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When I start writing this post, it seems that the wind and rain are spreading and eliminating pollution, the result of the anticyclone surrounding beret or helmet is the main English cities. At the same time and as an introduction to a series of posts where we're reeling in more detail each of the items set forth in this otherwise clean beret hanging over pensions and their future. First, we must distinguish between issues related to our pension system and those that relate to retirement. Pensions in Spain are based on a model that has some features that at least should be reviewed and that it does not seem to be putting on the table.



1 .- Our model of French state court makes our public pension system is based on the ideological principle that management monitors the distribution of wealth beyond the productive period of the worker. That is why what is called systematic contribution groups have been homogenized so that today's bumpers are identical for all groups in the maximum trading. This is discrimination against those with higher salaries, as the system moved by such an approach does not allow the possibility of contributing to the system above the maximum. This entails that the State also limited in that sense its revenue mainly in periods of economic growth and rising salaries. The consequence is that workers are less chance of maintaining the purchasing power after retirement.



2 .- In the system of private pensions, there are basically two models namely

a) defined benefit plan guarantees a certain amount when it materializes. Ie you know the amount that should be available at the time of retirement or similar measures. This system was widespread in the Anglo-Saxon companies.

b) Defined contribution, here the employee what he does is provide a specific amount and what is not known is exactly the amount you receive upon retirement, everything will depend on the markets and the evolution of profit (interest) you get the plan. This model is being imposed to the former especially great risk and uncertainty posed by the first moments of high volatility or crisis. English
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Our model does not obey any of the previous two models, because the worker's contributions are not intended to pay "their" pensions but to pay the current needs. Hence, the contributions we make to ensure our public system and not a specific amount but not even to collect them. To put it crudely, our contributions contributions are not for us and if it breaks the system the possibility, remote but possible, that does not charge any pension.



3 .- The lack of incentives for private pension plans, this section should be highlighted several reasons for this. The first is that sociologically the English State is hoping to continue acting as a parent and a caregiver be adequate for what you do not need to supplement their pension as the State certainly has the solution. Second, the lack of tax incentives and low profitability of the plans are that the amounts and the number of participants is much lower than what is desirable with what this has a perverse effect on expectations future of public pensions.



4 .- The lack of clarity of the contributions and employer contributions and employee to determine what part of them is destined for pensions, public health systems, unemployment, etc. .. This means that it is difficult to identify whether the state is adequately managing these resources. Also not the individual has no control over the decision of where to spend their contributions.

These are four of the berets that are polluting the decision-making and others that we will be addressing, if not a reflection of more depth on a profound transformation and free of ideological or political dyes go down the wrong path.