Shopping Cart
Your Cart is Empty
Quantity:
Subtotal
Taxes
Shipping
Total
There was an error with PayPalClick here to try again
CelebrateThank you for your business!You should be receiving an order confirmation from Paypal shortly.Exit Shopping Cart

geld is een middel, geen doel

Blog

Blog

Ont-solidarisering, liberalisering en individueel kapitaliseren van pensioen: pas op!

Posted on May 27, 2014 at 5:15 AM

Pensioen is een regeling waarbij mensen zorgen dat ouderen, zieken en nabestaanden van overleden verzorgd blijven worden. Pensioen is een fenomeen dat al zou oud is als de weg van Kralingen. Of eigenlijk nog ouder. Het bestaat al sinds het begin van onze beschaving.

 

Wubbo Ockels heeft het zo mooi beschreven in zijn afscheidsbrief: Het doel van ons leven is om te overleven. In de oudheid was men daar de hele dag mee bezig. Mammoeten schieten voor het vlees en de huiden. Gewassen verbouwen voor aanvullende voeding. Dak boven het hoofd door middel van een grot. En zorgen voor nageslacht. Jongeren die taken van de ouderen konden overnemen zodra de ouderen dat niet meer konden. Maar ook als iemand ziek was of als een partner was overleden zorgden dan anderen voor eten. En warmte. Geen mens werd verstoten.

 

Later werd het anders. Werken werd niet langer: het schieten van mammoeten en het verbouwen van gewassen. We gingen opdrachten doen voor anderen. Kregen daar geld voor en van dat geld konden we (over-)leven.

 

Zeker sinds de industriële revolutie is het vrij gebruikelijk geworden dat mensen niet meer zelf dieren hielden en gewassen verbouwden. Men werkte voor een baas, kreeg geld en daarvan kon men de levensbehoeften betalen.

 

Maar wat nou als men (te) oud was om te werken? Of ziek? Of overleden en er afhankelijke nabestaanden waren? Dan was er familie. Of de kerk. Of charitatieve instellingen. De geholpenen kwam er meestal wel bekaaid van af. Dus werd er bedacht hoe men die mensen met geld kon helpen. Vanuit de staat. Maar ook vanuit werkgevers.

 

Pensioenfondsen zijn er niet gekomen omdat de overheid dat per sé wettelijk wilde. Ze waren er al voordat de Pensioen- en spaarfondsenwet werd ingesteld. Alleen omdat het een aantal keren toch fout was gegaan besloot de overheid tot meer werknemers-bescherming. ALS pensioen werd toegezegd DAN de gelden onderbrengen bij een pensioenfonds of een verzekeraar. En regels voor die fondsen en verzekeraars En als men binnen een bedrijfstak dat wilde (werkgevers én werknemers!) dan kon er een verplichtstelling worden gevraagd in een bedrijfstakpensioenfonds.

 

Op die manier is een uitstekend pensioensysteem ontstaan in Nederland! Alom geroemd. Er zijn mensen die dat systeem willen uithollen. Er zou meer keuzevrijheid moeten komen. Minder solidariteit tussen jongeren en ouderen. Staatssecretaris Klijnsma lijkt gevoelig voor deze argumenten.

 

Het programma EZ van de VARA van 23 mei 2014 (klik hiernaast hier) toont aan dat mensen over het algemeen minder de goede beslissingen (kunnen) nemen dan door de rationelen in de financiële sector wordt gedacht. En zeker niet langer dan tien jaar (en dat is al lang) vooruit willen kijken. Bij de analyse van mijn boek ‘De consument is financieel bewusteloos . . . nou en?’ constateer ik – op basis van meerdere wetenschappelijke onderzoeken – hetzelfde.

 

Het is daarom goed om te vast te stellen – zoals ik in mijn boek doe – dat pensioen een verzekering is. Per definitie is men in een verzekering solidair. Niet iedereen krijgt er uit wat men er in stopt. In geld althans. Maar zij die het nodig hebben worden geholpen. Dat heet solidariteit.

 

Opmerkelijk dat daarom mensen als Peter Verhaar (die in talkshows als ‘deskundige’ wordt opgevoerd) in een twitterberciht stelt dat pensioen en solidariteit niets met elkaar te maken hebben.

 

Moet er dan niets aan ons pensioensysteem veranderen? Natuurlijk mag dat. We moeten ons afvragen hoe ver de solidariteit moet gaan. Moet iedereen in staat worden gesteld eventueel tot zijn negentigste ieder jaar een cruise te maken van € 10.000? Of moeten we voorkomen dat iemand net niet omkomt van de honger. Daar ligt nog een grote weg tussen.

 

De jongere mensen - waarvan ik soms de geluiden hoor dat die senioren een toch wel heel best leven hebben ‘ten laste van portemonnee van die jongeren’ zou ik willen zeggen - verdiep je eens echt in wat geld in een mensleven doet. Verdiep je eens in de vraag waarom je opa of oma gekort worden op hun pesnioenuitkering….

En vergeet niet – zoals Gerard Riemen terecht in de uitzending opmerkte - dat senioren straks de economische motor van jouw omgeving zullen zijn.

 

Het is te hopen dat deze uitzending van EZ er aan bijdraagt dat we nog tot in lengte van jaren trots kunnen zijn op ons pensioensysteem. En dat zij die streven naar ont-solidarisering, liberalisering en individueel kapitaliseren niet hun zin krijgen. De financieel bewusteloze consument zit daar helemaal niet op te wachten.

Categories: Pensioen, Consumentenbelangen

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

300 Comments

Reply longchamp handbags
11:44 PM on January 5, 2022 
I would like to express some thanks to the writer just for bailing me out of this particular matter. Just after exploring through the the web and meeting proposals which are not helpful, I was thinking my life was done. Being alive without the approaches to the issues you have resolved all through your main site is a crucial case, as well as the ones which may have adversely damaged my entire career if I had not noticed your web blog. Your primary skills and kindness in maneuvering all things was important. I don't know what I would've done if I had not discovered such a point like this. I can also at this point look ahead to my future. Thanks for your time very much for your high quality and sensible help. I won't be reluctant to endorse the sites to anyone who will need counselling on this subject matter.
longchamp handbags http://www.longchampshandbags.us.org
Reply supreme
11:43 PM on January 5, 2022 
Thank you for your whole efforts on this web page. My niece take interest in setting aside time for investigations and it's really simple to grasp why. My spouse and i learn all concerning the powerful form you deliver insightful guidelines on this web site and invigorate response from the others about this concern then our own princess is now becoming educated so much. Take pleasure in the rest of the year. Your carrying out a fantastic job.
supreme http://www.supremeclothings.us.com
Reply jordan shoes
11:43 PM on January 5, 2022 
I intended to write you this tiny remark to thank you as before for the fantastic secrets you have shared here. It was so incredibly generous of people like you to make publicly exactly what a number of people could possibly have offered as an e book to help make some cash on their own, and in particular now that you could possibly have done it in case you considered necessary. These inspiring ideas likewise served to become great way to understand that other individuals have the identical zeal just like my very own to grasp significantly more pertaining to this condition. I know there are some more fun sessions ahead for folks who see your blog.
jordan shoes http://www.jordanshoes.us
Reply golden goose sale
11:42 PM on January 5, 2022 
I would like to show appreciation to this writer for bailing me out of this type of setting. Because of searching throughout the the web and coming across techniques that were not powerful, I thought my life was over. Existing minus the approaches to the difficulties you've solved by means of the blog post is a crucial case, and the ones which may have in a wrong way affected my entire career if I hadn't discovered your website. Your own personal competence and kindness in playing with a lot of things was crucial. I don't know what I would have done if I had not discovered such a stuff like this. I can at this time relish my future. Thanks a lot so much for your skilled and result oriented guide. I will not hesitate to endorse your web site to any individual who should receive direction about this problem.
golden goose sale http://www.goldengoosessale.com
Reply yeezy boost 350
11:41 PM on January 5, 2022 
I wish to point out my appreciation for your kindness for those who absolutely need guidance on this particular topic. Your very own commitment to passing the message all over turned out to be exceedingly insightful and has regularly helped employees just like me to reach their desired goals. This informative facts can mean this much a person like me and especially to my fellow workers. Thank you; from each one of us.
yeezy boost 350 http://www.yeezy350boost.us.com
Reply golden goose shoes
4:46 AM on January 5, 2022 
I'm writing to make you be aware of of the notable experience my cousin's child obtained going through the blog. She even learned a lot of issues, which included what it's like to have a very effective giving character to make many others just gain knowledge of some problematic subject areas. You really exceeded our desires. Thanks for coming up with those important, healthy, informative and also easy guidance on this topic to Tanya.
golden goose shoes http://www.goldengoose-shoes.us.com
Reply yeezy boost 700
4:45 AM on January 5, 2022 
I must point out my love for your kindness for those who really need guidance on that concern. Your personal commitment to getting the message throughout appeared to be astonishingly useful and have surely allowed those just like me to achieve their endeavors. Your entire insightful report indicates this much to me and extremely more to my peers. Thanks a lot; from everyone of us.
yeezy boost 700 http://www.yeezy-700.com
Reply moncler
4:45 AM on January 5, 2022 
Thank you a lot for providing individuals with an extraordinarily brilliant chance to read critical reviews from this website. It is often very ideal and as well , stuffed with a good time for me personally and my office friends to visit your web site at least thrice per week to read the new things you have got. Of course, I am also at all times happy with all the splendid inspiring ideas you give. Some 2 areas in this post are basically the most efficient we have all had.
moncler http://www.monclersoutletstore.com
Reply golden goose sneakers
4:45 AM on January 5, 2022 
Thank you for every one of your work on this web page. My mother delights in setting aside time for investigation and it's really easy to understand why. Almost all notice all concerning the powerful tactic you produce precious strategies by means of the web site and as well as attract response from some other people on the subject matter and our own child has been starting to learn a lot of things. Have fun with the remaining portion of the new year. You're conducting a first class job.
golden goose sneakers http://www.goldengoosesneakers.us.com
Reply bape
4:44 AM on January 5, 2022 
I needed to post you the bit of observation in order to say thanks a lot once again with the striking tactics you've shown at this time. It has been so remarkably generous with people like you to present easily precisely what a few people would have sold for an e book to end up making some profit for their own end, and in particular since you might well have tried it if you wanted. These creative ideas in addition acted to be a good way to be certain that someone else have the identical interest similar to mine to realize a great deal more with regard to this condition. I'm certain there are thousands of more pleasurable times up front for many who read your site.
bape http://www.bathing-ape.us
Reply jordans shoes
7:32 PM on January 4, 2022 
I wanted to send a quick remark to be able to thank you for all of the amazing tips and tricks you are placing at this website. My time-consuming internet research has at the end of the day been paid with sensible facts to exchange with my pals. I would assert that most of us visitors actually are unequivocally blessed to be in a useful website with many wonderful professionals with great things. I feel really happy to have seen your weblog and look forward to some more enjoyable minutes reading here. Thanks a lot once again for a lot of things.
jordans shoes http://www.jordansshoes.us.org
Reply jordan shoes
11:53 PM on January 3, 2022 
I have to express some appreciation to the writer just for bailing me out of this particular dilemma. Because of checking through the online world and finding concepts which were not beneficial, I was thinking my entire life was well over. Living without the solutions to the problems you've sorted out through your entire site is a critical case, and the ones that might have adversely affected my career if I had not noticed your site. Your personal natural talent and kindness in touching every item was invaluable. I am not sure what I would have done if I hadn't come across such a point like this. I can also at this time look ahead to my future. Thanks a lot so much for your skilled and sensible guide. I will not hesitate to refer your web page to any individual who would need tips about this problem.
jordan shoes http://www.jordanstoreonline.com
Reply jordan 12
11:52 PM on January 3, 2022 
A lot of thanks for your own hard work on this website. Kate loves participating in internet research and it's easy to see why. A number of us know all relating to the dynamic ways you give both interesting and useful tips by means of this web site and therefore invigorate response from people on the area plus our own girl is now becoming educated a whole lot. Enjoy the rest of the year. You're the one carrying out a dazzling job.
jordan 12 http://www.jordan12.us.com
Reply supreme clothing
11:52 PM on January 3, 2022 
I precisely desired to say thanks all over again. I'm not certain the things that I might have gone through without the actual recommendations discussed by you regarding such concern. Certainly was the terrifying setting in my opinion, however , viewing a expert manner you processed that took me to cry for contentment. Now i'm grateful for this assistance and then sincerely hope you find out what an amazing job you were putting in instructing the rest thru your blog post. I'm certain you haven't encountered any of us.
supreme clothing http://www.supremes.us.org
Reply supreme clothing
11:52 PM on January 3, 2022 
My wife and i got very ecstatic that Peter could complete his investigation out of the ideas he acquired through the blog. It is now and again perplexing just to continually be freely giving instructions that other people may have been making money from. And now we consider we now have the website owner to be grateful to because of that. These illustrations you made, the straightforward website menu, the relationships your site make it possible to create - it's got everything extraordinary, and it's leading our son in addition to our family consider that the matter is entertaining, which is certainly wonderfully fundamental. Thanks for everything!
supreme clothing http://www.supremesonline.com
Reply alexander mcqueen
11:51 PM on January 3, 2022 
I want to get across my appreciation for your kind-heartedness for all those that really want help on in this content. Your real dedication to getting the message all-around became amazingly practical and have without exception empowered folks much like me to achieve their ambitions. The helpful guidelines implies a great deal to me and still more to my colleagues. Thanks a ton; from each one of us.
alexander mcqueen http://www.alexandermcqueenoutlet.us
Reply golden goose outlet
11:50 PM on January 3, 2022 
I want to express my thanks to you just for rescuing me from this particular crisis. As a result of surfing through the the net and seeing concepts which were not productive, I assumed my life was gone. Living without the answers to the difficulties you have fixed by means of this write-up is a serious case, as well as the ones which may have adversely affected my entire career if I hadn't noticed your web page. That competence and kindness in playing with a lot of things was very helpful. I'm not sure what I would've done if I hadn't come upon such a point like this. I can at this point relish my future. Thanks for your time very much for this skilled and results-oriented help. I will not hesitate to suggest your web page to any individual who will need care about this subject.
golden goose outlet http://www.goldengooseoutletstore.com
Reply curry shoes
2:49 PM on January 3, 2022 
I wanted to type a brief comment to thank you for the precious concepts you are giving out at this site. My prolonged internet investigation has now been honored with really good facts to write about with my company. I 'd state that that we website visitors actually are quite lucky to dwell in a superb network with very many perfect professionals with very helpful plans. I feel somewhat happy to have encountered your entire web site and look forward to so many more fun times reading here. Thank you once more for all the details.
curry shoes http://www.curryshoes.net
Reply yeezy supply
2:48 PM on January 3, 2022 
I enjoy you because of each of your work on this website. Kim delights in conducting research and it's easy to understand why. I learn all concerning the lively medium you present useful guidance on this web blog and as well foster contribution from visitors on this subject then our own girl has been understanding a whole lot. Take advantage of the rest of the new year. Your conducting a really great job.
yeezy supply http://www.supplyyeezys.com
Reply bape clothing
2:47 PM on January 3, 2022 
Thanks for all of your efforts on this website. My daughter really loves doing investigations and it is obvious why. A lot of people notice all relating to the dynamic medium you present precious items via this website and as well as recommend contribution from some others about this theme then my child is now becoming educated a great deal. Have fun with the rest of the new year. You have been carrying out a brilliant job.
bape clothing http://www.bape-clothing.us