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.

5043 Comments

Reply supreme clothing
2:58 AM on September 25, 2022 
I precisely had to appreciate you again. I am not sure the things that I could possibly have tried without the type of techniques documented by you directly on my area. It truly was a real fearsome setting in my view, however , considering the well-written form you solved it made me to jump over fulfillment. I am just happier for your service and thus believe you comprehend what a great job you were getting into teaching many people through a site. I am certain you haven't met all of us.
supreme clothing http://www.supremenewyork.us.com
Reply supreme clothing
2:58 AM on September 25, 2022 
My husband and i have been absolutely delighted that Louis managed to finish up his investigation from your ideas he made from your very own web page. It is now and again perplexing to just possibly be making a gift of tips that some people might have been trying to sell. So we remember we have the writer to appreciate for that. The specific illustrations you made, the simple blog navigation, the friendships you will make it possible to promote - it's many overwhelming, and it's really helping our son and the family imagine that the subject matter is fun, and that's quite important. Thanks for everything!
supreme clothing http://www.supremeclothings.com
Reply kawhi leonard shoes
2:58 AM on September 25, 2022 
I wish to voice my appreciation for your kind-heartedness giving support to men and women who need assistance with the theme. Your special dedication to getting the solution all over turned out to be especially valuable and has without exception made guys and women much like me to arrive at their desired goals. Your entire warm and helpful instruction means much to me and extremely more to my colleagues. Warm regards; from everyone of us.
kawhi leonard shoes http://www.kawhileonardshoes.us
Reply palm angels outlet
2:58 AM on September 25, 2022 
I definitely wanted to make a simple remark in order to express gratitude to you for some of the pleasant tips you are sharing at this site. My long internet search has finally been compensated with really good strategies to write about with my pals. I 'd believe that many of us website visitors actually are unequivocally blessed to dwell in a very good site with so many lovely people with useful suggestions. I feel very lucky to have used your entire webpages and look forward to many more awesome moments reading here. Thank you again for all the details.
palm angels outlet http://www.palmangels-outlet.com
Reply supreme clothing
2:58 AM on September 25, 2022 
I must point out my passion for your kindness giving support to persons who need assistance with in this subject matter. Your very own commitment to passing the message up and down was especially helpful and have surely enabled others like me to achieve their ambitions. Your new helpful guidelines implies so much to me and a whole lot more to my peers. Many thanks; from everyone of us.
supreme clothing http://www.supremes-clothing.com
Reply jordan shoes
2:58 AM on September 25, 2022 
I'm just writing to let you understand what a exceptional encounter our child obtained using your web page. She picked up many pieces, which included what it is like to possess a great giving character to get the others smoothly gain knowledge of specific impossible issues. You truly surpassed her desires. Thanks for coming up with those productive, healthy, explanatory and in addition easy tips about the topic to Evelyn.
jordan shoes http://www.jordanshoes.us
Reply a bathing ape
2:58 AM on September 25, 2022 
I definitely wanted to make a message so as to thank you for those fantastic pointers you are posting at this site. My considerable internet investigation has finally been rewarded with wonderful facts and strategies to write about with my family members. I would repeat that we visitors are unequivocally lucky to exist in a magnificent place with so many marvellous professionals with great points. I feel rather privileged to have encountered the webpage and look forward to tons of more thrilling moments reading here. Thanks a lot once more for all the details.
a bathing ape http://www.bapes.us.org
Reply yeezy 700
2:58 AM on September 25, 2022 
I simply wanted to thank you very much once again. I do not know the things I could possibly have achieved without the actual pointers contributed by you directly on such question. It became a hard scenario for me personally, nevertheless discovering this well-written avenue you treated that made me to leap for delight. I'm just thankful for this support as well as wish you really know what a powerful job you are carrying out instructing people today all through your websites. I'm certain you have never met all of us.
yeezy 700 http://www.yeezy-700.com
Reply cheap jordans
2:58 AM on September 25, 2022 
I needed to compose you that very little remark to help say thanks a lot over again relating to the lovely guidelines you've provided on this page. It's simply tremendously generous with people like you giving unreservedly just what most of us could possibly have sold for an e book in order to make some profit on their own, principally considering the fact that you might have done it in case you decided. These basics additionally served to become a easy way to be certain that someone else have the same fervor like my own to figure out whole lot more with regards to this problem. Certainly there are some more fun periods up front for those who look into your blog.
cheap jordans http://www.cheap-airjordans.us.com
Reply jordans
11:58 PM on September 24, 2022 
I intended to write you one little bit of word in order to thank you so much again with the nice information you have shown in this case. This is so remarkably generous with you to provide unhampered exactly what a number of us could have sold as an ebook in order to make some money on their own, most notably considering that you could possibly have tried it in case you decided. Those good ideas additionally acted to become fantastic way to fully grasp that many people have a similar zeal the same as my own to grasp a lot more in respect of this matter. Certainly there are thousands of more pleasurable times in the future for individuals who examine your blog.
jordans http://www.jordanssneakers.us.com
Reply hermes belt
11:58 PM on September 24, 2022 
I precisely had to thank you very much again. I am not sure the things I would have sorted out in the absence of the entire advice contributed by you on my subject matter. It was an absolute alarming circumstance in my opinion, but noticing the very professional mode you resolved the issue forced me to jump for joy. Extremely happy for this advice and in addition pray you really know what an amazing job your are doing educating other individuals via your web site. I am sure you haven't come across all of us.
hermes belt http://www.hermesbelts.us.org
Reply supreme clothing
11:58 PM on September 24, 2022 
I together with my pals happened to be following the excellent things found on your web blog and all of the sudden developed an awful suspicion I had not thanked you for those secrets. Those women are already for this reason very interested to read all of them and now have absolutely been using them. We appreciate you turning out to be well kind and also for considering this sort of nice subject matter most people are really eager to be informed on. My sincere regret for not saying thanks to you earlier.
supreme clothing http://www.supremeclothingsstore.com
Reply fear of god hoodie
11:58 PM on September 24, 2022 
I must voice my affection for your generosity giving support to folks that absolutely need assistance with this important area. Your personal commitment to getting the solution all over appeared to be amazingly important and has in most cases enabled guys and women much like me to arrive at their pursuits. The warm and helpful report indicates this much a person like me and somewhat more to my fellow workers. Thanks a lot; from everyone of us.
fear of god hoodie http://www.fearofgod.us.com
Reply kyrie 6
11:58 PM on September 24, 2022 
I precisely desired to say thanks once again. I am not sure what I might have followed in the absence of the type of creative concepts documented by you on that subject. Previously it was a real alarming scenario in my circumstances, however , understanding this specialised approach you managed it took me to cry for contentment. Now i am happier for your work and then sincerely hope you comprehend what a great job you were accomplishing training many others thru your site. Probably you've never encountered all of us.
kyrie 6 http://www.kyrie-6.com
Reply kyrie shoes
11:58 PM on September 24, 2022 
I wish to express appreciation to the writer just for rescuing me from this trouble. Just after surfing around throughout the internet and finding views which were not pleasant, I thought my life was done. Being alive without the presence of strategies to the difficulties you have sorted out by means of your main article content is a crucial case, as well as those that could have in a negative way damaged my entire career if I hadn't encountered your website. Your good competence and kindness in taking care of all the stuff was helpful. I am not sure what I would've done if I had not encountered such a stuff like this. It's possible to at this moment relish my future. Thanks for your time very much for this specialized and effective guide. I will not be reluctant to endorse the blog to anybody who ought to have recommendations on this topic.
kyrie shoes http://www.kyrie9.com
Reply off white
11:58 PM on September 24, 2022 
I wanted to draft you a tiny word in order to thank you the moment again for all the exceptional tactics you've discussed here. It was generous of you to grant freely all a number of people might have marketed for an e-book to earn some money for themselves, chiefly considering the fact that you could possibly have done it if you ever decided. These pointers in addition worked to provide a easy way to fully grasp that other individuals have similar keenness similar to my personal own to know the truth a lot more when it comes to this problem. I am certain there are lots of more enjoyable situations up front for those who see your site.
off white http://www.off-whites.us
Reply off white jordan 1
11:58 PM on September 24, 2022 
I would like to show appreciation to you for bailing me out of this type of situation. Right after looking throughout the online world and getting notions which are not productive, I assumed my entire life was well over. Living without the strategies to the difficulties you have resolved all through your entire post is a critical case, and the kind which may have badly damaged my entire career if I had not come across your web page. Your own ability and kindness in handling all things was priceless. I'm not sure what I would've done if I hadn't encountered such a point like this. I am able to at this point look ahead to my future. Thanks for your time very much for your professional and result oriented guide. I won't be reluctant to endorse your blog to anyone who needs to have support on this subject matter.
off white jordan 1 http://www.offwhiteshoes.us.com
Reply kevin durant shoes
11:58 PM on September 24, 2022 
I and my friends ended up reviewing the great suggestions found on your web page and then all of a sudden developed a horrible feeling I never thanked the site owner for those secrets. These boys were as a consequence glad to read through them and have in effect undoubtedly been tapping into them. Appreciate your truly being well thoughtful and also for making a choice on varieties of incredible resources most people are really desperate to learn about. Our honest apologies for not expressing gratitude to you sooner.
kevin durant shoes http://www.kevindurant-shoes.us.com
Reply birkin bag
11:57 PM on September 24, 2022 
I simply needed to say thanks all over again. I do not know the things that I would have done without these aspects discussed by you relating to such a area. Previously it was a very frightening concern in my view, nevertheless understanding the expert approach you dealt with the issue made me to leap over contentment. I am happier for the advice and then expect you recognize what a great job that you're providing teaching other individuals through your web site. I'm certain you haven't met any of us.
birkin bag http://www.hermesbirkinbags.us.com
Reply off white
9:29 PM on September 24, 2022 
I want to show thanks to the writer for bailing me out of this crisis. Because of exploring through the world wide web and finding tricks which were not productive, I thought my entire life was done. Being alive devoid of the strategies to the issues you've solved through your main site is a crucial case, and ones that would have in a negative way affected my entire career if I hadn't encountered your web site. Your mastery and kindness in playing with the whole lot was useful. I don't know what I would've done if I hadn't discovered such a thing like this. I am able to at this point look forward to my future. Thanks so much for your reliable and effective help. I won't hesitate to recommend your blog post to anyone who needs care about this subject matter.
off white http://www.off-whites.us