In January, the Social Insurance Institution published a report for the coming years. According to them, in 2061, there will be as many as 806 retirees per 1,000 people of working age. By 2080, this number will increase to 839. The forecasts regarding the amount of the benefit received are also pessimistic. As Business Insider notes, current 20- and 30-year-olds can receive pensions of about 25 percent. salary. – The pension from ZUS will be at the level of the lowest pension. Think about whether you could live on $1,000 right now. PLN 588.44 gross – Antoni Kolek, president of the Pension Institute. That is why it is worth taking care of savings now that will allow you to live with dignity in retirement. What do the experts advise?
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How to live well in retirement? Experts advise: above all, save
– There is no one miracle recipe – points out Bartosz Marczuk, vice-president of the Polish Development Fund, in . It is worth being prepared for a longer professional activity and start saving. The sooner the better. Even small amounts deposited regularly into a savings account or an Individual Retirement Security Account will allow you to collect an amount that will be a financial security. As Business Insider calculates, putting aside PLN 100 every month for 40 years will allow you to collect PLN 48,000. zlotys, which with an interest rate of 5 percent. will get 120,000 This gives you PLN 1,000 more for 10 years. According to experts init is also worth considering using Employee Capital Plans. Systematic deposits on the Individual Retirement Account or the already mentioned IKZE in turn, it will allow you to avoid Belka’s tax and reduce the tax in the annual PIT settlement.
As experts note, it is worth distributing in different ways and not keeping all the money in one place. What do they recommend? Mutual funds, bonds or, for the more savvy, stocks can help with your long-term saving goal. They also point out that, despite not very optimistic forecasts, you should trust ZUS i ensure that your employer pays your pension contributions as early as possible.
How to avoid problems in retirement? Unusual expert advice
What else, according to experts, is worth taking care of? “Children can be a kind of security in our old age. Of course, you can’t think that children will support us – Bartosz Marczuk points out in an interview with Business Insider. Help is not always helpful.
Source: Gazeta
Bruce is a talented author and journalist with a passion for entertainment . He currently works as a writer at the 247 News Agency, where he has established himself as a respected voice in the industry.
