PROSTOVOLJNO DODATNO POKOJNINSKO ZAVAROVANJE - Čurič, Barbara (B. Čurič, 2012)
Slovenija je ena tistih držav, kjer je staranje prebivalstva neizbežno dejstvo. S sredstvi, ki jih združujemo na podlagi medgeneracijske solidarnosti, upravlja država, ki tudi določa pogoje za upokojitev ter količnike, po katerih se posameznim upokojencem dodeljujejo in izplačujejo pokojnine. Reformo pokojninskega sistema poleg drugega in tretjega stebra predstavljata še dve pomembnejši dejstvi. Pokojnine iz prvega stebra se bodo postopoma zniževale, kar bo za mnoge bodoče upokojence pomenilo, da mesečni prejemki iz prvega stebra ne bodo več zadoščali za dostojno življenje (to zmanjšanje bo potrebno nadomestiti s prejemki iz drugega ali tretjega stebra), hkrati pa se daljša delovna doba in povečuje minimalna starost ob upokojitvi. Oboje pomeni zaostrovanje pogojev pokojninskega zavarovanja v prvem stebru, kot nadomestilo pa predvsem drugi steber nudi ugoden in organiziran način dolgoročnega varčevanja za starost. Pri posameznikih, ki ne bodo uvideli ali razumeli, da so sami odgovorni za svoj materialni položaj v starosti, bo življenjski standard čez desetletja lahko resen problem. Slovenia is one of the countries where ageing of the population is an unavoidable fact. The country directs the funds, combined on the basis of solidarity between generations and it also directs the conditions for retirement and ratios for allocation and payments for pensions. Beside the second and third pension column there are two very important facts that represent the pension scheme reform. Pensions from the first column will be cut gradually, what for the many future pensioners signifies, that monthly income from the first pension column will not satisfy the decent life standard. This reduction will need to be substituted with incomes from the second and the third pension column. Years of servise are extended and minimum retirement age is increased at the same time. In both cases we can conclude that the conditions of pension scheme at the first pension column will sharpen, but as a substitute on the other side we have the second pension column which offers us an advantageous and organized long term saving for the old ages. For those who will not realize and understand their own responsibility for their material I well being in the old ages, the life standard will be a serius problem in few decades.