savers itself may decide on in which it invests with their money? Or that employees may already include some of their pension money to buy a House? Or a temporary premium stop for young people? A new cabinet may burn out his fingers.
By Editorial AD Photo: REUTERS
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