Reality shows that retirement system state faces one Structural crisis that threatens the well -being of those who withdraw from working life. Factors such as population aging, the increase in independent workers with minimal contributions and Chronic de -financing They evaporated the sustainability of the system.
The informality and explosion of monotributistas and autonomous workers fed both from the State and from the private system, it makes the retirement ages, More than 85% of people fail to gather 30 years of contributions because the employers did not make those contributions and did not contribute those who worked on their own. And if they do, unless they have any of the 200 privilege regimes, their income will have limited to values away from their expectations and daily needs.
The expiration of the deadline for the pension moratorium ended with the possibility of accessing retirement for those who do not have the corresponding contributions made. This measure has an impact on 240,000 people. And it highlights another chapter of Inoperative Argentine system that has been decades ago, regardless of the sign of the politicians on duty to those who will touch the responsibility of administering the pension system.
Benefits of long -term financial planning
So far just a painful and cruel brushstroke that impacts the entire pyramid of society. Now, what signal do we give to those millions of people so that, in fullness of their daily activities, being public, private and/or entrepreneurs or monotributistas employees can have a Different withdrawal than the state system offers to his parents and grandparents?
Given this reality, there is only one exit door: the financial education, that understood from an early age, becomes an essential tool for each citizen Plan your retirement with autonomy and forecastaccording to your own life model, your needs, your expectations and your forecasts.
It is always possible, but without a doubt, how before the process begins, the more its result is enhanced. A key generation is the so -called Silver involving over 50 years, According to the studies, it represents today 40% of global consumption as long as the impact deepens and reaches 50% in 2050.
Savings and investment strategies for retirement
In countries with solid pension systems, the Financial education is a state policy. Citizens learn from young people how manage your income, invest efficiently and diversify your savings. For the Argentine mentality, it is about challenge with modern, professional and consistent tools, to the classic dollars of dollars in the mattress and/or assets in bricks.
There are several instruments in the financial, transparent, regulated and valid market, which can help workers plan their retirement intelligently, such as: Common investment funds (FCI); bonds and actions; private retirement plans; Financial dollar and international assets.
Take informed decisions through advisors of recognized experience and professional knowledge In these areas it is essential to avoid depending exclusively on a retirement system that neither yesterday, neither today nor tomorrow can guarantee stability nor sufficiency.
The Argentine pension system It needs a structural reform to guarantee its sustainability. However, regulatory and legislative changes may take years and Citizens cannot stay with cross -eyed waiting solutions.
There is no magic here. It will not be possible to trust that the false illusion of a benefactor state, which as has happened for decades, through broadcast, ends up placing in our hands, papers with values that evaporate daily for inflation.
We must assume that Each must articulate their own destiny through personal decisionsbased on the Smart savings where financial education is the first step for each person to take control of their economic future and ensure a decent retirement.
Managing Director of Pension & Benefits (P&B) of Criteria, for Latin America
Source: Ambito
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