What is the freeze of pension savings, how did they make this decision, and what will it lead to?

Alas, now the Russian Federation is notthe best moment of its existence. This affects a number of government decisions. Here, for example, for a long time the pension savings are frozen, and, judging by everything, it will be active for a long time. What it is? How will the pensioner freeze the pension savings now and in the future? And how can this affect us?

What are funded pensions?

Before considering what is freezingpension savings, it is necessary to determine the terminology. In fact, this is real money, which can be used by a specific person. The size of the future pension is directly dependent on their amount placed on the accumulation account of each individual. Given that the insurance was equated to the points and now depends directly on the size of the pension fund's budget, you can expect that together they will be able to create a sufficient pillow of financial security when reaching the retirement age. In addition, such an option, which is legislated, allows you to know the approximate level of payments for the future. If everything is transferred to an insurance pension, it will literally be impossible to calculate how much payments will be made in the long term.

What is the freezing of pension savings in practice?

This means that the money that should have beengo to the funded part, will go to cover the costs of the budget of the Russian Federation and its subjects. The law on the freezing of pension savings was first adopted in the autumn of 2014. As you can see, the less money you get at the expense of each particular person, the less he will receive them later. But about the minuses (and, no matter how strange it may seem, the relative advantages of such a solution) will be told later. Now let's talk about what was taken as the basis of this decision.

What was the basis for this decision and what will be the effect

As you know, the Russian Federation is no longer the firstyear is under sanctions. The budget has significant problems, and for someone's account they need to be addressed. As a response to the challenge, they took and collected the funded part of pensions. What can be expected from such a decision? At a minimum, the economy will not be able to receive approximately 800 billion rubles. If accumulative money does not come to the market, then the imposed sanctions will hit the state with considerable force. In the opposite case, they can act as a shock absorber of the situation.

If you create a complete picture, you needconsider everything since 2002. After all, when the opportunity for an integrated approach was created, many people chose a funded pension fund, as well as various private management companies (which, incidentally, did not receive significant distribution). As a result of the actions of the state, the credit of trust is now exhausted, which makes communication from the standpoint of cooperation problematic. In fact, before, citizens, having invested money in the accumulative part of the pension, made it clear that they believe that their means will be beneficial, will be useful, and thanks to effective management they will be able to receive more maintenance in old age. Now such confidence is lost. So we know what the frost of pension savings is, and what if we consider everything from the point of view of "not useful", and what about the decision of the authorities?

pros

They are more pleasant, because everyone likes to talk aboutgood things. Summarizing, it should be reported that objects of social infrastructure (such as kindergartens and schools) will be built, social benefits will be paid and a number of other useful public actions will be carried out. This step will avoid delaying payments to state employees. Police, firefighters, doctors, teachers will receive wages and perform their functions.

Minuses

That's true, all this will not be forthe account of money that came from the state or local budget, and from the accumulative part of the retirement savings of all working people. Of course, this practice was carried out earlier in many countries and quite successfully, but, as a rule, these are isolated cases that went to support the real sector of the economy. That is, for the economy, this action is not very useful. Funds previously transferred to the accumulative pension fund were previously invested in the stock market. But when foreign markets closed, the outflow of capital began to take place in a significant amount. How does this affect the stability of the situation?

Let's look at this example: now private and state banks can borrow less money in the stock markets. Accordingly, they will be more meticulous about individuals and legal entities, there will be more refusals to buy things (creating incentives to buy something) and to implement new projects. And what they give out, they will do it at a higher rate than now. And buy a refrigerator or TV on credit now will cost much more than three years ago. But in the modern economic system, it is difficult to do without loans. They serve as a kind of "steroids" for the economic sector - it grows, and with it the wages and welfare of the population of the state.

The problems that arise in this case

What are the possible consequences of the freezing of pensionsavings? The problem with lending was considered, but it is not the only one. Another, perhaps even more, is that due to the inefficient use of funds, the level of citizens' trust in power falls, and let's look at the example of APF.

The freezing of pension savings, and,accordingly, non-receipt of money will seriously affect the number of citizens that they want to use its services. So, in 2014 it was announced that the freeze of pension savings will only now. It has been a long time, and we can observe that this promise is still theirs. The authorities slukavila and changed its decision. Also, the introduction of new provisions with a low level of trust allows one to speak of an even greater suspicion on the part of civil society. So, earlier people who were younger than 1967, in the funded pension were asked to keep money. Their number depended on age, working length and other various factors. Now they were replaced by points. Earlier, a citizen could know that his insurance part has 10 thousand, and accumulative - 5. There is a complication, and due to the fact that it was not explained properly - again it causes suspicion what and how.

Let's at least within the framework of this article deal withnew system. The fact is that one point provides a certain amount of money. It is only the legislation of the Russian Federation that causes considerable concern. So, let's say, one point now is a hundred rubles. But tomorrow - only ten. The use of scores is quite popular in the world - so, like Switzerland, France and a number of other states. It's only our power changes that do not inspire an optimistic future in this way. But there is a fact - the freezing of pension savings. The responses of ordinary citizens can tell us about this decision:

1. Dissatisfaction with the general state of affairs.
2. Lack of support for decisions that adversely affect pension and its size.

Conclusion

We think, questions about what is freezingpension savings, there is no more left. Well, now we can assume that the goal has been achieved. Readers know what the pension reform is.