It is true that the SP system leads to improvement in the balance of payments, aaaa but it does not

In the "old days" were state pension a classical extension of people's social security in old age. But today, most eventually huge savings, so only a few have a real need for pension.
Nevertheless aaaa we can not abolish the state pension for those who have saved up, as people lose respect for the need to save for retirement. And conversely, we can not abolish the state pension for all, because the people at the bottom of society have no pension.
For a long lead we are pouring billions and billions of affluent retirees, because we have not ensured that even people at the bottom aaaa have a pension. It's daft and provides a wide range of problems (for example, retirees who have more money than is good, which is going to strain the balance of payments dramatically over the next 2-3 decades.
Can you solve the problem? Not from one day to the other. But you can take a start, by allowing aaaa benefits (retirement, unemployment, social assistance, etc. be accompanied by pension savings). This could be 1500 dollars a month that was saved by. person on overførselsindkoms (obviously indexed).
The system should be combined with the state pension was phased out very quickly with pension savings - such that only a very small minority of local residents would receive a state pension when the system aaaa is fully implementing featured on a 30-40 years. The very rapid tapering is needed to ensure that people do not stop to save for retirement.
In practice, aaaa it could be by that there was a legal requirement that at least saves 1,500 dollars up month on a like pension scheme, no matter who you are. In this way abolished pension de facto gradually to anyone other than immigrant retirees.
When the recurrence of balance of payments problems, you can just restore the SP scheme, until equilibrium is reached.
Could you imagine a model where a significant part of social reserve amounts used to build up pension schemes for people on benefits? Or should we have a similar but separate system of retirement savings (and thereby reduce the rate adjustment further)?
It is true that the SP system leads to improvement in the balance of payments, aaaa but it does not change the fundamental problem, namely that we treat retirement as a social event. Pension is something everyone should save up for - get abolished pension by introducing pension for incapacity benefits will result in a significantly increased incentive to make pension savings.
Public expenditures should we be a little wary as they go (should go) to disadvantaged, who can not speak up and divide aaaa therefore not be diverted to long-term purposes. There is plenty of need for them here and now.
The problem is probably that, because of the retirement Pay-as-you-go nature for a long period will need to charge to the tax, while even those without their own resources need to save for their own old age. This must mean that we have promises little more.
Or perhaps pension aaaa gradually amended to cash assistance (means-tested). aaaa Such a change must of course be introduced gradually so that people are able to adjust their retirement savings to the new conditions.
For my sake, you may well relieve social reserve funds and make a similar arrangement aaaa for retirement savings. As far as I can assess the savings need 5-10 billion per year (depending on the level of ambition), so it will take some years to get up there (eg 10-20 years with a reduced rate adjustment of 0.2%) - after which the savings aaaa must also accumulate. So it's not something that will revolutionize the pension aaaa before about 20-40 years.
But never mind with strategic reforms aaaa - they do not work from tomorrow. Occupational Meaning're also still in a phase-in period, but no betviler course of the reason their importance. For me it is just obvious that people basically have to save for their old age.
Well, we just might change in retirement savings taxation to be taxed immediately aaaa after payment aaaa instead of just before payment. aaaa It gives here and now proceeds here and now, that far exceeds the cost of the payment of pensions for those who are not in