The purpose of
essay is analysing the current situation with
pension Suggestion
a pension system
the pension system
pension systems
of our
and defining advantages and disadvantages of it. The essay
will provide information about what the
is,
will give information about
in Kazakhstan,
I will share my opinion and tell you about the pros and cons of
in our
.
The
is a set of legal, economic, organizational institutions and norms that aim, under certain conditions, to provide material support for citizens (usually the elderly) by paying them a
. There are several types of
systems in the world and they are divided by some attribute
as depending on the government’s participation (public, private, mixed type), on the principle of accumulation (solidarity, funded, provisionally funded).
In my lovely
we have a
that depends on your saving. Basic
provision is provided by the state in the form of a basic and
, funded by tax revenues in the budget. The
level includes mandatory 10% employee contributions and mandatory occupational
contributions of employers in the amount of 5% of the income of employees engaged in dangerous working conditions. And the
level consists of individual and corporate voluntary
contributions.
Now let’s move to the pros and cons based on my opinion. Accumulative
motivates people accumulate personal savings and self-provision their own old
, establishing the dependence of the size of
payments from contributions and investment management.
, the problem is that current employees have a very small amount of salary from which
contributions are paid to the
fund. If the share of low-paid workers does not decrease,
the number of future pensioners who have not earned a decent
will be as large as the number of low-paid workers. The poverty of employees is transformed into the poverty of pensioners without stopping. The other problem is the savings are actually greatly devalued in dollar terms and at the moment the
is melting along with the value of the national currency. The Tenge exchange rate is very dependent on the price of oil and even with its stable value the rate dives down.
Due to lack of experience and knowledge in the field of
provision I asked my mother who is a pensioner what she thinks about
. It was kind a research. She said that there are more negative statements than positive in
. I’ll start with the negative. She said that some pensions are so small that they sometimes do not have enough for food, and because some have to provide for their entire family with their
. Of course,
will not be enough for a few people. People have to
after
to feed their family and as often happens, they are not hired because they have reached
. There is
the problem of
. With each adopted reform, they increase
and at the moment women in Kazakhstan must reach 63 years of
to retire. What about nurses who have to
until they are 63 years old, many people have poor eyesight since they are 50 years old and nurses need good eyesight to do their job well. Given the
of mortality in our
and the
of
many questions arise. The older generation does not get their
for long. In other countries, people often travel after
,
can be noticed if you have been abroad. And our people do not travel they cannot afford to go to the city and do not get out of their villages. Foreign pensioners enjoy their lives when our pensioners are poor and fight for food. Old
is needed to enjoy the rest of your life, not to survive in our reality.
, positive arguments. She said that the good thing is that our
payments are still in comparison more than in Russia since her relatives live there and receive pennies.
, we have some privileges for large children, disabled people, and so on.
At 18,
question is not critical.
it's worth thinking about. And it is worth it at
, because in fact, all my life I will
for my old
, my future
. I will not talk about how my
will be formed, because as long as I carry out my
and
experience, everything may change more than once, but I hope that at the same time the attitude of the state to people will change.