Uztaro

Espainiako Gizarte-Segurantzan egindako berrantolaketak jaitsi egingo du erretiroagatiko prestazioaren erosteko ahalmenaren parekotasuna. Lan honetan berrantolaketa horretan gertatutako aldaketarik garrantzitsuenak aztertuko ditugu eta, era berean, pentsio-planetan eta fondo pribatuetan duten eragina neurtzen saiatuko gara.

Hain zuzen ere, erretiroa hartzeko adin arruntaren atzerapena aztertuko dugu, erretiro atzeratuak pentsio-plan pribatuetan zer-nolako era-gina duen ikusteko. Baina, kasuan kasuko neurriak hartuz gero, erretiroa-gatiko prestazioaren berrantolaketaren efektu kaltegarria murriztu egingo da.

 

The Spanish Social Security Reform decreases gradually the buying power of the retirement benefits to be received by current workers. In this paper we analyze the most significant changes that have taken place regarding this reform, and we also analyze their influence on the private pension plans.

We also include the influence that other measures, particularly the delaying of the normal retirement age of civil servants may have on these private pension plans, reducing the negative effect that the undertaken reform has for the retirement benefit.