Sustainability of pension systems and the role of additional pension insurance

Javni pokojninski sistemi v razvitih državah doživljajo vse večje pritiske zaradi demografskih sprememb, predvsem zaradi upadanja rodnosti in staranja prebivalstva. Čeprav noben pokojninski sistem na svetu ni popolnoma enak, se v večini razvitih držav soočajo z enakimi izzivi. Slovenija pri tem dogajanju ni nobena izjema. Povprečen Slovenec bo pokojnino prejemal okoli 20 let ob upokojitvi po trenutni pokojninski zakonodaji. Ob pričakovanju upokojitve baby-boom generacije in krčenju aktivne delovne sile se sprašujemo, ali je trenutna zakonska ureditev pokojninskega sistema pripravljena na dodaten pritisk. Z vedno nižjimi pokojninami iz naslova javnega pokojninskega sistema in ob zaostrovanju pogojev za upokojitev bo pomen dodatnega pokojninskega zavarovanja še večji. Njegov vpliv oz. obseg se je povečal že z pokojninsko reformo iz leta 2012. Delovno aktivna generacija, ki vlaga v obvezno pokojninsko zavarovanje, ima pravico, da se odloči za vlaganje v sklopu dodatnega pokojninskega zavarovanja (ali za obliko kolektivnega ali individualnega dodatnega pokojninskega zavarovanja). Vedno več Slovencev je vključenih v različne pokojninske načrte. Dejstvo, ki se ga moramo zavedati je, da bo današnja aktivna generacija jutri upokojena in na njej je, da si z vlaganjem v dodatno pokojninsko zavarovanje zagotovi željen življenjski standard, saj ji bo država v sklopu javnega pokojninskega sistema skušala zagotoviti le osnovni življenjski standard.Public pension systems in developed countries are experiencing increasing pressures due to demographic change, mainly due to declining birth rates and aging populations. While no pension system in the world is exactly the same, most developed countries face the same challenges. Slovenia is no exception to this. The average Slovenian will receive a pension for about 20 years upon retirement under current pension legislation. As we look upon the retirement of the baby-boom generation and the shrinking of active workforce, one wonders if the current pension system regulation is ready for additional pressure. With lower pensions from the public pension system and tightening of conditions for retirement, the importance of additional pension insurance will be even greater. It\u27s influence or scope has already increased with the 2012 pension reform. The active generation investing in compulsory pension insurance has the right to choose to invest in supplementary pension insurance (or in the form of collective or individual additional pension insurance). More and more Slovenes are included in various pension plans. The fact is, we need to be aware is that today\u27s active generation will be retiring tomorrow, and it is up to it to invest in additional pension insurance to achieve the desired standard of living, since the state will only seek to provide it with a basic standard of living within the public pension system