Škandal pri pokojninskih rentah

O ren­tah iz 2. pokoj­nin­skega ste­bra sem letos par­krat pisal (izra­čun, pre­li­va­nje denarja,  višina,  obdav­či­tev). To pa zato, ker se bliža tre­nu­tek resnice, saj bo zaradi poteka 10-letnega obdo­bja v nasle­dnjem letu ravno ta renta eden od osre­dnjih finanč­nih poj­mov v medi­jih in med lju­dmi. V decem­br­ski šte­vilki Mojih Financ je to temo pre­gle­dno pov­zela tudi Marja Milič v članku, ki pa bi se glede na vse­bino moral ime­no­vati Škan­dal pokoj­nin­skih rent, ne pa Triki pokoj­nin­skih rent.

Če kaj, je ravno renta »ulti­ma­tivni« finančni pro­dukt. Sklepa se samo enkrat, proti koncu življe­nja, in skle­njeni pogoji izpla­če­va­nja veljajo do smrti. Nobene nakna­dne spre­membe niso več možne. Če se je skle­ni­telj odlo­čil narobe, ni možno­sti poprav­nega izpita. Vsaj ne v tem življenju.

Dejstva so na kratko naslednja:

  1. Že 10 let je znano, da se v letu 2011 začne izpla­če­va­nje pokoj­nin­skih rent iz PDPZ (II. stebra).
  2. V vsem tem času pri­stojna Agencija za zava­ro­valni nad­zor (AZN) ni izdala pred­pisa, ki bi opre­de­lil eno­tne pogoje tega pro­dukta, da bi se ponu­dniki  lahko pra­vo­ča­sno pri­pra­vili in še pose­bej, da bi zava­ro­vanci (ki jih je pol mili­jona) sploh lahko izve­deli, kakšna bo nji­hova renta (od kate­rih pogo­jev bo odvisna).
  3. Zavarovanci so v II. ste­bru zakle­njeni v to »posebno pokoj­nin­sko rento« (ki danes, konec decem­bra 2010, sploh še ni ustre­zno defi­ni­rana). To pomeni, da s svo­jimi pri­hranki ne morejo kupiti kate­re­koli rente na zava­ro­val­ni­škem trgu (npr. pri Merkurju,  Triglavu, Wiener Staedtische ali kje dru­gje), pač pa samo pri tistih, ki bodo imeli na voljo »pokoj­nin­sko rento«. Nekateri nesrečni zava­ro­vanci celo te izbire ne bodo imeli, pač pa so že vna­prej vezani  na istega ponu­dnika, pri kate­rem so bili v času varčevanja.
  4. Ker pra­vila niso opre­de­ljena, zaen­krat izva­jalci PDPZ (zava­ro­val­nice in pokoj­nin­ske družbe) delajo vsak po svoje, na pod­lagi raz­lič­nih izhodišč.

Posledice neu­re­je­nega sta­nja so naslednje:

  1. Zavarovanci nimajo pojma, koliko rente lahko pri­ča­ku­jejo. Ministrstvo za delo (MDDSZ), ki potr­juje pokoj­nin­ske načrte (ki so neke vrste »splo­šni pogoji« pro­sto­volj­nega pokoj­nin­skega zava­ro­va­nja), ni zah­te­valo, da morajo ponu­dniki v njih opre­de­liti tudi rento ozi­roma izpla­čilno fazo zavarovanja.
  2. Ministrstvo za finance (MF), ki je pri­stojno za zava­ro­val­ni­ško zako­no­dajo, v zava­ro­val­ni­ški zakon te pro­ble­ma­tike ni uvr­stilo, kljub temu, da je zakon v tem obdo­bju bil dopol­nje­van in spreminjan.
  3. Informativni izra­čuni na spletu upo­šte­vajo raz­lične pred­po­stavke, pri čemer bodo ponu­dniki morali potem zares upo­ra­biti pov­sem druge, zaradi česar seda­nji rezul­tati izra­ču­nov ljudi zava­jajo (poten­ci­al­nim stran­kam ni znano niti katere tablice smr­tno­sti bodo upo­ra­bljene niti katere oblike rent bodo na voljo niti kakšni so dovo­ljeni stro­ški izpla­če­va­nja niti kakšna bo pred­pi­sana obre­stna mera ple­me­ni­te­nja v času izpla­če­va­nja). Člani, vklju­čeni v sis­tem PDPZ, med seboj niso enakopravni.
  4. Tisti zava­ro­vanci, ki jim bo 10-letno obdo­bje pote­klo še v času ZPIZ-1 (v prvem delu 2011), bodo skle­nili rento pod dru­gač­nimi pogoji, kot tisti poznejši po ZPIZ-2. Razlike v višini zne­ska bodo lahko velike.

V letu 2011 bo pogoje za rento izpol­nilo več kot 10 tisoč ljudi. Država (MDDSZ, MF, AZN) njim in osta­lim sto tiso­čem do tik pred zdajci ni uspela zago­to­viti niti mini­malne tran­spa­ren­tno­sti glede te odlo­či­tve, ki je s finanč­nega vidika ena od naj­po­memb­nej­ših v nji­ho­vem pre­o­stanku življenja.

Katera beseda potem seda­nje sta­nje naj­bolj ustre­zno opi­suje? Šlam­pa­rija? Šala­baj­ze­ri­zem? Fiasko?

Ta članek je bil objavljen v kategoriji pokojnina z značko .

3 Komentarji

  1. bine bone
    Objavljen na 24. december 2010 ob 14:03 | stalna povezava

    Pa kaj se toliko matrate? Vse je zaman. Čaka nas sku­pin­ski pokop.

    Has The Financial Collapse Of Europe Now Become Inevitable?

    Friday, 24 December 2010 11:06

    What in the world is happe­ning over in Europe? Well, it is actu­ally quite sim­ple. We are witnes­sing the slow motion col­lapse of the euro and of the European finan­cial system. At this point, many ana­lysts are con­vin­ced that a full-blown finan­cial implo­sion in Europe has become ine­vi­ta­ble. Ireland, Spain, Portugal, Italy, France and Belgium are all dro­wning in an ocean of unsu­sta­in­a­ble debt. Meanwhile, Germany and the few other “heal­thy” mem­bers of the EU con­ti­nue to try to keep all of the balls in the air by bai­ling everyone out.

    But can Germany keep bai­ling the rest of the EU out inde­fi­ni­tely? Are the German peo­ple going to con­ti­nue to be wil­ling to hand out gigan­tic sacks of cash to fix the pro­blems of other EU nations?

    The Irish were just bai­led out, but their pro­blems are far from over. There are rumors that Greece will soon need ano­ther bai­lout. Spain, Portugal, Italy and France have all ente­red cri­sis ter­ri­tory. At the same time, there are a whole host of nati­ons in eastern Europe that are also on the verge of finan­cial col­lapse. So is there any hope that a major sove­re­ign debt cri­sis can be aver­ted at this point?

  2. bine bone
    Objavljen na 24. december 2010 ob 14:52 | stalna povezava

    1. bine bone komen­tira:
    Tukaj kom­plet čla­nek. Zdaj pa se hitro zami­slite kako in kaj?

    Has The Financial Collapse Of Europe Now Become Inevitable?
    The Economic Collapse

    December 23, 2010

    reportthis.png

    We are witnes­sing the slow motion col­lapse of the euro and of the European finan­cial system.

    What in the world is happe­ning over in Europe? Well, it is actu­ally quite sim­ple. We are witnes­sing the slow motion col­lapse of the euro and of the European finan­cial system. At this point, many ana­lysts are con­vin­ced that a full-blown finan­cial implo­sion in Europe has become ine­vi­ta­ble. Ireland, Spain, Portugal, Italy, France and Belgium are all dro­wning in an ocean of unsu­sta­in­a­ble debt. Meanwhile, Germany and the few other “heal­thy” mem­bers of the EU con­ti­nue to try to keep all of the balls in the air by bai­ling everyone out. But can Germany keep bai­ling the rest of the EU out inde­fi­ni­tely? Are the German peo­ple going to con­ti­nue to be wil­ling to hand out gigan­tic sacks of cash to fix the pro­blems of other EU nati­ons? The Irish were just bai­led out, but their pro­blems are far from over. There are rumors that Greece will soon need ano­ther bai­lout. Spain, Portugal, Italy and France have all ente­red cri­sis ter­ri­tory. At the same time, there are a whole host of nati­ons in eastern Europe that are also on the verge of finan­cial col­lapse. So is there any hope that a major sove­re­ign debt cri­sis can be aver­ted at this point?

    One would like to think that there is always hope, but each month things just seem to keep get­ting worse. Confidence in European gover­nment debt con­ti­nues to plum­met. The yield on 10-year Irish bonds is up to 8.97%. The yield on 10-year Greek bonds is up to an asto­un­ding 12.01%. The cost of insu­ring French debt hit a new record high on December 20th.

    Bond ratings all over Europe are being sla­shed or are being thre­a­te­ned with being sla­shed. For exam­ple, Moody’s Investors Service recen­tly cut Ireland’s bond rating by five levels. Now there is talk that Spain, Belgium and even France could soon all have their debt signi­fi­can­tly down­gra­ded as well.

    But if the bor­ro­wing costs for these tro­u­bled nati­ons keep going up, that is just going to add to their finan­cial pro­blems and swell their bud­get defi­cits. In turn, lar­ger bud­get defi­cits will cause inve­stors to lose even more confidence.

    So how far are we away from a major cri­sis point?

    Professor Willem Buiter, the chief eco­no­mist at Citibank, is war­ning that quite a few EU nati­ons could finan­ci­ally col­lapse in the next few mon­ths if they are not quickly bai­led out….

    “The mar­ket is not going to wait until March for the EU auth­o­ri­ties to get their act toge­ther. We could have seve­ral sove­re­ign sta­tes and banks going under. They are being far too casual.”

    Many ana­lysts are even cal­ling for some of these tro­u­bled nati­ons to stop using the euro for a while so that they can reco­ver. In fact, Andrew Bosomworth, the head of por­t­fo­lio mana­ge­ment for Pimco in Europe says that Greece, Ireland and Portugal must all quit the euro at least for a lit­tle while if they expect to survive….

    “Greece, Ireland and Portugal can­not get back on their feet without either their own cur­rency or large trans­fer payments.”

    Sadly, most Americans don’t rea­lize just how bad the situ­a­tion in Europe is beco­ming. This is truly a histo­ric cri­sis that is unfol­ding.
    * A d v e r t i s e m e n t

    *

    German Chancellor Angela Merkel decla­red ear­lier this year that this is the biggest finan­cial cri­sis that the EU has ever faced….

    “The cur­rent cri­sis facing the euro is the biggest test Europe has faced for deca­des, even since the Treaty of Rome was signed in 1957.”

    So what is the answer?

    Well, many are spe­cu­la­ting that the EU could actu­ally break up over this whole thing, but ano­ther pos­si­bi­lity is that we could even­tu­ally see much gre­a­ter integration.

    In fact, for the first time the idea that “euro bonds” could be issued is gain­ing some trac­tion. This would spread the risk of European gover­nment debt thro­u­ghout the European Union. At this point, Andrew Bosomworth says that things have got­ten so bad that it now seems ine­vi­ta­ble that we will soon see the cre­a­tion of euro bonds….

    “Whether now or later, there is no way aro­und a euro bond.”

    So just how bad are things going to get in Europe? Well, ear­lier this year Anthony Fry, the senior mana­ging direc­tor at Evercore Partners had the fol­lo­wing to say about the emer­ging bond cri­sis in Europe….

    “I don’t want to scare anyone but I am con­si­de­ring inve­sting in bar­bed wire and guns, things are not loo­king good and rates are hea­ding higher.”

    So why sho­uld Americans care about all this?

    Well, what is happe­ning to these tro­u­bled European sta­tes is even­tu­ally going to happen to us.

    If rates on U.S. gover­nment debt even­tu­ally hit 8 or 12 per­cent it will lite­rally be finan­cial arma­ged­don in this coun­try. The U.S. gover­nment has piled up the biggest moun­tain of debt in the history of the world, and if we con­ti­nue piling up debt at the pace that we are, then it will only be a mat­ter of time before the IMF is deman­ding that we imple­ment our own “auste­rity measures”.

    As I have writ­ten about pre­vi­o­u­sly, there are alre­ady nume­rous indi­ca­ti­ons that con­fi­dence in U.S. Treasuries is dying. If that happens, we could lite­rally see inte­rest costs on the nati­o­nal debt dou­ble or even triple.

    But it is not just the U.S. gover­nment that is in tro­u­ble. A blo­od­bath in the muni­ci­pal bond mar­ket has alre­ady star­ted. Hundreds of state and local gover­nments across the United States are on the verge of bankruptcy.

    So don’t laugh at what is going on in Ireland or Greece. The next vic­tims could be finan­ci­ally tro­u­bled sta­tes such as California and Illinois.

    In the history of glo­bal finance, we have never faced a sove­re­ign debt cri­sis like we are see­ing now. All over the globe gover­nments are being suffo­ca­ted by abso­lu­tely cru­shing debt loads. Once a cou­ple of domi­noes fall, it is going to be really hard to keep the rest of the domi­noes from falling.

    This is the biggest cri­sis that the euro has ever faced. At some point Germany will either be unwil­ling or una­ble to con­ti­nu­ing rescu­ing the rest of the EU coun­tries from the unsu­sta­in­a­ble moun­ta­ins of debt that they have accu­mu­la­ted. When that moment arri­ves, it is going to throw world finan­cial mar­kets into turmoil.

    But this is what happens when we allow long-term debt bubbles to be cre­a­ted. Eventually they always burst.

    Stock up for the Holidays with eFo­od­sDi­rect and get FREE Shipping! (Ad)

    So keep your eye on the euro, beca­use if a finan­cial col­lapse does happen in Europe it is going to have a dra­ma­tic impact on the United States as well.

  3. Objavljen na 25. december 2010 ob 15:24 | stalna povezava

    Se ne stri­njam, da gre za kolaps mone­tarne poli­tike eura.
    Mnenj o tem kaj se dogaja je na tisoče in res le redko kdo zadane s svojo napo­vedjo.
    lp

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