Aigars Mahinovs: Pensijas prognoze 18.43
Update: I apologise for spamming all the nice people on Planet Debian with this unrelated post in foreign language it got mis-tagged and (although I tried classifying it correctly and removing it from the separate Debian-only RSS feed going to the Debian Planet) Planet software just keeps it around until admins get a spare moment to remove it manually. The basic idea of the post is that there is a e-government service by the Latvian government that provides any citizen a way to check what their pension would be, but it is kinda useless, because it calculates what you pension would be if you decided to retire right now. So in the post below I provide a few simple steps on how to estimate what the real pension could be (in todays currency values) if a person kept paying into the system at the same rate until the normal retirement age.
Latvija.lv ir r ks savas n kotnes pensijas prognoz anai, ta u tas ir, maigi izsakoties, bezj dz gs tiem, kas nepl no iet pensij tuv k gada laik .
tri apskatoties atteic gos likumus un noteikumus es nonacu pie lietder g kas metodes. Vispirms m s varam dro i ignor t pensiju indeks ciju un visas ar to saist t s pensiju kapit la p rr in anas vai iemaksu palielin anos ir skaidrs, ka gadiem ejot uz priek u b s kaut k ds infl cijas procents, kura d palielin sies algas, palielin sies iemaksas pensiju kapit l un tiks p rr in tas vis das izmaksas, ta u t pati infl cija tie i ietekm s ar to cik v rt gs b s katrs gala pensijas lats taj br d , kad pensija tiks sa emta, l dz ar to infl cijas efekts tiek neitraliz ts, ja m s v rt jam gala ciparu br a cenu kontekst t.i. ja gal san ks, ka pensija b s 400Ls, tad to vai tas ir daudz vai maz j dom br a cen s, nevis m inot izdom t k das b cenas p c 30 gadiem.
To visu emot v r pensijas apr ins stipri vienk r ojas:
- Pa emam atskaiti no t Latvija.lv pakalpojuma. Tas mums dos uz o br di uzkr to pensijas kapit lu (U) un aptuvenu ciparu par to k ds ir kapit la ikgad jais piaugums (P)
- Apr inam cik v l gadi ir paliku i l dz pension an s vecumam (t) t.i. l dz 62 gadiem. Es pat r in tos ar to, ka ap to laiku m r a vecums jau b s 65.
- Sar inam to cik b s aptuvenais pensijas kapit ls pension anas vecuma, ja m s turpinam iemaksas k tagad K = U + ( P * t )
- Apr inam k da san k ikm ne a pensija no da pensijas kapit la Pensija = K / G / 12, kur G ir emts no pension an s vecumam atbilsto s rindi as MK noteikumos, piem ram 62 gadiem tas ir 18.43