I take as a given, even as creeping, which says "pay the pension contributions made by young people) ... ... giving an impression that the old did not pay enough for their retirement.
The calculation is quite complicated because of factors come into play and re-evaluation of income difficult to explain in simple ... ... .. but I'll try to explain it briefly with an example.
- An employee started working in '65
- retired in 2002
- His first annual salary is € 330 gross (equivalent to 40,500 pounds gross month)
- The latter is 20,200 € gross (€ 1,555 € 1,213 € month gross and net monthly)
- retire with about 1140 € gross mese (pari a 892 euro netti mese)
I contributi versati (pari al 32.7%....... fonte INPS) dal ’65 al 2002 formano un monte finanziario che, a scalare, per 38 anni si rivaluta
Ora, togliamo dal versato circa il 19%, annuo che serve all’INPS per i suoi costi (teniamo conto che un impresa privata ha mediamente un costo del personale che pesa circa il 12% del fatturato.
Per consumare il suo versato in 38 anni di lavoro, può percepire la pensione fino al 2025 lui, e fino al 2041 il coniuge superstite (reversibilità della pensione al 60%) senza pesare su nessuno, poiché il versato negli anni è ampiamente bastante.
Naturalmente i calcoli esposti parlano an average position ... ... ...
not take account of pensions BABY - Gifts inefficiency - of pensions to those who do not have the right (eg false invalids) etc.etc.
Thus, a management NORMAL INPS would not have led to the demolition ... ....
If Social Security is now having to pay pensions to the profitability of the old contributions, but with the contributions paid by young workers today, this is the result of poor (and patronage) MANAGEMENT ... ... ... ..
My exposure, also wants to show that, starting, even now that seems a bit late, good management INPS There is possibility that in a number of years is not too high (the number of years depends on the size of the hole), we can bring this institution to less dramatic moments ....... some later begins ........ the harder it is .......