Russia entered the top five worst countries in the world for pensioners. Which country has the highest pension Ranking of pensions in the world

Retirement age at different countries- this is data of interest not only to economists and political scientists, but also to ordinary citizens. The reform, launched in Russia this year, caused excitement and indignation among the population. Many began to look towards Europe: they say, there are young pensioners, not like we have. And after the news that in Italy retirement age lowered, readers were generally indignant. The editors of the site decided to figure out which countries have which retirement age.

Before we start, we want to warn you: our task is to study the comparative table of retirement age in other countries. It should reflect the data at the current moment (February 2020), based on information in open sources in Runet. If you have other verified information, we are waiting for your comments.

USA

No matter how you feel about the United States, experts believe that the economy of this state is the most stable, so let's start with the states. There are 2 types of pensions - state and from companies in which a person has worked for a long time. And on that, and on another for health reasons it is possible to leave at any time. But then the payments will not be the highest. In most cases, Americans become retired if they are between 59.5 years old (59 full years and another 6 months from the date of birth) to 67 years old. Everyone chooses how much to work, and it depends on how much a citizen would like to receive in old age. For the majority, it is beneficial to retire at 67, and we will take this indicator as a basis.

China

A country with a unique history has an equally unique system pension provision. By law, only urban residents are entitled to it. Those who have a rural residence permit must be supported by their children.

Chinese men can leave the service at 60, and women at 50-55, depending on the type of occupation. The authorities of the Celestial Empire have repeatedly said that they are going to raise the pension qualification for 5 years. Last time they promised to do it in 2017, but it didn't work out. The reform was postponed until 2045.

Japan

The retirement age in Japan, like in the United States, depends on how much a person would like to receive in old age. If a Japanese is ready to be content with 70% of a well-deserved pension, he can leave work at 60. But if he claims 100% of payments, he will be released only at 65. This applies to both women and men.

Western European countries: Germany, England, France

The retirement age in Europe varies from country to country. In Germany, provided that the citizen is not a disabled person or a representative of another privileged category, you can finish working at 65. Now pension system reformed in such a way that persons born in 1964 and later will be able to leave the service only at 67. The age limit is the same for both women and men.

Retirement in France: Age raised to 62.5 in 2018 (no gender breakdown). You must have at least 42 years of experience in order to receive all payments provided by law. If the experience is not enough, you can work up to 67 years and also receive the full amount.

In the UK, from November 2018, both men and women can take a well-deserved rest at 65. And in the near future, the authorities plan to increase the age limit to 67. maximum pension, the Englishman will be allowed a minimum experience of 44 years.

If we are not limited to the countries of Western Europe, but take such states as Sweden, Belgium, Denmark, Italy, Switzerland, Norway, Finland, then the retirement age in European countries (table 2020) is somewhat different (countries are listed in alphabetical order):

How about our neighbors?

It is especially interesting to know what the retirement age is in the countries of the world (the table for 2020 is presented below) located in the neighborhood of Russia: in Belarus, Ukraine, Poland, Bulgaria, Moldova, the Czech Republic, and Slovakia.

To make it clearer, what is the retirement age in the world - a table of 2020.

After analyzing these data, it is easy to answer the question of where the lowest retirement age is: in China. In many countries, an ordinary citizen can be retired no earlier than 60, and on average around the world - in 63-64. And the richer the state, the more dedication it requires from its citizens. Against this background, Russia looks “like everyone else”: we follow global trends in raising the retirement age, no matter how much we want to excel.

Consider the features of the pension systems of each of the 7 countries represented in the ranking. At the end of the article, a comparison of life expectancy in retirement in different states is given.

Austria

• Payment amount: 188.2 thousand rubles.
• Retirement age: men - 65 years, women - 60 years.

Austria compares favorably not only with the highest amount of payments, but also with early retirement. The minimum length of service is only 15 years, but even a person who has not worked in the country for a day can receive assistance from the state. Social benefit in this case will be 750 euros. To calculate the labor pension payment, the 180 highest salaries that a citizen received while working in Austria are used.

Some residents of the country practice later retirement. Having worked a little longer, a person provides himself with almost the same income that he could previously receive as a salary.

Netherlands

• Payment amount: 178.2 thousand rubles.
• Retirement age: 65 for all, increase planned.

The Netherlands is the only country in our ranking where the income of pensioners is higher than the average salary. Perhaps this is the reason for the rather high retirement age: now it is set at 65, but by 2021 it is planned to be raised to 67.

As in Russia, raising the retirement age in the Netherlands has sparked fierce controversy. Some politicians believe that only knowledge workers should be raised the bar, while workers should be left alone.

Pension payments in the Netherlands are formed from mandatory and voluntary contributions. At the same time, the mandatory contribution is part of the social tax, which is 17.9% of the salary.

Iceland

• Payment amount: 164.8 thousand rubles.
• Retirement age: 67 for all.

The example of Iceland shows that arguments about which countries have which pensions in rubles make no sense apart from the price level. The fact is that this island nation is one of the most expensive to live in. According to Numbeo, consumer prices in Iceland are 70% higher than in Russia.

However, even taking into account the high price level, the Icelandic pension looks attractive. Despite this, many citizens prefer to work as long as possible in order to increase their pensions.

Denmark

• Payment amount: 163.3 thousand rubles.

From year to year, Denmark ranks first in the authoritative Mercer Global Pension Index. The country occupies a leading position in terms of the share of pension assets in GDP. Old age benefits in Denmark are divided into several levels:

• Social. Basic payment received by all citizens who have lived in Denmark for at least 40 years.
• Cumulative. This part of the pension is managed by the state fund ATP and is formed from taxes.
• Voluntary. It is formed at the expense of payments of a citizen or an organization in which he works. Voluntary pension plans are administered by banks, insurance companies and private funds.

Switzerland

• Payment amount: 153.8 thousand rubles.
• Retirement age: men - 65 years, women - 64 years.

In Switzerland, the situation with pensions is similar to that in Iceland: large old-age benefits are largely due to high prices. At the same time, Swiss pensioners receive only 45% of the average salary - significantly less than in other countries from our rating.

Notably, in 1972 the retirement age for Swiss women was lowered from 65 to 62. Later, it rose twice, and today it remains at the mark of 64 years.

Citizens who have worked in Switzerland for at least a year are entitled to receive a pension. If a person does not work, but has a permanent source of income, he is obliged to pay social tax on an equal basis with everyone else.

Israel

• Payment amount: 116.6 thousand rubles.
• Retirement age: men - 67 years, women - 62 years.

Pensions in Israel are very closely intertwined with other types of social insurance. The minimum old-age payment is $400 dollars, and any citizen can receive this money, regardless of length of service and other conditions. However, the basic pension is below the level living wage, which is $487. Missing funds are accrued from:

• social allowances: even if a person has not worked officially for a day, his pension will be at the subsistence level;
• seniority allowance;
• funded part: it forms a significant part of the pension.

Citizens who cannot afford to rent an apartment and do not own real estate can apply for social housing. Moreover, absolutely all pensioners receive a discount on payment. utilities.

Finland

• Amount of payment: 115.7 thousand rubles.
• Retirement age: 65 for all.

The main feature of the Finnish pension system is the high base payment. A person who has lived in the country for at least 3 years will receive at least 1.3 thousand euros from the state. Similar conditions exist in many European countries, but only Finland offers such a generous unconditional old-age benefit.

Pension payments are based on contributions collected from employers. As in Israel, Finland has extensive social support programs. Any pensioner can get free housing, and a person with handicapped- care allowance.

Curiously, in case of injury, a person can automatically retire if he is no longer able to perform work of a similar nature. An employee of the paint shop who has earned a lung disease will go on paid vacation for the rest of his life - of course, if he himself wants it.

Conclusion

Having answered the question in which country the largest pension operates, let's consider another important aspect - the retirement age. Let's calculate how many years the average pensioner can live after going on vacation in different countries.

For clarity, let's add Russia to this comparison, assuming that the project pension reform will be adopted taking into account the proposals of President Putin (60 years for women and 65 years for men).

Table 2. Life expectancy in retirement in different countries. In preparation, WHO data on life expectancy were used.

It is noteworthy that in all these countries, men on average receive old-age benefits for less than 20 years. Women exceed this bar in Austria, Switzerland and Israel.

The comparison shows that after the pension reform, the average Russian man will receive a pension for only 1 year. Obviously, the amount of payment in this case will not have of great importance.

Higher education. Orenburg State University (specialization: economics and management at heavy engineering enterprises).
September 9, 2018 .

One of the most important indicators of the socio-economic development of the country is the average pension that people of retirement age receive. It is the life of this stratum of society that can testify better than all other factors whether the country is on the right path and whether it has a real future.

We present to your attention the next review of the average pension in the countries of the world for 2018. What can be said from this sample? Retirees in Western Europe, the United States and Japan continue to receive pension payments, exceeding Russian salaries by several times, we are not talking about Russian pensioners at all. All the Russian government could have done over the past year was to increase the national average pension by 1,000 rubles, or $15 (14,100 rubles). Things are a little better only in neighboring Ukraine, where average pensions increased by 40% at once, reaching $100.

Overview of the average pension in the CIS countries and the world in 2018

In most countries of the world, pensioners cannot live comfortably on paid pensions, since the amount of pension payments is only a part of wages. But there are countries where older people are able not only to fully ensure a comfortable life, but also to travel annually. But where do pensioners live well? Let's find out now in this article.

Where is the largest pension in the world?

In European countries, there is a funded pension system. Consequently, the highest pension payments are received by European pensioners.

The first place in the list is occupied by a country called Denmark. The average pension in this country is over $2,800 per month. (in rubles - 170,000 rubles). The average life expectancy for pensioners in Denmark is 80 years.

Second place is Finland– the amount of pension payments is $2,000, which is 120,000 rubles.

The third place of honor belongs to Norway This country has the highest rates of retirement age and taxes. Therefore, most pensioners transfer most of their pension payments to maintain a normal standard of living, which is quite high in Norway.

Maximum pension payments in Russia

Russian Federation ranked by world standards 18th place in the list of the largest pension payments. The average pension level in the country is $280, that is 17000 rubles.

In the first place of the maximum pension contributions are federal officials and former mayors.

The pension of former civil servants is 500,000 rubles. Here are some examples:

1. The pension of the President of the Russian Federation is 530,000 rubles.
2. Ex - mayor of Voronezh - 350,000 rubles.
3. Former mayor of Ulan-Ude - 260,000 rubles.
4. Mayor of Novosibirsk - 250,000 rubles.

As for the regions, the maximum pension contributions are paid in the following areas:

• Moscow;
• Rostov;
• Chelyabinsk;
• Penza;
• Astrakhan.

After the termination of presidential activity at the age of 65, Vladimir Vladimirovich Putin will be able to issue pension contributions in the amount of 75% of wages.

The same applies to Dmitry Medvedev, who previously served as President of Russia.

Pension in Ukraine - maximum sizes

The maximum pension payments are received by the former head of the National Bank Vladimir Stelmakh - 130 000 hryvnia.

In addition to Vladimir, six more citizens receive high pensions in Ukraine. The pension for this category of persons is set higher 20000 hryvnia(data provided by the head of the PFU, Boris Zaichuk).

In addition to the above groups, get a high pension persons such as:

• judges - 16,000 hryvnia;
• former military personnel - 2800;
• diplomats - 2500;
• Chernobyl victims - 3300;
• prosecutors - 7000.

If we talk about ordinary citizens of the country, then the average pension of an ordinary Ukrainian is 1500 hryvnia.

Consequently, civil servants receive 80% from wages and working class - 45%.

Many of the world's retirees are unable to live comfortably on pension payments, let alone annual leave. And only a small percentage of citizens of retirement age receive decent pension contributions, most often these are employees public sphere. About who has the maximum pension payments is discussed in this material.

Upon reaching a certain age, a person can stop working and receive money thanks to retirement savings. Each country has its own retirement age and calculation methods.

New Zealand

This country is often called "a paradise for pensioners" And this title is fully deserved. On average, people here live up to 80–85 years, so retiring at 65 is not stressful for them. Why worry? Almost 20 more years of rest ahead! On average, a pensioner here can receive up to $1,500 per month.

Mandatory conditions for receiving a pension: residence in the country for 10 years continuously from the age of 20 and 5 years after the age of 50. Also, even those who have a residence permit can become pensioners. To do this, you need to live in the country for at least 10 years. There is no such "balls" anywhere else! But if you decide after the onset to leave to live in another state, then the government can reduce your pension.

In New Zealand, the pension is approximately 40% of the average salary, which is one of the highest rates in the world. In addition, it is indexed annually to make pensioners feel comfortable. Forget about certificates of work experience and income level. Here it's just papers. In New Zealand, other indicators affect the size of the pension:

• whether you are married;
• who do you live with - husband, children, grandchildren, etc.;
• whether your spouse receives a pension;
• whether you have pensions in other countries.

A single person will receive more pension than a married person. And this is easily explained - after all, a lonely person needs to pay their bills on their own. There is simply no support in the form of a spouse who is ready to share this with you.

And given that the average salary is about 2,500–3,000 US dollars, their minimum pension will be about $600–700.

In addition, New Zealanders save extra money to their KiwiSaver account. No, this is not an electronic payment system, this is a commercial investment platform. If you are overtaken by financial difficulties, then you can temporarily interrupt the deduction of funds. The essence of its activity lies in the fact that a person deducts interest from his salary here. The fund uses your money until you reach retirement age. Once contributions reach NZ$1,000, half of them are sent to your account. The more you give into it, the more you will get in old age. There are several cases where you can use the money saved before retirement:

• buying a property.
• difficult financial situation.
• disease.
• death of the insured

Any citizen or permanent resident of the country, even not officially working, can become a member of the system. This is the ideal country for freelancers. Just imagine - you can save for your own retirement, knowing that your money will return to you in old age!

Upon reaching the required age, you have 3 options for how to use the money:

• transfer everything to retirement and receive a little monthly;
• transfer all the money to a bank account and use it as you want right now;
• buy property.

China

It can be called the complete opposite of New Zealand. Only a limited list of persons can receive a pension here. Yes, the law simply does not provide for ordinary people to receive money from the state.

Minimum pension equals 618 yuan (about 5,500 rubles), and the national average is in the region of 2,000 yuan (about 18,000 rubles). But if you think that's a lot - no. This is even below the living wage.

In China, children are forced to take care of their parents. If you don't want to help, you'll get huge fines or go to jail. This is where you really need to give birth, so that they bring water. The state simply cannot reach the living wage. The reason for this is the wrong birth control policy in the second half of the last century.

Mandatory conditions for receiving a pension in China:

1. Age of women - 55 years, men - 60 years. If a woman is engaged in heavy physical labor, then the retirement age is reduced to 50.
2. Official experience - from 15 years;
3. Work in government agencies or in industry;
4. Small business management;

Belarus

The average pension of our neighbors is $150-160. But in order to get it, local residents need to work for 20-25 years, while they must give almost a third of their salary to the Pension Fund! On average, women begin to receive a pension at 58, and men at 63. This situation is observed in almost the entire post-Soviet space.

Ukraine

Ukrainian pensioners live practically from hand to mouth. The average pension in the country is $80-90, which is not enough even to pay utility bills. Therefore, in the last few years there has been an active interest in private pension funds, even among young people. The retirement age is gradually rising to 65 years, with an average life expectancy of approximately 70 years.

Poland

The average Polish pension is only 460 dollars. Why only? If we compare it with our Western neighbors, then the Poles receive 2 or even 3 times less, but if we take into account the cost of living, then pensioners have enough to live on.

The pension itself consists of 3 levels: funded, individual and solidary. And if you donate funds to all funds, then you can receive as many as 3 pensions! Women retire at 60, and men at 65. That is, Poles can live "for themselves" for an average of 10-15 years.

Japan

Another paradise for retirees. Here you can receive an average of 2,000 dollars a month from the state! And this is despite the highest life expectancy in the world, now the Japanese live on average up to 83-85 years. But they themselves do not want to retire. Although, according to the law, the Japanese can go on vacation at 65, but most often the inhabitants of the Land of the Rising Sun, they become pensioners only at 70.

Germany

The average pension here is about $1,500. Each working German pays 20.3% of his salary in the Pension Fund every month. Now the inhabitants of Germany can retire at 65, but by 2030 it will be possible to retire only from the age of 67

Spain

The average Spanish pension is around $1,110. Here is one of the most stringent pension systems. To receive money from the state, you need at least 37 years of official experience. So far, the Spaniards retire at 65, but gradually the “rest” age rises to 67. However, if your health does not allow you to work, then you can become a pensioner as early as 62.

USA

The average pension in the United States is approximately $1,400–1,500. The minimum pension ranges from $730–735 for singles and $1,110 for married couple. For those born in 1937 and earlier, the retirement age began at 65, for those born between 1943 and 1955, rest begins at 66, but for those born after 1960, the retirement age starts at 67. But here, people can afford to retire at such an advanced age, because now the average life expectancy in the US is 80 years.

At the same time, the pension system is very flexible. And if life circumstances have developed in such a way that you can no longer work as before, then you can retire earlier. Yes, you will receive a little less, but no one will force you to work to death.

Israel

Local pensioners receive about $1,500. But for this, you still need to try. The state provides an allowance of $370. You must earn the rest of your pension by saving part of the money in private pension funds. If you pay contributions for about 25-30 years, then you will just reach decent pension in the region of $1,400–$1,600.

Russia

The average pension in Russia is $150. However, you can get it from the age of 65. Nobody knows what will happen in 5 or 10 years. It is possible that the retirement age will rise to 70 years.

Therefore, if you really want a decent old age, then you need to save money for a deposit right now. In our country, counting on government assistance is an unaffordable luxury. Therefore, you need to take care of yourself from a young age. We have already talked about the most profitable deposits, you can choose and arrange the most suitable one in the "Deposits" section.