斯洛伐克共和国养老金制度中养老金储蓄的现实和期望

IF 0.4 Q4 ECONOMICS
Peter Sika, J. Vidová
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引用次数: 0

摘要

作者的目的是对斯洛伐克共和国目前的养恤金制度提供一个关键的统计分析观点,特别是关于其15年存在的老年养恤金储蓄,从而提出调整其运作的建议。它包括对养老金体系可持续性的分析,对储户年龄分布的分析,以及储户可能的投资策略和他们在养老基金中财产储蓄的分布。我们建立了一个养老金储蓄参与者的投资策略模型。我们提请注意对养老基金存在期间的养老金储蓄进行评估,并量化储蓄者不适当的投资策略所造成的潜在损失。分析表明,斯洛伐克的养老金储蓄参与者主要投资于保守的养老金资产,短期内波动性较低,但从长期来看可能不是最优的。为了实现变革,我们还概述了改变储蓄者重视其储蓄的态度的可能性,并提出了有助于确保养老金制度的财政和社会可持续性之间的平衡的改革步骤。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Reality and expectations of old-age pension savings in the pension system of the Slovak Republic
Abstract The aim of the authors is to provide a critical statistical-analytical view of the current pension system of the Slovak Republic with special regard to old -age pension savings in its fifteen-year existence, resulting in proposals for adjustments to its operation. It includes an analysis of the sustainability of pension systems, an analysis of the age distribution of savers as well as possible investment strategies of savers and the distribution of their property savings in pension funds. We model the investment strategy of a participant in old-age pension savings. We draw attention to the evaluation of old -age pension savings in pension funds during its existence and quantify the potential loss caused by an inappropriate investment strategy of savers. The an alysis showed that the Slovak participant in old-age pension savings invests mainly in conservative pension assets, which bring low volatility in the short term, which may not be optimal in the long run. In order to achieve change, we also outline the possibilities of changing the attitudes of savers to value their savings and propose reform steps that would contribute to ensuring a balance between the financial and social sustainability of the pension system.
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来源期刊
CiteScore
1.40
自引率
0.00%
发文量
10
审稿时长
38 weeks
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