home > Fancy > The size of the pension in different countries. The biggest old-age pension in the world or where can retirees live well? Who has what kind of pension around the world

The size of the pension in different countries. The biggest old-age pension in the world or where can retirees live well? Who has what kind of pension around the world

In most countries of the world, retirees cannot live comfortably on a paid pension, 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 provide a comfortable life, but also to travel annually. But where do pensioners live well? Let's find out now in this material.

Where is the largest pension in the world?

A funded pension system operates in European countries. Hence, the highest pension payments receive European pensioners.

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

  1. Pension of the President of the Russian Federation - 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.

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

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

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

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

Pension in Ukraine - maximum size

The former head of the National Bank Vladimir Stelmakh receives the maximum pension payments - 130,000 hryvnia.

In addition to Vladimir, six more citizens receive a high pension in Ukraine. The pension of this category of persons is set above 20,000 hryvnia(data provided from the head of the PFU Boris Zaichuk).

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A Dignified Old Age: An Overview of Pension Amounts in Different Countries

The pension topic has always been painful for the republics of the former Soviet Union, and in the media it has literally become a constant heading. But after June 2018, when the Russian State Duma introduced a bill to raise the retirement age, even those who were not affected by this problem because of their youth or a reliable financial situation became interested in the problem.

Dissatisfied citizens demanded an explanation for such a decision, and officials argued their actions by the fact that for a secure old age it is necessary to work more, and retirement in the developed countries of the world comes earlier than in Russian Federation... This rationale is partially true, although it negates other variables that affect social and financial well-being. An integrated approach to the issue will allow you to take into account all the factors, having seen the whole picture.

The highest pensions among countries in the world

The easiest way to compare the size of pensions around the world is with a table with infographics. In addition to the amount of pension payments, other data are considered: demographic statistics, life expectancy, subsistence minimum rubles / month, as well as the frequency social payments in different states the average income in Russia.

Experts also highlight purchasing power, prices for food, medicines and utilities, tax policy, the situation on the labor market and the conditions under which a person can count on state compensation - the list is not exhaustive. Let's consider each country in more detail.

👍👍 Denmark- regularly tops the rating for the size of pensions in the countries of the world. The amount of income depends on the total length of service and the duration of residence in the territory of the state. To receive the maximum financial assistance, you must have lived in Denmark for the past 40 years. In another case, subsidies will not be maximum, but taking into account the average amount in 2 800$ - this is not the worst prospect, well-fed old age is guaranteed.

👍👍 Finland- the state sets the number of payments based on the conditions under which the person worked. Workers in hard and harmful work receive a high increase. Payment to pensioners is 1982$ .

👍 Israel- the average pensioner gets here 1500$ ... The local pension system is based on private funds. After 25 years of contributions, Israelis can count on a funded pension.

👍 USA- in this country, the pension system provides for a systematic increase in the amount if a citizen has worked for ten years at the same enterprise in his country, which makes it possible to collect an amount that is a multiple of two or three pensions. For early retirement, every American must justify their decision in writing. The payment will not be complete, taking into account how much earlier than the prescribed age limit the individual retired. On average, the amount is 1200-1300$ .

👍 Germany- Many years after the merger of the GDR and the FRG, the difference between the incomes of citizens remains to this day. In western Germany, people are charged about 1400$ , and in the east - 1200 $. Every worker contributes 20% of his income to the Pension Fund. Germans also have the right to count on an insurance pension. Both men and women go on vacation after working the same way - at 67 years old, and work experience must be at least five years in local companies, the possibility of receiving pensions by foreigners is provided;

👍 UK- the system of payments of pensions in Britain distinguishes: private, public and seniority payments with benefits and allowances. The age for seniority cares starts at 65 for males and 60 to 65 for females. For the annual continuation of work after the coming of age, the subject of the kingdom receives a supplement to the future payment. Special additives are provided for those. who served during the Second World War. Minimum pension - from 49,000 rubles per month, or from £ 40 in 7 days.

👍 Japan- the official retirement comes at 65, but in fact the Japanese continue to work until 70 of their own free will. This is natural, because life expectancy is high - 83 years. Also, the Japanese are guaranteed decent working conditions, high salaries and qualified medical care. Financial support for pensioners is 700-2000$ .

👌 Poland- Polish pension is 2 times less than the size of pensions in Western countries. On average about 500$ , but the cost of living there is 2-3 times less than in the above-mentioned countries. Local residents receive pensions of 3 types: solidary, individual and funded. The male half of the population go on vacation established by law at 65, and the female half at 60.

Pensions in the CIS countries

👌 Kazakhstan- considering pensions in different countries, in 2018 they were raised to Kazakhs to 72 tenge, or 14,000 rubles. For men, rest begins at 63, and by 2027 this level will be raised for women as well.

👌 Belarus- to receive reimbursements from the budget, men must have 25 years of work experience, and women 20, when paying taxes to the Pension Fund ⅓ wages. On average, pensioners officially receive 298 Belarusian rubles, or 125 dollars.

👌 Ukraine- according to the Ukrainian Cabinet of Ministers, the average size is 2,500 hryvnia. Considering the situation in the rest of Europe, this is extremely small. Ukrainians become pensioners at the age of 60, and in some cases early.

Anti-rating: lowest pensions

👎 China- only employees of state institutions and members of the Communist Party can count on subsidies, ordinary Chinese have the right only to forced child support. Otherwise, children will face fines or bars. Those for whom subsidies are pre-installed - receive from 9800 RUB;

👎 India- the situation is similar to the Chinese one - payment is made out only after working for national structures. Others can get help from relatives or charities;

👎 Afghanistan- provision of the population in developing regions is a cornerstone in solving the problem of poverty. Afghanistan is the leader in the anti-ranking of worst places for seniors. The concept of social assistance does not exist here at all, and life expectancy does not exceed 45 years.

Place of Russia and comparison with other states

The reform of the system of social payments in Russia has provided for the following types of pension insurance:

  1. On the basis of agreements with non-state with non-state structures;
  2. State;
  3. Private voluntary.

The retirement age in Russia is really not the highest, but if you look at pensions in different parts world and the table of the rating of centenarians, it is clear that the ratio of retirement age and average life expectancy is not balanced. Assistance to senior citizens of the Russian Federation, according to the data, is 13,700 rubles. Life expectancy is 71 years. The retirement age is 65 years. Comparing the data in the table, a similar situation has developed in Sweden, Portugal, Hungary, Saudi Arabia and Brazil. But in all of them the level of longevity is higher, for example - 84 years in Switzerland against 71 in Russia. Similarly, with the size of income, there is room for growth.

After analyzing pensions in the rest of the world for 2019, where the tables show dry numbers, you can draw a conclusion yourself. However, economists, sociologists and government officials argue that payments can only be increased if the population works harder. But many citizens disagree, believing that the workers in the Russian Federation already work a lot, which makes it possible to increase social financing without fearing for the formation of a “financial hole” in the budget.

Top 10 countries with the highest pensions

As of the beginning of April this year, the average labor pension on the territory of Russia amounted to 10.4 thousand rubles. This is approximately 38% of the average wage. Sadly, for example, in India, only former civil servants receive state pensions. Most of the elderly Chinese also do not receive pensions and can only rely on their savings and support for their children.

We propose to consider Top 10 countries with the highest pensions, where the pension is at least half of the salary.

Pension payments in this country are approximately 50% of wages. The retirement age for men starts at 61 years, for women - at 58 years. Life expectancy for men and women is 79 and 81.8 years, respectively.

9. Portugal

In a far from prosperous European country, pensioners receive an average of 54% of their previous salary. The retirement age for men and women is the same - 65 years with an average life expectancy of about 84 years.

8. Finland

Finns receive almost 58% of their salary in retirement. The retirement age in Finland is 65 years. The average life expectancy is 84 years. Such a high level of pension payments is ensured by the working population, whose share is 68.4%.

7. Slovenia

Pensioners in this country receive more than 62% of their salaries. The retirement age for men is 63 for men and 61 for women. The average life expectancy in Slovenia is 82 years.

Turkish pensioners receive 64.5% of their wages, while women retire at 58 and men at 60. Mothers with 5 or more children, which is not uncommon in this country, retire at 48. The average life expectancy in Turkey is 77 years.

The Italian pension is 64.5% of the salary, and retirement age occurs at the age of 59 in men and women. Moreover, the average life expectancy of Italians is 84 years. The share of the working population in the country is at 57%.

Retired Austrians receive approximately 77% of their previous salary. The retirement age is 65 for men, 60 for women, with an average life expectancy of 82.5 and 85.4 years, respectively.

Despite the crisis in the economy, Spain maintains a decent level pension provision... Pensioners here receive 81% of their previous earnings, and the retirement age for all is the same - 65 years. The average life expectancy in Spain is 84.5 years.

2. Luxembourg

It is quite pleasant to be retired in this small European country, the size of the pension is on average 87% of the previous income. The retirement age for both sexes is 60. The average life expectancy in Luxembourg is 82 years.

Surprisingly, the most critical European country continues to support the highest level of pension provision... The size of the Greek pension is almost 96% of the previous income. True, the level of salaries is considered one of the lowest in Europe. The retirement age in Greece is 57 for men and women.

TOP 7 countries with the highest pensions in the world: where it is more profitable to meet old age

The highest pensions are received by residents of Austria, where the average old-age payment reaches 188 thousand rubles. per month. In the Netherlands, benefits for the elderly are higher than the national average salary. The maximum retirement age in Iceland is 67 years. In some countries, even people who have not officially worked for a single day can receive a pension.

For many residents of Russia, raising the retirement age has become the main topic of 2018. One of the main arguments put forward by the proponents of the reform is the possibility of increasing payments for future retirees. The head of the Accounts Chamber Alexei Kudrin believes that pensions can rise to 70% of wages, reaching 27 thousand rubles.

However, 27 thousand is still a relatively small figure. In developed countries, whose residents receive the highest pensions in the world, the amount of old-age benefits reaches 188 thousand rubles. In the Netherlands, Turkey and Croatia, payments for the elderly are even higher than the official salary.

This article compiles the 7 countries with the highest pensions. It is noteworthy that almost all of them are located in Europe: only Israel stands out from the general row. First, let's turn to a summary table containing the basic parameters of pension systems in these countries.

Table 1. TOP-7 countries with the highest pensions (according to OECD and Numbeo; rate 68.25 rub. / 1 USD).

Payment amount, rubles / month Pension size from average salary Retirement age, years
Austria 188.2 thous. 91,8% 60 – 65
Netherlands 178.2 thous. 100,6% 65
Iceland 164.8K 75,7% 67
Denmark 163.3K 80,2% 65
Switzerland 153.8K 44,9% 64 – 65
Israel 116.6K 75,1% 62 – 67
Finland 115.7 thous. 65,0% 65

The figures look impressive - especially against the background of the average Russian 14.1 thousand rubles. In Finland, which ranks last on the list, the average pension was 8 times higher than in Russia. Note that in all of these countries, citizens retire much later. The minimum bar is set for Austrian women who can apply for benefits as early as 60 years old.

Let's be objective: there is not the worst pension system in Russia. For example, in China, rural residents receive only 1.26 thousand rubles, and in Botswana, most of the workers in the private sector are content with 1.4 thousand rubles. per month. It is rather difficult to say exactly in which country the smallest pension is paid: in poor countries, statistics poorly reflect reality, and some citizens do not receive any old-age payments.

Let's consider the peculiarities of the pension systems of each of the 7 countries represented in the ranking. At the end of the article, there is a comparison of life expectancy in retirement in different states.

Figure 1. Flag of Austria

  • Amount of payment: 188.2 thousand rubles.
  • Retirement age: men - 65 years old, women - 60 years old.

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 it will be 750 euros. To calculate the labor pension payment, 180 of the highest salaries that a citizen received while working in Austria are used.

Some residents of the country practice late retirement. After working a little longer, a person provides himself with almost the same income that he could receive earlier as a salary.

Netherlands

Figure 2. Flag of the Netherlands

  • Amount of payment: 178.2 thousand rubles.
  • Retirement age: 65 for all, an increase is planned.

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

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

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

Figure 3. Flag of Iceland

  • Amount of payment: 164.8 thousand rubles.
  • Retirement age: 67 for everyone.

The example of Iceland shows: the reasoning about which countries have which pension in rubles does not make sense apart from the price level. The fact is that this island state is one of the most expensive to live in. According to Numbeo, consumer prices in Iceland are 70% higher than in Russia.

However, even given the high price level, the Icelandic pension looks attractive. Despite this, many citizens choose to work as long as possible in order to increase their retirement benefits.

Figure 4. Flag of Denmark

  • Amount of payment: 163.3 thousand rubles.

Denmark is ranked first in the authoritative Mercer Global Pension Index from year to year. The country occupies a leading position in terms of the share of pension assets in GDP. Old age payments 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 ATP fund and is generated from taxes.
  • Voluntary. Formed at the expense of payments by a citizen or the organization in which he works. Voluntary pension plans are run by banks, insurance companies and private funds.

Figure 5. Flag of Switzerland.

  • Amount of payment: 153.8 thousand rubles.
  • Retirement age: men - 65 years old, women - 64 years old.

In Switzerland, the situation with pensions is similar to Icelandic: 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 ranking.

It is noteworthy that in 1972 the retirement age for Swiss women was lowered from 65 to 62 years. Later, it was raised twice, and today it is at 64 years old.

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

Figure 6. Flag of Israel.

  • Amount of payment: 116.6 thousand rubles.
  • Retirement age: men - 67 years old, women - 62 years old.

Pensions in Israel are very closely intertwined with other types social insurance... The minimum old-age payment is $ 400, 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 credited at the expense of:

  • social allowances: even if a person has not worked officially for a day, his pension will be at the level of the subsistence minimum;
  • seniority bonuses;
  • the funded part: it is she who 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. At the same time, absolutely all pensioners receive a discount on utility bills.

Figure 7. Flag of Finland.

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

The main feature of the Finnish pension system is the high size of the basic 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 apply in many European countries, but only Finland offers such a generous unconditional old-age benefit.

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

It is curious that in the event 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 a paid vacation for the rest of his life - of course, if he wants to.

Conclusion

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

For clarity, let's add Russia to this comparison, assuming that the draft 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, the 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 size of the payment in this case will not matter much.

Video: 5 countries with the highest pensions

The author of the video offers his top countries with the highest old age payments. It partially differs from the above list, but there is no mistake in this: it all depends on the method used to calculate the amount of benefits.

The highest pensions in the world for 2018

They constantly talk about her. They are waiting for her. At first it seems out of reach. But as soon as it appears in your life, then it's time to rest. Pension, gentlemen. Sooner or later, everyone's hour will come, so you should think about it in advance. After all, the more continuous experience and the “whiter” the income, the more chances of getting a decent allowance in old age. In the meantime, let's count other people's money and go on a trip to the countries with the highest pensions in the world for 2018.

Our rating opens with the Czech Republic - people there are not afraid of old age. Moreover, Czechs see advanced age solely from the side of the fact that it is finally possible to travel around Europe. The reason for this is the substantial cash allowance that is paid to Czech citizens upon reaching the age of 58 (regardless of gender). On average, Czech retirees have a monthly income of $ 1,000. Considering that most elderly people are unpretentious in life and everyday life, the bulk of this amount is really spent on rolling around the world. Not a bad old age, isn't it?

By the way, what do you know about Malaysia? This is actually an amazing place. The rhythm of a modern metropolis and the relaxation of endless beaches, tropical forests and skyscraper towers, old age and security are harmoniously combined here. Yes, retirees in Malaysia can hardly be called poverty-stricken people. The size of state payments to elderly people here is exactly the same as in the Czech Republic, with the only difference that Malays retire a couple of years later than their Czech colleagues (that is, at 60). Malaysia is traditionally considered an inexpensive country to live in, so retirees here feel very wealthy people.

Another country where old age can definitely be called decent, and retirement is far from the saddest event in life. In addition to the fact that citizens are entitled to an old-age pension (by the way, it is quite large, 67 years old), there is a so-called pension fund here. It includes savings consisting of monthly contributions that a citizen deducts as an employee. Also, upon retirement, Israelis receive a one-time payment consisting of the average salary multiplied by the number of years worked. And on top of all this, pensioners here have a large number of benefits. Needless to say, the elderly in Israel can afford travel and other pleasures of life.

In general, the conditions for retirees are quite loyal in the United States. What can I say, if you, without even touching your finger in your entire life, can safely count on a minimum pension of $ 300. For working citizens, old-age payments start at $ 500 or more. For example, a hard worker, IT specialist or a clerk receive about 800 "green" plus additional payments from the fund (monthly deductions during work). The largest old-age benefits in America are received by the military, civil servants and airline employees. It is noteworthy that there are no special benefits for the elderly. This is usually offset by frequent sales for retirees.

Sometimes Germany is called the country of retirees. Indeed, about a quarter of the German population receive old-age benefits from the state. And, I must say, good payouts. Pensions for workers with good experience start at $ 850-900. Of the so-called bonuses, the German government provides senior citizens with benefits for utility bills. Of course, you should not assume that pensioners are chic in Germany (after all, life in this country is not cheap), but it is unlikely that an elderly German will complain to you about poverty. As a rule, people can easily afford travel (the main feature of European pensioners).

And what have you heard about Ecuador? At least now you will know that this South American country has a fairly high standard of living for retirees. Not only is the amount of the state old-age payment here by no means small (after all, almost one and a half thousand dollars), real estate in Ecuador is indecently cheap. Therefore, there is nothing surprising in the fact that pensioners here own not only a house, but also a country villa (and not at all to avoid taxes). These two factors also determine the fact that people often come to Ecuador from the United States to celebrate their old age. The pension itself is not much less there, but there is no particular opportunity to buy a large house with it.

But the elderly residents of Panama can arrange for themselves a truly carefree old age. After all, almost $ 2,000 is relied on for a married couple of retirees, and it's not just about the amount of money. For example, a maid service will cost retirees just $ 175 a month. Telephone, internet and television combined will "eat up" another 50-60 dollars. We deduct the costs of utility bills and we find that with the remaining money, elderly spouses can have dinner at a restaurant even every day (about $ 30 with a couple of glasses of wine) or travel the world. In general, live life to the fullest and do not press yourself in anything.

In the case of Finland, 2 should be mentioned immediately. interesting facts... Firstly, the constitution of this country stipulates that there is no maximum for pension accruals as such. That is, it all depends solely on the length of service, the nature of the work and monthly income. Secondly, the minimum pension here is $ 550. At the same time, there are practically no people in Finland who receive such an old-age benefit. A $ 1,500 pension is common here. Of course, someone gets even 2000. Therefore, it is not surprising that some Finnish pensioners have square meters in Portugal or Spain, where they go to live in the winter.

Mexican pensioners hardly know the meaning of the expression "tighten their belts". On average, a married couple of elderly people here have an income of $ 2,100. Very big money, you must agree. If you project this amount on the standard of living in Mexico, it turns out that pensioners are not in poverty here. For example, utility bills and an internet phone cost an average of $ 250. A little more is spent on food. The only thing that hits the pocket the most is housing. Renting a house will cost around $ 800. But even with this arrangement, the money will still remain.

Well, Denmark can rightfully be considered a real paradise for pensioners. The size of the old-age allowance here averages as much as $ 2,800. Therefore, it is completely not surprising that many Europeans dream of citizenship of this country and cherished records in work book in Danish. After all, this will give the right in the future (it becomes happy at the age of 65) to become the owner of the highest pension in the world (it is unlikely that in the near future someone will surpass the Danes). Denmark is even sometimes called the Mecca for the elderly. Well, in fact, not every successful worker can boast of such a salary, let alone pensions.

The biggest old-age pension in the world or where can retirees live well?

Many pensioners, leaving for a well-deserved rest, do not suspect that, having lost their main, sometimes significant, earnings, they practically remain without means of subsistence, since it is impossible to afford not only the desired rest, but also elementary things for the amount of pension payments. , medicines, utility bills, telephone, etc. Hence the question involuntarily arises: which country has the largest pension in the world, and what place does Russia occupy in this rating?

A similar situation can be seen in many countries, since this is a global problem. It is associated with a demographic decline that has been traced for many decades. It leads to the fact that the number of able-bodied population is decreasing, for which employers deduct pension contributions for maintenance. active pensioners.

What is needed for the well-being of retirees?

Governments around the world are currently redesigning the pension system. The main direction of reforms is considered to be an orientation towards increasing the retirement age. There is a rational grain in this, since many pensioners, having gone on a well-deserved rest, continue to work - which means that they still have health reserves for this.

Whether from January 1, 2017, pensions for working pensioners in Russia will be indexed, you can find out here.

Their experience and skills cannot be compared with what young specialists come to production with, so smart leaders successfully use this reserve.

Parameters that determine the well-being of retirees around the world:

  • the starting pension amount assigned by the state;
  • the presence of periodic indexation of pension payments taking into account inflation;
  • benefits to pensioners that they have, regardless of the size of payments;
  • the retirement age, which is assigned taking into account the life expectancy in the country, the size of the consumer basket, and the standard of living.

Rating of pensions in Europe

No. Country Retirement age Pension size 1 Denmark 65 $ 2800 2 Finland 65 $ 1900 3 Norway 67 9500 CZK (50.000 rubles) 4 Czech Republic 58/61 $ 1000 5 Germany 65 € 810 6 France 60 € 500 (20.000 rubles)
  1. Denmark is a Mecca for retirees. Many Europeans seek to receive a pension in this country, having worked there at the pre-retirement age.
  2. Finland - here pensioners do not know the maximum amount of the pension, since its size depends on how many years a person worked and how much he earned. If a citizen has not reached the minimum, the state will pay him extra. Find out more about the amount of pension at retirement age in Finland in this article.
  3. Norway. The country has the highest retirement age, but the pension inspires confidence in comparison with other European countries. But taxes are very high here. The standard of living is considered high.
  4. Czech. With a low age qualification for taking a well-deserved rest, the size of the pension allows pensioners not to live in poverty. The grocery basket and payment for services take about 50% of the income.
  5. Germany. ¼ part of the population is pensioners. Minimum pension the state pays everyone without exception, even emigrants. All pensioners are guaranteed payment for utilities and 56 square meters of housing per person. Read about the current retirement age in Germany here.
  6. France. The principle of calculating payments is similar to how it is done in other European countries: the more seniority and earnings, the higher the pension... The country plans to raise the age of retirement to 65 years.

Rating of pensions in other countries of the world

No. Country Retirement age Pension size 1 Mexico 65 $ 2129 2 Panama 65 $ 1865 3 Ecuador 65 $ 1415 4 Israel 67 $ 1084 5 Malaysia 65 $ 1000 6 USA 65 $ 800 7 Japan 65 66.000 yen, (21.000 rubles) 8 Russia 55/60 $ 285

Use the online retirement calculator to be aware of your future old-age pension amount now.

Brief description of the size of pensions in some countries

  1. Mexico is a country of contrasts. There are many poor, many rich people here. Not only are payments higher than in many countries, living expenses allow retirees to live satisfyingly: utility bills, telephone, travel, cable TV, Internet and food costs will total about 1/3 of the pension, so many people go here. Americans while away their old age.
  2. Panama - Here a luxury pension is provided for a family of 2. Less than half of this amount goes to pay for services, accommodation and meals.
  3. Ecuador - This country has cheap real estate, rental housing and other related costs, so older people are happy with their retirement.
  4. Israel - A fairly high level of pension payments is accompanied by a large number of benefits. In addition to this, at the time of retirement, all citizens are given a large lump sum, which is calculated from the employee's average income multiplied by the number of years of service.
  5. Malaysia - the amount of payments is intended for married couple... You can easily live on this amount, since food prices are low, the cost of services is 1/3 of the total income of a pensioner.
  6. USA - in a country of developed capitalism, the formula for calculating pension payments boils down to the fact that everyone who worked tirelessly will not live in poverty even in retirement. The zealous Americans earn themselves the right to a comfortable old age, the size of which can reach amounts exceeding the standards. Also read how many years Americans go on a well-deserved retirement and what the average pension they receive.
  7. Japan. Instead of the previous 60, the retirement age has been increased to 65, that is, to earn it, you need to work for 40 years. If 25 years of experience is not enough by this time, then there will be no pension at all. Why? Find out in this article.
  8. Russia is in 18th place in terms of the size of pension payments. So far, Russian pensioners have no chances to travel freely around the world. It is hoped that the new pension reform will make a difference in their lives.

The success of the pension system in any country depends not only on economic calculations, but also on other factors. For example, the area occupied by the territory and, accordingly, the number of people, are of decisive importance when it comes to the number of people employed in different areas of the economy.

Working citizens are a source of funds coming to the budget, from which deductions go to Pension Fund... The standard of living of people has a great influence on the living conditions of older citizens, regardless of the size of the pension. But the aging of the nation can be traced inexorably throughout the world, therefore, the governments of the countries are intensively engaged in reforms of their pension systems, based on modern conditions.

There is a certain conventional unit that is used in economic calculations in many countries - the aging index. It includes 4 directions:

  1. Creation of favorable living conditions.
  2. Guaranteed stable and high income.
  3. The level of development of health care and education.
  4. Employment rate of the population.

It is believed that the nation's aging index will rise in parallel with how low the country's standard of living, so governments have something to think about.

A citizen of any country in the world, having reached a certain age threshold, has the right to count on the state to take care of him by accruing pension benefits, which in most democratic countries have long been considered an inalienable right of every person. The size of the pension in different countries depends on many factors, including:


In addition, the retirement age for men and women depends on the state pension legislation.

If we talk about Russia, at present, by age, women retire at 55 and men at 60. However, as of 2019, as a result of the pension reform, the retirement age is now 60 and 65, respectively.

  • Disability.
  • Due to the loss of the breadwinner.
  • Based on years of service.
  • For special distinction before the state.

The pension in Russia can be as follows:

  • insurance;
  • social;
  • cumulative.

An insurance pension is awarded, as a rule, for old age, in the presence of a disability or in the event of the loss of a breadwinner for any reason. On social pension those of citizens who cannot confirm the existence of work experience, as well as members of their families, can count.

Citizens of the Russian Federation who were born not earlier than 1967 have the right to open a personal account to accumulate pension contributions during their seniority. Subsequently, the size of the so-called funded pension will depend on the amount of savings. In 2020, the following average pension sizes have been established in Russia:

  • Insurance - 15 495 rubles.
  • For disability - 14,593 rubles.
  • Social - 5 180 rubles.
  • For disabled people and war veterans - 46,000 rubles.

Germany

The level of development of the state depends, among other things, on the attitude towards pensioners. An example is the German pension system. A state with one of the most powerful economies in the world provides its citizens who have reached retirement age with all the conditions for a dignified life.

The pension threshold established in the country is the same for men and women and is equal to 67 years. Despite this, citizens of the country can retire without waiting for such an age: this is possible in the case when the pensioner pays a certain amount from personal savings necessary to compensate for the funds that have not been received by the pension fund (about 0.3% of the available savings for each unfinished month).

It would be logical to assume that everything is in order with the size of the pension in Germany. On average, women in Germany receive 630 euros and men - 1080. The average pension is 770 euros.

It should be said that, despite the reunification of the two Germany, which happened after the fall of the Berlin Wall, the difference in the development of the east and west of the country exists to this day.

Working at one of the German enterprises, a citizen of the country during his work experience deducts about 20% of his earnings to the PF. In this case, half of the amount of deductions is charged directly from the employee, the second half is paid by the employer.

Every German has the opportunity to resort to the services of one of the insurance companies in order to independently determine the amount of pension payments and accumulate the pension amount.

To count on insurance pension, a German citizen must work at one of the country's enterprises for at least 5 years. If certain conditions are met, a pension in Germany can also be accrued to foreigners.

USA

In the United States, men retire at 67, women at 65 and receive an average of $ 1503 per month. One of the features of the American pension system is the ability to accumulate the required retirement amount after having worked in one of the companies in the country for 10 years. Many citizens manage to collect savings for two or even three pensions during their working life.

If an American wishes to retire early, for example, at 62 years of age (early retirement age in the States), then he will have to submit a request with an indication of the reasons that prompted him to take this step. At the same time, an early retiree should be prepared for the pension amount to be 70% of the amount that he would receive if he retired at 67, and there will be no possibility to reach 100% in the future.

Working in any enterprise, an American, as a rule, in addition to contributions to the state pension fund, has the opportunity to accumulate savings for future retirement in an additional PF, which is available in most large companies and corporations.

The amount of contributions to the state fund is about 15% of the salary, half of which is paid by the employee himself, and the other half - by the enterprise. After reaching retirement age, about 30% of American citizens continue to work.

United Kingdom

Experts believe that the UK pension system is close to perfect. As with most other countries, kingdom retirement benefits can be public, private, or seniority-based. Men go on a well-deserved rest at the age of 65, women - at the age of 60–65. If a British retiree continues to work after reaching this age, there is a pension supplement for each year worked.

On average, a British citizen earns £ 125 per week.

In order to be eligible for a basic pension, a citizen of the kingdom must have worked in the country for at least 10 years: at the same time, each year worked increases the size of the future pension by 4.44 pounds sterling per week. Thus, the minimum basic pension will be 44.4 pounds per week.

If the Briton chose to accumulate the pension amount in one of the private financial institutions, he can independently determine the amount of payments, no restrictions are set.

Employees, as a rule, contribute 5–8% of their earnings to such accumulation funds: in accordance with the latest changes in legislation, now, if necessary, a fourth of the amount accumulated in this way can be withdrawn without paying taxes.

Some Englishmen are taking such a step, for example, in order to improve their living conditions.

More than substantial supplements to pensions are provided in Great Britain for veterans of the Second World War: depending on the military rank or the severity of the injuries received, such a pensioner can receive, in terms of Russian currency, from 150 to 650 thousand rubles a month.

Of course, with such passive income, a British pensioner may well devote the fall of his life to travel, all kinds of hobbies, and the implementation of projects for which there was not enough time in his youth.

China

Perhaps, main feature China's pension system can be considered a lack of payments to agricultural workers. This situation is familiar to Soviet citizens: until the 60s of the last century, collective farmers in the USSR were not officially paid pensions, a small allowance was paid by the collective farm or state farm. Managers, civil servants and industrial workers can count on pension payments in the PRC.

For Chinese men the retirement age comes at 60, for women managers - at 55, for the rest of the fairer sex - at 50.

In general, despite the unprecedented economic growth that China has demonstrated over the past three decades, most of the issues related to the provision of pensions for its citizens remain unresolved. Today, with the naked eye, one can see how China's positions in most of the world rankings, reflecting the general state of the economy, do not fit in with the size of the pensions of the citizens of the Celestial Empire.

average value pensions in China today are about 150-200 USD.

Throughout the working life, a Chinese worker deducts 11% of his salary to the state pension fund: 4% is charged automatically when calculating wages, and 7% is paid by the employer. The size of the pension is about 20% of the average salary. To earn the right to receive the so-called basic pension, you must have worked in a state-owned enterprise for 15 years or more.

One of the explanations for such a low level of pensions in China can be considered the presence of a large number citizens over 65 years of age.

This situation is the result of fertility restrictions that existed until recently. The Chinese nation is now recognized as aging: the number of pensioners in the country exceeds the total population in Russia. Economists say that about 40% of the country's budget is spent on pension payments.

Japan

The average size of the Japanese pension, which today is about 1,700 USD, allows the country's retirees rising sun do not experience financial difficulties and feel quite comfortable. This money is quite enough for food and utilities, and there is also left for leisure activities, which, however, at this age is quite moderate in terms of costs.

A Japanese can go on a well-deserved rest at the age of 65, this applies to both men and women. However, if a citizen of the country expresses a desire to retire earlier, the laws of the state allow him to do this: you can stop active labor at 60, but the size of the pension will decrease by 25%.

If the Japanese continues to work after the onset of retirement age, each year worked adds a certain amount to pension payments, and by the age of 70, the pension may increase by a quarter.

According to statistics, the Japanese are the longest-lived nation in the world. The number of citizens who have crossed the century-old milestone exceeds 60 thousand people, the average life expectancy is 84 years.

Experts believe that it helps the Japanese to achieve such years proper nutrition: the diet of the inhabitants of the Land of the Rising Sun is dominated by rice, soybeans, seafood. In addition, in retirement, the Japanese continues to lead an extremely active lifestyle. Japanese retirees can be seen in any part of the world as restless tourists.

The overwhelming majority of Japanese old people do the so-called morning exercises "on the radio", while older Japanese people prefer walking to moving by car. In addition, the country has a health care system recognized by many experts as the best in the world. After 60 years, every Japanese person undergoes regular medical examinations, keeping his finger on the pulse, literally and figuratively.

Denmark

Considering the topic of pension provision for citizens in different countries of the world, one cannot fail to mention Denmark - the country with the highest pension in the world today. On average, a Danish pensioner receives US $ 2,800 monthly, and this is no joke. It can be difficult for a Russian pensioner to understand how this is possible.

The average life expectancy in Denmark today is 80 years, while Danes retire at 65–67 years.

The priority direction of the state policy today is to create the most favorable conditions for the life of people of retirement age, so many people call Denmark a paradise for pensioners. Often a pensioner in a country feels better off than a working person.

Besides more than decent state pension, Danes often have savings in NPFs, as a result of which the pensioner's income can be even higher. Such a strategy of the state is aimed, among other things, at ensuring that the pensioner remains independent and capable as long as possible, since the maintenance of elderly people in nursing homes is carried out at the expense of state funds.

In order to provide additional support to the country's pensioners, a branch of the DanAge public organization has been created in each Danish municipality.

France

As in most EU countries, French retirees retire at 65 (women) or 67 (men). The French live on average for about 80 years, and the average pension in the country is about 1400 euros.

The French pension system is part of the general social insurance system, which is recognized by experts as one of the most complex and multifaceted in the world. The downside of some intricacy of pension rules is the ability to protect yourself from the most unexpected situations and provide for the most favorable way to receive pension payments.

In other words, a French pensioner can expect to receive a pension in individually based on his circumstances. At the same time, not a single nuance related to the size of pension payments will be overlooked (for example, disability received at the workplace, work in harmful conditions, etc.).

According to the laws of the country, an employee claiming the maximum pension must have worked in French enterprises for 40 years or more. Subsequently, the 25 highest paid years out of these forty will be taken into account when determining the size of the pension. In addition to the basic one, in France there is a so-called funded pension, which is calculated in a special way using a special point system.

As a result, the retired Frenchman receives monthly payments in the amount of half the salary plus a certain amount from insurance savings.

If a citizen of a country has worked in his life, for example, 41.5 years (or 166 quarters), he can claim 100% pension payments. Each quarter that has not been completed before this deadline reduces the amount of payments by 1.25%. It should be borne in mind that if seniority was interrupted due to unemployment or pregnancy (up to six months), then this time is counted towards the calculation of the pension.

Many pensioners, leaving for a well-deserved rest, do not suspect that, having lost their main, sometimes significant, earnings, they practically remain without means of subsistence, since it is impossible to afford not only the desired rest, but also elementary things for the amount of pension payments. , medicines, utility bills, telephone, etc. Hence the question involuntarily arises: which country has the largest pension in the world, and what place does Russia occupy in this rating?

A similar situation can be seen in many countries, since this is a global problem. It is associated with a demographic decline that has been traced for many decades. It leads to the fact that the number of the able-bodied population is decreasing, for which employers deduct pension contributions for the maintenance of active pensioners.

Governments around the world are currently redesigning the pension system. The main direction of reforms is considered to be an orientation towards increasing the retirement age. There is a rational grain in this, since many pensioners, having gone on a well-deserved rest, continue to work - which means that they still have health reserves for this.

Whether from January 1, 2017 the pension for working pensioners in Russia will be indexed, you can.

Their experience and skills cannot be compared with what young specialists come to production with, so smart leaders successfully use this reserve.

Parameters that determine the well-being of retirees around the world:

  • the starting pension amount assigned by the state;
  • the presence of periodic indexation of pension payments taking into account inflation;
  • benefits to pensioners that they have, regardless of the size of payments;
  • the retirement age, which is assigned taking into account the life expectancy in the country, the size of the consumer basket, and the standard of living.

Countries where pension reforms occur taking into account at least some of these indicators, are in the first ranks of the ranking of countries with the highest pension payments and prosperous pensioners.

Rating of pensions in Europe

№ CountryRetirement agePension size
1 Denmark65 $2800
2 Finland65 $1900
3 Norway67 9,500 CZK (50,000 rubles)
4 Czech58/61 $1000
5 Germany65 €810
6 France60 € 500 (20.000 rub.)
  1. Denmark is a Mecca for retirees. Many Europeans seek to receive a pension in this country, having worked there at the pre-retirement age.
  2. Finland - here pensioners do not know the maximum amount of the pension, since its size depends on how many years a person worked and how much he earned. If a citizen has not reached the minimum, the state will pay him extra. Find out more about the amount of pension at retirement age in Finland,.
  3. ... The country has the highest retirement age, but the pension inspires confidence in comparison with other European countries. But taxes are very high here. The standard of living is considered high.
  4. Czech. With a low age qualification for taking a well-deserved rest, the size of the pension allows pensioners not to live in poverty. The grocery basket and payment for services take about 50% of the income.
  5. Germany. ¼ part of the population is pensioners. The state pays the minimum pension to everyone, without exception, even to emigrants. All pensioners are guaranteed payment for utilities and 56 square meters of housing per person. About what is the current retirement age in Germany,.
  6. ... The principle of calculating payments is similar to how it is done in other European countries: the more seniority and earnings, the higher the pension... The country plans to raise the age of retirement to 65 years.

Rating of pensions in other countries of the world

№ CountryRetirement agePension size
1 Mexico65 $ 2129
2 Panama65 $1865
3 Ecuador65 $1415
4 Israel67 $1084
5 Malaysia65 $1000
6 USA65 $ 800
7 Japan65 66.000 yen (21.000 rub)
8 Russia55/60 $285

Brief description of the size of pensions in some countries

  1. Mexico is a country of contrasts. There are many poor, many rich people here. Not only are payments higher than in many countries, living expenses allow retirees to live satisfyingly: utility bills, telephone, travel, cable TV, Internet and food costs will total about 1/3 of the pension, so many people go here. Americans while away their old age.
  2. Panama - Here a luxury pension is provided for a family of 2. Less than half of this amount goes to pay for services, accommodation and meals.
  3. Ecuador - This country has cheap real estate, rental housing and other related costs, so older people are happy with their retirement.
  4. - a fairly high level of pension payments is accompanied by a large number of benefits. In addition to this, at the time of retirement, all citizens are given a large lump sum, which is calculated from the employee's average income multiplied by the number of years of service.
  5. Malaysia - the amount of payments is intended for a married couple. You can easily live on this amount, since food prices are low, the cost of services is 1/3 of the total income of a pensioner.
  6. USA - in a country of developed capitalism, the formula for calculating pension payments boils down to the fact that everyone who worked tirelessly will not live in poverty even in retirement. The zealous Americans earn themselves the right to a comfortable old age, the size of which can reach amounts exceeding the standards. Also read,

    The success of the pension system in any country depends not only on economic calculations, but also on other factors. For example, the area occupied by the territory and, accordingly, the number of people, are of decisive importance when it comes to the number of people employed in different areas of the economy.

    Working citizens are a source of funds going to the budget, from which contributions to the pension fund go. The standard of living of people has a great influence on the living conditions of older citizens, regardless of the size of the pension. But the aging of the nation can be traced inexorably throughout the world, therefore, the governments of the countries are intensively engaged in reforms of their pension systems, based on modern conditions.

    In the context of the crisis, the situation with the low standard of living of pensioners will not improve in the next 2 years - this is what economists predict. Starting from 2019, the factor will gradually begin to act, but stability is still far away.

    There is a certain conventional unit that is used in economic calculations in many countries - the aging index. It includes 4 directions:

    1. Creation of favorable living conditions.
    2. Guaranteed stable and high income.
    3. The level of development of health care and education.
    4. Employment rate of the population.

    It is believed that the nation's aging index will rise in parallel with how low the country's standard of living, so governments have something to think about.

Pensions are a rather sensitive issue for many people whose work experience is measured in tens of years. A person of pre-retirement age begins to worry about how much the state will make payments, what benefits he will be entitled to. At the same time, many pensioners are outraged by the size of pension payments - they say, they have worked for the state for so many years, and we get a penny. Unfortunately, this situation really takes place in our country. Thinking about this topic, we decided to study what pensions are paid in other states.

TOP of the largest pensions in different countries of the world

  1. The well-deserved first place in this rating unconditionally gets Denmark- the state where average pension is equal to 2800 US dollars. For a moment, this is more than 170 thousand rubles. And this despite the fact that the average life expectancy in this country is about 80 years. A retired person can really enjoy life, travel. This is a fairly large amount, which will be enough not only for yourself, but also to help children and grandchildren.
  2. Finland. In the list it comes in second place right after Denmark, but, at the same time, the amount of pensions here is $ 2,000. A colossal difference. However, Finnish retirees are also well off.
  3. Immediately after Finland in the list of the highest pensions, I got a job Norway... The average pension here is slightly less than that of a neighbor - about $ 1,800.

How much is the pension in Europe?

As we can see, the top three on this podium are occupied by the Scandinavian countries. By the way, Iceland and Sweden also have a high level of pensions (more than a thousand dollars plus the funded part, which takes an important place in the pension insurance of citizens of these countries). It must be admitted that social conditions are very high level throughout Scandinavia.

It is worth saying a few words about some other states in order to have an idea of ​​how ordinary pensioners live there.

How much is the pension now?

V Mexico retirement benefits are also considered very high, sometimes reaching the top of the world rankings. According to official information, an elderly couple here receive $ 2,200 a month. At the same time, most of the money is saved - the prices here are at a quite adequate level, so pensioners are more than enough to live on.

In the United States, there are no such conditions at all, so it is a common practice for a person to move to Mexico as an elderly person. People of pre-retirement age here plan their move in advance, departing from work duties as the cherished age approaches. The climate and nature are also beautiful here, so the first time traveling in one country will be enough.

Pension system Switzerland also needs an introduction - the average pension here is about 1900 US dollars. The pension consists of three parts - funded, insurance, and also from voluntary contributions, which a citizen could deduct to the pension fund at his own request.

Even without these contributions, the pension will be high and stable. The work of this system is organized at the highest level, so people of pre-retirement age boldly look to the future and are happy to retire.

Pension on the islands

Panama- a small state on the Isthmus of Panama between North and South America. Oddly enough, pension payments here are considered one of the highest in the world - an elderly couple can safely count on monthly payments of about $ 1,850. It doesn't take much to live, so seniors also have the option to fly around the globe and help your family with finances.

Briefly it is worth mentioning the whole of Western and Central Europe - the pension provision in the European Union, in general, is kept at a very decent level.


TOP smallest pensions in different countries of the world

Now it is worth considering the list of countries where pensions leave much to be desired. After the TOP of the highest pensions, this list may seem very sad. Payouts are indicated in US dollars per month.

Georgia – 40

Uzbekistan – 55

Moldova – 80

Argentina – 96

Ukraine – 142

Belarus – 175

Azerbaijan – 202

Kazakhstan – 210

To my deep regret, Russia cannot boast of high pensions even in relation to the above countries, which is why it is included in this list. According to data for 2018, in the regions of our country, the average pension is 14,100 rubles (this is approximately 210 US dollars at the average rate of 2018). Little or very little depends on the region of residence and the needs of the person. However, it should be noted that for a comfortable stay, this amount is not enough even with the most modest requests and needs - about a quarter is spent on utility bills, almost the rest for food and travel. It is very difficult to save some money, but a person constantly needs clothes, household appliances, and various paid services. Due to poor health, one has to buy expensive medicines, which the state does not always provide free of charge.

Pension in Russia compared to other countries

Almost all of the countries on this list are CIS countries. So low social Security due to a weak and unstable economy. In any case, this is a question for discussion by experienced political scientists and economists, but the numbers speak for themselves.


In which countries of the world do they not pay a pension at all

Interesting fact!There are states that generally e do not pay any pensions. A person himself must provide for himself by old age, or count on the help of his relatives. Here is a list of these countries:

  • Vietnam
  • Honduras
  • India
  • Iraq
  • People's Republic of China
  • Nigeria
  • Pakistan
  • Thailand
  • Tanzania
  • Philippines

The lack of retirement benefits is tied here to different reasons- short life expectancy, weak state economy, etc. In any case, people strive to provide themselves to old age with bank deposits and other investments. But an impressive part of the population of pre-retirement age simply moves to other countries, where migrants can receive pension payments, even if very insignificant.

In making a conclusion, it is worth noting that the size of pensions varies greatly in different states. This is not tied to any geographic principle, everything is built only on the state economy and the attention that the government devotes to the social security of its own citizens.


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