2017 marked the beginning of a radically new approach to settlements and payments in Russia. Now pensions do not have to be indexed by the amount of growth; they can simply be frozen. This will have a positive impact on the Pension Fund deficit and budget expenditures in general. One can understand the officials: after all, with the reduction of enterprises and organizations making contributions to the Pension Fund, the amount of pension revenues also decreases. And since the existing joint pension system is entirely dependent on the working population, there is no reason to count on an increase in pensions in the conditions of the falling Russian economy.
What way out of this vicious circle can be found? There is only one way out - a transition from solidarity pension system to the savings account. But here the main obstacle to the creation of a normal European pension system is the same “Soviet mentality”: the population is not ready, either morally or financially, to take responsibility for their future pension. It is much easier to wait for the next increase from the state and be indignant at why pensioners from European and other countries of the world receive a much larger pension than their Russian colleagues.
Review of the average pension in Europe and the world in 2017
| Countries of the world | Average pension, USD |
| Germany | 2650 |
| Norway | 2340 |
| USA | 2150 |
| Greece | 930 |
| Czech | 570 |
| Poland | 510 |
| Estonia | 440 |
| Russia | 220 |
| Kazakhstan | 160 |
| Belarus | 140 |
| Azerbaijan | 120 |
| Georgia | 80 |
| Ukraine | 70 |
| Kyrgyzstan | 60 |
| Tajikistan | 50 |
Retirement age in different countries the world is set differently. Also, each state has its own rules for retirement. Do not forget that funds paid to a person are calculated according to different principles. Each country has its own rules in this regard. What distinguishes pension systems in the world from Russian accrual of funds in old age? What features should you pay attention to? At what age do they go on a well-deserved rest in a particular area? It is quite difficult to answer, because every year various changes occur in the world regarding pensioners. Find at least approximate answers about how much is on average retirement age in different countries of the world, the table will help.
Pension in different countries of the world - infographics
Russia. Now pensions do not have to be indexed to the amount of inflation growth; they can simply be frozen. This will have a positive impact on the Pension Fund deficit and budget expenditures in general.
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One can understand the officials: after all, with the reduction of the wage fund of enterprises and organizations that transfer contributions to the Pension Fund, the size of pension revenues also decreases. And since the existing joint pension system is entirely dependent on the working population, there is no reason to count on an increase in pensions in the conditions of the falling Russian economy.
What way out of this vicious circle can be found? There is only one way out - the transition from a joint pension system to a funded one.
Pensions in other countries
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What are pensions like in countries around the world?
Login and Registration Vologda Gismeteo « Back Pensions in other countries 12/30/2017 16:12 Below is a table of pensions in all countries of the world, the amount of the pension is indicated in dollars: The highest pension in Denmark is 162,400 rubles, but still the standard of living is completely different. For example, in Denmark food prices:
- Beef fillet RUB 1,388
- Marinated pork for barbecue 1,388 RUB
- Chicken fillet costs 555 RUB
- Minced meat 555 RUB
- Boiled pork 926 RUB
- Bacon RUB 1,481
- Frozen shrimp 648 RUB
- 10 eggs 278 RUB
- Hard cheese RUB 1,481
- Grapes 324 RUB
- Cherry tomatoes 231 RUB
- Cucumbers 185 RUB
- Cabbage forks 74 RUB
- Bottle of inexpensive wine 278 — 463 RUB
- Sushi set 225 g 370 RUB
But it is clear that pensions in any country depend on the country’s standard of living.
Average pension in 2017 in Russia and other countries of the world
Important
Pensions » Size » Which country in the world has the largest pension? Many pensioners, leaving for a well-deserved retirement, do not suspect that, having lost their main, sometimes significant, earnings, they are practically left without a livelihood, since the amount pension payments It is impossible to afford not only the desired vacation, but also basic things: buying groceries, medicines, paying for utilities, telephone, etc. This involuntarily raises the question: which country has the largest pension in the world, and what place does Russia occupy in this ranking? Do you want to have additional income? Then don’t waste time and find out what to do in retirement to earn money.
A similar situation can be seen in many countries, as this is a global problem. It is associated with a demographic decline that can be traced over many decades.
The largest old-age pension in the world or where retirees can live well?
It is these states that have high life expectancy and a high pension threshold. These two factors will not coincide in those countries of the world where the ecological balance is disturbed and the infrastructure is poorly developed.
Because of this, the life expectancy of citizens is low, and therefore the pension threshold is low. Read also: Pension reform for employees of the Ministry of Internal Affairs in Russia In Russia, pension standards are established for citizens age limits that determine retirement. The largest old-age pension in the world or where retirees can live well? Citizens in Denmark are also required to work longer than everyone else. Here, for everyone, there is a restriction on taking a well-deserved rest.
Both men and women living in Denmark go on holiday at age 67. Germany should be included in this list. Retirement ages around the world tend to be different for men and women. female half society.
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Not only are the payments higher than in many countries, but living expenses allow retirees to live well: utilities, telephone, travel, cable TV, Internet and food costs will total about 1/3 of the pension, which is why many people come here Americans while away their old age.
- Panama – here a luxurious pension is provided for a family of 2 people. Less than half of this amount goes to pay for services, accommodation and food.
- Ecuador – This country has cheap real estate, rent and other related costs, so older people are happy with their retirement.
- Israel – quite high level Pension payments come with a large number of benefits.
Many pensioners, leaving for a well-deserved retirement, do not suspect that, having lost their main, sometimes significant, earnings, they are practically left without a livelihood, since the amount of pension payments is impossible to afford not only the desired rest, but also basic things: buying food , medicines, utility bills, telephone, etc. This involuntarily raises the question: which country has the largest pension in the world, and what place does Russia occupy in this ranking?
A similar situation can be seen in many countries, as this is a global problem. It is associated with a demographic decline that can be traced over many decades. It leads to a reduction in the number of working-age population, for whom employers pay pension contributions for the maintenance of existing pensioners.
Governments around the world are currently reshaping their pension systems. The main direction of the reforms is considered to be a focus on increasing the retirement age. There is a rational grain in this, since many pensioners, having retired, continue to work - which means they still have health reserves for this.
Will pensions for working pensioners in Russia be indexed from January 1, 2017, you can.
Their experience and skills cannot be compared with what young specialists come to production with, so smart managers successfully use this reserve.
Parameters that determine the well-being of retirees around the world:
- starting pension amount assigned by the state;
- the presence of periodic indexation of pension payments taking into account inflation;
- benefits for pensioners that they have, regardless of the size of payments;
- retirement age, which is set taking into account life expectancy in the country, the size of the consumer basket, and standard of living.
Countries where pension reforms occur taking into account at least part of these indicators, are in the forefront of the ranking of countries with the highest pension payments and prosperous pensioners.
Pension ranking in Europe
| № | A country | Retirement age | Pension amount |
|---|---|---|---|
| 1 | Denmark | 65 | $2800 |
| 2 | Finland | 65 | $1900 |
| 3 | Norway | 67 | 9500 CZK (50,000 RUR) |
| 4 | Czech | 58/61 | $1000 |
| 5 | Germany | 65 | €810 |
| 6 | France | 60 | €500 (RUB 20,000) |
- Denmark is a Mecca for retirees. Many Europeans seek to receive a pension in this country, having worked there at pre-retirement age.
- Finland – here pensioners do not know the maximum amount of pension, since its size depends on how many years a person worked and how much he earned. If a citizen does not reach the minimum, the state will pay him extra. Find out more about the pension amount at retirement age in Finland.
- . The country has the highest retirement age, but the pension inspires confidence in comparison with other European countries. But taxes are very high here. The standard of living is considered high.
- Czech Republic. Given the low age limit for retirement, the size of the pension allows pensioners not to live in poverty. The grocery basket and payment for services take up approximately 50% of income.
- Germany. ¼ of the population are pensioners. Minimum pension the state pays everyone without exception, even emigrants. All pensioners are guaranteed payment of utilities and 56 square meters of housing per person. About what the retirement age is in Germany now.
- . The principle of calculating payments is similar to how it is done in other European countries: The more experience and earnings, the higher the pension. The country plans to raise the retirement age to 65 years.
Rating of pensions in other countries of the world
| № | A country | Retirement age | Pension amount |
|---|---|---|---|
| 1 | Mexico | 65 | $ 2129 |
| 2 | Panama | 65 | $1865 |
| 3 | Ecuador | 65 | $1415 |
| 4 | Israel | 67 | $1084 |
| 5 | Malaysia | 65 | $1000 |
| 6 | USA | 65 | $ 800 |
| 7 | Japan | 65 | 66,000 yen, (21,000 rubles) |
| 8 | Russia | 55/60 | $285 |
Brief description of pension amounts in some countries
- Mexico is a country of contrasts. There are a lot of poor people here, a lot of rich people. Not only are the payments higher than in many countries, but living expenses allow retirees to live well: utilities, telephone, travel, cable TV, Internet and food costs will total about 1/3 of the pension, which is why many people come here Americans while away their old age.
- Panama – here a luxurious pension is provided for a family of 2 people. Less than half of this amount goes to pay for services, accommodation and food.
- Ecuador – This country has cheap real estate, rent and other related costs, so older people are happy with their retirement.
- – a fairly high level of pension payments is accompanied by a large number of benefits. In addition to this, at the time of retirement, all citizens are given a large lump sum, which is calculated from the average income of the employee multiplied by the number of years of service.
- Malaysia – the amount of payments is intended for married couple. You can easily live on this amount, since food prices are low and the cost of services makes up 1/3 of the pensioner’s total income.
- USA - in a country of developed capitalism, the formula for calculating pension payments comes down to the fact that everyone who worked tirelessly will not be poor in retirement. Thrifty Americans earn their right to comfortable old age, its size can reach amounts exceeding the standards. Also read,
The success of the pension system in any country depends not only on economic calculations, but also on other factors. For example, the area of the occupied territory and, accordingly, the number of population are decisive when it comes to the number of employed people in different areas of the economy.
Working citizens are a source of funds entering the budget, from which deductions go to Pension Fund. The standard of living of people has a great influence on the living conditions of older citizens, regardless of the size of their pension. But the aging of nations can be seen inexorably throughout the world, so governments are today intensively engaged in reforms of their pension systems, based on modern conditions.
In times of crisis, the situation with the low standard of living of pensioners will not improve in the next 2 years, as economists predict. Starting from 2018, the factor will gradually begin to operate, but stability is still far away.
There is a certain conventional unit that is used in economic calculations in many countries - the aging index. It includes 4 directions:
- Creating favorable living conditions.
- Guarantee of stable and high income.
- Level of development of healthcare and education.
- Employment level.
It is believed that the nation's aging index will rise in parallel with how low the standard of living in the country is, so governments have something to think about.
Retirement is often called the golden age. This is understandable - the children are already adults, you don’t need to work anymore - relax and enjoy life... But can we call such a time “golden”, when the size of the pension is barely enough for food, which is probably familiar to most Russian pensioners. In 2017, in anticipation of two indexations of pension payments and after 5 thousand lump sum compensations, the country's top management announces growth real pensions by as much as 2.1%. Although, for last years, due to serious economic shocks, Russian pensioners Haven't seen anything like this. Thanks to him, the average pension in Russia should increase to 13.5 thousand rubles.
Judging by the standards, quite serious money - living wage for a pensioner for 2017 is determined in the amount of 8,540 rubles. Based on this, it would seem that they should have enough not only for food, but also for other needs, for example, for a trip to the sea, like the Germans, or for a trip around Europe, like the Danes. Meanwhile, not all Russian old people receive pensions that reach the average, and therefore they have to continue working after 60 or barely make ends meet. And what do foreigners who have gone on a well-deserved retirement have enough for?
Germany: a country of pensioners
The number of pensioners in Germany is comparable to the number of pensioners in Russia - 25% of the population is over 65-67 years old. If the German did not manage to earn the minimum seniority, he still receives an old-age pension of about 20 thousand rubles. In addition, the state will pay rent and utilities for it. By the way, it is not customary to buy housing in Germany - the rights of tenants are well protected here, and renting an apartment or a small house itself costs 200-500 €. The average pension in Germany is about 73 thousand rubles, which is about 1080 €, so a decent shelter is enough for monthly rent. Interestingly, those Germans who have worked all their lives (40 years of experience) have much higher pensions of 1500-2000 €.
In addition to housing, the monthly expenses of a German pensioner include medical insurance of about 150 €, garage rent - 40-50 €, food - 150-200 €, and other small expenses. Pensioners in Germany spend virtually no money on medicines and treatment – most are covered by insurance- here you have medical services, necessary medications, and even complex operations, such as hip replacement or kidney transplantation. Despite this, it is not customary for pragmatic Germans to be “chic” - the money left over from retirement is put aside into bank accounts, plus there is still enough for a vacation - to “budget” Spain, to soak up the hot beaches; pensioners can afford to go 2 times a year. Plus, traveling around Europe.
Denmark: retirement paradise
Danish pensioners are probably the happiest pensioners in the world. In Denmark, the welfare of pensioners is officially recognized as the main priority of the nation, which cannot but affect their lives. The Danish elderly feel even better than the working population – with an average pension of at least 2000 € or 120 thousand rubles, they can afford anything. In addition to these funds, most of them have their own savings or participate in non-state pension fund programs, which only increases their income. The Danish government's policy is that pensioners should be as autonomous as possible, so they are paid high pensions, try to popularize sports activities, and entertain them in every possible way with only one goal - so that they end up in local state-funded nursing homes as soon as possible.
In addition, every municipality has a public organization called “DanAge” - its members are engaged in protecting the rights of pensioners, and it is customary to take it into account. As for the expenses of pensioners: prices in Denmark are quite high, but old people dress decently without any problems, visit entertainment venues and lead a life “for their own pleasure” - we are not talking about food. Nevertheless, the high cost of housing and utilities forces the Danes to travel frequently - they can easily afford to live for a couple of months on the Mediterranean Sea or in the capital of one of the European countries.
Poland: you can earn extra money
Poland, of course, lags significantly behind advanced European countries in matters social security pensioners, but she is definitely on the right track. Thus, the average pension of Polish elderly people is about 450-500 € (about 1500 zlotys), which in rubles is about 27.5 thousand. For Europe, the money is not big, but it is quite possible to live on it, even if you are in the capital or other major cities. So, like Russians, Poles live in their own houses and apartments - paying for utilities takes no more than 15-20% of their pension. Food takes about 600 zlotys - food prices are quite low in Poland, so food takes up a maximum of half of your pension. The remaining money is gifts for grandchildren, health (insurance here, as in Russia, is not very common) and other household needs.
If the pension amount is below PLN 1,500, there are benefits for such pensioners: the state specifically helps with paying for utilities, medicines, food, travel and other benefits necessary for an adequate existence. In addition, in the mid-00s, Polish pensioners were allowed to officially work, and now their opportunities have seriously expanded - traveling around Europe has become standard in their everyday life, because Schengen opens up a lot of opportunities for them. Given the opportunity to earn extra money, many people receive a high enough total income to allow them to save money.
USA: for those who worked
American pensioners don’t complain much - even those who do not have a year of work experience and have remained able to work all their lives receive minimum benefits of about $300. If you have any experience and regional additional payments - already twice as much. Payments for those who worked throughout their lives start at $800 - such pensions for former representatives of ordinary professions and all those whose salary was not higher than $3 thousand. Workers with a higher salary scale, $5-7 thousand, already receive an average pension, the amount of which is $1.3 thousand or 85 thousand rubles. The highest pensions are received by representatives of honorable professions, for example, military or government officials, former pilots or doctors.
The life of pensioners varies along the same grid - some live in rented apartments, some are in nursing homes, while others can afford their own home and a pretty decent car. Food is relatively cheap, and for those on low incomes... In addition, pensioners can count on discounts and promotions in local retail chains. As for medical care, it is quite expensive, but saves pensioners Government program pensioner insurance, which applies to most old people.
Japan: growing old outside the city
The Japanese are far from the most spoiled social policy people.
Pensions here are not the highest, but much higher than in other countries in the region. The average size pension payments are about 65 thousand yen or 37 thousand rubles. Most city pensioners live in their own apartments - utility bills usually cost 15-20%. Those who did not manage to find their own apartment prefer to live outside the city - rent costs a little more than even the pension itself. Housing for pensioners outside the city costs 20-30 thousand - there is some left over for other needs. Meals, depending on appetite, cost 10-20 thousand yen, which again has regional characteristics.
In retirement, the Japanese often work part-time - they can often be found as taxi or public transport drivers, as well as salespeople. In addition, many people practice retiring later than 70, for which they are entitled to an increase in their pension. Only wealthy pensioners allow themselves to travel - the majority do not leave Southeast Asia. Recently, the practice of moving to the neighboring Philippines or Indonesia has also appeared - even the average Japanese pension is enough there so as not to deny yourself anything.
Bulgaria: you won’t envy
Bulgarian pensioners are frankly not to be envied - Bulgaria has the lowest standard of living for older people in the entire EU.
According to Eurostat, 51% of pensioners experience serious financial problems, and about a third simply live below the poverty line. If in many EU countries there is some kind of economic inequality, which is, in principle, typical for any country, then in Bulgaria we are talking about the impossibility of maintaining a minimum level of living standards. Thus, the average pension in the country is 120-130 €, which is about 8-9 thousand rubles. Only a few here can think about any truly dignified “European” old age - the majority live in their own homes and barely make ends meet.
Bulgarian pensioners often have to deal with social isolation and alienation. C Food prices are 30-40% lower than in Russia, due to which pensioners survive. Just like utilities - water and electricity are significantly cheaper. Many who live in the resort area make a living by renting housing and selling it to tourists. However, as everywhere else. In general, many Russian pensioners who went to live in Bulgaria feel quite comfortable. But not the Bulgarians themselves.